Instructions:

1. Finance students strength 26 is divided into 7 teams, first 5 teams consist 4

students. (Last two team contains 3 students – assignments weightage is designed
accordingly).
2. Write answers in paper and ways / methods of submission will be intimated soon.
3. Last date for submission: 7th April 2020.

First Team
1. What is Non-scheduled banks? Give examples.

2. Brief the role of Narasimhan Committee

3. Write a short note on second phase of Reforms

4. List out various objectives of KYC

5. Brief preventive vigilance of RBI

6. Brief the importance of ALM

7. The first bank of India at the year 1786 is ______________

a) Bank of Hindustan b) Imperial Bank c) Presidency Bank d) The General
Bank of India

8. Oldest commercial bank exist in India is ____________

a) OBC b) SBI c) Imperial Bank d) Corp Bank

9. Two Examples for RRB are _____________ and _____________

10. Asset Liability Management (ALM) can be defined as a mechanism to address the
____ faced by a bank
a) Profit b) Loss c) Functional Efficiency d) Risk
Team 2
1. What is fee based services of commercial banking? Give Examples.

2. What is fund based services of commercial banking? Give Examples.

3. Give a diagram which represent credit appraisal process of bank

4. Enumerate various properties of Negotiable Instruments

5. Money laundering Means

a) Conversion of assets to invest laundromats
b) Conversion of money which is illegally obtained to make them legitimate
c) Conversion of cash into gold to make them legitimate
d) Conversion of assets into cash to make them legitimate

6. Asset Liability Management (ALM) can be defined as a mechanism to address the

____ faced by a bank
a) Profit b) Loss c) Functional Efficiency d) Risk

7. ________ of the following is not internal monitoring mechanism

a) KYC b) ALM c) Preventive Vigilance d) None of them

8. Which of the following is retail fee based service?

a) Portfolio management b) Leasing c) Letter of Credit d) Merchant
Banking

9. Which of the following is corporate fee based service?

a) Bank Guarantee b) Safe Deposit Lockers c) Utility bills payment d)
Microfinance

10. ____________ is the process of a customer lies in assessing if that customer is

liable to repay the loan amount in the stipulated time, or not.
a) Debt appraisal b) Credit appraisal c) Credit Rating d) Capacity Building
Team 3
1. Bring out the difference between BOE and Promissory note.

2. List out the objectives of Banking Regulations Act

3. List of challenges in rural banking.

4. Brief the loan of banks in financial inclusion.

5. Why financial inclusion is necessary?

6. As per the negotiable instruments act, the term negotiable means?

a) Money b) Transferable c) Bargaining d) Immovable asset

7. Which of the followings is not the negotiable instruments?

a) Currency Note b) Promissory Note c) Bill of Exchange d) Cheques

8. Which of the following is/are permitted business Banking Regulation Act

a) Acting as agents on behalf of government
b) Contracting for public and private loans and issuing the same.
c) Undertaking and executing trusts.
d) All of the above

9. Increasing the accessibility of banking services to the poor in a commercially

sustainable manner is known as ___________ objective of bank.
a) Financial intermediation b) Poverty Alleviation c) Growth Contribution d) Prime

10. Who is/are sponsors for regional rural bank?

a) Central Government b) State Government c) Sponsor Banks d) All of the above
Team 4
1. Study of Banking Financial Statement

2. Write a brief note on Credit to deposit ratio

3. Write a brief note on Non-performing asset ratio

4. List out various provisioning related to NPA

5. Enumerate various impact of NPA on Banking Sector

6. List out various measures to reduce NPAs

7. The main objectives of cooperative banks is________

a) To unite people
b) To bring harmony
c) To prevent people from debt trap of money lenders
d) To bring rural into mainstream economy.

