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DRIVE
Spring
2018
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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DRIVE
SPRING 2018
PROGRAM
MBA
SEMESTER
III
SUBJECT
CODE &
NAME
MA0037
&
BANKING RELATED
LAWS AND PRACTICES
Q1.
How does Holder and Holder in due course in a negotiable instrument differ ?
What
do you understand by payment in due course ?
Difference
between Holder and Holder in due course
Payment
in due course
Answer:
Section 8 states that "the holder of a
promissory note, bill of exchange or cheque means any person entitled in his
own name to the possession thereof and to receive and recover the amount due
thereon from the parties thereto
2 Explain how you will proceed to
confiscate a property under equitable mortgage as per Sarfaesi Act, 2002 in
case of failure of loan repayment.
Enforcement
of security as per Sarfaesi Act, 2002
Answer: The SARFAESI Act empowers banks
and financial institutions to enforce securities in the event of default by the
borrower without the intervention of either the Civil Court or the Debt
Recovery Tribunal. The powers are also over and above the remedies available
for recovery by filing appropriate
3 Explain the rights of parties to a
contract of guarantee.
Rights
of parties to a contract of guarantee
Answer: Rights of Parties in a Guarantee
1.
Rights of Surety – The surety has
right against the creditor, the principal debtor and the co- sureties.
Right against the creditor
Q4. What are the different types of
mortgages under Sec. 58 of the Transfer of Property Act, 1882 ?
Different types of mortgages u/s 58 of
the Transfer of Property\ Act,1882
Answer:
Mortgages and
Charges
A Mortgage is the transfer of an
interest in specific immovable property for the purpose of securing the payment
of money advanced or to be advanced by way of loan, an existing or future debt,
or the
5 Explain the procedure for redressal of
grievances under banking Ombudsman Scheme 2006.
Redressal
of grievances under banking Ombudsman Scheme
Answer: The Banking Ombudsman shall have the following powers and duties:
Ø To
receive complaints related to banking services.
Ø To
consider such complaints and facilitate their satisfaction or settlement by
agreement through conciliation and mediation between the bank and the aggrieved
parties or by passing an award in accordance with the scheme.
Ø To
resolve by way of
Ø
6 What do you understand by banking
Codes and Rules? How are the codes applied?
Application
of banking codes and rules
Answer: The RBI while announcing the
formation of BCSBI in the Annual Policy Statement has requested the IBA to set
up a working group to draft a comprehensive fair practice code, covering all
the areas of customer service for uniform adoption by banks. Working group
prepared the draft Banker’s Fair Practices Code, after taking suggestions from
member banks and submitted the same to BCSBI. The BCSBI made refinements to the
Code and finally brought out the ‘Code of Bank’s Commitment to Customers
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DRIVE
SPRING 2018
PROGRAM
MBA
SEMESTER
III
SUBJECT
CODE &
NAME
MA0038/MA0045
&
BANKING
MANAGEMENT
1 How do the commercial banks assess
business potential region-wise or location-wise? Explain the concept of
transfer pricing between different business units or branches.
Assessment
of business potential region-wise of location-wise
Transfer
pricing between different business units or branches
Answer: Assessment of Business Potential
Banks
need to assess the business potential of each and every region/location in
order to work out the targets for business. Statistical information available
from reliable sources, past performance of
2 Explain the applicability of marketing
mix for banks in India.
Applicability
of marketing mix in banks
Answer: Marketing Mix is one of the key
concepts in modern marketing theory. It is defined as “the set of marketing
tools that the firm uses to pursue its marketing objectives in the target
market.” While “4 Ps” concept has been used successfully in product marketing,
it is considered inadequate in service marketing. The service marketing theory
is strengthened by a set of additional “
3 External Commercial Borrowing has
become a popular method of raising finance for businesses in India. Do you
agree? Substantiate with facts.
Do
you agree that External Commercial Borrowing is now a popular method of raising
finance for businesses in India? Substantiate with facts.
Answer: An external commercial
borrowing(ECB) is an instrument used in India to facilitate the access to
foreign money by Indian corporations and PSUs (public sector undertakings).
ECBs include commercial bank loans, buyers' credit, suppliers' credit, securitised
instruments such as floating rate notes and fixed rate bonds etc., credit from
official export credit agencies and commercial borrowings from the private
sector window of multilateral financial
4 “The volume, mix and cost return of
both liabilities and assets need to be planned and monitored in order achieve
the short term and long term goals of banks.” Critically explain this
statement.
Asset
and Liability Management Strategy
Answer: Asset Management Strategy
Some
of the banks, because of their wide network and marketing skills, were able to
steadily increase their deposits on a regular basis which helped them to show a
growth percentage on a year-on-year basis. In such banks, the main issue for
the management was to decide on the method by which they can increase their
asset base in order to increase their profitability
5 What are the different valuation
procedures followed by the acquiring company in case of acquisition/merger that
assists in arriving at different benchmark price estimates?
Valuation
procedures to arrive at different benchmark price estimates.
Answer: There are varieties of
valuation procedures available in the market which assists in arriving at
different benchmark price estimates.
The controlling interest value
It
is the value of the entity as a whole assuming that the share is freely and
includes a control premium. The control premium is dependent on the control
interest which dominates the minority interest.
Non-
6 Illustrate the guidelines for FDI in
banking sector in India. Explain the procedure for opening of branches by
foreign banks in India.
FDI
in banking sector in India
Procedure
for opening branches by foreign banks in India
Answer: In the private banking sector
of India, FDI is allowed up to a maximum limit of 74 % of the paid-up capital
of the bank. On the other hand, Foreign Direct Investment and Portfolio
Investment in the public or nationalized banks in India are subjected to a
limit of 20 % in totality. This
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DRIVE – Spring 2018
PROGRAM - MBADS
(SEM 3/SEM 5) MBAFLEX/ MBA (SEM 3)
SUBJECT CODE &
NAME - MA0039 & RETAIL BANKING
BK ID - B1619
CREDITS- 4
MARKS – 60
Q1.
What is a garnishee order ? Does it differ from an Income-tax Attachment order
? 6, 4
Ans: Garnishee Order: A
garnishee order is an order issued by the court in favour of judgment creditor
attaching the funds of judgment debtor lying
Q2.
Write a note on collection of trade bills. Illustrate a popular third party
product offered through the banking channel. 6, 4
Ans: 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 because of the involvement of banks as a collection agent.
Following documents are involved in a trade
Q3.
“Handling of negotiable instruments are important activities of commercial
banks”. Elucidate the statement. 10
Ans: Handling Negotiable Instruments: 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 “Negotiable instrument means
a promissory note, bill of exchange or cheque payable either to order or
bearer.” Justice K. C. Willis defines
Q4.
“Settlement of claims needs expertise and acumen” Explain giving illustrations.
10
Ans:
A person who is nominated by the depositor is called
’nominee’. On death of the depositor, a nominee can claim the balance in the
depositor’s account by submitting ID proof and death certificate of the depositor
to the banker. Nomination makes it
Q5.
Write a case study on phishing in a commercial bank. 10
Ans: 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 their
security. These ICICI Bank customers received an e-mail from someone who
posed as an official of the bank and asked for sensitive information
like the account holder's Internet login name and password and directed
them to a Web page that resembled the bank's official site. When some
customers wrote in to find out what the e-mail was about, the bank officials
registered a complaint with the police. New as it may be in India, it is
actually a popular banking scam
Q6.
Explain the five principles of lending. 10
Ans: Principles of lending: 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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