COPYRIGHT RESERVED Code : 313501 B.Com Professional 5th Semester Exam., 2022 FINANCIAL INSTITUTIONS, SERVICES AND MARKETS Time : 3 hours Full Marks : 60 Instructions : (9 The marks are indicated in the right-hand margu (i) There are SEVEN questions in this paper. (aij) Attempt FIVE questions in all (wv) Question Nos. 1 and 2 are compulsory. 1. Answer any six of the following - 2*6=12 {a} What is financial intermediation? (b) What is loan syndication? ej Mention any two important functions of the Stock Exchange. qQ What is meant by depositories? fe) List out the functions of underwriters. ff Distinguish between share and debenture. AK23/961 { Turn Over }a, Re ee eee AK23/961 Answer any three of the folowing - (a) Discuss the gosth of the Indian money sparket (>) What is call money market? Explain. fo What are the main finctions of Reserve Bank of India? {@) Show the classification of Indian Financial System in the form of a chart. &} Discuss the role of stock markets in the economy. Briefly explain the working and functions of the financial market. Discuss the role of financial markets in the €0 development of a country, 473=12 capital market? the mam: features and working of the Iman capital market Whet are mutual fds? Explain why cecpie mest m them Briefly explam the gowth and fimetionmg of mutual funds in Ind Whar is the need for 2 capital regulator in India? Give reasons. Explain the objectioe and functions of SEBL How far has SEBI been successful in protecting the interest of investors? What do you mean by financial services? How are financial services Classified? =e Prt bse @ Code > S13501_ -AK23/961 (2) fg) What are primary market and 7 secondary market? fh) What do you mean by a listing of (9 Mention two functions of merchant ~~ pankers. @ Name two credit agencies operating in India. Answer any three of the following - 473=17 fa) Discuss the growth of the Indian moncy market. (b} What is call money market? Explain. (o) What are the main functions of Reserve Bank of India? (4) Show the classification of Indian Financial System in the form of a chart. (e) Discuss the role of stock markets in the economy. of the financial market, Discuss the role of financial markets in the economic development of a country, 6 (3) 4. What do you understand by capital market? Describe the main features and working of the Indian capital market. 12 5. What are mutual funds? Explain why people invest in them. Briefly explain the growth and functioning of mutual funds in India 12 6. What is the need for a capital regulator in India? Give reasons. Explain the objectives and functions of SEBI. How far has SEBI been successful in protecting the interest of investors? 12 7. What do you mean by financial services? How are financial services classified? 12 kak ak3--940/964 Code : 313501COPYRIGHT RESERVED Code : 313502 B.Com Professional 5th Semester Exam., 2022 SECURITY ANALYSIS AND PORTFOLIO MANAGEMENT Time : 3 hours Full Marks : 60 Instructions : (i) The marks are indicated in the right-hand margin. (ii) There are SEVEN questions in this paper. (tii) Attempt FIVE questions in all. (iv) Question Nos. 1 and 2 are compulsory. 1. Answer the following as directed (any sid : 2x6=12 4a) Define new issue market. (b) What is yield curve? fc} What is stock market indices? (d) What is risk-free rate of returns? +e) What is minimum portfolio risk? AK23/965 (Turn Over )(2) (3) i i ff CAPM. () List out assumption 0 3. Explain the investment process. 12 (g) What are the commonly used measures 4. (a) Distinguish between technical and of risks and returns? fundamental analysis. fy ——is the full form of SWOT. (b) Fundamental analysis provides an (Fill in the blank) analytical framework for rational investment decision making. Explain. 12 2 ' 4 is? {iy What is securities analysis 5. What is portfolio analysis? Write a brief note 7 ; ‘ ‘ aditional and modern portfolio analysis What edit ratin, ones or 2 o t is credit rating? and also distinguish between them. 12 6. (a) Explain the salient features you will 2, Answer any three of the following questions « consider while doing fundamental 4x3=12 analysis. @ How can anyone be a good investment (b) What are the macro-economic factors manager? Explain with examples. would you consider before making investment decision? 12 @) pis ein W fina z aiid pe 7. (a) How does ratio analysis reflect the F cial health of Cs adjusted returns. os Se ante ee (b) What economic factors would you be (c) Explain the key roles of financial most interested in forecasting if you analysis and ratio analysis. Capp) / were an analyst investigating major 4 consumer durable goods’ sales for f t are the different techniques of next year? 12 analysis for a company specially for finance. kak (e) What are the assumptions of CAPM? Distinguish between CML and SML. 17313502 AK23/965 AK23—940/965 Code +31 ( Continued )COPYRIGHT RESERVED Code : 313503 B.Com Professional 5th Semester Exam., 2022 PRINCIPLES AND PRACTICE OF BANKING Time : 3 hours Full Marks : 60 Instructions : () The marks are indicated in the right-hand margin. (ii) There are SEVEN questions in this paper. (iii) Attempt FIVE questions in all. (iv) Question Nos. 1 and 2 are compulsory. 