-
COK 9
R. B. I. S. B. (B.DR)
2010
[TIME--:-,2-30 P.M. TO 5-30 P.M.)
(Maximum Marks-lOa)
PAPER I
ENGLISH
N.B.-(l) All questions are compulsory.(2) Figures to the right
indicate marks.(3) Each question must be started on a fresh
page.(4) All parts of a question must be answered together without
other
answers intervening.(5) Marks will be deducted ifan answer far
exceeds or falls short of
the set limit or is irrelevant or if the handwriting is
illegible.(6) Answers must be written in English.
..
1. Write an argumentative essay of about 500 words, on anyone of
thefollowing :-(a) Does Politics need Ethics?(b) Cricket unites the
World!(c) Do Growth and Inflation go together?(d) Is Environment
our Social Responsibility?(e) Travel and Tourism is a booming
business.
2. (a) Make a precis of the following pa;:;sage in your own
words, reducingit to about 220 words and give it a suitable title.
Write your precison the special sheet provided for the purpose
:-FOR the head of the IMF to quote Adam Smith may seem
unremarkable. But here is Dominique Strauss-Kahn citing the
greatman in November 2010 : " The disposition to admire, and almost
toworship, the rich and the powerful and ...neglect persons of poor
andmean condition,..is the great and most universal cause of the
corruptionof our mora1 sentiments."
Mr. Strauss-Kahn then bemoaned "a large and growing chasmbetween
rich and poor-especially within countries". He argued
thatinequitable distribution of wealth could "wear down the social
fabric ".He added: " More unequal countries have worse social
indicators, apoorer human-development record, and higher degrees of
economicinsecurity and anxiety."
That marks a huge shift. Just before the financial crisis
America's.Congress was gaily cutting taxes for the highest earners,
and TonyBlair, Britain's prime minister, said he did not care how
much soccerplayers earned so long as he could reduce child poverty.
So why hasfear of inequality stormed back into fashion? Does it
matter in somenew way ? Does it. have previously unknown effects
?
The most obvious reason for the renewed attention is
inequality'sapparent increase. A common yardstick is the Gini
coefficient, whichruns from 0 (everyone has the same income) to 1
(one person has allthe income). Most countries range between 0.25
and 0.6.
'r"'"",
/ I '.1.V
Marks
40
24
[Turn over
-
CON 9
2.
2
The Gini coefficient has gone" up a lot in some rich
countriessince the 1980s. For American households it climbed from
0.34 in themid-1980s to 0.38 in the 2000s. In China it went up even
more, fromunder 0.3 to over 0.4. But this was not universal. For
decades, Latin~America had the world's worst income inequality. But
Brazil's Ginicoefficient has fallen more than five points since
2000, to 0.55. Andas poor countries are on averkge"fb~owing faster
than rich ones,inequality in the world as a whole is. falling.
Greater inequality can happen either because the wealthier
aregetting wealthier, or the poor are falling-behind, or both. In
Americait has had more to do with the rich. The income ofthe
wealthiest 20%of Americans rose 14% during the 1970s, when the
income of thepoorest fifth rose 9%. In the 1990s the income of the
richest fifth rose27% while that of the poorest fifth went up only
1,0%. That is awidening income spread, but not a drastic one ..
Robert Gordon, aneconomist at Northwestern University in Illinois,
reckons, thatfor the bottom: 99% of the population, inequality has
not risensince 1993.. . The problems at the bottom are reasonably
well understood :technology enables the automation of blue-collar
trades; 'globalisationlets unskilled jobs move to poorer, cheaper
countries; shrinkingtrade-union membership erodes workers'
bargaining power.' Butinequality is rising more sharply at the top,
among what GeorgeBush junior called the" haves and have-mores ".
Here the causesare more mysterious.
But recent research does suggest two other reasons why the
risein inequality is a problem. One is that rich economies seem to
providedisproportionate and growing returns to the already wealthy.
The'other is that inequality may literally be making people
miserable byincreasing stress and the hormones it releases.
Economists have long argued that inequality is a much
lessimportant problem than poverty. The recent research
linkinginequality to widespread social ills has not decisively
overturned thatview : the evidence is still mixed, at best.
The claim that inequality now matters more because of brandsand
status competition may turn out to be more robust. Such
concernscould seem peripheral compared with global woes such as
poverty.But inequality is local. As Adam Smith also once wrote,
"ifhe wasto lose his little finger tomorrow, he would not sleep
tonight ; butprovided he never saw them, he would snore with the
most profoundsecurity over the ruin of a hundred million of his
brethren."
(b) (i) Answer the following questions on the passage briefly,
and inyour own words :-
(1) Discuss the universal cause of the corruption of our
moralsentiments.
(2) What can wear down the social fabric? .(3) How did Blair
express his fear of inequality?(4) Briefly mention how inequality
worldwide is falling?(5) What is the Gini coefficient?
(6) Why- is the rise in inequality a problem?
Marks
12
-
cox 9Marks
(ii) Explain clearly the contextual meamng of the following
4expressions :-(1) Wear down the social fabric
I~ (2) A common yardstick(3) Blue collar trades(4)
Peripheral.
3. Attempt anyone of the following in about 250 words ;- 20
(a) Draft an investigative report on a fire that broke out in
theaccounts department last week. Suggest safeguards to handlesuch
accidents in the future.
(b) Make a proposal on behalf of the employees to the
GeneralManager of the R B. 1. on the need for some Yoga and
Stress
Management Programmes for the officers, twice a year toincrease
their efficiency. You are the H. R Manager.
