Sikkim-Manipal University of Health Medical and Technological Sciences (SMUHMTS) 2007 M.B.A MA 0030 - RETAIL BANKING - Assignments for2009 spring session - Question Paper

ASSIGNMENT
MBA – III SEMESTER
SUBJECT: RETAIL BANKING
CODE: MA 0030- two CREDITS
MAXIMUM MARKS: 30
ans the subsequent ques. and every ques. carries 10 marks.

1.What is Retail Banking? Why did it presume greater importance in the banking industry now?
State the salient features of retail banking.

2.What are the eligibility criteria, documentation and repayment terms with respect to personal loans granted by retail banks to a salaried employee?

3.A) discuss the most common credit scoring model adopted by retail banks. (5 Marks)


B) Ram has invested Rs.1,00,000 in Good Luck Bank for 2 years carrying interest
at 12% per annum and the deposit is due for maturity on twelfth July, 2008. The rate of interest prevailing on the date of maturity is 10%. If the rate of interest on the date of renewal is 8%, Indicate:
a) The rate of interest, if FD is renewed on 24th July, 2008
b) The rate of interest, if FD is renewed on 28th July, 2008
c) Rate of interest if the FD is not renewed
d) Rate of interest if the FD is renewed for 2 years on the date of maturity in the name of his son. (5 Marks)











ASSIGNMENT
MBA – III SEMESTER
SUBJECT: RETAIL BANKING
CODE: MA 0030- two CREDITS
MAXIMUM MARKS: 30
NOTE: ans the subsequent ques. and every ques. carries 10 marks.

1.Describe cost plus margin deposit method and Marginal Costing Deposit Pricing methods of pricing the deposits. Which method do you obtain more relevant?

2.What is CRM in banking? discuss how beneficial CRM from the point of customers and management of banks to achieve higher level of performance efficiency.


3.A) discuss the various kinds of Electronic Banking (5 Marks)

B) Bank of Surplus requires that its savings account depositors maintain a minimum
Balance of Rs.5,000. The services offered costs the bank Rs.3 per depositor per
month, and the bank estimates a monthly cost of Rs. two per depositor in
over head expenses. The bank requires a minimum profit of Rs.2 per month on
such transactions.
a) What should be the monthly fee that the bank charges its savings account customers?
b) The bank further estimates that it saves about two percent in operating expenses for every Rs.1000 held as deposits above the minimum balance of Rs.5000. What would be the improper fee for a customer holding an avg. minimum deposit of Rs.20000?
(5 Marks)

Earning:   Approval pending.