PM0012 – Project Finance

 

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ASSIGNMENT

DRIVE WINTER 2013
PROGRAM/SEMESTER MBADS (SEM 3/SEM 5) MBAFLEX/ MBAN2 (SEM 3) PGDPMN (SEM 1)
SUBJECT CODE & NAME PM0012 – Project Finance
BOOK ID B1238
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.

1 Write short notes on:

Classification of Investment Projects

Investment projects are classified into three categories on the basis, of the way they influence the investment decision process: independent projects, mutually exclusive projects and contingent projects.

Independent projects

An independent project is one, where the acceptance or rejection does not directly eliminate other projects from consideration or affect the likelihood of their selection. For example, if management plans to introduce a new product line, as well as, replace a machine which is currently producing a different product. These two

 

2 What it is a project proposal? What are its contents?

Answer:- Definition of project proposal, its purpose

Project proposals are those documents which are intended to present a plan of action, and list out the reasons for the necessity of the action with respect to the project to be executed. The project proposal1 should be in such a way that it convinces the readers in executing those actions. In most of the cases, this document is prepared either to serve an internal purpose or when somebody in the firm has an idea on the ways in which the firm can be profitable and resourceful. Before preparing a

 

3 MIT Training Ltd. is making an allowance for buying a new online learning system tofacilitate them to carry out the training they do for their corporate clients. The traininginstitute is looking at three different systems with a variety of functionality, and the costof each system is as follows:

System A System B System C

Rs 120,000 Rs 100,000 Rs 85,000

Even though they vary in functionality, however, they differ moderately in what theyoffer. Although they would all perform the jobs that the training institute is looking for,they would require the firm to run their systems very differently and so the expectedcash flows from each system are very different. The expected net cash flows for eachsystem are as follows:

Year System A System B System C

1 Rs 60,000 Rs 45,000 Rs 15,000

2 Rs 50,000 Rs 30,000 Rs 25,000

3 Rs 60,000 Rs 30,000 Rs 30,000

4 Rs 30,000 Rs 25,000 Rs 48,000

5 Rs 25,000 Rs 15,000 Rs 45,000

Calculate the payback period for each system by using the net cash flow data.Calculate the average rate of return for each system using the expected net cash flowdata in the case material.

Solution:-1. Calculate the payback period for each system by using the net cash flow data.

Payback period =Investment/ Cash Flow/year

[Answers: system A = 2.2

 

 

 

2. Calculate the average rate of return for each system using the expected net cash flow data in the case material.

 

 

 

 

4 Write short notes on

Flexibility valuation

In many projects there are chances where a project may follow a new path of action to obtain the end result. NPV fails to capture these typical paths. Where as the DCF models the investment considering the flexibility and staged nature of investment. The difference between these two valuation is the “value of flexibility” inherent in the project.

The two most common flexibility valuation tools

 

 

5 Explain some of the tools and techniques of Cost Management

Answer:- Reason why accurate estimation is required

Project Management has been practiced since early civilisation. Until 1900 civil engineering projects were normally managed by creative architects and engineers themselves. It was in the 1950s that organisations started to systematically apply project management tools and techniques to complex projects.

 

6 As there was intense power shortage in Karnataka due limited power generation in thestate, it became important to explore diverse types of power generation. As the statehad a mountainous terrain, getting renewable energy became an apt option. ABCenergy Ltd is one of the largest state owned energy generator and is committed toexploring a wind farm project. It found a suitable site before consulting with thecommunity. Then, it started shaping the project in order to meet the wishes andexpectations of the community during the process. The consultation started in the monthof May and full permission was granted within five days of the hearing. The work startedin the month of November.

There were quite a few challenges which were faced by the team. It includes working ina physically demanding environment and adhering to the needs of the landowners, inorder to meet the key project miles stones. Over 20 kilometres of roadways had to beconstructed and the installation of cabling had to be done. There were several streams,unsuitable oil and soil, and a pipeline that ran through the site. To carry out the aboveprocesses the ABC energy LTD estimated an extra amount of about Rs 3 crores. Theproject also faced force meajure risk like adverse weather conditions with the rainfall.The floods also caused problems.