(c) With Corporates supporting social causes it is suggested
thatthe RB.1. can organise a Maths Quiz with cash awards
forunderprivileged children. As General Manager put your
ideasforward to the Head Office.
-
CON 10
.----(1) (2) (3)
(4) (5) (page) (6) (handwriting) (7) (perspective),
(presentation) ,
1. ()
()
2.
3. ()
()
4.
5. () ?
()
6. ()
()
7. () ?
() ,
8.
. . . . . (.)
2010
[----- 9-30 12-30 ]( -----100)
II
[
-
9. () -
() - ?
10. :----() () () ()
CON 10 2
-
R. B. I. S. B. (B.DR)2010
[TIME9-30 A.M. TO 12-30 P.M.](Maximum Marks100)
PAPER IIECONOMIC AND SOCIAL ISSUES
N. B..(1) Answer any five questions.(2) All questions carry
equal marks.(3) Answers may be written either in English or in
Hindi at the
candidates option. However, all the questions should be
answeredonly in the language so chosen. Answer-books written partly
inEnglish and partly in Hindi will not be evaluated.
(4) Part of the same question must be answered together
withoutanswers to other questions intervening.
(5) Answer to each question must be started on a fresh page.(6)
Marks will be deducted if handwriting is not easily legible.(7)
Answers will be judged on the basis of perspective, analysis
and
presentation.
1. (a) Inequality of income distribution is a global phenomenon
. Discuss.
(b) Suggest suitable measures to reduce inequality of income in
rural and urbansector in India.
2. Examine the impact of policy of liberalisation on rural and
urban employment andpoverty.
3. (a) Critically evaluate Indias Free Trade Policy in the post
reform period.
(b) Explain the recent developments in the exchange rate of
rupee.
4. Development projects are considered as temples of modern
India . Justify youranswer with reference to their impact on
environment and health.
5. (a) What are the objectives of population policy of India
?
(b) Describe briefly the government programme for stable
population.
6. (a) Review the role of regional political parties in
different states.
(b) In the age of coalition parties do they consider politics as
a family business .Discuss.
7. (a) Explain the role of National Human Rights Commission in
the protection of human rights.
(b) Justify the need of reservation for SC, ST and other
backward classes.
[ Turn over
CON 10 3
-
8. Review the achievements and failures of Indian planning in
reaching its targetsand policies.
9. (a) Discuss the problems associated with urbanisation and
rural-urban migration.
(b) What are the policies adopted by the government to solve
them ?
10. Write notes on any two of the following :(a) Unorganised
sector in India.(b) Micro credit and Women empowerment.(c)
Weaknesses in Indias higher education.(d) Various forms of Regional
Integration.
CON 10 4
-
CON 11
.----(1) I II (2) (3) (--) (4)
I
1. (capital market) (SEBI) ?
2. (foreign exchange risk) ? ? ?
3. (credit rating) ?
4.
5. (foreign direct investment) ? 1991 ?
II
6.
7. () (centralisation) (decentralisation)
() (delegation of authority)
8. (decision making) ? (ManagementInformation System) ?
9. (communication) (barriers)
. . . . . (-)
2010
[----- 2-30 5-30 ]( -----100)
III
[
-
CON 11 2R. B. I. S. B. (B.DR)
2010
[TIME2-30 P.M. TO 5-30 P.M.](Maximum Marks100)
PAPER IIIFINANCE AND MANAGEMENT
N.B..(1) Attempt any three questions from Section I and any two
questionsfrom Section II.
(2) All questions carry equal marks.(3) Answers must be brief
and to-the-point.(4) Answers may be written either in English or in
Hindi at the
candidates option. However, all the questions should be
answeredonly in the language so chosen. Answer-books written partly
inEnglish and partly in Hindi will not be evaluated.
SECTION I
1. Explain the different aspects of the Indian Capital Market.
What has been the roleof SEBI in this task ?
2. What is foreign exchange risk ? How can it be managed ?
Discuss the tools usedfor the purpose.
3. What is credit rating ? Discuss its benefits and
limitations.
4. Briefly discuss the framework put in place by the Reserve
Bank of India for thesupervision of banks and financial
institutions.
5. What are the arguments advanced in favour of foreign direct
investment ?What steps have been taken by the Government in the
period after 1991 toencourage foreign direct investment ?
SECTION II
6. Planning is the bridge between the present and the future .
Discuss.
7. (a) Explain the terms centralisation and decentralisation
.
(b) Explain the role of delegation of authority in making
decentralisation effective.
8. What is decision making ? What is the role played by
Management InformationSystem in decision making ?
9. Discuss the role of communication in an organisation. What
are the barriers toeffective communication ?
-
CON 1164
R.B.I.S.B. (B.D;R)2011
[TIME-2-30 P.M. TO 5-30 P.M.]
(MAxrMUM MARKs-IOO)
PAPER I
ENGLISH
N.B.-(l) All questions are compulsory.
(2) Figures to the right indicate full marks to each
question.
(3) Each question should be answered on a new page.
(4) All parts of a question should be answered together without
otheranswers intervening.
(5) Marks will be deducted if an answer far exceeds. or falls
short ofthe setlimit or is irrelevant or ifthe handwriting is
illegible.
(6) Answers must be written only in English.Marks
1. Write an argumentative essay in about 500 words on anyone of
the 40following topics :-
(a) Can technology bring about economic growth with social
justice?
