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ASSIGNMENT
| DRIVE | SUMMER 2014 |
| PROGRAM | MBADS – (SEM 4/SEM 6) / MBAN2 / MBAFLEX – (SEM 4) |
| SUBJECT CODE & NAME | MA0044 – INSTITUTIONAL BANKING |
| SEMESTER | 4 |
| BK ID | B1818 |
| CREDITS | 4 |
| MARKS | 60 |
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.
Q1. Describe the evolution of institutional banking in India.
(Introduction-3 marks, Evolution- 3 marks, scope-4 marks) 10 marks
Answer.
Introduction
The Government of India initiated a series of institutions since independence to provide term finance to industry, trade and agriculture. Along with RBI and the banking system it set up IFCI (the first DFI to be set up), ICICI, IDBI, UTI, SFCs, LIC, GIC etc. All these institutions were called Development Banks or Term-lending financial institutions, and hence the term „Institutional Banking”. Further, Narasimham Committee (1991) called them as „Development Financial Institutions or DFIs‟.
Thus, Development Banks or Development Financial Institutions (
Q2. Ascertain how Reliance industries meet their financial requirements. (Financial requirements of large industries
Term loans-5 marks, Working capital-5 marks)10 marks
Answer.
Financial requirements of large industries Term loans :
Facing multiple regulatory challenges, BP Plc chief executive Bob Dudley and Reliance Industries Ltd (RIL) chairman Mukesh Ambani may meet Prime Minister Manmohan Singh on Friday to seek clarity on gas policy.
Mr Dudley’s third visit to India this year comes at a time when Oil Ministry, at the insistence of Finance Ministry, is seeking to deny his company and its partner RIL a new
Q3. SKS Microfinance Limited is a non-banking finance company, regulated by the Reserve Bank of India. SKS’ mission is to eradicate poverty by providing financial services to the poor. The company operates across 19 of 26 Indian states.
Discuss the range of products (8) and services, which have been developed based on the financial needs of working of poor women. List out the challenges.
(List of products (8) and services-8 marks, List the challenges of MFIs-2 marks)10 marks
Answer.
MFIs in India – Products and Services
Micro finance is one of the few market-based, scalable anti-poverty solutions. Microcredit is the most common product offering by MFIs. Microfinance in India is synonymous with microcredit; this is because savings, thrift and micro insurance constitute a miniscule segment of the microfinance space here.
In India, most microfinance loans are in the range of Rs. 5000 to Rs.20000 (the Development and Regulation Bill, 2007, defines microfinance loans as those with amounts not exceeding Rs.50000 in aggregate per individual/ small enterprise).
Q4. You have learnt that there is a great demand for herbal products in the United States. You decide to export herbs and you have secured a buyer for your product. Where will you obtain information about items meant for export? Describe the Methods of payment in international trade and the services that are offered.
(Export assistance-1 marks, Methods of payment-5 marks, Services-4 marks) 10 marks
Answer.
Indian shipping industry consists of shipping services by various shipping companies in India, ports in India, management of container shipping, local and international cargo or freight shipping, vessel shipping, bulk shipping and other maritime shipping services along with transport services both global and inland water transport. The Indian coastline stretches to over 6000 Kms with 12 major ports and 181 minor and medium ports. Over 90% of India’s international trade is handled by the Indian ports. The major ports in India are handled by the Ports Trust of India (PTI) that is a Central Government undertaking. The respective state governments manage the operational (139) minor ports of India. The port infrastructure of India, although being updated, is still insufficient considering the freight and cargo shipping traffic on the shipping
ports. The major players in the Indian shipping sector include Shipping Corporation of India (SCI) that is a government owned shipping company providing both coastal
Q6. Narrate the developments in institutional banking in India. Discuss how the future is expected to unfold for DFIs in India?
(Developments-5 marks, Latest challenges-5 marks)10 marks
Answer.
Developments in institutional banking in India
The creation of DFIs in India was considered a response to the emergence of industrial development as an imperative national policy. It was felt that the extant institutional framework was inadequate to effectively address the long term resource requirements of proposed industrial projects. It was generally observed that commercial banks, by the short-term nature of their deposits which they mobilize, were in a position to grant only short term credit to industry, agriculture and trade to meet their working capital requirements.
Origin of Development Banks
An attempt was made, initially in Germany, to start industrial banks, or „mixed banks‟ as they were commonly called, to give long term credit to industries. These
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Send your semester & Specialization name to our mail id :
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