1. Choose the correct answer (any sij: 2x6=12 (a) The primary relationship between a banker and a customer starts from the time (i) when customer visits that bank i) when customer opens account (iii) when customer visits that bank to make queries (iv) All of the above AK23/951 - ( Turn Over )————EE (2) (3) (b) A typical commercial bank provides () Which of the following is not the form of S E-banking? (ij long-term loans () Internet banking (i) medium-term loans . { {- Direct deposit in bank (i) short-term loans an : (ui) Electronic cheque conversion iv) All of . (i) All of the above (iv) Mobile banking (o) constitutes the foremost element of an electronic payment system. ( Banker (g) Usual deposit accounts of banks are =i @ current accounts, electricity (a) Customer accounts and insurance premium (i) Merchant accounts (iv) Shopping mall (i) current accounts, post office savings, bank accounts and term (a) Hee personal computers at home for deposit accounts conducting thei ‘i . their b; s eee operation with (ii) loan accounts, savings bank i 2 : accounts and term deposit ( Mobile banking accounts (i) Anywhere banking (w) current accounts, savings bank (iii) Internet b: king accounts and term deposit (iv) Ho % accounts me bankin, is (e) Credit cards first em i i a z erged in 1920s in (h) Which of the following is a correct @ India statement? (i) China () No interest is paid on current (fi) USA deposit accounts. USK AK23/951 ( Turn Over ) AK23/951 ( Continued }(4) ij) Interest is paid on current accounts at the same rate as term deposit accounts. (ii) The rate of interest on current accounts and savings accounts is the same. (wv) No interest is paid on any deposit by the bank. () Legal status of nominee is that of (j a trustee for legal heirs (i) an owner of the property (tii) Will has priority before nominee (ty) Will has priority only after nominee @) Which of the following is not the name of the bank functioning in India? () Central Bank of India (i) UCO Bank (tii) Aegon Religare (iv) Dena Bank 2. Answer any three of the following : (a) Explain the banker and cus 4x3=12 Telationship between tomer, AK23/951 ( Continued } AK23—940/951 4, (5) aoe) i! (b) Throw light on the nature of banking business system in your own words. (c) What is FD? Explain its salient features. (d) What are the objectives of MIS in banking system? (e) What are the different types of customers and card holder persons in banking system? Explain with suitable example. Explain the different characteristics and properties of a ‘cheque’ in a banking system. 12 Explain the role of a bank manager in banking system. 12 What are the different services provided by a bank to the customers? Explain the services with suitable examples and their benefits. 12 Explain the Basel I, Il and III norms in a banking system. What is their impact on customer? Explain with proper example. 12 State the reasons for computerization in banking system. How is it useful and why is it important for today’s banking system? 12 kkk Code : 313503COPYRIGHT RESERVED Code : 313504 B.Com Professional 5th Semester Exam., 2022 PRINCIPLES AND PRACTICE OF INSURANCE Time : 3 hours Full Marks : 60 Instructions : (2 The marks are indicated in the right-hand margin (@ There are SEVEN questions in this paper. (iii) Attempt FIVE questions in all. (iv) Question Nos. 1 and 2 are compulsory. 1. Choose the correct answer (any sty: 2x6=12 \ ) fa) Insurance works on the principle of | ( sharing of losses fit} probabilities (ii) large numbers Or randomness (vu) All of the above AK23/956 ( Turn Qver )(2) (b) Insurance helps to () prevent adverse situations from 5 (a) occurring (i) reduce the financial consequences of adverse situations (iii) negate all consequences of adverse situations (iv) make assets continuously produc- tive (v) All of the above \ The main purpose of having | life / insurance is () an avenue for long-term investment lif a medium for getting income tax \ benefits from savings (ii) a governmental program Teducing poverty for (wv) an avenue for short-term invest- ment (v) None of the above uw AK23/956 ( Continued AK23/956 (3) Which of the following intermediaries does not require IRDA’s license/ approval to operate in India? () Insurance brokers (i) Insurance agents Gi) Third party administrators (iv) Surveyors (v) All the above intermediaries require IRDA’s license/approval A policy where the policyholder makes a one-time payment of premium, is known as a () money-back policy J single premium policy (iii) salary savings scheme policy (iv) half-yearly policy (v) annual policy ( Turn Over )(4) Ap Which of the following statements is “—* correct? ee An organization can exist only with employees. (ii) An organization can exist only with different sections. fii) An organization can exist only with its own office building. (iv) An organization can exist without a purpose. (v) An organization will grow as years pass by. (g) —— may be described as a social device to reduce or eliminate risk of loss to life and property. () Investment (i) Saving ti) Insurance (iv) Loan AK23/956 ( Continueé — @ oe @ be 4 A nomination can be made only in favor of () a bank J spouse and children with guardian (iii) spouse and minor children (iv) parents, spouse and children (v) any individual The Third Party ene role mainly involves () canvassing business for the insurer (i) issuing documents on behalf of the insurer (ui) arranging for reinsurance (iv) sending renewal notices wu ecking and paying insurance claims Insurance cannot prevent the occurrence of risk but it provides for the of losses of risk (i) occurrence of risk (ii) chance of risk (iv) None of the above ( Turn Over } AK23/956CC (6) (ez) 2. Answer any three of the following questions - 6. State the features of proposal form, cover 4x3e) note and certificate of insurance 12 (a) Briefly explain the advantages of insurance. & Explain insurance and capital market in India, insurance and taxation, insurance and ae ‘ information technology in your own words (b) State the principles of insurance. with proper examples and explanations. 12 (c) What is IRDA? Explain the powers and ue functions of IRDA. (d) What is reinsurance? Explain its objectives. (e) Explain duties of authority. 3. What is revival policy? Explain the requisites of revival Policy. issue of duplicate policy, n and surrender value, policy loans, assignment. u &. Explain the Nature S and ife i and distinguish ie use of life insurance 3 characteristi life ans ce contracts, eristics of Aka: AK23—940/956 Code : 313504 3/9) oS ( Continued