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bnk603 midterm solved papers by moaaz

bnk603 midterm solved papers

bnk603 midterm solved papers pdf

bnk603 midterm solved papers

Reply by muhammad rizwan on December 12, 2012 at 9:43pm

my today's paper
Q#1 Impediment in expansion of market ? 3marks
Q#2 about Spread rate and variabl interest rate ? 2.5+2.5=5 marks
Q#3 business risk on Risk management process
baki kuch yaad nai h
in MCQs
CDNS stands for
CFC stands for

Reply by Afzal Subhani on December 18, 2012 at 7:20am

Reply by Afzal Subhani on December 18, 2012 at 7:20am

Central Depository Company (CDC)

Virtual Private Network (VPN)

Pakistan Banksâ€™ Association (PBA)

Pensioner's Benefit Account (PBA)

Central Directorate of National Savings (CDNS)

Bahbood Saving Certificates (BSC),

A holistic customer experience is a key concept. It refers to customers having access to online channels, which empowers them to get advice and act on their own. This requires an adaptive architecture for synchronized data exchange. Advisors also need a readily accessible view of all the clientâ€™s interactions with the bank (including self-service). In this way the advisor can ensure the client does not become frustrated with the bankâ€™s service, and instead gives the client the feeling that the advisor has a firm grip on his or her banking matters.

The fact that a substantial minority of survey respondents said their targets for growth is optimistic suggests that executives at many institutions are not fully convinced of the strategies they are expected to execute.

Proper quantification of risks and financial outcomes, and the use of a range of analytical techniques, are essential in formulating strategy. In emerging markets in particular, this means selecting the right geography or segment to achieve and sustain profitable growth. Proper planning does not mean slow execution, however: successful institutions are capable of testing new ideas and adjusting to market feedback at speed.

ICICI, one of Indiaâ€™s largest banks, recently adopted this strategy with its acquisition of Anagram Finance, a domestic finance company with 60 branches. And in Brazil, Unibanco has joined forces with Fininvest, a leading Brazilian finance company with receivables of roughly U.S.$1 billion and a client base of several million. Fininvest targets low-income consumers by financing specific items in stores through agreements with retailers. The company has developed sophisticated systems for risk assessment and customer management: Credit assessment is centralized, closely controlled by the corporate center, and completed before any loan is approved. The company also regularly screens transaction histories, purchasing patterns, and payment records in order to identify cross-selling opportunities.

Double-Loop learning we reflect and ask the â€œwhy notâ€ questions which could lead to a paradigm shift.

Double loop theory is based upon a "theory of action" perspective outlined by Argyris & Schon (1974).

The common trait between money laundering and terrorist financing is concealment

The steady growth in personal deposits is largely attributed to:

(i) record inflows of remittances; and (ii) a sharp increase in per capita income in the wake of strong economic growth in recent years.

The Federal Government established the Banking Ombudsman in 2005.

High Personal Trust exists when we answer yes to the following questions:

â€¢ Is this person honest and ethical?

â€¢ Will she/he make good on her/his word?

â€¢ Is she/he basically well intentioned?

â€¢ Will he/she handle confidential information with care and discretion?

â€¢ Will he/she be straightforward about what he/she doesnâ€™t know?

â€¢ Leaders may persevere in relationships based on personal trust no matter how exalted they become in their leadership roles

â€¢ But such relationships are unlikely to remain static

â€¢ They are also unlikely to provide the kinds of deep, often specialized knowledge leaders need

â€¢ In circumstances where advisersâ€™ competence matters as much as their character, expertise trust enters the picture

represents an â€œuntapped goldâ€ client segment in the product-push approach

As Figure 11 suggests, this push approach was successful in capturing market share of high-value and easy-to-please customers.

Methods used to assess potential include compiling data on average assets of inhabitants of neighborhoods, employing statistical methods based on similar client profiles, and offering sales force incentives to capture and update client potential.

Seven Dimensions of the Customer Value Package

Financial

Procedural

Deliverable

Informational

Environmental

Sensory

Interpersonal

Consumer Banking: Definition

Services provided by commercial banks to individuals (as opposed to business customers) that include Current Accounts, Deposit and Savings Accounts, as well as Credit Cards, Auto Loans, House Loans (Mortgages), Personal Loans and Investments. It is also called â€œRetail Bankingâ€ and may be used interchangeably.

A relationship-based approach for these high-potential clientsâ€”who may not yet qualify for private banking servicesâ€” could create a virtuous circle through a win-win relationship in which the customerâ€™s perception of increased value generates more share of wallet, which gives the bank a better view of the clientâ€™s needs, resulting in better advice, which increases still further the customerâ€™s perception of value

Reply by muhammad rizwan on December 12, 2012 at 9:43pm

uestion Nshock 23 ( Marks: 3 )
How the banker will ensure the reliability of the person not introduced by the branch employee of the bank?

Question Nshock 24 ( Marks: 3 )
Discuss the relationship-based approach for high-potential clients.

Question Nshock 25 ( Marks: 3 )
What is the difference between point of sale and doorstep delivery?

Question Nshock 26 ( Marks: 5 )
From a consumerâ€™s point of view, why high interest rate spread and variable interest rate are important issues in consumer financing? (Marks=2.5+2.5)

Question Nshock 27 ( Marks: 5 )
What challenges did the financial companies face at the time of entry into consumer finance?

Reply by Rana on December 13, 2012 at 10:09pm

Q1): what type of risk and implication are associated to growth of
customer finance? (3)
Q2): why consumer say that info disclosure practices are poor in bank?(3)
Q3): what is difference between doorstep delivery and point of sale delivery?(3)
Q4): What is CFC? (5)
Q5): money laundering? (5)

mid term paper 13.12.2012

ENT, VPN, CFC,PBA,CAR,CIS,KYC

it was asked in mcqz

long questions were

Q1.Reasons why banking giving importanc to kYC

Q2.differentiate between door step dilivery and point of sale delivery?

Q3. objectives of developing consumer banking practices for retalil banking?

Q4. Explain procedure that bank will adopt for carrying out consumer financing?

Q5. explain adaptive IT structure with the help of a example.

Reply by Rana on November 30, 2011 at 7:20pm

All latest papers of midterm fall 2011 month of May

PAPER#1

Total=27 q
MCQ=22
3 marks question=3
5 marks question=5
Q1): what type of risk and implication are associated to growth of
customer finance? (3)
Q2): why consumer say that info disclosure practices are poor in bank?(3)
Q3): what is difference between doorstep delivery and point of sale delivery?(3)
Q4): What is CFC? (5)
Q5): money laundering? (5)

PAPER#2

Total 27 Questions....22 mcqz and subjective is below

Question No: 23 ( Marks: 3 )
How the banker will ensure the reliability of the person not introduced by the branch employee of the bank?

Question No: 24 ( Marks: 3 )
Discuss the relationship-based approach for high-potential clients.

Question No: 25 ( Marks: 3 )
What is the difference between point of sale and doorstep delivery?

Question No: 26 ( Marks: 5 )
From a consumerâ€™s point of view, why high interest rate spread and variable interest rate are important issues in consumer financing? (Marks=2.5+2.5)

Question No: 27 ( Marks: 5 )
What challenges did the financial companies face at the time of entry into consumer finance?