The ABC Company and its consultants worked as team to meet the challenges and cutshorten on their expenditures to meet the budget. The extra fund of Rs 3 crores wasprovided by the government. A well defined project plan helped them to provide cleardirection and purpose. The efficient management team was committed to design andconstruct the project management practises to develop the plan. Daily managementmeetings were held, which helped the team to achieve the goals. As a result, the projectteam completed the project in five days ahead of the estimated timeline and they wereable to show it as a bench mark to the stakeholders.What were the challenges faced by the project team and how did they overcomeit?

Answer:-Rule 1: Make Risk Management Part of Your Project

The first rule is essential to the success of project risk management. If you don’t truly embed risk management in your project, you can not reap the full benefits of this approach. You can encounter a number of faulty approaches in companies. Some projects use no approach whatsoever to risk management. They are either ignorant, running their first project or they are somehow confident that no

 

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PM0011 – Project Planning

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ASSIGNMENT

 

DRIVE  WINTER 2013
PROGRAM/SEMESTER MBADS (SEM 3/SEM 5) MBAFLEX/ MBAN2 (SEM 3) PGDPMN (SEM 1)
SUBJECT CODE & NAME PM0011 – Project Planning
BOOK ID B1237
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.

 

1 Write short notes on:

  1. 1.   Changing Roles in the HR Organisation
  2. 2.   Managing a Project Team
  3. 3.   Responsibility Assignment Matrix
  4. 4.   Project leadership

Answer:-  1. Changing Roles in the HR Organisation

HRM in Project is an area of management that is directed towards the management of the relation between people and their organizational& project context. HRM is performed through a people management system that includes a content of HRM processes and activities and a role structure referred to as the HR organization. Furthermore, we have explored the importance of regarding HR

 

Managing a Project Team

Managing a project team is the process of delegating responsibilities and tasks, monitoring team performance, providing feedback, solving issues, and coordinating changes to enhance overall project performance.

Managing the team is one of the most critical aspects of project management. The project manager should encourage

 

 

  1. 2.   Responsibility Assignment Matrix

Project managers like to use a Responsibility Assignment Matrix (RAM) to define the roles of the various project team members. Despite the straightforward nature of the information included in the RAM, getting everyone to agree on people’s roles can be time-consuming. The following steps can help you get people’s input and approval with the least time and effort:

 

Project leadership

Leadership competencies are critical to the success of any organization and at all levels within the enterprise. Many aspects of leadership are stated or implied in this book because they apply to all managers. Project management is a subset of the enterprise’s need for leadership at an operative level, whereas the project is defined by senior managers exhibiting leadership traits and characteristics. This section focuses on the project manager and the competencies desired for

 

 

2 What characteristics are important for members of the core team?

  Answers:- The characteristics are important for members of the core team

Commitment: Commitment to the project by the core team is critical to the success of the project. The project manager must know that the core team member places a high priority on fulfilling his or her roles and responsibilities in the project. The core team must be proactive in fulfilling those responsibilities and not need the constant reminders of schedule and deliverables from the project manager.

Shared responsibility: Shared responsibility

 

 

 

3 What are the potential conflict sources which a project manager faces?

Answer:-The following sources of conflict:

1. Conflict over project priorities: The views of project participants often differ over the sequence of activities and tasks that should be understood to achieve successfully. Conflict over priorities may also not oly between the project team and other support groups but also within the project team.

2. Conflict over administrative procedures: A number of managerial and administrative oriented conflicts may develop over how the project is managed. The definition of project manager’s reporting relationships, definition

 

 

4 List the drivers of and barriers to project team performance. Describe the various phases of the team development process.

Answer:-Listing the drivers of and barriers

Drivers Barriers
 

1. Clear project plans and objectives

 

 

1. Communication problems

 

 

2. Good interpersonal relations and shared values

 

 

2. Conflict among team members or between team and support organizations

 

 

 

 

 

5 List some of the suggestions for the implementation of the Communications Management Plan (CMP)

Answer:- Listing and explanation of :

  • Establish an issues governance process
  • Escalate the issues
  • Recognize that the medium does make a difference:
  • Role identification can prove helpful
  • Give visibility to results
  • Gain feedback and follow up on results

1. Establish an issues governance process: The purpose of this process is to identify issues, give them visibility, and track their

 

 

6 Describe Stakeholder analysis.

Answer:- Definition of Stakeholder analysis

Each project has its own unique set of stakeholders. Successful project management can be carried out only when the responsible managers take into account the potential influence of the project’s stakeholders. An important part of the project planning is the identification of all project stakeholders and their relevant stakes in the project. Stakeholder analysis during the planning of the project is particularly useful for the development of strategies to facilitate the “management” of the stakeholders during the life cycle of the project.

