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DRIVE Fall 2015
PROGRAM MBADS (SEM
3/SEM 5) MBAFLEX/ MBA (SEM 3) PGDBMN (SEM 1)
SUBJECT CODE &
NAME MA0039 & RETAIL BANKING
BK ID B1619
CREDITS 4
MARKS 60
Q1 Explain the
reasons for retail growth- An analysis. Give the advantages of retail banking.
Explain the barriers to the development of banking sector in India.
(Explanation of
reasons for retail growth-an analysis, Advantages of retail banking,
Explanation of the barriers to the development of banking sector in India)3,3,4
Answer.
Reasons for
retail growth-an analysis
1. Economic prosperity and the
consequent increase in purchasing power have given a boost to a consumer boom.
Note that during the 10 years after 1992, India’s economy grew at an average
rate of 6.8 percent and continues to grow at almost the
Q2.
Write short notes
on:
a) Door step
Banking
b) Mobile Banking
(Door step banking, Mobile Banking)4,6
Answer.
a) Door step
Banking
Customers
demand for services is such that banks need to provide banking service at their
place of residence. Phone banking has been developed in banks to cater to such
requirements of the customers. Through phone banking, a customer is able to get
Q3 Explain about
the types of customers in retail banking.
Individuals
·
Joint account holder
·
Sole proprietor
·
Partnership
·
Karta
Answer.
Joint account
holder
Two
persons can open a joint account with a bank. Bank is required to obtain clear
operational instructions from the joint account holders. The account can
operated
Jointly
– account operated jointly by both.
Jointly
or survivor
Q4. Explain about
cheque and its features. Explain the aspects on which a banker has to verify.
(Explanation of cheque and its features,
Explanation of aspects on which a banker has to verify)3,7
Answer.
Ccheque and its
features
Cheques
are the main instruments, which are used in settlement of money transactions.
When a cheque is presented for payment, a banker is required to verify whether
the cheque is in order before effecting payment. According to section 6 of NI Act, a “
Q5. Explain about
clearing cheque and its features. Explain about Inter Bank Settlements.
(Explanation of
clearing cheque, Explanation about Inter bank settlements)5,5
Answer.
Clearing cheque
Cheques
are used as instruments to settle business transactions. One customer draws a
cheque in favour of another customer and hands over the cheque in settlement of his dues arising
out of a business transaction. The person who draws the cheque is
Q6. Explain on
Leveraging Technology. Write about Product and process innovation. Also write
down on Technology Vs Global competition.
(Explanation on
leveraging technology, Explanation on product and process innovation,
Explanation on Technology Vs Global competition)3,5,2
Answer.
Leveraging technology
The
implementation of technology in banks has prompted them to leverage technology
to a maximum extent to offer services through multiple channels. Both banks and
customers are benefited through leverage of technology. Other than traditional
Get fully solved assignment. Buy online from website
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