MA0038- BANK MANAGEMENT

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(Spring 2013)

Master of Business Administration - Semester 3

MA 0038: “BANK MANAGEMENT ”

(4 credits)

(Book ID: B1616)

ASSIGNMENT- Set 1 (Marks 60)

Note: Assignment Set -1 must be written within 6-8 pages. Answer all questions.

Q1. Describe the phases of the Indian banking system.   (10 marks) (350-400 words)

Answer : History of Banking in India

The first bank in India, though conservative, was established in 1786. From 1786 till today, the journey of Indian Banking System can be segregated into three distinct phases:

·         Early phase of Indian banks, from 1786 to 1969

·         Nationalization of banks and the banking sector reforms, from 1969 to 1991

·         New phase of Indian banking system, with the

Q2. Explain the steps that the banks need to take towards managing deposit portfolio. (10 marks)(350-400 words)

Answer : The financial crisis has changed the formula for profitably managing deposits.  The rising tide of deposits has been offset by falling rates and rising regulation-related fees. As a result, a traditional income source has eroded.

Now banks must rethink the business of gathering and managing deposits. Financial institutions have to examine how customers behave and what motivates them. Then, banks must leverage that knowledge to attract and retain a more profitable, stable deposit base. At the same time, it’s important to make cash portfolios more efficient.

Q3.Write about ALM strategy.(10 marks) (350-400 words)

Answer : For every financial institution in the world today, the need for sophisticated asset liability management (ALM) has become imperative.

Volatile global markets, proliferation of new financial products and changing regulatory environments have made asset liability management an increasingly challenging task for banks, fund managers, hedge funds and other institutions.

Q4. Explain the composition of investments (10 marks) (350-400 words)

Answer :  Now that you know about the much discussed National Pension Scheme, you must be wondering how your money will be utilised by the selected pension fund managers so that you are able to accumulate good sum of money to buy an annuity when you reach the age of 60. For the benefit of those readers who are curious to know what are the options available to them with regard to class of assets for choosing their investments. 

For both - Tier I & II accounts, you

Q5. What are the benefits of leveraging technology ?(10 marks) (350-400 words)

Answer : Today’s business climate demands that business owners use technology to a competitive advantage. In order to achieve maximum benefit from technology, owners must first have a plan that will serve as their roadmap to success. Too often companies implement technological solutions without a plan and they create islands of automation which often leads to inefficiencies. For example, a company that decides to implement a website to sell their products on the internet may not think about how the new website fits into their company’s existing technology environment. They failed to ask the question, does the

Q6. Explain CAMELS rating ?(10 marks) (350-400 words)

Answer : The CAMEL ratings system is a method of evaluating the health of credit unions by the National Credit Union Administration(NCUA). The rating, adopted by the NCUA in 1987, is based upon five critical elements of a credit union's operations:

(C) Capital

(A) Asset quality

(M) Management

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