Why project managers use it

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PM0010 – Introduction to Project Management

 

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ASSIGNMENT

 

DRIVE FALL DRIVE 2013
PROGRAM/SEMESTER MBADS (SEM 3/SEM 5) MBAFLEX/ MBAN2 (SEM 3) PGDPMN (SEM 1)
SUBJECT CODE & NAME PM0010 – Introduction to Project Management
BOOK ID B1236
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.

 

1 Write Short notes on:

• Project Constraints

The primary purpose of a project is to deliver a product and/or service to a customer within a specified time, cost, and detailed scope and performance requirements, as contracted with the customer.

Project Constraints Characteristics

Constraints Characteristics
S(Scope) Magnitude or size of the project.
P(Performance) Functional requirement and Technical requirements (Quality requirements are included).

 

 

2 Explain the features of the six broad sectors involved in environment scanning necessary for a SWOT analysis.(unit 6)

Answer:- Explanation of the features of the following

Competition

The study of the competition scenario in an industry is an essential component of its market survey and is a crucial factor in ensuring its success.

Economic Sector

A study of this sector concerns with demand-supply for products or projects. It also concerns with the overall rate of economic growth, foreign exchange reserves position or balance of payments position of the country, inflation rates, interest rates, and income and consumption patterns of target customers

 

 

3. Explain Activity On Arrow (AOA) and AON network logic diagrams.

Answer:-The logic development in project planning is an iterative process. Initial logic development starts after identification of the activities of the project and before scheduling process occurs. The logic development process is further refined during schedule development and optimisation. There are two common methods of logic diagramming which are referred as network

 

4. Write Short notes on:

• Contract Negotiation Techniques

The final stage in the vendor selection process is developing a contract negotiation strategy. The worst contract negotiation objective is to bleed every last cent out of the vendor for the lowest price. Remember, you want to “partner” with your vendor so that both of you will meet your corporate goals and objectives by signing the contract. Successful contract negotiation means that

 

5. MGF to develop mall for Delhi Metro TNN Aug 27, 2003, 12.03am IST NEW DELHI: The Delhi Metro Rail Corporation has chosen MGF Developments to develop what is envisaged to be Delhi’s largest shopping mall at Khyber Pass. The development includes creation of the country’s first auto mall, housing a majority or all of the country’s automakers under one roof.

The net present value of the project, to develop 1m sqft of retail area across 5 hectares of real estate, is Rs 150-200 crore and is projected to generate an internal rate of return (IRR) of 14%. The other two bidders for this project were Spencer & Company (the developers of Spencer Plaza at Chennai) and Negolice along with the Adani group.

According to DMRC’s managing director, E Sreedharan, MGF has already made an upfront payment of Rs 20 crore over and above the Rs 150-crore project value. The contract agreement envisages an annuity payment of Rs 5.5 crore, plus 5% of revenues for the entire 50-year concession period with an escalation of 20% every three years in the annuity payout by MGF to DMRC.

With escalation, the annuity payment to DMRC at the end of the concession period works out to about Rs 77 crore. The project is slated for completion in four years, though MGF is attempting to launch the mall a year earlier.

MGF is looking to create a world-class integrated shopping mall with a 6-7 screen multiplex, food courts, 10 speciality restaurants, a large hypermarket, 3-4 department stores and an auto mall. The retail developer envisages a promising average footfall of 15,000-20,000 a day, with weekend footfall of approximately 50,000-60,000. Delhi University student traffic to the mall is expected to be very high.

The primary catchment area for the mall consists of places like Shalimar Bagh in the northwest to Ashok Vihar in the west, and Mukherjee Nagar in the north to Civil Lines in the south. The average income in this area is estimated to be around Rs 3 lakh. The secondary catchment consists of Punjabi Bagh, Rohini, Pritampura, Janakpuri and PreetVihar.

