NMIMS
Business
ethics
Internal
Assignment for June 2020 Examination
1. Read up on the ICICI
Bank-Videocon Loan Case from credible public sources (website, newspaper,
magazines) and answer the following questions. (Kindly mention only the facts
and not speculations or rumors). You can refer to chapter 9 & 10 to understand
the scope of the questions. Explain the TWO ethical issues or concern in the
ICICI Bank case and the negative impacts of these issues on the bank?
Answer: Corporate governance and business ethics are related with
each other which define the set of policies and procedures. It produces guiding
principles, which governs the management of the organisation. It includes
values, rules, structures, goals, performance and so on. In order to achieve
these rules and structure of corporate governance, the underlying depending
factors are transparency, disclosure of financial and non-financial
information, protection of stakeholders and integrity. The internal governing
framework acts as a roadmap for both internal and external stakeholders to
ensure the ethical functioning of the organisation. The internal corporate
governance framework differs from across organisations based on various factors
such as sociocultural environment, economic environment, government policies
and financial market systems.
The affairs of a company are directed and controlled through
the board of directors who represent the shareholders of the Its
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2. In 2015 India’s food regulator
had banned Maggi Noodles (of Nestle India) after tests showed that it contained
excessive lead and for alleged mislabelling over flavour enhancer MSG. The
product returned to stores after a court lifted the restriction. Nestlé has
since then removed the claim “No added MSG.” You can refer to chapter 4 and
answer the following question. According to you, which all internal departments
worked together to overcome the allegation and relaunch the same product in a
way that it would earn the trust of its key consumers and stakeholders? What
contributions were made by each of these departments while work together for
this common business objective?
Answer: Ethical behaviour is a possible course of action offering
potential for personal and organisational benefits. The various factors
influencing ethical behaviour are:
●
Person – The religious values,
personal standards and influence of families determine person’s ethical
behaviour.
●
Organisations – The policies,
organisational culture, codes of conduct and behaviour of the fellow workers
influence the ethical conduct in the organisation. It provides an opportunity
for the organisations to impose right conduct and equal responsibilities among
the
3. a. As an employee if you become a
whistle blower, are you being disloyal towards your employer? Yes or No? What
is/are the ethical reason/s for becoming a whistle blower?
3. b. Explain any two reasons to
showcase that study and understanding of ethics makes for a better manager,
good business and happy society?
Answer: a) Every organisation holds a responsibility to conduct
its affairs ethically. An organisation should always be aware of any misconduct
happening and a whistle blower would update the management about the
misconducts. Whistle blower is defined as a present or former employee, a
member of an organisation or a business agency, who escalates misconducts to
people or entities that have the authority and presumed willingness in taking
corrective actions. The
NMIMS
Financial
institution and markets
Internal
Assignment for June 2020 Examination
1. “Primary Market helps to
facilitate capital growth by enabling individuals to convert savings into
investments. Describe in details the techniques that companies uses to raise
the fresh capital from the primary market
Answer: Capital markets work for the creation and trading of
financial assets like stocks, bonds, hybrid instruments, commodities and
derivatives. A number of participants like brokers, dealers, investment bankers
and financial mediators operate in capital markets. Capital market is of two
types: stock markets, which trade equity instruments and the bond markets,
which trade debt instruments. Examples of Capital Market in India are the
Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE). While
commodity market comprising commodity exchanges is not usually regarded a part
of capital market, it is in a sense a market that operates on similar lines and
we will briefly cover this topic in the end. The regulation of
2. Explain why insurance sectors are
considered as financial intermediary. Discuss any four types of insurance plans
that are available in the market.
Answer: Insurance is a legal agreement between two parties i.e.
the insurance company (insurer) and the individual (insured). In this, the
insurance company promises to make good the losses of the insured on happening
of the insured contingency. The contingency is the event which causes a loss.
It can be the death of the policyholder or damage/destruction of the property.
It’s called a contingency because there’s an uncertainty regarding happening of
the event. The insured pays a premium in return for the promise made by the
insurer.
Broad category of
3. Ms. Goyal, after completing her
graduation, recently joined a bank. With a steady income and good growth
prospects for her career, she intends to save regularly and increase the amount
of savings gradually over the years. Her colleagues in the bank have advised
her investing in Mutual Funds (MFs), as a suitable option for her. However, Ms.
Goyal is not at all familiar with MFs. Advise Ms.Goyal with the below queries:
a. Explain brief on Mutual Funds and
its features.
b. Enumerate any four types of
Mutual Fund to Ms.Goyal.
