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Retail Banking
September
2023 Examination
Q1. An effective lending
life cycle results in sustained revenue generation, healthy loan portfolio and
reduction in NPA level. Discuss the different stages of loan origination. Also
discuss the essentials of good credit. (10
marks)
Ans:
Introduction:
An effective lending life cycle is crucial for
financial institutions to ensure sustained revenue generation, a healthy loan
portfolio, and decreased non-performing assets (NPAs). The loan origination
manner is pivotal in this cycle, setting the foundation for the entire lending
system. It involves various ranges that should be carefully executed to
minimize dangers and maximize profitability. Maintaining a good credit
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Q2. Banks while granting
loans insist on security. The reasons are obvious like reducing risk as
security helps the bank in time of loan recovery. What is the difference
between Primary security and Collateral security, what would be the features of
collateral security? In case of a car loan, what is primary security and
collateral security (specify any four different types of collateral security). (10 marks)
Ans:
Introduction:
In
banking and lending, security performs a vital function in mitigating risk and
ensuring the compensation of loans. Financial institutions like banks often
require borrowers to protect while granting loans. The two primary forms of
safety banks utilize are direct and collateral security. While both sorts serve
the cause of reducing risk, they range in their nature and the level of safety
they offer. This essay aims to explore the differences between primary security
and collateral security, delve into the features of collateral security, and
discuss the specific types of collateral security involved in a car loan.
Q3. Technology is the
driving factor to increase efficiency and smooth functioning of banks.
a)
Explain
Authentication factor and explain any three authentication factors. (5 marks)
Ans:
Introduction:
In
today's digital age, generation performs a pivotal role in enhancing the
efficiency and capability of banks. Ensuring secure access to financial systems
is paramount with the increasing prevalence of online transactions and digital
banking offerings. Authentication factors are vital in establishing the
identity of people searching for access to touchy financial information. This
b)
What
is cloud banking – its advantages and disadvantages. (5 marks)
Ans:
Introduction:
In
today's virtual age, the era is pivotal in transforming diverse industries, and
banking is no exception. Cloud computing has emerged as a powerful tool
allowing banks to enhance efficiency and streamline their operations. Cloud
banking utilizes computing offerings to save, manage, and process banking data
and applications.
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