Wednesday, 28 September 2016

MF0018 - INSURANCE AND RISK MANAGEMENT

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ASSIGNMENT

DRIVE
SUMMER 2016
PROGRAM
MBADS – (SEM 4/SEM 6) / MBAN2 / MBAFLEX – (SEM 4) /
PGDFMN – (SEM 2)
SUBJECT CODE & NAME
MF0018 - INSURANCE AND RISK MANAGEMENT
SEMESTER
4
BK ID
B1816
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 Explain price risk and its types. Explain Risk management methods

Answer : Price risk is the risk of a decline in the value of a security or a portfolio. Price risk is the biggest risk faced by all investors. Although price risk specific to a stock can be minimized through diversification, market risk cannot be diversified away. Price risk, while unavoidable, can be mitigated through the use of hedging




Q2 An organization is a legal entity which is created to do some activity of some purpose. There are elements of a life insurance organization. Explain the elements of life insurance organization.

Answer : Elements of a Life Insurance Organization An ‘organization’ is a legal entity which is created to do some activity or to achieve some purpose. It is created under some law, which gives it a status and identity. Because of the identity, the organization is considered to be a person in law. Therefore, it can enter into contracts, be sued in courts, accumulate property and wealth, and do business, in the same manner as any individual can do. 

Important activities



Q3 Explain the doctrine of indemnity, doctrine of subrogation and warranties and its types and classification.

Answer : Principle of indemnity:

Indemnity means security or compensation against loss or damage. The principle of indemnity is such principle of insurance stating that an insured may not be compensated by the insurance company in an amount exceeding the insured’s economic loss.

In type of insurance the insured would be



Q4 Give short notes on :

a) Evidence and claim notice.

Answer : Claim: This is the central argument or thesis to your paper. You will have one major claim in your introductory




b) Subrogation

Answer : Subrogation is defined as a legal right that allows one party (e.g., your insurance company) to make a payment that is actually owed by another party (e.g., the other driver’s insurance company) and then




c) Salvage
Answer : The amount for which an asset can be sold at the end of its useful life. In insurance circles, this term commonly refers to the scrap value of damaged property. In property insurance, salvage value (e.g., scrap value) will be subtracted from any loss settlement if the insured retains the damaged property




Q5 Explain the marketing mix (7 P’s) for insurance companies

Answer : The service marketing mix is also known as an extended marketing mix and is an integral part of a service blueprint design. The service marketing mix consists of 7 P’s as compared to the 4 P’s of a product marketing mix. Simply said, the service marketing mix assumes the service as a product itself. However it adds 3 more P’s which are



Q6 Explain the benefits of reinsurance. Elaborate on the application of reinsurance.

Answer : Benefits of Reinsurance

Reinsurance is an essential tool used for managing risk. Different from the common insurance that protects people from monetary loss, reinsurance offers protection to the main insurance company against financial loss. Find benefits of reinsurance discussed below.

1. Protects insurance companies
Just like other people who seek the protection of an

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MF0017 - MERCHANT BANKING AND FINANCIAL SERVICES

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MF0017 & MERCHANT BANKING AND FINANCIAL


ASSIGNMENT

DRIVE
SUMMER 2016
PROGRAM
MBADS – (SEM 4/SEM 6) / MBAN2 / MBAFLEX – (SEM 4) /
PGDFMN – (SEM 2)
SUBJECT CODE & NAME
MF0017 - MERCHANT BANKING AND FINANCIAL SERVICES
SEMESTER
4
BK ID
B1815
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 Rating methodology is used by the major Indian credit rating agencies. Explain the main factors of that are analyzed in detail by the credit rating agencies.
Answer : A Credit Rating issued by a credit rating agency is an assessment of the credit worthiness of individual financial securities (For example, a bond) and debt issued by corporations, government issued securities or even a country’s ability to repay debt.
Credit Ratings are assigned by rating agencies to companies and debt instruments, are designed to gauge the likelihood that a company will default on its obligations to creditors. Thus, they give investors a rough idea of the risk associated with loaning money to the entity being rated.
Credit ratings are forward-looking opinions about credit risk. It express the agency’s opinion about the ability and willingness of an issuer, such as


2 Give the meaning of the concept of venture capital funds. Explain the features of venture capital fund.

Answer : Venture Capital Funding can be of different kinds. Early stage funding could be at the stage of ideation, initial production and marketing. Expansion funding is done during commercial production, marketing and growth (For more information refer to the article – Stages of Venture Capital Funding). Different funds focus on different types of funding and sectors. There are however some unifying characteristics of venture capital funds.
Features of venture capital funds


3 Hire purchase is one of the important concept. There are certain features of hire purchase agreement so explain the points of it. Differentiate between hire purchase and leasing.