According to a Jones Lang LaSalle survey, over 70% of the population travels to the south for their entertainment. In terms of frequency of entertainment activity, almost 53% go out once a week, 27% twice a week and very few venture out more than twice a week. About 39% spend between Rs 1,000-2,000 and 53% spend less than Rs 1,000 a week on entertainment.

According to sources, MGF has already engaged a leading South African architect for the project and is in the process of tying up its anchor stores. Source: http://articles.economictimes.indiatimes.com/2003-08-27/news/27522921_1_auto-mallshopping- mall-mgf-developments why do you think that the shopping mall project was pursued? Assume that this project is railway line connecting to remote part of India and has a negative NPV. Would you pursue this project? Justify

Answer:-Why do you think that the shopping mall project was pursued?

MGF, which specialises in retail development, runs the Metropolitan Mall in Gurgaon. It is working on five additional mall developments — three in Gurgaon, one in Rajouri Garden and one at Saket. The mall at Khyber Pass will be its seventh mall in the national capital region.

Assume that this project is railway line connecting to remote part of India and has a negative NPV. Would you

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MA0036 – FINANCIAL SYSTEM AND COMMERCIAL BANKING

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ASSIGNMENT

 

DRIVE

WINTER 2013

PROGRAM

MBADS (SEM 3/SEM 5) MBAFLEX/ MBAN2 (SEM 3)

PGDBMN (SEM 1)

SUBJECT CODE & NAME

MA0036 – FINANCIAL SYSTEM AND COMMERCIAL BANKING

BK ID

B1770

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.

 

 

Q.1 The Federal Reserve is the central bank of the United States. Its unique structure includes a federal government agency, the Board of Governors, in Washington, D.C., and 12 regional Reserve

Banks. Compare and contrast the organizational structure  and the functions of the Reserve Bank

of India and the Federal Reserve of US.

 

Ans : Organisational Structure of RBI:

 

Federal Reserve Bank of India is understood to be the central banking institution in India that has the duty of controlling the financial policy of the Indian government. The organizational Structure of Reserve bank of India can be studied in three different parts.

Firstly, the central board of directors. It is the main committee of the central bank. There are twenty members that constitute the central board of directors.

One governor, who is appointed by the government of

 

 

 

Q.2 Mention the features and types of financial instruments that are offered by  SBI bank.

 

Ans : Financial instruments  :

 

A financial instrument is a tradeable asset of any kind; either cash, evidence of an ownership interest in an entity, or a contractual right to receive or deliver cash or another financial instrument.

According to IAS 32 and 39, it is defined as “any contract that gives rise to a financial asset of one entity and a financial liability or equity instrument of another entity”.

Financial instruments can be categorized by form

 

 

 

Q.3 If you  want to keep a fixed deposit in a bank, is KYC – applicable? Is there any procedure

specified for Customer Identification?

 

Ans :Explain  the norms of KYC in  opening fixed deposit  :

 

1. The Bank before opening any deposit account will carry out due diligence as required under Know Your Customer (KYC) guidelines issued by RBI Anti-Money laundering rules and regulations .

 

2. The account opening forms and other material would be provided to the prospective depositor by the Bank

 

 

 

 

Q.4 How  and in what way does the  banks cater services  to the HNI.

 

Ans : HNI :

 

High net worth individual (HNI) is a classification used by the financial services industry to denote an individual or family with high net worth. The cutoff for this designation is imprecise i.e. some companies use the term to denote individuals with over $100,000 in assets, while other companies use $500,000. Although there is no precise definition of how rich somebody must be to fit into this category, high net worth is generally quoted in terms of liquid assets over a certain figure. The categorization is relevant because high net worth individuals generally qualify for separately managed investment accounts instead of

 

 

 

Q.5 Differentiate Corporate internet banking and Retail internet banking services.

 

Ans : Corporate internet banking service :

 

Corporate banking is the area of finance dealing with the sources of funding and the capital structure of corporations and the actions that managers take to increase the value of the firm to the shareholders, as well as the tools and analysis used to allocate financial resources. A goal of corporate finance is to maximize shareholder value. Although it is in principle different from managerial finance which studies the financial management of all firms, rather than corporations alone, the main concepts in the study of corporate finance are applicable to the financial problems of all kinds of firms.

