Retail Banking and Commercial Banking System and Role of RBI NMIMS Assignment Dec 2019

Retail Banking

1. The banking sector has reached out to global customers crossing boundaries in the recent times. With reference to retail banking briefly discuss the following aspects of globalization in retail banking. Discuss any five marketing strategies adopted by banks to attract customers

2. Lending is the prime business of any banks and thus forms an integral part in the business growth. As a bank describe which all factors or principles should be considered while lending to the borrowers.

3. The Retail Banking environment has witnessed a sea change in the past few years. With the entry of private and foreign sector banks, the Retail banking has taken a new customer centric shape wherein the customers are given lot of privileges, options in term of products and service. Keeping these changing dynamics in the financial world discuss the following assuming that a leading Global MNC Bank is planning to open the branches in the metro cities of India. Based on the above case, discuss the following:

a. The various Retail Banking products that the bank can offer to its target customers

b. Apart from branch operations briefly discuss the various channel partners that the bank has as an option to reach out to these customers

Commercial Banking System and Role of RBI

1. Mr. Arora is a Deputy Manager in a reputed commercial bank. Swaraj have recently been appointed as an intern in the bank. As a part of his assignment, Swaraj need to learn the basic dynamics in the banks that are required for appraising proposal for the term loans. Discuss.

2. Financial intermediaries play a vital role in the Indian financial system. Discuss any five financial intermediaries in the financial system that helps in economic development of the country.

3. Mr Ghanshyam has been newly appointed manager in a newly established private bank. As a manager discuss on the following:

a. Highlight the different types of risks involved in banking business.

b. Enumerate the steps in a risk management process.