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DRIVE SPRING 2016
PROGRAM MBA
SEMESTER III
SUBJECT CODE &
NAME
MA0039 &
RETAIL BANKING
1
Write notes on:
TDS
on deposits
Order
Nisi
Legal
status enjoyed by nominee
Banker’s
Lien and General Lien
Answer: TDS on deposits
The banks,
including cooperative bank are under statutory obligation to deduct income tax
on the interest payable on deposits as per Section 269 o the Income Tax Act,
1961. At present if the total interest on deposit exceeds Rs. 10000, banks are
required to deduct 10% of the interest
2
Draw a comparison of Cash Credit and Overdraft as retail asset products.
Differentiate between Indemnity and Guarantee as non-fund based products.
Similarities and
differences between Cash credit and overdraft
Differences between
Indemnity and Guarantee
Answer: Cash
credit facility is a working capital advance, sanctioned against the security
of stocks or book debts. The facility is continuous i.e., it is a ‘roll over’
facility as long as the facility is
3
“Money Laundering is a conversion of illegal money into white money”.
Illustrate the concept and explain the importance of prevention of money
laundering legislation initiated by the Govt. of India.
“Money
Laundering is a conversion of illegal money into white money”. Illustrate the
concept.
Explain the
legislative measures to prevent money laundering
Answer: The
dirty money received by anti-social activities is distributed to various
anti-social elements in the society. To curb the distribution of such money, government
of India, introduced a Section under Prevention of Money Laundering Act, 2002
[PMLA]. Section 3 of
4
Illustrate the concepts of:
a)
Marketing Mix and
b)
Market Segmentation
Answer: a)
Marketing mix is the core concept of modern marketing. According to Broadens,
the concept of marketing mix is 'the set of marketing tools that a firm uses to
pursue its marketing objectives in the target markets.’
Product
Product is the
basic tool in marketing mix. The term product could either be an item of manufacture
or rendering of a service or both. While deciding the product, the company has
to decide
5
Explain the some of the new channels of banking operations. Can you predict
some more advancement in these directions?
New channels of
banking operations
Predict some
more advancement in future
Answer: New channels of banking operations
Internet
Banking
Technology
adopted under Internet banking is an 'Internet banking system'. It interfaces
between customer’s computer and the bank's core banking system. The customer is
prevented from accessing the core banking system directly to ensure safety.
Internet banking system is also
6
Describe the concept of Inter Bank Settlements. Give examples. What do you
understand by Intra Day Liquidity? Give examples.
Explain Inter
Bank Settlements with examples
Explain Intra
Day Liquidity with examples
Answer: Inter Bank Settlements
There are two
methods of inter-bank settlement. They are net settlement and gross settlement.
Under net
settlement, individual bank's claim for and against, are grouped separately and
the net
Get fully solved assignment. Buy online from website
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