8. ____________ ratio indicates how much of the advances lent by banks is done
through deposits.
a) Credit to deposit ratio b) Capital adequacy ratio
c) Non-performing asset ratio d) Provision coverage ratio

9. A bank's capital ratio is the ratio of qualifying capital to risk adjusted (or weighted)
assets is __________
a) Credit to deposit ratio b) Capital adequacy ratio
c) Non-performing asset ratio d) Provision coverage ratio

10. __________ is a measure that indicates the extent to which the bank has provided
against the troubled part of its loan portfolio.
a) Credit to deposit ratio b) Capital adequacy ratio
c) Non-performing asset ratio d) Provision coverage ratio
Team 5
1. Write short note on Liquidity Risk and Interest Rate Risk

2. Write short note on Market Risk and Credit or Default Risk

3. Write short note on operational risk of bank.

4. Write a short note on Retail banking Products

5. Write a brief note on Basel – I Norms

6. ______ is one which does not reveal any problems

a) Standard Assets b) Sub-standard Assets c) Doubtful Assets d) Loss Assets

7. Assets which has remained NPA for more than 12 months is known as __________
a) Standard Assets b) Sub-standard Assets c) Doubtful Assets d) Loss Assets

8. ___________ is the risk that a bank may be unable to meet short term financial
demands
a) Liquidity Risk b) Interest Rate Risk c) Market Risk d) Credit or Default
Risk

9. ___________ is the possibility of a loss arising in either the Banking or Trading Book.

a) Liquidity Risk b) Interest Rate Risk c) Market Risk d) Operational Risk

10. ___________ is a risk of loss resulting from inadequate or failed internal processes,
people and systems or from external events.
a) Liquidity Risk b) Interest Rate Risk c) Market Risk d) Operational Risk
Team 6
1. Write a brief note on Basel – II Norms

2. Write a brief note on Basel – III Norms

3. List out various functions of back office of bank treasury.

4. List out various functions of Integrated Bank Treasury

5. To calculate capital adequacy ratio, the banks are required to take into account which
of the following risks?
a) Credit risk and Operational risk b) Credit risk and Market risk
c) Market Risk and Operational Risk d) Credit Risk, Market risk and Operational risk

6. As per the Basel III implementation in India, minimum Tier 1 capital must be _____ %
of risk weighted assets on ongoing basis
a) 5.5% b) 7% c) 9% d) 11%

7. Which of the following statements is not correct regarding Basel III implementation in
India?
a) Minimum Tier 1 capital ratio should be 8%
b) Maximum Tier 2 capital should be 2%
c) Minimum total capital ratio should be 9%
d) Minimum total capital ratio plus capital conservation buffer should be 11.5%

8. Managing the investment and market risks as per the instructions of the asset-liability
committee (ALCO) of the bank is the responsibility of ______
a) Front Office b) Mid Office b) RBI Office d) Back office

9. Main duty of treasury department of bank is ______

a) Saving Fund b) Raising Fund c) Investing Fund d) both b) & c)

10. Simultaneous buying and selling of the same type of assets in two different markets
in order to make profit less risky is known as __________________
a) Statutory Reserve Management b) Arbitrate:
c) Risk management d) Derivatives
Team 7
1. Write a short note on interest spread.

2. Explain - Why ALM is needed in banking?

3. Give a brief note on various quantitative credit control measures of RBI

4. Give a brief note on various qualitative credit control measures of RBI

5. Brief various functions of RBI from commercial bank’s point of view

6. Write a short note on Retail banking Products

7. Asset Liability Mismatches can be reduced through use of derivatives in treasury

operations because
a) Derivatives can be used t hedge high value transactions
b) It can also minimize aggregate risk in Asset liability Mismatches
c) a) and b) both
d) None of these

8. ALM in bank signifies ____________

a) Asset Liability Management b) Asset Liability Maturity
c) Asset Liability Mismatch d) Asset Liability Manpower

9. The goals of monetary policy do NOT include the promotion of ________.

a) Maximum employment b) Low Taxes
c) Stable Prices d) Moderate long-term interest rates

10. The main objective of monetary policy in India is_______:

a) Growth with Stability b) Reduce Poverty and Achieve Stability
c) Overall Monetary Stability d) None of These