Answer : Meaning and characteristics of hire purchase finance :
A method of buying goods through making installment payments over time. The term hire purchase originated in the U.K., and is similar to what are called "rent-to-own" arrangements in the United States. Under a hire purchase contract, the buyer is leasing the goods and does not obtain ownership until the full amount of the contract is paid. The characteristics of hire-purchase system are as under
  • Hire-purchase is a credit purchase.
  • The price under hire-purchase system


4 Explain the concept of Depository receipts. Write down the difference between American Depository Receipts (ADR) and Global Depository Receipts (GDR) also mention the issues involved in ADR/GDR.
Answer : A DR is a type of negotiable (transferable) financial security traded on a local stock exchange but represents a security, usually in the form of equity, issued by a foreign, publicly-listed company. The DR, which is a physical certificate, allows investors to hold shares in equity of other countries. One of the most common types of DRs is the American depository receipt (ADR), which has been offering companies, investors and traders global investment opportunities since the 1920s.
Since then, DRs have spread to other parts of the globe in the form of global depository receipts (GDRs). The other most common type of DRs are European DRs and International DRs. ADRs are typically traded on a US national stock exchange


5. What is Online Trading? Explain the process of online trading.
Answer : The trade in stocks and other instruments has been there for many years. It used to be done physically with stock traders shouting their orders in a crowded hall. With technological advancement, online trading has become common. Now you can make a fortune buying and selling stock from the comfort of your home using a computer.

Open a Broker Account
Choose a suitable online broker. A brokerage firm will be trading stock on your behalf. It normally charges a fee in form of a percentage of the traded stock. You should choose a brokerage firm wisely. If you plan to be an active trader, you should look for a broker with low fees. If you plan to buy only one stock and keep it, you should bear in mind that some brokerage firms charge a fee for inactivity over a certain period of time. It will be


6Write short notes on:
a.Depository Participants

Answer : A Depository refers to “An organization that facilitates holding of securities in the electronic form and enables DPs to provide services to investors relating to transaction in securities”.
A Depository Participant (DP) can be a financial organization like banks, brokers, financial institutions, custodians, etc., acting as an agent of the Depository to make its services available to the investors.
There are two depositories in India, namely NSDL and CDSL.



b.Benefits of Depository Systems

Answer : In the depository system, share certificates belonging to the investors are dematerialized and their names are entered in the records of depositary as beneficial owners. Investors’ names in the companies register are replaced by the name of depository as the registered owner of the securities. The beneficial owner continues to enjoy all the rights and benefits and be subject to all the liabilities in respect of the securities held by the depository. The ownership changes in, the depositary are done automatically on the basis of delivery vs. payment.

The investors opting to join depository mode are required to enter into agreement with depository through a participant who acts as an agent of


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MF0016 & TREASURY MANAGEMENT


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DRIVE
SUMMER 2016
PROGRAM
MBADS (SEM 4/SEM 6) MBAFLEX/ MBA (SEM 4) PGDFMN (SEM 2)
SUBJECT CODE &
NAME
MF0016 & TREASURY MANAGEMENT
BK ID
B1814
CREDITS
4
MARKS
60


1 Give the meaning of treasury management. Explain the need for specialized handling of treasury and benefits of treasury.
Answer : Treasury management is the administration of a company’s cash flow as well as the creation and governance of policies and procedures that ensure the company manages risk successfully.

Treasury management is the creation and governance of policies and procedures that ensure the company manages financial risk successfully.

Because a primary function of treasury management is to establish levels for cash or cash equivalents so that a company can meet its financial obligations on time, treasury management is sometimes simply referred to as cash management.



2 Explain foreign exchange market. Write about all the types of foreign exchange markets. Explain the participants in foreign exchange markets.