Investment analysis (or capital budgeting) is

 

 

 

 

Q. 6 Compare and contrast of any two Bank’s Basel –II disclosures (Tier-I capital, Tier-I ratio, Total

capital, Capital Adequacy Ratio -CAR).

 

Ans: SBI :

Capital Structure: Quantitative Disclosures (Rs in crores)

(a) Tier-I Capital 85732

  • Paid-up Share Capital 635
  • Reserves 84123
  • Innovative Instruments (only total) 6063
  • Other Capital Instruments (only total) 0
  • Amt deducted from Tier-I Cap (if any total): 5089

(b) Total amount of Tier-II Capital (Net of deductions from Tier-II  Capital)

37587

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MA0037 – BANKING RELATED LAWS AND PRACTICE

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ASSIGNMENT

 

DRIVE WINTER 2013
PROGRAM MBADS (SEM 3/SEM 5) MBAFLEX/ MBAN2 (SEM 3)

PGDBMN (SEM 1)

SUBJECT CODE & NAME MA0037 – BANKING RELATED LAWS AND PRACTICE
BK ID B1618
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.

 

 

Q.1 Explain CRR, SLR, interest rate,  Repo rate and Reverse repo rate in banking terms.

 

Ans: CRR :

 

Cash reserve Ratio (CRR) is the amount of funds that the banks have to keep with the RBI. If the central bank decides to increase the CRR, the available amount with the banks comes down. The RBI uses the CRR to drain out excessive money from the system. Scheduled banks are required to maintain with the RBI an average cash balance, the amount of which shall not be less than 4% of the total of the Net Demand and Time Liabilities (NDTL), on a fortnightly basis. The amount specified as the CRR is held in cash and cash equivalents, is stored in bank vaults or parked with the Reserve Bank of India.

 

 

 

Q.2 Discuss whether banks are authorised to deal in foreign exchange can issue guarantee on behalf of person resident outside India for foreign direct investment transactions in India.

 

Ans : Explain Guarantee  :

 

A guarantee from a lending institution ensuring that the liabilities of a debtor will be met. In other words, if the debtor fails to settle a debt, the bank will cover it. A bank guarantee enables the customer (debtor) to acquire goods, buy equipment, or draw down loans, and thereby expand business activity. types of guarantees:

 

A payment guarantee is used to guarantee the

 

 

 

Q.3 Compare and contrast lien and set-off.

 

Ans : Lien : A lien is the right of a creditor in possession of goods, securities or any other assets belonging to the debtor to retain them until the debt is repaid, provided that there is no contract express or implied, to the contrary. It is a right to retain possession of specific goods or securities or other movables of which the ownership vests in some other person and the possession can be retained till the owner discharges the debt or obligation to the possessor.

 

It is a legal claim by one person on the property of another as security for payment of a debt. A legal claim or attachment against property as security (

 

 

 

Q. 4  Can proceedings before DRT be compared to the proceedings before Civil Court? Discuss.

 

Ans : The proceedings before DRT can not be compared to the proceedings before Civil Court and adjudication process before the DRT is simple and can be fast. However, it is also true that DRT requires time to look into the facts and read the documents apart from hearing the oral submissions from the Bank. Additional DRTs and DRATs can be constituted if required rather allowing the borrower to suffer and feel that the remedy before

 

 

 

Q.5 What do you mean by arbitration under Banking Ombudsman scheme? Explain the procedure for arbitration and conciliation as detailed under Banking Ombudsman scheme?

 

Ans : Arbitration :

 

Arbitration, a form of alternative dispute resolution (ADR), is a technique for the resolution of disputes outside the courts, where the parties to a dispute refer it to one or more persons (the “arbitrators”, “arbiters” or “arbitral tribunal”), by whose decision (the “award”) they agree to be bound. It is a resolution technique in which a

 

Q.6 Is Securitisation Act applicable to Cooperative banks? If not, discuss the reasons.

 

Ans : Securitisation Act :

 

Preliminary

 

1. Short title, extent and commencement.-

(1) This Act may be called the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002.

(2) It extends to the whole of India.