(b) Has the RBI succeeded in curbing inflation?
(c) Can we have a corruption-free society?
(d) Has the economic balance of power tilted eastwards?
(e) Is social 'net' working a blessing or a curse?
2. (a) Make a precis of the following passage reducing it to
about 230 words 24and give it a suitable title. Write the precis on
the special sheetprovided for this purpose :-
Microfinance is now understood as a financial activity. But,
itactually emerged from development considerations. The need for
accessto capital was specifically articulated by women during the
UN Conferenceon Women and Development in Mexico City In 1975. The
focus then wason the micro-person, the person with a micro-status
in society.
The term' microfinance' came much later and its association
movedfrom savings to microcredit to financial services. However,
the primaryobjective of microfinance has always been developmental
in nature. Allalong, it was aimed at removing poverty and hunger.
But these twoquestions cannot be addressed adequately without
factoring in the issueof health.
Financial services are not just about money or giving loans to
thepoor. They are really about building assets to provide security
andlivelihood to poor people. This would be impossible to achieve
withouttaking into account the health status of poor individuals
and theirfamilies.
All too frequently, the poor default on paying back their loans
becauseof ill health and inability to earn during that period. This
has taught usan important lesson: The poor work at the cost of
their own body.
[Turn over
-
CON 1164 2
A poor woman's health and, therefore, her body is the first
andforemost asset of her work and her life. For microfinance to
achieve itsobjective of providing financial services to the poor it
has to lay stress onhealth security as a crucial element of social
security. They are indeed,two sides of the same coin.
When I started organizing informal sector labour in the late
1960sand early 1970s, I asked the poor what they wanted most
Invariably, itwas work they sought and not charity. Yes, they
longed for a better lifebut not the one without dignity. At the
same time, it was clear that theirearnings could easily be wiped
out without support services mostimportantly, health and
childcare.
Capacity building in numeracyand literacy also required
socialsecurity. This is necessary for sustained development and
higher levelsof efficiency. This is where microfinance can play an
important role and,for this reason, we need more microfinance
co-operatives today.
But addressing this and providing health security is
currentlydifficult since insurance schemes are generally not suited
to the poor. Wemust therefore, develop innovative insurance
products that meet therequirements of the poor while satisfying
insurance principles. That iswhy an integrated approach that links
microfinance with healthcare isso essential for development.
A product that has worked well is the deposit-linked life
andnon-life insurance. As the demand for insurance grows, the need
for anindependent, autonomous body offering health insurance to its
membersgrows as well. This is an important social security measure
because, amongother things, it can help finance medical
expenditure.
The banks can play an important role in this area by
providingfinancial services that cater to the healthcare needs of
the poor borrowers.These include flexible savings and loans and
particularly emergency loanson demand. Housing loans too can
mitigate the hardship of the poorImproved living conditions lead to
better and healthier lifestyle. In thisconnection one needs to
strengthen the participation ofwomen in bankingespecially in
microfinance.
In the final analysis, it is the women nf the household who
balancethe family budget. They can, therefore, playa vital role in
nourishingnot just kinship ties but health and well-being of the
family as well.Thus, when she borrows from a Microfinance
Institution (MFI) she seesit not just as access to money but as
access to an input that will strengthenher family. To ensure that
women continue to playa pivotal role in MFIs,we have to ensure that
they are protected through social security andhealth security.
A Government that fails in its duty to provide basic
healthcareservices at the local level adds to the indebtedness of
the poor workers.That is why, the microfinance sector should
collectively take up this policyissue with the Government. We must
remember that income securityand health security are two sides
ofthe same coin, especially for the poorwho are at the heart of
MFIs.
ElaBhatt.
-
3CON 1164 3 Marks
(b) (i) Answer, briefly and in your own words, any three of the
following 12questions based on the passage :-
(1) Trace the origin of the term' microfinance '. What has
beenits aim all along?
(2) Why do the poor default on repayament of loans ? Whatlesson
has the author learnt from this experience?
(3) Why does the author say that to truly benefit the
needymicrofinance sector should focus on the issue of health ?
(4) What role can insurance companies and banks play inproviding
social security to poor borrowers?
(5) Why does the author say that women can playa vital rolein
ensuring the success of MFIs ?
(ii) Explain clearly the contextual meaning of any four the
following 04expressions:-
(1) development considerations
(2) crucial element
(3) informal sector
(4) support services
(5) sustained development
(6) integrated approach.
3. Attempt anyone of the following in about 250 words :- 20
(a) Indian households have savings of above 30%- one of the
highestin the world. A Committee has been constituted to suggest
variousfinancial products where these savings can be invested with
aview to protecting the principal from inflation and also to
givepositive and real returns. Draft the Committee Report.
(b) Commuting to office during peak hours has become an
ordealparticularly in large cities. This is affecting the
efficiency of theemployees. As the HR Manager draft a proposal to
be sent to RBIfor introducing flexible working hours in the bank.
Highlight thesalient features of' flexi-time' and how it would
enhanceefficiency at workplace.
(c) RBI had issued a Notification directing commercial banks
againstlending more than 80% of the value ofthe property for loans
aboveRs. 20 lakhs. The President of the Association of Real
EstateDevelopers of India has written to RBI stating that this
movedoes not bode well for developers as it may lead to drop in
homesales. On behalf of RBI write a suitable reply to besent to the
President of the Association. Impress upon the realestate
developers that the notification is aimed at curbingspeculation in
the market and not at affecting home sales.