Answer : The foreign exchange currency markets allow buying and selling of various currencies all over the world. Business houses and banks can purchase currency in another country in order to do business in that particular company. The forex market also known as FX market has a worldwide presence and a network of different currency traders who work around the clock to complete these forex transactions, and their work drives the exchange rate for currencies around the world. Since the foreign exchange currency market is one of the biggest markets of the world, the market is sub divided into different kinds of foreign exchange market. There are different features and characteristics associated with the different foreign exchange markets have different trading characteristics. The main three types of



3. Write an overview of risk mitigation. Explain the processes of risk containment. Write about the tools available for managing risks.
Answer : Risk mitigation planning is the process of developing options and actions to enhance opportunities and reduce threats to project objectives. Risk mitigation implementation is the process of executing risk mitigation actions. Risk mitigation progress monitoring includes tracking identified risks, identifying new risks, and evaluating risk process effectiveness throughout the project.

Process of risk containment:

Risk Assessment
The goal of risk assessment is to identify the risk factors that are a part of the activity being undertaken. Basically, it's about working out what could go wrong. For example, the task could be attending a client meeting. The possible risk factors would include



4 What is Interest Rate Risk Management (IRRM)? Write the components and features of IRRM. Explain the macro and micro factors affecting interest rate.
Answer : Interest rate risk (IRR) is defined as the potential for changing market interest rates to adversely affect a bank's earnings or capital protection. Two previous issues of Community Banking Connections included articles on IRR management for community banks.1 The first article provided an overview of key elements of an IRR management program and common pitfalls faced at community banks. The second article focused more attention on directors' and senior managers' specific responsibilities, including development of sound policies and IRR exposure limits. In this article, the discussion proceeds to IRR measurement issues, including the appropriateness of certain measures and some of the challenges faced in modeling risk exposures.


5 Explain the contents of working capital. Write down the need for working capital.

Answer : Working capital is the life blood and nerve center of business. Working capital is very essential to maintain smooth running of a business. No business can run successfully without an adequate amount of working capital.

Contents of working capital:

·         Needs that are Short Term: Working capital is being utilized in acquiring current assets which will be converted to cash for a short period only.
·         Circular Movement: Working capital is being converted to cash constantly which will just be turned as a working capital all over again.
·         Permanency: Although it is just a kind of short term capital, working capital is needed by a business forever and always.


6 Explain the concepts and benefits of integrated treasury. Explain the advantages and disadvantages of operating treasury.

Answer : Integrated Treasury basically does the same thing as the traditional Treasury i.e. effective management of the funds. The difference is that the Integrated Treasury paints on a wider canvas. It is necessary that the Treasury has an eye on every market of the world, and every type of financial market in the country. Funds have to be moved from one sector to another to achieve maximum returns. With the full current account convertibility and financial sector reforms, the Indian corporates are also able to achieve this. Integrated

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MF0015 - INTERNATIONAL FINANCIAL MANAGEMENT

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ASSIGNMENT


DRIVE
SUMMER 2016
PROGRAM
MBADS – (SEM 4/SEM 6) / MBAN2 / MBAFLEX – (SEM 4) /
PGDFMN – (SEM 2)
SUBJECT CODE & NAME
MF0015 - INTERNATIONAL FINANCIAL MANAGEMENT
SEMESTER
4
BK ID
B1759
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 Explain Globalization, Advantages of Globalization and Disadvantages of Globalization.
Answer: By the term globalisation we mean opening up of the economy for world market by attaining international competitiveness. Thus the globalisation of the economy simply indicates interaction of the country relating to production, trading and financial transactions with the developed industrialized countries of the world.






Q2 In foreign exchange market many types of transactions take place. Discuss the meaning and role of forward, future and options market.
Answer: : In finance, a forward contract or simply a forward is a non-standardized contract between two parties to buy or to sell an asset at a specified future time at a price agreed upon today, making it a type of derivative instrument. This is in contrast to a spot contract, which is an agreement to buy or sell an asset on its Spot Date, which may vary depending on the instrument, for example most of the FX contracts have Spot Date two business


Q3 Explain Swap, its features and types of Swap.

Answer: A swap is an agreement between two parties to exchange sequences of cash flows for a set period of time. Usually, at the time the contract is initiated, at least one of these series of cash flows is determined by a random or uncertain variable, such as an interest rate, foreign exchange rate, equity price or commodity price. Conceptually, one may




Q4 Explain in detail the types of exposure and measuring economic exposure

Answer: Types of Exposure

Translation Exposure

Translation exposure is also referred to as accounting exposure or balance sheet exposure. The restatement of foreign currency financial statements in terms of a reporting currency is termed translation. The exposure arises from the periodic need to report consolidated worldwide operations of a group in one reporting currency and to give some indication of the financial position of that group at those times in that currency.





