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DRIVE SPRING 2016
PROGRAM MBA
SEMESTER III
SUBJECT CODE &
NAME
MA0036 &
FINANCIAL SYSTEM & COMMERCIAL BANKING
1
Elaborate the services offered by the Central Depositories Services Limited
(CSDL)
Services offered
by the Central Depositories Services Limited (CSDL)
Answer: A
depository is an organization that holds securities of investors in an
electronic format at the request of an investor through a registered Depository
Participant. It assists in the allotment and transfer of securities and
securities lending. In a depository, securities such as money, shares and
properties, etc. are kept for safekeeping under their or depositary terms. The
2
Explain the importance of Call money and Treasury bills as short term money
market debt instruments.“Debenture instruments are important as relatively long
term corporate debt instruments” – Do you agree? Justify your
agreement/disagreement.
Importance of
Call money and Treasury bills as short term debt instruments
Importance of
Debentures as relatively long term debt instruments
Answer: Call/notice money
Call money is
the money borrowed or lent on demand for a very short period. When money is
borrowed or lent for a day, it is known as Call (Overnight) Money. Intervening
holidays and/or Sunday are excluded for this purpose. Thus, money borrowed on
one day and repaid on the
3
Illustrate the challenges faced by the financial service sector.
Challenges faced
by the financial service sector
Answer: The financial service sector is facing many
challenges. They are as follows:
Ø Ensuring availability of trained staff –
This sector is geared with the task of financial creativity. In fact, lack of
qualified and trained staffs is an important drawback or
4
Explain the role of merchant bankers. What are the guidelines issued by
Securities and Exchange Board of India (SEBI) for merchant banking services?
Role of merchant
bankers
Guidelines
issued by SEBI for merchant banking services
Answer: Following are the key financial services
provided by merchant bankers:
Ø Project counselling –
Project counselling includes preparation of project reports, deciding upon the
financing pattern to finance the cost of the project and appraising the project
report with the financial institutions or banks. This also includes filling up
of
5
“CRR and SLR are maintained by commercial banks as percentage based on net
demand and time liabilities (NTDL)”. Elucidate this statement.
Answer: Statutory Liquidity Ratio (SLR)
Commercial banks
have to maintain liquid assets compulsorily in the form of cash, gold and
unencumbered approved securities equal to not less than 23 percent of their Net
Demand and Total Liabilities (NDTL) under Section 24 of the Banking Regulations
Act, 1949. This is referred to as SLR. The RBI has powers to change SLR with a
minimum at its discretion and a maximum of
6
Explain the role of modern technology in banking giving examples and/or citing
cases.
Role of modern
technology in banking with examples and cases
Answer: The
banking sector has embraced the use of technology to serve its client’s faster
and also to do more with less. Emerging technologies have changed the banking
industry from paper
Get fully solved assignment. Buy online from website
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