 

(3) It shall be deemed to have come into force on

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MA0038 – BANKING OPERATIONS

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ASSIGNMENT

 

DRIVE WINTER 2013
PROGRAM MBADS (SEM 3/SEM 5) MBAFLEX/ MBAN2 (SEM 3)

PGDBMN (SEM 1

SUBJECT CODE & NAME MA0038 – BANKING OPERATIONS
BK ID B1616
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.

 

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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MA0039 – RETAIL BANKING

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ASSIGNMENT

 

DRIVE WINTER 2013
PROGRAM MBADS (SEM 3/SEM 5) MBAFLEX/ MBAN2 (SEM 3)

PGDBMN (SEM 1)

SUBJECT CODE & NAME MA0039 – RETAIL BANKING
BK ID B1814
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.

 

 

Q.1 Log on to any commercial bank’s website and discuss the features of   retail banking liability

products.

 

Ans: Features of  retail banking liability products :

 

Commercial banks offer a variety of “liability products” to consumers. These products are known as “liability products” because they represent liabilities of the bank. Consumers generally know them as “deposit” products. Typically, liability products include checking and savings accounts, money market accounts and certificates of deposit (CDs). Bank liability products are useful to consumers since they provide a safe place to keep their funds and give them the opportunity to earn interest on cash that they may not immediately need. Liability products also give consumers access to cash via checks and ATMs, and except for most checking

 

 

 

 Q.2 Compare and contrast the debit and credit card.

 

Ans: Similarities :

 

1. Rewards Programs:

 

Both credit cards and debit cards offer points and cash-back incentives for card purchases. Points may accrue for day-to-day purchases, such as food, gas and clothing, as well as travel expenses. Contact your financial institution for program details, rate structures and restrictions, which vary widely.

 

 

 

 

 

Q.3 Briefly explain customers of retail banking.

 

Ans : Customers of retail banking :

 

Retail banking is when a bank executes transactions directly with consumers, rather than corporations or other banks. Services offered include savings and transactional accounts, mortgages, personal loans, debit cards, and credit cards. The term is generally used to distinguish these banking services from investment banking, commercial banking or wholesale banking. It may also be used to refer to a division of a bank dealing with retail customers and can also be termed as Personal Banking services.

 

 

Q.4 Discuss the relationship between banker and customer.

 

Ans : Relationship between banker and customer :

 

Discussed below are important banker-customer relationships.

 

1. Relationship of Debtor and Creditor

 

When a customer opens an account with a bank and if the account has a credit balance, then the relationship is that of debtor (banker / bank) and creditor (customer).

In case of savings / fixed deposit / current account (with credit balance), the banker is the debtor, and the customer is the creditor. This is because

 

 

Q.5 Discuss whether a cheque is a bill of exchange?

 

Ans : A cheque is a bill of exchange. But it has some special features. They are-

  • A cheque must be in writing.
  • The cheque must be dated.
  • It contains an unconditional order to pay.

The drawer must sign the cheque. The signature of the drawer must match with the specimen signature given by the drawer (accountholder)

 

 

Q.6 Discuss few examples of product and process innovation in banks.

 

Ans : Examples of product and process innovations :

 

Baking has now become a challenging job. This challenge can be met by product and process innovations. We can attract customers by new products and process as per their need and choice. Area of operations of banks has been changed from conservative banking to innovative banking. Product innovation means modification in the existing available banking products and creation of new products to the customers. New products

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MIT104– Software Engineering

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ASSIGNMENT

 

DRIVE WINTER 2014
PROGRAM M.SC. IT
SUBJECT CODE & NAME MIT104– Software Engineering
SEMESTER 1
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.

 

 

Q.1 What are the limitations of the linear sequential model?

 

Answer : It is also called “Classic Life Cycle” or “Waterfall” model or “Software Life Cycle” suggests a systematic and sequential approach to software development that begins at the system level and progresses through analysis, design, coding, testing and support. The waterfall model derives its name due to the cascading effect from one phase. In this model each phase well defined starting and ending point, with identifiable deliveries to the next phase

Analysis–>Design–>Coding–>Testing

 

 

 

 

Q.2 Explain the Data flow design

 

Answer : The data flow model is a set of “policies and diagrams representing the design requirements” that you need to implement in order to meet the goals in your solution proposal. Data flow model policies are simple statements of the business requirements found in your solution proposal. You refine each statement so that it evolves into a precise policy of your business requirements.

