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DRIVE-SPRING
2014
PROGRAM-MBADS
(SEM 3/SEM 5) MBAFLEX/ MBAN2 (SEM 3) PGDBMN (SEM 1)
SUBJECT
CODE & NAME- MA0038 / MA0045-BANKING OPERATIONS
BK
ID-1616
CREDIT-4
MARKS-60
Q1.
Explain the process of intermediation in banks.
(Explain
the intermediation) 10
Answer.
Process
of intermediation in banks
Intermediation is the process of
linking savers of money with those who are in need of money. For example, David
is a money lender and lends money to the needy. Will David lend money charging
market rate of interest or more? Naturally, he will charge more than the market
rate of interest. People who borrow money from David run the risk
Q2.
Analyse the rate of interest paid on savings bank deposit and current account
deposit of one public sector bank and one private sector bank. Discuss the
factors that has an impact on pricing of deposit related services.
(Analysis
of interest rates, Factors)5, 5
Answer.
Analysis
of interest rates
Interest
Q3.
Discuss Asset Liability Management strategy and explain the ALM perspectives.
(Asset
Liability Management strategy, Explain the ALM perspectives) 5, 5
Answer.
Asset
Liability & Management strategy
Asset Management Strategy
Some of the banks, because of
their wide network and marketing skills, were able to steadily increase their
deposits on a regular basis which helped them to show a growth percentage on a
year-on-year basis. In such banks, the main
Q4.
Analyse how factoring is different from Forfaiting and bill discounting.
(Explain
Factoring, Forfaiting, Bill discounting) 3, 3, 4
Answer.
Factoring
Factoring as a financial service
was introduced in the early 90s, and it is yet to pick up momentum. If the
purchaser of the goods delays payment, it will result in locking up of working
capital funds for the exporter. Further, in this competitive environment, an
exporter has to keep in mind the cost of borrowing also while pricing his
commodity.
Q5.
Trace the history of RBS bank (merger story). Where is its head office located?
List out the locations of RBS bank branches in India
(History,
Head office, Locations in India) 5, 1, 4
Answer.
The
history of RBS bank
The Royal Bank of Scotland Group plc (also known
as RBS Group) is a British banking and insurance holding company, based in
Edinburgh, Scotland. The group operates a wide variety of banking brands
offering personal and
Q6.
Differentiate between NEFT and RTGS as well as SWIFT
(Explain
NEFT, RTGS and, SWIFT) 3, 3, 4
Answer.
NEFT
NEFT’
stands for National Electronic Fund Transfer. NEFT enables the individuals or
institutions to electronically transfer the funds from any bank branch to any
individual or institutions that may have an account in any other
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