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DRIVE - SUMMER 2015
PROGRAM - MBADS
(SEM 3/SEM 5) MBAFLEX/ MBA (SEM 3)
SUBJECT CODE &
NAME - MA0045 & BANKING MANAGEMENT
BK ID - B1616
CREDITS - 4
MARKS – 60
Q1. Illustrate the
transformation of the banking system in India in the post nationalization era.
10
Ans: Transformation of the banking system: A sound and effective banking
system in India is necessary for a healthy economy. The banking system
of a country should be able to meet the new challenges posed by external
and internal factors. The external factors are competition from global
players, new entrants from overseas, competition faced by Indian banks
in foreign soil, etc. Internal factors include
Q2. Explain the
strategies of pricing of business loans by commercial banks to enhance their
credit portfolio.(
Enhancement of credit portfolio through
pricing of business loans by commercial banks) 10
Ans:
Pricing Business Loans: Business loans form the core of
credit portfolio of banks. Banks scout for enhancement of business loans
as a strategy for growth and increase in market share. It may be noted
that the major portion of a bank’s fund is employed by way of loans and
advances, which is the most profitable employment of its funds. The
major part of a bank’s income is earned from interest and discount on
the funds so lent.
Q3. Generating
Non-interest income and monitoring expenses are key factors for growth and
profitability. What are the ratios banks use to evaluate these parameters ?(
Ratios of measurement of growth of non-interest income and monitoring expenses)
10
Ans:
Non-interest Income: Non-interest income means income
other than the interest income. This is earned through commissions,
exchanges, and service charges. The overall profitability of the bank
depends on maximisation of non-interest income and reduction of overhead
expenses. The derivatives of non-interest income are commissions charged
on cheque collection, commissions earned through non-fund credits, and
letter of credit. The exchanges charged for issue of demand draft and
electronic funds transfer and service charges are
Q4. Illustrate the
credit process of commercial banks. 10
Ans: Credit Process: Decision making with regard to
credit in a bank is all about analysing the risk involved in such
lending. In the present day, credit risk management is given more importance
in banks. The credit appraisal process requires answering two questions:
·
What
are the fund requirements of a applicant borrower and what are his credentials?
·
To
what
·
Q5.
Explain some of the money market instruments having short maturity and
promising high profitability(Short term and highly profitable money market
instruments) 10
Ans:
Money market instruments:
Banks’ investment consists of different types of instruments. They include money
market instruments which are of short maturities like treasury bills, and
negotiable certificate of deposits and commercial papers. Capital market
instruments have a longer maturity period. They include corporate bonds,
Q6. What are the
benefits derived from leveraging technology by banks in India ? 10
Ans: Benefits of Leveraging Technology: Adoption of technology will
assist in the increased entry of goods and services. Computerising
processes have made banking products and services inexpensive and easy
to use. At the same time, they have helped banks to improve operating
margins due to the processes of customisation, which allows transactions
to take place faster and reduce costs. Technology has increased the
options
Get fully solved assignment. Buy online from website
online store
or
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we will revert you within 2-3 hour or immediate
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700/sem
if urgent then
call us on 08791490301, 08273413412
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