-
CON 1165
.----(1) (2) (3)
(4) (5) (page) (6) (handwriting) (7) (perspective),
(presentation) ,
1. 1991 ,
2. () ? ?
() ?
3. () ?
()
4. () (failed) ()
5. :----
() (Provisions)
()
6. ()
() ?
7. ()
()
. . . . . (.)
2011
[----- 9-30 12-30 ]( -----100)
II
[
-
8. () ?
()
9. ()
()
10. :----() , () () ()
CON 1165 2
-
R. B. I. S. B. (B.DR)2011
[TIME9-30 A.M. TO 12-30 P.M.](Maximum Marks100)
PAPER IIECONOMIC AND SOCIAL ISSUES
N. B..(1) Answer any five questions.(2) All questions carry
equal marks.(3) Answers may be written either in English or in
Hindi at the
candidates option. However, all the questions should be
answeredonly in the language so chosen. Answer-books written partly
inEnglish and partly in Hindi will not be evaluated.
(4) Part of the same question must be answered together
withoutanswers to other questions intervening.
(5) Answer to each question must be started on a fresh page.(6)
Marks will be deducted if handwriting is not easily legible.(7)
Answers will be judged on the basis of perspective, analysis
and
presentation.
1. Examine the banking sector reform measures undertaken in
India since 1991. Brieflydescribe the recent changes in RBIs
monetary policy.
2. (a) What is sustainable development ? What should be done to
achieve it ?
(b) What is environment management ? Explain social and economic
aspects ofenvironment management.
3. (a) Do you agree with a view that public sector enterprises
have played a strategicrole in accelarating economic growth.
Explain.
(b) Explain the importance of service sector and its
contribution to employment inIndia.
4. (a) Monetary measures have failed to control inflation in
India. Explain.
(b) Suggest suitable options for controlling inflation.
5. Explain the measures and strategies adopted by India on the
following subjects
(a) Provision of Social Security
(b) Foreign Direct Investment.
6. (a) Explain the factors responsible for the rapid growth of
export over the past decade.
(b) What changes have taken place in the product composition of
exports in recentyears.
[ Turn over
CON 1165 3
-
7. (a) Religion continues to be an important source of identity
for most people in SouthAsia. Discuss.
(b) Examine the need of secularism in our country with special
reference toconstitution of India.
8. (a) Is creation of smaller states the right solution to
improve the quality of governanceand check corruption. Discuss.
(b) Explain the changes in public administration in the age of
globalisation andliberalisation.
9. (a) Caste factor is most dominant and omnipresent in Indian
politics . Discuss thestatement with suitable illustration.
(b) Explain the impact of reservation policy on scheduled castes
and scheduled tribes.
10. Write notes on any two :(a) Impact of globalisation on
culture, media and technology.(b) Role of small and medium
enterprises in Indian economy.(c) Privatisation of higher
education.(d) IMF in the changing world.
CON 1165 4
-
CON 1166
.----(1) I II (2) (3) (--) (4)
I1. (merchant banking) ?
2.
3.
4. (credit)
5. () (securitisation) ?
()
II
6.
7. Autocratic (), democratic () abdicative () ?
8. () :----
(i) (ii)
() ? ?
9. (communication)
. . . . . (.)
2011
[----- 2-30 5-30 ]( -----100)
III
[
-
R. B. I. S. B. (B.DR)2011
[TIME2-30 P.M. TO 5-30 P.M.](Maximum Marks100)
PAPER IIIFINANCE AND MANAGEMENT
N. B..(1) Attempt any three questions from Section I and any two
questionsfrom Section II.
(2) All questions carry equal marks.(3) Answers must be brief
and to-the-point.(4) Answers may be written either in English or in
Hindi at the
candidates option. However, all the questions should be
answeredonly in the language so chosen. Answer-books written partly
inEnglish and partly in Hindi will not be evaluated.
Section I
1. What is meant by merchant banking ? Discuss in detail the
various functionsperformed by merchant bankers.
2. Briefly explain the salient features of the Foreign Exchange
Management Act.
3. A tax is a burden on the present ; a debt (loan) puts the
burden of repayment onfuture generations. Explain.
4. Explain in detail the different methods of credit control in
India.
5. (a) What is securitization ? What purpose does it serve ?
(b) Discuss the benefits and limitations of securitization.
Section II
6. Sound organization is an essential prerequisite of efficient
management. Explain.
7. What are the major differences between autocratic, democratic
and abdicative stylesof leadership ?
8. (a) Explain the terms authority and responsibility .
(b) What is delegation of authority ? How can delegation be made
effective ?
9. Discuss the role of communication in an organization. What
are the barriers to effectivecommunication ?
CON 1166 2
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CON 662
[ Turn over
R. B. I. S. B. ( B.DR )PY 2012
(MAXIMUM MARKS100)
PAPER I
ENGLISH
N.B.(1) All questions are compulsory.
(2) Figures to the right indicate full marks to each
question.
(3) Each question should be answered on a new page.
(4) All parts of a question should be answered together, without
otheranswers intervening.
(5) Marks will be deducted if an answer far exceeds or falls
short of theset limit, or is irrelevant, or if the handwriting is
illegible.
(6) Answers must be written only in English.
1. Write an essay of about 500 words on any one of the following
:
(a) Can the Food Security Bill help ?
(b) Has Gold lost its Glitter ?
(c) Sports other than Cricket, are winning us medals today.
