M.com(Banking) Examination May 2006 - BANKLENDING - POLICY AND TECHNIQUES

[ganeshbala]

BANKLENDING - POLICY AND TECHNIQUES

(For those who joined in July 2003 or after)

Time : Three hours Maximum: 100 marks

SECTION A - (4 x 10 =40 marks) Answer any FOUR questions


1. "Loans are major sources of deposits" - Explain.
2. Explain the different types of Bank advances.
3. What do you mean by scheduling of loan in a Bank?
4. What is Lease financing? What are the advantages of Leasing?
5. What is project financing? What are the characteristics of project financing?
6. Explain the role of Banker as a Guarantor.
7. Explain consortium lending by Commercial Banks.
8.. What are the difficulties of Commercial banks in financing industries?

SECTION B - (3 x 20 =60 marks) Answer any THREE questions.

9. Explain the precautions to be taken by the Banker while lending against guarantees.
10. Explain the refinance facilities available to Commercial Banks from the National Housing
Bank.
11. Explain the role of Commercial Banks in providing short term finance for industries.
12. Explain the various types of analysis of financial statements for sanctioning loans.
13. Explain the process of documentation to be followed by the commercial banks while
advancing different types of loans to customers.
14. Explain the principles of sound lending.