Q5 Elaborate on the tools of foreign exchange risk management and techniques of exposure management.

Answer: Foreign exchange risk (also known as FX risk, exchange rate risk or currency risk) is a financial risk that exists when a financial transaction is denominated in a currency other than that of the base currency of the company. Foreign exchange risk also exists when the foreign subsidiary of a firm maintains financial statements in a currency other than the reporting currency of the consolidated entity. The risk is that there may be an adverse movement in the exchange rate of the denomination currency in relation to the base currency before the date when the transaction is completed.[1][2] Investors and businesses




Q6 Write short note on:

a. Adjusted present value model (APV model)

Answer: Adjusted Present Value Definition

Adjusted present value (APV), defined as the net present value of a project if financed solely by equity plus the present value of financing benefits, is another method for evaluating investments. It is similar to NPV. The difference is that is uses the cost of equity as the discount rate rather than WACC. And APV includes tax shields








b. Economic and political risk

Answer: Meaning and definition of economic risk

Generally speaking, economic risk can be described as the likelihood that an investment will be affected by macroeconomic conditions such as government regulation, exchange rates, or political stability, most commonly one in a foreign country. In other words, while financing a project, the risk that the output of the project will not

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MB0051-Legal Aspects of Business

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ASSIGNMENT

DRIVE
SPRING 2015
PROGRAM
MBADS/ MBAFLEX/ MBAHCSN3/ MBA – SEM 3
PGDBMN/ PGDENMN/ PGDFMN/ PGDHRMN/ PGDHSMN/ PGDIB/ PGDISMN/ PGDMMN/ PGDOMN/ PGDPMN/ PGDROMN/ PGDSCMN/ PGDTQMN – SEM 1
SUBJECT CODE & NAME
MB0051-Legal Aspects of Business
CREDIT
4
BK ID
B1725
MAX.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.

Question. 1. What are the rights of a surety?


Answer:Rights of Surety can be classified into three groups, as follows;
·         Rights against Principal debtor.
·         Rights against Creditor.



Question.2. Explain duties of a Bailor and a Bailee.

Answer:Rights of Bailer

·         If bailee does not take care and destruction of goods takes place, bailer can claim compensation.
·         If bailee uses the goods for un-authorized purposes, bailer has the right to claim compensation.
·         Bailer has the right to claim return of goods.
·         Bailer has right to claim not only delivered goods but also accruals on goods if any.
·         In case where bailee has mixed the goods and they are of sufferable nature, bailer can claim cost of separation from bailee.



Question.3. “Power of Attorney is considered as an important concept in Business Law”. Explain

Answer: A power of attorney (POA) or letter of attorney is a written authorization to represent or act on another's behalf in private affairs, business, or some other legal matter, sometimes against the wishes of the other. The person authorizing the other to act is the principal, grantor, or donor (of the power). The one authorized to act is the agent or, in some common law jurisdictions, the attorney-in-fact (attorney for short). Formerly, a power referred to an instrument under seal while a letter was an instrument under hand, but today both are signed by the grantor, and



Question.4. “The Banking Regulation Act, 1949, provides various methods of regulation of the banking business”. Describe the key areas of regulation.

Answer:The Banking Regulation Act, 1949 is a legislation in India that regulates all banking firms in India. Initially, the law was applicable only to banking companies. But, 1965 it was amended to make it applicable to cooperative banks and to introduce other changes.

The Act provides a framework using which commercial




Question.5. Explain the nature and scope of complaints under the Consumer Protection Act?

Answer:When the Consumer Protection Act was initially enacted in 1986, goods purchased for commercial purpose (excluding those purchase for earning one’s livelihood) were excluded from the purview of the Act. Yet, surprisingly services availed or hired



Question.6. Explain the need and types of meetings.

Answer:Need for meeting: Meetings are the most misused tool in a leader's communications toolkit. In most instances, meetings are used by executive leadership as a first response to most situations unnecessarily. X has just happened so we need to call a meeting, or we need to meet to talk about Y. If leaders took the time to peruse their communications toolkits they would discover they have a number of tools that would be much more effective than having a meeting. A meeting is called to assemble a number of people for a defined singular purpose. The meeting

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