(d) How do Hi-Tech gadgets Rule our Lives ?
(e) Environmental disasters are not only due to Global
Warming.
(f) Indian Food is popular Worldwide !!
2. (a) Make a precis of the following passage reducing it to
about 230words, and give it a suitable title. Use the precis sheet
speciallyprovided for this purpose :What do Indians want and what
are their concerns? In the rare
cases where such questions are asked, there are no surprises:
pricerise, corruption, job creation, law and order, education and
health,the precise ranking varying from survey to survey.
More than 50% of Indias population is under-25 and there willbe
a clutch of new voters in 2014. Priorities of under-25s
arentnecessarily the same as priorities of those over 65. With
gerontocracycharacterising political leadership, there is a
disconnect betweenwhat Young India wants and what Old India thinks
Young Indiawants. Old India lives in yesterday and unfortunately,
uses itsprism to deliver policies for tomorrow, when Old India will
nolonger be around. Young India will live in tomorrow and will
behamstrung by policies Old India fashions today.
There are reasons for Young Indias disenchantment. Inflationis
high and at the consumers end, unlikely to fall sharply.Similarly,
numbers show a decline in employment generation.Inflation of 10%
matters less if money incomes rise at 10% plus.It matters more when
jobs are scarce, salaries and increments arelower, there is greater
privatised expenditure on health andeducation and EMIs become
difficult to service. It matters more ifthe custodians of public
assets are perceived to have interpreted
Marks40
24
-
CON 662 2
privatisation in ways that the Washington Consensus did not
thinkof. It also matters more if the state is seen to be lax in
ensuringits primary responsibility of law and order and justice
delivery,reasons why people around the world elect governments in
thefirst place.
Anger and angst witnessed on the streets are as much
amanifestation of these underlying reasons than immediate
triggers.Ostensibly, as per the census, only 31% of Indias
population isurban and such concerns may be thought to be
representative ofurban Young India, not rural Young India,
inhabiting the 6,00,000Villages. This proposition has doubtful
validity. While urban andrural have census definitions, Indias
evolution over the lastdecade is not just about faster
urbanisation, it is also aboutprogressive integration of several
villages into the mainstream.
Telecom and road connectivity have improved. There is
greaterinformation dissemination. Earlier, a large chunk of
migration usedto be within the District. Though migration data
becomes availablewith a lag, circumstantially, interstate migration
has increased.
A characteristic of developed countries is low transaction costs
ofmigrating to other regions. Though transaction costs are still
highin India, they are probably declining. Politically,
patronisingmindsets tend to think of voting populations as being
carved upinto collective categories like rural/urban, caste,
religion, ethnicity,even gender. Development breaks down such
collectivecategorisation into individuals and households. It is
aspirationsand expectations that become collective, standardised
and universal,focused on development and governance and provision
of publicgoods. It cant be anyones case that the churn is already
complete,or that it will manifest itself in 2014 voting
patterns.
One dosent know whether the structural shift will lead to ashift
in electoral dynamics in 2014. What one does know is thatfew
political parties and leaders have understood that a shift istaking
place. This is reflected in discourse and debates and will
bereflected in manifestos and vision documents. The Bible
states,Your young men will see visions, your old men will dream
dreams.
While the old men will dream of coming back to power, it
shouldbe a function of a vision that is sold to Young India of
bettermentof lives and economic empowerment, not doles and
handouts. Itshould be a vision of where we want India to be in
2025, orbeyond. That differentiates 20/20 vision from
myopia.(Extracted from an article by Bibek Debroy in The Economic
Times)
(b) Answer any two of the following questions based on the
passageabove :
(i) What are the concerns of Indians ?(ii) Discuss briefly the
reasons for Young Indias disenchantment.
(iii) What is reflected in discourses and debates ?
(c) Use any three of the following phrases in sentences of your
own toillustrate its meaning :
(i) lives in yesterday(ii) to fall sharply
(iii) anger and angst(iv) economic empowerment(v) differentiate
vision from myopia.
Marks
10
6
-
CON 662 3
Marks203. Answer any one of the following in about 250 words
:
(a) The Chairmen of the Reserve Bank has called an urgent
meetingto examine the problem arising from a sudden spurt of fake
notesof denominations of 1000 and 500 in the market. Discuss
themeasures suggested to identify and stop this flood of fake
currency.
(b) Hoardings pose an environmental hazard and are an ugly
sightin any city. Write an open letter, as a concerned citizen to
theEditor, The Times of India offering your ideas in this
matter.
(c) In the wake of online financial frauds and phishing ; the
RBI hasdecided to send a Circular to all banks to secure the
details of theaccounts of their customers and warn them about such
risks. Draftthis circular.
-
CON 663
.----(1) (2) (3)
(4) (5) (page) (6) (handwriting) (7) (perspective),
(presentation) ,
1. ()
() (core) (values)
2. ()
() + 20
3. () (panacea)
() , (performance)
4. () - (migration) ?
() ?
5. ()
() ?
6. ()
() -
. . . . . (.)
PY 2012
( -----100)
II
[
-
7. () (Infrastructure)
()
8. () (shifted) ?
() (corporate)
9. ()
() (Presidential)
10. :----() () : - () - () (Liberalised)
CON 663 2
-
R. B. I. S. B. (B.DR)PY 2012
(Maximum Marks100)
PAPER IIECONOMIC AND SOCIAL ISSUES
N. B..(1) Answer any five questions.(2) All questions carry
equal marks.(3) Answers may be written either in English or in
Hindi at the
candidates option. However, all the questions should be
answeredonly in the language so chosen. Answer-books written partly
inEnglish and partly in Hindi will not be evaluated.
