BANKING 3RD SEM - SMU MBA SOLVED ASSIGNMENTS

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MA0045 & BANKING MANAGEMANT


Qus:1 Banking accepts deposits of money from public for the purpose of lending and investment. Based on this explain the principles of banking and payment system constituent.
•         Explanation of principles of banking
•         Explanation of payment system constituent
Answer:
Explanation of principles of banking:
The five principles of banking on which a bank

Qus:2 To reach a destination, a definite plan is required. Business planning creates definite strategies. Give the introduction of business planning and targeting. Write down steps involved in the process of business planning and targeting and explain the planning tools and methods put in analysis.
•         Introduction of business planning and targeting
•         Steps involved in the process of business planning and targeting
•         Planning methods and tools
Answer:
Introduction of business planning and targeting:
Business planning is a process of creating definite strategies in line with the mission or the goal of a bank. The process of business planning covers each aspect of operation and focuses on all functions of the bank. The

Qus:3 Banks accepts deposits and deposits are repayable to the depositors through the proceeds of investment and loans. You are supposed to explain the need for credit policy with bank rates. Also explain the credit process.
•         Explanation of need for credit with bank rates
•         Explanation of credit process
Answer:
Explanation of need for credit with bank rates:
The commercial banks are required to provide credit for productive purposes so as to support the growth of the national economy. Before nationalisation, bank's credit was concentrated on large business houses as it was controlled by them. The bank funds were locked in big houses, and they suffered from high credit risk. The commercial banks were compelled to extend a minimum level of credit


Qus:4 Write short notes on:
a) Interest rate risk
b) On-balance sheet adjustment
c) Off-balance sheet adjustment
Answer:
Explanation of interest rate risk:
Interest rate risks affect the market value of equity of a bank and it’s NII. The focus to increase the NII will be addressed by banks from a short-term view and the improvement of market value of equity from a long-

Qus:5 What do you understand by forfaiting? Explain on Forfaiting an export finance option. Write the benefits of exporters from forfaiting.
•         Meaning of forfaiting
•         Explanation of forfaiting an export finance option
•         Explanation of benefits of exporters from forfaiting
Answer:
Meaning of forfeiting:
Forfaiting is a mechanism of financing exports by discounting export receivables, evidenced by bills of exchange or promissory notes, with longterm maturities, on a fixed rate basis (discount) up to 100% of the contract value.
Explanation of forfaiting an export finance option:

Qus:6 Explain Automated Teller Machine (ATMs), write the benefits of ATM. Explain the benefits of leveraging technology.
•         Explanation of ATM
•         Benefits of ATM
•         Benefits of leveraging technology
Answer:
Explanation of ATM:
ATMs have been introduced by all the banks in India. ATMs perform some of the banking functions thereby making it convenient for the customers to do certain banking transactions without even visiting a bank. ATMs of the banks have been placed in important locations across


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MA0036 & FINANCIAL SYSTEM & COMMERCIAL BANKING
BK ID-B1770
CREDITS-4
MARKS-60


Q1. Financial system is a set of inter-related economic activities working together to achieve economic development. Explain the significance, characteristics, need and importance of financial system.
(Significance of financial system, Characteristics of financial system, Need and importance of financial system) 3, 3, 4
Ans.
Significance of financial system
The term financial system is a set of inter-related economic activities working together to achieve economic development. It includes different markets, institutions, instruments, services and mechanisms that influence the generation of savings, investment, capital formation and growth. According to Robinson, the primary function of the

Q2. Money market is one of the type of financial market. Explain the features of money market and write the constituents of money market.
(Features of money market, Constituents of money market) 5, 5
Ans.
Features and constituents of money market:
Money market covers financial assets which are close substitutes for money and the money as well.
The money market performs the following main functions:
•         To provide a method and system to fulfil the demand and supply of short-term funds.
•         To provide a tool to manage the liquidity and interest rate in the economy.
•         To provide acceptable access to investors and borrowers of short-term funds to accomplish their borrowing necessities and making investments at an efficient market

Q3. Write short notes on:
a) Commercial Banks
b) Cooperative Banks
c) Post office
(Explanation of commercial banks, Explanation of cooperative banks, Post office) 3, 4, 3
Ans.
a) Commercial Banks
Commercial banks are the largest financial intermediaries. The intermediation is the process of linking savers as well as investors and those who make use of funds for developing their business. Banking institutions in India have played a predominant role in augmenting savings from the public and helping the economy in channelising the same for

Q4. The business of commercial banks deals with Liability products and asset products. Explain the important features of liability products.
(Important features of liability products and explanation of all) 10
Answer:

Q5. Explain the Chore committee recommendations and also write about the challenges and issues of financial reforms.
(Chore committee recommendations, Challenges and issues of financial reforms) 5, 5
Answer:
Chore Committee Recommendations:

The quality of lending improved considerably but the cash credit system continued to pose few difficulties. Bifurcation of working capital limit in two parts as demand loan and a fluctuating cash credit component, as suggested by Tandon Group, was not done by many banks. It was, therefore, considered necessary by Reserve Bank to review the system of cash credit in all its aspects and for this purpose a 'Working Group' headed by Sh. K. B. Chore was appointed in 1979. The terms of reference to the


Q6. Explain the perspectives in retail banking and perspectives in Regulation.

