PGDM – 3rd Trimester – Finance Elective
Financial Markets and Services – E31F
ASSIGNMENT 1
(Submission – Write – Scan – Upload)
10 Marks – Considered for Grading
Answer all (2 Marks and 5 Marks) – CO1 – Course Outcome 1
1. If you were a credit manager, what factors would you check before
sanctioning a loan? 2M – CO1
2. Why are NPAs higher in Public Sector Banks compared to Private Banks?
2M - CO1
3. How does a bank manage liquidity risk? 2M - CO1
4. Why are Foreign Banks allowed to operate in India? Mention one advantage.
2M - CO1
5. What is the role of the Reserve Bank of India in regulating commercial
banks? 2M - CO1
6. A customer deposits ₹50,000 in a savings account. Which primary function
of a bank is involved? 2M - CO1
7. When a bank gives a home loan, which primary function is performed? 2M CO1
8. Name any two secondary (agency) functions of commercial banks. 2M CO1
9. If a bank issues a bank guarantee to a contractor, under which function does
it fall? 2M - CO1
10.What is meant by credit creation? 2M - CO1
11.Give two differences between Scheduled and Non-Scheduled Banks. 2M CO1
12.Why was State Bank of India classified as a Public Sector Bank? 2M - CO1
13.Mention two digital banking services offered by commercial banks. 2M CO1
14.What is the purpose of issuing a debit card? 2M - CO1
15.How does internet banking improve customer convenience? 2M - CO1
16.Name two fee-based services of banks. 2M - CO1
17.Why do banks offer locker facilities? 2M - CO1
18.Explain the concept of Universal Banking and discuss its advantages and
risks in the Indian context. 5M – CO1
19.Evaluate how digital banking services have transformed Indian commercial
banks. 5M – CO1
20.Explain how fee-based services contribute to non-interest income of banks.
5M – CO1
21.Discuss how banks balance customer service with risk management in
lending. 5M – CO1
22.Analyze how Universal Banking helps in cross-selling financial products.
5M - CO1
23.Compare traditional banking with Universal Banking using examples from
Indian banks. 5M - CO1
24.A small business approaches a bank for a working capital loan. Explain how
the bank performs its primary and secondary functions in this case. 5M –
CO1
25.A customer wants to transfer money abroad for education. Explain which
banking services will be used. 5M – CO1
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