(4) Part of the same question must be answered together
withoutanswers to other questions intervening.
(5) Answer to each question must be started on a fresh page.(6)
Marks will be deducted if handwriting is not easily legible.(7)
Answers will be judged on the basis of perspective, analysis
and
presentation.
1. (a) Distinguish between economic growth and economic
development.
(b) Explain various aspects of economic development
incorporating the core valuesof development.
2. (a) Explain the linkage between environment and economic
development.
(b) Comment on the new theme of Rio+20 conference: Green economy
path tosustainable development.
3. (a) Monetary policy is not a panacea for Indias long term
economic challenges. Discuss.
(b) Explain the comparative performance of public sector banks,
new private sectorbanks and foreign banks in India after the
introduction of reforms.
4. (a) What are the factors that influence rural-urban
migration?
(b) How does migration affect economic development?
5. (a) Examine the position of women in informal sector.
(b) Why does female labour force participation ratio decline
with better economicconditions in India ?
6. (a) Examine foreign exchange reserves and external commercial
borrowings asmethods of financing deficit in Balance of
Payments.
(b) Discuss the role of R.B.I. in controlling exchange rate
fluctuations.
[ Turn over
CON 663 3
-
7. (a) Examine the role of infrastructure in economic
development.(b) Discuss the positive and negative implications of
service sector growth in the
process of economic development.
8. (a) Why the focus of discussion on human development has
shifted from quantity ofgrowth to quality of growth?
(b) Discuss the need of involvement of corporate sector in
higher education.
9. (a) Examine the changing political values in India.(b)
Discuss the suitability of presidential form of Government for
India.
10. Write notes on (any two) :(a) Food security to all(b)
Poverty : a multi-dimensional problem(c) Impact of W.T.O. on Indian
Agricultural Trade(d) Role of planning in liberalised economy.
CON 663 4
-
CON 664
.----(1) I II (2) (3) (--) (4)
I1. 2013-2014
2. - ( ), -
3. - (FERA) (FEMA) ,
4. (NBFCS) 3 (RBI) 1934 ,
5. :----
(i) (Securitisation)
(ii)
(iii) (Swaps)
(iv) (sub-standard assets)
II
6.
7. ()
()
8. ()
()
9. ()
() ,
. . . . . (.)
PY 2012
( -----100)
III
[
-
R. B. I. S. B. (B.DR)
PY 2012
Maximum Marks100)
PAPER III
FINANCE AND MANAGEMENT
N. B..(1) Attempt any three questions from Section I and any two
questionsfrom Section II.
(2) All questions carry equal marks.(3) Answers must be brief
and to-the-point.(4) Answers may be written either in English or in
Hindi at the
candidates option. However, all the questions should be
answeredonly in the language as chosen. Answer-books written partly
inEnglish and partly in Hindi will not be evaluated.
SECTION I
1. Highlight the salient features of the Union Budget
2013-14.
2. High inflation is a source of internal and external
disequilibrium-Explain thestatement with reference to CAD (Current
Account deficit) and weakening of therupee.
3. Indian forex management had evolved from FERA to FEMA.
Discuss.
4. Briefly state the provisions relating to the Non Banking
Financial Companies (NBFCS)under Chapter III B of the RBI Act,
1934.
5. Write short notes on any two of the following :(a)
Securitisation(b) Stock market index(c) Swaps(d) Sub-standard
assets.
SECTION II
6. State the concept and goals of Human Resource Development
(HRD).
7. (a) Explain the role of information Technology in
Communication.
(b) Distinguish between Authority and Responsibility.
8. (a) Explain the terms Corporate Governance .
(b) Explain in brief the concept of Control and
Communication.
9. (a) Briefly discuss the different styles of leadership.
(b) Distinguish between a Manager and a Leader.
CON 664 2
-
CON 489
R. B. I. S. B. (Gr. B.DR)
BY 2014
(Maximum Marks100)[Duration : 3 Hours]
PAPER I
ENGLISH
Instructions.(1) All questions are compulsory.(2) Figures to the
right indicate full marks to each question.(3) Each question should
be answered on a new page and the
question number must be written on the top.(4) Precis and its
title should be written in Precis sheet only.(5) The answers of
parts of the same question, if any, should
be written together. In other words, the answer of
anotherquestions should not be written in between the Parts of
aquestion.
(6) Marks will be deducted if an answer far exceeds or far
fallsshort of the set limit, or if the handwriting is
illegible.
(7) Candidate should use only Blue or Black ink pen/ball
pointpen to write the answers.
(8) The Name, Roll No. and other entries should be written inthe
answer-scripts at the specified places only and theseshould not be
written anywhere else in the answer scriptand supplements used, if
any.
1. Write an argumentative essay of about 500 words, on any one
of thefollowing :
(a) Euthanasia, a debatable phenomenon in India.(b) Media is one
of the strongest pillars of democracy.
(c) Role of R.B.I. in controlling the inflation.
(d) Stand of the NDA Government in dealing with corruption.
(e) Uses and misuses of Anti-Dowry Act.
(f) Commonwealth Games-2014 and India.