Data-flow-design is concerned with designing a sequence of functional transformations that convert system inputs into the required. The design is

 

Q.3 What is Object –oriented design? What are characteristics of an object oriented design (OOD)?

 

Answer : Object –oriented design:

 

Object-oriented design is the process of planning a system of interacting objects for the purpose of solving a software problem. It is one approach to

 

 

Q.4 Write a note on Prototyping Model.

 

Answer : Prototyping Model :

 

The basic idea here is that instead of freezing the requirements before a design or coding can proceed, a throwaway prototype is built to understand the requirements. This prototype is developed based on the currently known requirements. By using this prototype, the client can get an “actual feel” of the system, since the interactions with prototype can enable the client to better understand the requirements of the desired

 

 

Q.5 (a)What do you mean by software maintenance?

 

Answer : Software maintenance in software engineering is the modification of a software product after delivery to correct faults, to improve performance or other attributes.

A common perception of maintenance is that it merely involves fixing defects. However, one study indicated that the majority, over 80%, of the maintenance effort is used for non-corrective actions. This perception is perpetuated by users submitting problem reports that in reality are functionality enhancements to the system. More recent studies

 

 

Q.6 Write a note on Capability Maturity Model

 

Answer : Capability Maturity Model :

 

The Capability Maturity Model (CMM) is a development model created after study of data collected from organizations that contracted with the U.S. Department of Defense, who funded the research. The term “maturity” relates to the degree of formality and optimization of processes, from ad hoc practices, to formally defined steps, to managed result metrics, to active optimization of the processes. The model’s aim is to improve existing software-development processes, but it can also be applied to other processes. The

 

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MIT103– Object Oriented Programming

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ASSIGNMENT

 

DRIVE WINTER 2014
PROGRAM M.SC. IT
SUBJECT CODE & NAME MIT103– Object Oriented Programming
SEMESTER 1
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.

 

 

Q.1 Explain the data types in Java

 

Answer : Data type specifies the size and type of values that can be stored in an identifier. The Java language is rich in its data types. Different data types allow you to select the type appropriate to the needs of the application.

Data types in Java are classified into two types:

 

 

Q.2 Explain the different types of Relationships

 

Answer : Java programs are comprised of a set of interacting objects, and Java derives its power from the relationships between different objects. Relationships allow a programmer to define complicated objects by building them out of a simpler series of objects, thus easing the process of debugging and creating code that can be reused for multiple purposes.               

 

Inheritance :

 

 

Q.3 What is Exception? What are the different types of Exceptions?

 

Answer : An exception is an event, which occurs during the execution of a program, that disrupts the normal flow of the program’s instructions. When an error occurs within a method, the method creates an object and hands it off to the runtime system. The object, called an exception object, contains information about the error,

 

 

 

 

Q. 4 Write a note on stream classes

 

Answer : In Java IO streams are flows of data you can either read from, or write to. As mentioned earlier in this tutorial, streams are typically connected to a data source, or data destination, like a file, network connection etc.

A stream has no concept of an index of the read or written data, like an array does. Nor can you typically move forth and back in a stream, like you can in an array, or in a file using Random Access File. A stream is just a continuous flow of data.

 

 

 

Q.5 What is an applet? Explain the applet class

 

Answer : Applet :

 

An applet is a Java program that runs in a Web browser. An applet can be a fully functional Java application because it has the entire Java API at its disposal. There are some important differences between an applet and a standalone Java application, including the following:

 

  • An applet is a Java class that extends the java.applet.Applet class.
  • A main() method is not invoked on an applet, and an applet class will not define main().
  • Applets are designed to be embedded

 

Q.6 Explain the Components of an Event?