(Explanation of perspectives in retail banking, Explanation of perspectives in regulation) 5, 5
Ans.
Perspectives in retail banking:
The growth is very hard to find as the revenue of the business is always under intense pressure and due to the increasing cost in every business. The following four forces are proving this point:
•         There is more unemployment problem due to


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MA0037 & BANKING RELATED LAWS & PRACTICES

Qus:1 Bank accepts different types of deposits and based on this you will have to answer these. Explain the acceptance of deposits. Write about the maintenance of cash reserves.
•         Explanation of acceptance of deposits
•         Explanation of maintenance of cash reserves.
Answer:
Explanation of acceptance of deposits:
Banks accept different types of deposits. The nature of deposit accepted could be either time deposit or demand deposit. Time deposits are payable after the expiration of the period for which

Qus:2 What do you understand by contract of guarantee? Write the differences between contract of indemnity and contract of guarantee. Explain the essential features of a contract of guarantee.
•         Meaning of contract of guarantee
•         Differences between contract of indemnity and contract of guarantee
•         Essential features of a contract guarantee
Answer:
Meaning of contract of guarantee:
Contract of guarantee is a contract to perform the promise, or discharge the liability, of a third person in case of his default. The person who gives the guarantee is called the ‘surety’, the person in respect of whose default the guarantee is given is called the ‘principal debtor’ and the


Qus:3 Explain the appointment of adjudicating authority, procedure for adjudication Foreign Exchange Management Act (FEMA). Write the differences between contravention and compounding.
•         Explanation of adjudicating authority
•         Explanation of procedure for adjudication
•         Differences between contravention and compounding
Answer:
Explanation of adjudicating authority:
For the purpose of adjudication under Section 13, the Central Government may, by an order published in the Official Gazette, appoint as many officers of the Central Government as it may think fit, as the adjudicating authorities for holding an inquiry in the manner prescribed after giving the person alleged to have committed contravention under Sec 13, against whom a


Qus:4 Explain the establishment of consumer disputes redressal agencies and write about composition of district forums and Jurisdiction of district forum.
•         Explanation of consumer disputes redressal agencies
•         Explanation of composition of district forums
•         Explanation of jurisdiction of district forum
Answer:
Explanation of consumer disputes redressal agencies:
For resolving and dealing with the consumer complaints, different forums are established at district level, state level and national level. The compositions of these forums have been laid down differently. They have different jurisdictions, powers and they have to work and deal with


Qus:5 Write the purposes of disciplinary sanctions for breach of the code. Write the internal procedure guidance. Give the differences between banking ombudsman and Banking Codes and Standards Board of India (BCBSI).
•         Explanation of breach of code
•         Explanation of internal procedure guidance
•         Difference between banking ombudsman and BCBSI
Answer:
Explanation of breach of code:
Failure to comply with or fulfil any commitment/s or any obligation/s, in full or in part thereof, under the Code or these Rules shall constitute a breach. The purposes of disciplinary sanctions for breach of the Code or

Qus:6 Write the loan policy of RBI given to co-operative banks. Give the important guidelines from RBI on deposits.
•         Explanation of loan policy of RBI
•         Guidelines from RBI on deposits
Answer:
Explanation of loan policy of RBI:
The Reserve Bank of India is empowered to guide in the framing of the loan policy to be followed by the co-operative banks in general or by any cooperative bank in particular. In this respect, RBI may issue


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MA0039 &  RETAIL BANKING
BK ID B1619
CREDITS  4
MARKS 60
Q1 Explain the reasons for retail growth- An analysis. Give the advantages of retail banking. Explain the barriers to the development of banking sector in India.
(Explanation of reasons for retail growth-an analysis, Advantages of retail banking, Explanation of the barriers to the development of banking sector in India)3,3,4
Answer.
Reasons for retail growth-an analysis
1.      Economic prosperity and the consequent increase in purchasing power have given a boost to a consumer boom. Note that during the 10 years after 1992, India’s economy grew at an average rate of 6.8 percent and continues to grow at

Q2.
Write short notes on:
a) Door step Banking
b) Mobile Banking
 (Door step banking, Mobile Banking)4,6 
Answer.
a) Door step Banking
Customers demand for services is such that banks need to provide banking service at their place of residence. Phone banking has been developed in banks to cater to such requirements of the customers. Through phone banking, a

Q3 Explain about the types of customers in retail banking. 
Individuals
•         Joint account holder
•         Sole proprietor
•         Partnership
•         Karta 
Answer.
Joint account holder
Two persons can open a joint account with a bank. Bank is required to obtain clear operational instructions from the joint account holders. The account can operated
Jointly – account operated jointly by

Q4. Explain about cheque and its features. Explain the aspects on which a banker has to verify.
 (Explanation of cheque and its features, Explanation of aspects on which a banker has to verify)3,7
Answer.
Ccheque and its features
Cheques are the main instruments, which are used in settlement of money transactions. When a cheque is presented for payment, a banker is required to verify whether the cheque is in order before effecting payment.  According to section 6

Q5. Explain about clearing cheque and its features. Explain about Inter Bank Settlements.
(Explanation of clearing cheque, Explanation about Inter bank settlements)5,5
Answer.
Clearing cheque
Cheques are used as instruments to settle business transactions. One customer draws a cheque in favour of another customer and hands over   the cheque in settlement of his dues arising out of a business transaction. The person who draws the cheque is called 'drawer' and the person in whose favour the cheque is drawn is called 'payee'.  The payee


Q6. Explain on Leveraging Technology. Write about Product and process innovation. Also write down on Technology Vs Global competition.
(Explanation on leveraging technology, Explanation on product and process innovation, Explanation on Technology Vs Global competition) 3,5,2
Answer.
 Leveraging technology
The implementation of technology in banks has prompted them to leverage technology to a maximum extent to offer services through multiple channels. Both banks and customers are benefited through leverage of technology. Other than traditional banking, banks are able to offer new products and services through leverage of technology and include, ATM

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