2. (a) Make a prcis of the following passage in your own words,
reducingit to about 230 words and give it a suitable title. Use the
prcissheet specially provided for this purpose :
Against the background of a stable recovery of world economy,the
6th BRICS leaders meeting from July, 15th to 16th at
Fortaleza,Brazil, with the theme of Sustainable Solutions for
Inclusive Growth,is definitely among the most important
international events in thesecond half of this year. It is also an
important event for China-India relations since the President of
China has had his first evermeeting with the new Indian Prime
Minister on the sidelines of thesummit. The BRICS has become an
important force to cope with theinternational financial crisis, in
driving global economic growth andin promoting democratization of
international relations.
Marks
40
24
[ Turn over
-
The BRICS countries (Brazil, Russia, India, China and
SouthAfrica) are not only building upon their own strength, but
alsomake efforts to help others. Despite the financial need for
their owneconomy, BRICS contributed a total sum of $180 billion to
theInternational Monetary Fund in two rounds and the efforts
werewell commended by the international community.
BRICS is highlighted by pragmatic co-operation in major
projects.The BRICS New Development Bank (NDB) and the
FinancialContingency Reserve Arrangement (CRA), which were first
initiatedduring the 2012 BRICS summit in India, has become reality
in theFortaleza summit. The NDB and CRA will not only benefit
theBRICS countries, but also provide finance to infrastructure
projectsin emerging markets and other developing countries. It is
also aimedto assist them to better withstand risks from
international financialturbulence. Other key economic co-operative
projects such as jointfinancing by respective development banks,
co-operation amongindustrial and business enterprises and the
economic and tradeliaison group will also inject new momentum for
development of theBRICS countries.
As the worlds two most populous and largest developing
countriesas well as the founding members of the BRICS, China and
Indiaare firm supporters and active participants of the
co-operation amongthe BRICS countries, and always take co-operation
with other BRICScountries as one of the priorities in their foreign
policy. China andIndia are also good neighbours, good friends and
good partners thathave established a strategic and co-operative
partnership for peaceand prosperity. Both countries are now facing
a historical missionof growing the economy and improving peoples
livelihood. TheChina-India bilateral co-operation and their
co-operation under theBRICS framework are complementary to each
other.
Our major projects include the BCIM Economic Corridor,
theChinese-style industrial parks in India, railway co-operation,
andinitiatives of the Silk Road Economic Belt and co-operation
alongthe 21st Century Maritime Silk Road. We are also working for a
Trans-Himalayas Economic Growth Region driven by double-engine of
China and India. All the co-operation can be benefitedfrom the
BRICS co-operation mechanism. China and India shouldestablish a
closer partnership of development to promote moreintegration of
market, greater financial linkage, better connectivityof
infrastructure as well as closer people-to-people contacts, andthus
to bring our people tangible benefits.
India recently announced its Railway and Union
budgets,indicating that India is set to accelerate economic
development. AsIndias only neighbour in BRICS, China hopes and
believes that,under the strong leadership of Indian Prime Minister,
Indiaseconomy will gear up to a healthy track and develop better.
Chinawill enhance its co-operation with India by proactive and
practicalaction.
Chinese railway department has recently sent officials
andtechnical experts to India for substantive consultation on
co-operationof the speedup of existed railway lines and the
upgradation ofrailway stations.
It is firmly believed that, with our joint efforts, a
wide-ranging,multilevel and high-quality economic co-operation
between China
MarksCON 489 2
-
and India will be achieved with more convergence of our
twoemerging markets. The common development of China and Indiawill
ensure the Asian centurys arrival.
There are still challenges for the BRICS countries to move
forward.As an old saying goes, If you want to go fast, go alone ;
if you wantto go far, go together. It is positively believed that
as long asChina, India and other BRICS members insist on building
theirstrong partnership, deepening economic co-operation, a better
futureis achievable for BRICS.
(b) Answer any two of the following questions based on the
abovepassage :
(i) What are the major objectives of the BRICS Bank ?
(ii) How can pragmatic co-operation in major projects beensured
through the BRICS ?
(iii) Illustrate how can the China- India bilateral co-operation
beachieved under the framework of the BRICS ?
(c) Use any three of the following phrases in sentences of your
own, tobring out its meaning :
(i) to cope with
(ii) pragmatic co-operation
(iii) trade liaison
(iv) tangible benefits
(v) gear up.
3. Attempt any one of the following in about 250 words :
(a) It has been reported to R.B.I. that few banks are violating
theprescribed norms while granting loans to the Private
Companies.As the General Manager of R.B.I., direct a committee to
beinstantly constituted to look into the matter and recommend
theremedial measures to be initiated against such banks. Draft
acommittee report.
(b) On behalf of RBI, issue a circular to all the subsidiary
banks toopen special cell to deal with educational loan
applications forhigher education in India and abroad and expedite
the essentialprocedures to sanction the loans within a specific
period of 10days.
(c) The Chairman of Customers Association has reported to
R.B.I.that banks located in rural areas are not able to function
welldue to frequent cuts in power supply. It causes
tremendousinconvenience to customers who come from far off places
and goback without their work being done. On behalf of R.B.I.,
drafta letter to the Chairman of the Association, assuring him
thatthe matter will be seriously taken into account and rural
bankswill be instructed to make provision for the installation
ofgenerators to address this problem permanently in case of
powerfailure.