 

Answer : Components of an Event :

 

In object-oriented programming and distributed object technology, a component is a reusable program building block that can be combined with other components in the same or other computers in a distributed network to form an application. Examples of a component include: a single button in a graphical user interface, a small interest calculator, an interface to a database manager. Components can be deployed on different servers in a network and communicate with each other for needed services. A component runs within a context called a container . Examples of containers include pages on a Web site, Web

 

 

 

Q.7 Write a note on Java Beans

 

Answer : The JavaBeans™ architecture is based on a component model which enables developers to create software units called components. Components are self-contained, reusable software units that can be visually assembled into composite components, applets, applications, and servlets using visual application builder tools. Java Bean components are known as beans . A set of APIs describes a component model for a particular language.

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BBA101 – Communication Skills

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ASSIGNMENT

 

DRIVE WINTER 2014
PROGRAM BBA
SUBJECT CODE & NAME BBA101 – Communication Skills
SEMESTER 1
CREDITS 4
MARKS 60
Book ID B1497

 

 

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. Communication is the lifeblood of a business organisation. Explain the role of Communication in Business. What are the various barriers to Communication?

(Meaning – 1 mark, Role – 5 marks , Barriers- 4 marks)10 marks

 

Answer : Communication :

 

The real meaning of communication is getting the receiver and the sender tuned together for a particular message. Communication takes place when one person transfers some understandable data to another person. It also includes the exchange of thoughts, opinions, sentiments, facts, and information between two or more persons.

 

Role of Communication in Business:

 

1. Communication promotes motivation by informing and clarifying the employees about the task to be done, the manner they are performing the task, and how to improve their performance if it is not up to the mark.

Communication is a source of information to the

 

 

2. Why are business letters given so much importance in today’s organizations? Bring out the difference between personal letters and business letters. Discuss the different characteristics of a good business letter.

Answer : Importance of business letters :

 

he business letter is the ambassador of business. It helps to create communication between business firms. The following points highlight about the importance of business letter:

 

1. Advanced Communication System:

 

Business letter provides the means for communication in the business world. Modern business is expanding and as a compulsory support such letter is widely used.

2. To exchange business information:

 

The prime objective of a business letter is to exchange business related information between the parties involved. Most of the time business people send letters to their

 

 

 

Q3. Writing effectively is a skill, which can be learnt and perfected. Explain the general principles of Effective writing. What are the various techniques to improve your writing skills?

(Principles- 6 marks, Techniques- 4 marks)10 marks

 

Answer : General principles of Effective writing:

 

1.Lead in:

 

Your first concern in improving the readability of your nonfiction writing is to choose the right word. Your writing should use words most closely conveying the meaning of your thoughts. Flowery words and jargon should be avoided, if possible, say what you have to say simply and clearly.

To achieve clarity in your writing you have to be clear and organized about what you want to write. Organization is a key to effective nonfiction writing.

 

2.Presentation:

 

 

 

 

 

4 What groundwork does one needs to do to make an effective presentation? How do verbal, vocal and visual components of communication impact a presentation?

Answer : Guidelines for an effective presentation:

 

KNOW YOUR SUBJECT MATTER

 

While this first point may seem obvious, it is very important that you research every nuance of your subject.Read reports and look up information about the subject with the specific purpose of writing a presentationscript. When examined in this light, new ideas and alternative ways of thinking often develop. The ability topresent a subject with confidence directly affects your audience’s impressions and will help keep theirattention.This is especially important when giving a design presentation or proposal since you are in effect selling”your ideas to the audience. This applies whether the audience is a potential client or

 

 

 

5. Explain the contents of a good resume. Distinguish between the different types of resumes.

Answer :  Content of the Resume

This section is long but contains all the information necessary to help you prepare your curriculum vitae, (also known as a CV, a resume or personal data sheet). Each heading provides the type of content to include, the language to employ, together with examples. NB. It is unnecessary to put CV or any of the other names at the top of the document as it should be very clearly recognised for what it is!

 

1. Personal details

2. Job objective

3. Education

4. Professional experience

 

 

6. With growing competition and volatile market conditions, jobs are not secured as they ought to be previously. What are the factors looked into by the prospective employers? Identify the techniques, which should be used by an interviewee to get a good job.

Answer : Factors looked into by the prospective employers:

 

Of course, various employers would look at different aspects in candidates, but here are the general aspects that an employer will look for:

 

1. Competencies – Abilities to do the work successfully:

This is by far the most important aspect that the employer will be looking for in the prospective employee – the competencies.

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