Thursday, 9 February 2017

ma0039 smu mba fall 2016 (jan/feb 2017 exam) IIIrd sem assignment

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DRIVE
FALL 2016
PROGRAM
MBA
SEMESTER
III
SUBJECT CODE & NAME
MA0039 &
RETAIL BANKING

1 What is a garnishee order? Does it differ from an Income-tax Attachment order?
Garnishee Order
Differentiate with an IT Order

Answer: Garnishee Order
A garnishee order is an order issued by the court in favour of judgment creditor attaching the funds of judgment debtor lying with the third party. Here three parties are involved, they are:
·         Judgment creditor
·         Judgment
·          


2 Write a note on collection of trade bills.
Illustrate a popular third party product offered through the banking channel.
Collection of trade bills
A popular third party product offered through the banking channel

Answer: Collection of Trade Bills
Banks help in commercial transactions by helping parties involved in trade to settle their dues. The traders (both seller and buyer) believe that the receipt and payment of money for the goods is assured


3 “Handling of negotiable instruments are important activities of commercial banks”. Elucidate the statement.
“Handling of negotiable instruments is an important activity of commercial banks”. Elucidate the statement.

Answer: Negotiable instruments are principal instruments for making payments and discharging business obligations. These are transferable documents and regulated through laws contained in the Negotiable Instrument Act, 1881.According to Section 13 of Negotiable Instrument Act (NI Act), a “


4“Settlement of claims needs expertise and acumen” Explain giving illustrations.
“Settlement of claims needs expertise and acumen” Explain giving illustrations.

Answer: As the volume of business increases, correspondingly the claims against banks also increase. The claim may relate to wrong entry in the passbook, claim by the nominee on the death of depositor, claim against wrongful dishonour of cheque by the bank, claim against forgery committed in customer’s account. Claim against banks is a never ending process and banks need to handle them tactfully to redress customer’s grievances amicably. The officer in charge of the department duly

5 Write a case study on phishing in a commercial bank.
Case study on instance of phishing in a commercial bank

Answer: Case Study: ICICI Bank Phishing
Did you know that e-mails, long considered the most convenient form of communication, can actually spring some nasty surprises for you? Recently, a few ICICI Bank customers in Mumbai, to their utter dismay, discovered that e-mails can be extremely hazardous, if not to their health, at least to

6 Explain the five principles of lending.
The five principles of lending

Answer: Commercial banks lend deposits collected from public. To avoid risks and to ensure safety of these funds, banks are required to adhere to the principles of lending. There are basically five principles of lending which are considered as significant. They are safety, liquidity, profitability, purpose and

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