Marks
10
6
CON 489 3
20
-
CON 491
+xn : (1) Ex {S |x E =k n *(2) n =n 5 +vE |x E =k ni i E { {S
=k
E Ex E VBM il =k E Uc n VBM *(3) |x E +E * (|iE |x E 20 +E) *(4)
|iE |x E =k xB {` { n Vx SB il |x E J
{
-
7 . J EVB :----
(+) i |iI n x (FDI) E |k
() Ij FDI
8. ]Ei E E E i E Jhbi Ex E V. {. xE i E
E + SxiE Ex EVB *
9. i +, VM il xi Ij E Mnx E J EVB *
10. Ex n { ]{{h JB :----
(+) i E{ h E
() VE b E I ={M : nx +{
(E) i Vn E
(b) P]i + M----+x{i*
2CON 491
-
R. B. I. S. B. (Gr. B.DR)PY 2014
(Maximum Marks100)[ Duration : 3 Hours ]
PAPER IIECONOMIC AND SOCIAL ISSUES
Instructions. (1) Answer any five questions. (2) In case the
candidate answered more than Five
questions, only the first five answers will be evaluatedand the
rest of the answers will be ignored.
(3) All questions carry equal marks. ( 20 marks for
eachquestion).
(4) Each question should be answered on new page andthe question
number must be written on the top.
(5) The answers of parts of the same question, if any,should be
written together. In other words, the answerof another questions
should not be written in-betweenthe parts of a question.
(6) Marks will be deducted for illegible hand-writing.
(7) Answers will be evaluated on the basis of
perspective,analysis, and presentation.
(8) Answers must be written either in English orin Hindi.
However, all the questions shouldbe answered in one language only.
Answer-bookswritten partly in English and partly in Hindi will
notbe evaluated.
(9) Candidate should use only Blue or Black ink pen/Ballpoint
pen to write the answers.
(10)The Name, Roll No. and other entries should be writtenin the
answer-scripts at the specified places only andthese should not be
written anywhere else in theanswer script and supplements used, if
any.
1. Explain different indices for measuring economic development.
Whichmeasure is most appropriate according to you and why ?
2. Deepening challenge of the climate change is the area that
requiresimmediate global attention. Discuss.
3. (a) Explain the provisions under MGNREGA.
(b) Examine the challenges of Direct Benefit Transfer (DBT) with
respectto MGNREG Scheme.
4. Examine the inter-relationship of food inflation and rising
wages inrural areas of India.
[ Turn over
CON 491 3
-
5. Explain the causes of Indias rising sexual crime graph. What
measures would yousuggest to prevent the same?
6. Increasing unemployment in India reveals that we are not able
to put ourdemographic dividend to good use. Discuss.
7. Explain :
(a) Trends of Foreign Direct Investment (FDI) in India
(b) FDI in Insurance
8. Critically evaluate the J P Nayak committees recommendations
to dismantle thegovernments stakes in nationalized banks.
9. Explain the contribution of service sector in income,
employment and export inIndia.
10. Write notes on any two :
(a) Malnutrition in India
(b) Use of social media in education : a boon or bane
(c) Problem of child labour in India
(d) Declining sex ratio.
CON 491 4
-
CON 490
+xn.---(1) M I Ex ix |x + M II Ex n |x E=k n*
(2) n =n 5 +vE |x E =k ni i E { {S=k E Ex E VBM il =k E Ub
nVBM*
(3) |x E +E *
(4) |iE |x E =k xB {` { n Vx SB il |x E J {
-
M--II
6 . E hVE
-
R. B. I. S. B. (Gr. B.DR)
PY-2014
(Maximum Marks100)[ Duration : 3 Hours ]
PAPER IIIFINANCE AND MANAGEMENT
Instructions.(1) Attempt any three questions from Section I
andany two from Section II.
(2) In case the candidate answered more than Five questions,only
the first five answers will be evaluated and therest of the answers
will be ignored.
(3) All questions carry equal marks.
(4) Each question should be answered on new page and thequestion
number must be written on the top.
(5) The answers of parts of the same question, if any, shouldbe
written together. In other words, the answer ofanother questions
should not be written in-between theParts of a question.
(6) Marks will be deducted for illegible hand-writing.
(7) Answers must be brief and to the point.
(8) Answers must be written either in English orin Hindi.
However, all the questions should be answeredin one language only.
Answer-books written partlyin English and partly in Hindi will not
be evaluated.
(9) Candidate should use only Blue or Black ink pen/Ballpoint
pen to write the answers.
(10) The Name, Roll No. and other entries should be written
inthe answer-scripts at the specified places only and theseshould
not be written anywhere else in the answer scriptand supplements
used, if any.
SECTION I
1. State the different types of exchange risks inherent in
foreign exchangebusiness.
2. Briefly explain the Union Budget, 2014-2015 provisions
relating tofinancial, banking and insurance sectors.
3. Trace the developments in financial sector reforms in India
since 1991.
[ Turn over
CON 490 3
-
4. (a) Explain in brief the provisions of R. B. I. Act,1934.
(b) Write a note on R. B. I. s attempt in giving differential
licenses forsmall banks.
5. Write short notes on any two of the following :
(i) SEBI
(ii) Stock Exchanges
(iii) Service Tax
(iv) Syndicated Loans.
SECTION II
6. Corporate Governance and Corporate Social Responsibility are
the twinsto shine a corporate entity Discuss.
7. Distinguish between :
(a) Verbal and Non-verbal Communication
(b) Directing and Controlling.
8. A successful leader is always an effective leader do you
vouchthis statement.
9. (a) Explain in brief the Concept and Goals of Human
ResourcesDevelopment ( HRD ).
(b) Outline the role of incentives in building up employee
morale.
------------------------------
CON 490 4