MA0038 – BANKING OPERATIONS

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ASSIGNMENT

 

 

 

Note: Answer all questions. Kindly note that answers for 10 marks questions should be approximately of 400 words. Each question is followed by evaluation scheme.

 

Q.1 Compare and contrast the financial services offered by  SBI and ICICI bank

 

Ans: SBI :

The Internet banking portal of our bank, enables its retail banking customers to operate their accounts from anywhere anytime, removing the restrictions imposed by geography and time. It’s a platform that enables the customers to carry out their banking activities from their desktop, aided by the power and convenience of the Internet.

 

Using Internet banking services, you can do the

 

 

Q.2 Discuss the transfer pricing in Indian banks.

 

Ans : Transfer pricing process :

 

Transfer pricing (TP) is a process used in banking to measure the performance of different business units of a bank. A bank could have different kinds of business units. Most important units are deposit-raising units and funds-advancing units. The former borrows funds from surplus units while the latter lends the same funds to deficit units. Both borrowing and lending contributes to the performance of the bank as a whole. FTP is a mechanism to measure the relative contributions to the bank’s profitability and hence

 

 

 

Q.3 Discuss the reasons for RBI to move to base rate instead of BPLR. Quote the present  base rates of SBI and ICICI bank.

 

Ans : Reasons for RBI to move to base rate instead of BPLR :

 

RBI has recommended that the BPLR system be replaced by a base rate system below which no lending can be done. This recommendation comes in the backdrop of the BPLR system failing to achieve what it was originally intended for – transparency in lending rates charged by banks. The report submitted by the working group indicates that in the current system, the BPLR did not have a bearing with the existing market conditions

 

 

 

Q.4 Discuss Asset strategy, Liability strategy and Asset Liability Management strategy .

 

Ans : Asset strategy: 

 

Banks are a vital part of the global economy, and the essence of banking is asset-liability management (ALM). This book is a comprehensive treatment of an important financial market discipline. A reference text for all those involved in banking and the debt capital markets, it describes the techniques, products and art of ALM. Subjects covered include bank capital, money market trading, risk management, regulatory capital

 

 

 

Q.5 Trace the history of RBS bank (merger story). Where is its head office located? List out the

locations of RBS bank branches in India.

 

Ans : History :

 

By 1969, economic conditions were becoming more difficult for the banking sector. In response, the National Commercial Bank of Scotland merged with the Royal Bank of Scotland. The resulting company had 662 branches. The merger resulted in a new holding company, National and Commercial Banking Group Ltd. The English and Welsh branches were reorganised, until 1985, as Williams & Glyn’s Bank, while the Scottish

 

 

 

Q.6 Discuss CAMELS rating .

 

Ans : CAMELS rating :

 

The CAMELS ratings or Camels rating is a supervisory rating system originally developed in the U.S. to classify a bank’s overall condition. It’s applied to every bank and credit union in the U.S. (approximately 8,000 institutions) and is also implemented outside the U.S. by various banking supervisory regulators.

The ratings are assigned based on a ratio analysis of the financial statements, combined with on-site examinations made by a designated supervisory regulator. In the U.S. these supervisory regulators include the Federal Reserve, the Office of the

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