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INTERNAL
ASSIGNMENT APPLICABLE FOR APRIL 2020 EXAMINATION
Treasury Management in Banking
1. Explain yield
curves with the help of India GOI bond yield curve. Explain the relationship
between the bond prices, yield and duration. (10 Marks)
2. Explain duration
GAP analysis in banks. Calculate the duration Gap of the following excerpts
from the balance sheet of a bank. Also calculate the impact on the equity of
the bank in the different interest rates scenarios.
Balance Sheet for
Hypothetical Bank Particulars Assets Duration Liabilities Duration Current
Assets 500 5 years Current Liabilities 400 6 Years Fixed Assets 400 Other Liab.
300 900 Equity 200 900
Scenarios for Impact
analysis:
1. Interest rates
increased by 1%
2. Interest rates decreased
by 1%
(10 Marks)
3. Case Study:
PMC Bank, which has
lately been in the news for fraudulently extending loans to Housing Development
& Infrastructure Ltd (HDIL), imperiling deposits of numerous customers, is
just the latest in a series of cooperative banks that have been placed under
restrictions by the RBI. As of March 2019, 26 urban cooperative banks (UCBs)
were placed under directions of the central bank for putting depositors at
risk, thanks to mismanagement or fraud. PMC Managing Director Joy Thomas has
admitted to hoodwinking the auditors, bank’s board and the RBI for many years
by concealing the default on loans to the tune of Rs. 6,500 crore taken by real
estate firm Housing Development and Infrastructure Ltd (HDIL).
This means operations
are restricted deposits are stuck lead to chaos among depositors for their hard
earned deposits.
a. What are the
various risk faced by the banks? Elaborate how risk management norms (Basel
norms for e.g.) being provided by RBI can help avoiding such situations.
(5 Marks)
b. What are the
reasons that such default happened in PMC bank? Do you think this can be
avoided if proper risk management has been implemented by the bank or RBI? (5
Marks)
Insurance & Risk Management
1. India has one of
the lowest Insurance penetration rates in the world. Given this fact, if you
were to take over as the CEO of a brand new private sector Insurance company
“WeEnsureYou” that is about to commence its operations Shortly. Present an
article in front of the board members on the future of health Insurance market
in India and how this company would contribute itself in creating awareness
among the people about the health insurance. (10 Marks)
2. Kiran is appointed
as a life Insurance Agent in a renowned Insurance company. In order to acquire
and expand her client base she is required to prepare a presentation on the
needs for buying life insurance policy. Discuss the Needs for buying the life
Insurance Plan in her presentation. (10 Marks)
3. Shyama after
completing her MBA from a renowned college got placed as an assistant manager
in a Risk Management Department of an Insurance firm.
a. Shyama’s manager
ask her to give a short presentation on the concept of Risk Management. (5
Marks)
b. She is required to
discuss the various techniques of Risk Management. Help Shyama with the same.
(5 Marks)
International Banking & Foreign Exchange Management
1. An export company
in India had already issued equity in India and was currently listed in both
BSE as well as NSE. The company was planning to expand and have its presence in
foreign countries as well. The firm wanted to borrow funds from international
market. Suggest any five sources of funding from the international market. (10
Marks)
2. An exporter wants
to hedge his one year receivables in USD for $30 million, for which he wants to
enter into a futures contract. The spot exchange rate is USD-INR72. The futures
price for a contract having the same maturity date is ₹74. Is perfect hedging
possible with the futures contract in this case? Calculate loss or profit in
the cash and futures market if the spot price is ₹ 75 on the maturity date.
Assume lot size as 1000 units.
(10 Marks)
3. A fresh Graduate
had joined the International Banking Division of the Bank. On the first day, he
was asked by his manager to revise and understand the concepts of International
Banking. He was little confused between direct and indirect quote so he decided
to approach his manager for the same. If you are his manager explain:
a. Concept of Direct
Quote with an example (5 Marks)
b. Concept of
Indirect Quote with an example (5 Marks)
Retail Banking
1. Banking today has
become a competitive industry. Discuss how the internet and mobile banking is
ice breaker to the tradition banking industry. Highlight how internet and mobile
banking have brought digitalization in the banking Industry and is helping the
industry to pave its way to success. (10 Marks)
2. Shriram has
recently graduated from a reputed MBA college and got placed in a private sector
bank. His manager asks him to prepare a short note the different types of
lending which are carried by banks in day to day operations. Help him to
prepare his notes. (10 Marks)
3. “The test of our
progress is not whether we add more to the abundance of those who have much; it
is whether we provide enough for those who have too little.” - Franklin D. Roosevelt
Despite witnessing progressive growth in economy post liberalization, yet
nearly 75 % of the households even today are deprived to access to any
funds-institutional or otherwise. Banks play a vital role in bridging the
social divide and achieving robust and sustainable economic growth. Financial
inclusion is viewed as a promising step towards achieving financial equality
and stability.
a. Discuss the
various initiatives taken by RBI for promoting financial inclusion (5 Marks)
b. Highlight the
barriers that impends financial inclusion (5 Marks)
Cost and Management Accounting
1. Analyzing and
making decisions in relation to cost requires in-depth study of various costs
involved. The process of managerial decision making classify costs into certain
specific head so as to be precise in evaluating various business proposals. Discuss
any five such costs with relevant examples which are significant for managerial
decision making (10 Marks)
2. Standard costing
is the process where standard costs of various components and resources are
predetermined. Further, there are certain specific objectives for adopting the
standard costing techniques in management accounting, Discuss in brief, the
distinguished objectives of adopting standard costing in any organization (10
Marks)
3. Puppies and
Rabbits, a soft toy manufacturing company requires 1250 units per month, of the
soft toy named “COCO Rabbit”. The ordering cost is Rs 1000 per order. The cost of
carrying inventory is 10% per annum. The cost of manufacturing one unit of COCO
Rabbit is Rs 200
a. Determine the most
economic lot size (5 Marks)
b. The minimum total
variable cost for the economic lot size (5 Marks)
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