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DRIVE
FALL
2016
PROGRAM
MBA
SEMESTER
III
SUBJECT
CODE & NAME
MA0036
&
FINANCIAL
SYSTEM & COMMERCIAL BANKING
1Explain Depository
Participant (DP) system of trading; demat and remat. Illustrate the functions
and services offered by National Securities Depository Limited (NSDL) and
Central Depositories Services Limited (CDSL).
DP system of trading; demat and remat
Functions and services offered by NSDL
and CDSL
Answer: The trading in physical segment posed many
difficulties due to handling large volumes of certificates and other problems
and activities like delays in transfer, delays in settlement stolen
certificates, forgery certificates, loss in transit, postal losses, mutilation
of certificates, including court cases, litigation, etc. In order to overcome
these problems, a new system of trading called Depository Participant (DP)
system was introduced. This system facilitates investors to hold secure
2 Explain the importance of
Call money and Treasury bills as short term money market debt instruments.
Enumerate the concept of derivatives as
money market instruments.
Importance of Call money and Treasury
bills as short term debt instruments
Derivatives as money market 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
3 Illustrate the
traditional and modern financial services provided by commercial banks
–covering both Fund based as well as Non-fund based.
Traditional and modern financial services
provided by commercial banks –covering both Fund based as well as Non-fund
based.
Answer: Traditional
and modern financial services provided by commercial banks –covering both Fund
based as well as
4 Explain the key financial
services provided by merchant bankers. Illustrate the guidelines issued by
Securities and Exchange Board of India (SEBI) for merchant banking services
Key financial services provided by
merchant bankers
Guidelines issued by SEBI for merchant
banking services
Answer:
Following are the key financial
services provided by merchant bankers:
·
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 application forms
5
“CRR and SLR are maintained by commercial banks as percentage based on net
demand and time liabilities (NTDL)”. Elucidate this statement.
“CRR and SLR are maintained by commercial
banks as a 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 40 percent. The form and manner of assets to be
maintained by scheduled commercial banks for the purpose of Section 24 of the
6 Explain the Trust theory
and Agency theory to understand the perspective of banking business.
Trust theory
Agency theory
Answer: Trust theory: Banking is a
business of trust. Bank deals with money belonging to the public. Therefore, it
is acting in a fiduciary capacity. Public confidence is a key element in trust.
If a bank is not making sufficient profit or it is not able to provide money
when a customer wants to withdraw, trusties then lost
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