Answer: a) Mutual funds are a collection of stocks and bonds. It
can be defined as the money that is pooled together by a large number of
investors who give their money to a fund manager to invest in large portfolio
of stocks or bonds for a small fee. Mutual funds are advantageous because of
its cost-efficiency, risk-diversification and professional management nature.
Since mutual funds involve investment in different assets, a loss experienced
in one asset investment can be recovered from the gains obtained from the other
asset investment.
Characteristics of Mutual funds
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NMIMS
Marketing
research
Internal
Assignment for June 2020 Examination
1. As a researcher, you need to
study how many kirana stores in Mumbai sell Lizol brand and range of products
(Surface cleaner, Bathroom power cleaner & Kitchen power cleaner.) Which
non-probabilistic sampling method would you use to complete your research? Also
state the reasons behind choosing that method. Also explain as to how you will
proceed ahead with choosing the areas / localities in Mumbai to conduct your
research along with timelines.
Answer: Sampling is the process of selecting a suitable sample, or
a representative part of a population for the purpose of determining
characteristics of the whole population. The main aim of sampling is to draw
inferences about populations from samples, rather than a complete enumeration
(a census) of the population. To study a portion rather than the whole is
cheaper and more convenient. A population is a group of persons, individuals,
items or objects from which samples are taken for measurement. A sample is a
finite part of a statistical population whose properties are studied to gain
information about the whole. When people are involved, it can be defined as a
set of respondents (people) selected from a larger population for conducting a
survey i.e., it is a part of target population, carefully selected to represent
the population.
NON-PROBABILITY SAMPLING
These methods do not
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2. You are the Head of a Market
Research Organisation. Your client has recently introduced “iD Traditional
Filter Coffee Decoction”. Your client wants to understand how customers are
reacting to their recently launched Filter Coffee Decoction. Draft a
Questionnaire containing not more than 20 questions that would succinctly
address the query posed by the client.
Answer: A target market customer profile identifies the customer
most likely to buy your product or service. While some companies create
products around a customer profile, others identify the customer profile once
marketing strategies are developed. The target customer profile identifies
shared characteristics, behaviors and attitudes the target customers have, and
this knowledge is used when creating captivating marketing materials and
promotions. Having a solid and suitable target customer profile may increase
your company’s profits because people in need are buying the products or
services.
A questionnaire is a series of questions asked to
individuals to obtain statistically useful information about a given topic.
When properly constructed and responsibly administered, questionnaires become a
vital instrument by which statements can be made about specific groups or
people or entire populations. Questionnaire is a source of collecting primary
data. These are frequently used in quantitative marketing research and social
research. They are a valuable method of collecting a wide range of information
from a large number of individuals, often referred to as
3. You have been recently appointed
as a “New Product Development” Head for Kellogg’s Corn Flakes which operates
across pan India. You have been asked to develop 2 new innovative products as
part of their Menu.
a. Explain the process in detail to
arrive at the creation of your 2 new products
b. Is there a need to conduct Test
Marketing post creation of the 2 innovative products? If Yes or No, please
state your reasons to support your answer.
Answer: a) New product
development process
Concept generation and market
structure identification:
The first stage of new product’s evolution begins with an idea for the product.
Hence this stage is also termed as ‘idea generation’. Here company has to
create two innovative products for the customers so concept is creating two
products. The next step in the process of new product development process is to
implement a market structure. This process delineates the consumer’s perception
of market. In this step, the potential of a new product entry into the market
structure is estimated. The purpose of developing such a model helps in
establishing a rough estimate of the size of the business potential. Later,
ideas collected are scrutinised to eliminate those inconsistent with the
product policies and objectives of the firm. The main intention of this phase
is only to eliminate unsuitable ideas as quickly as possible. Basically, by
this time, you made your mind about your new product and how will you proceed
further to develop it. You should check the quality, features, taste, price and
initial response of your innovative products and how well it will attract the
customers when you commercially launch them. Corn flakes are still used by
NMIMS
Project
management
Internal
Assignment for June 2020 Examination
1. Your organization is looking for
procuring project management software. You are asked to prepare a file note
describing how this software will help your organization. You are required to
list at least three project management software tools with details such as
salient features, cost, etc. You are also asked to recommend a specific
software tool with proper justification. Please introduce your organization
before sharing your file note.
Answer: Project management software is an important tool that
helps a project manager in managing and completing projects within the allotted
time and budget, especially in large and complex projects.
Some of the key features of project management software are
as follows:
●
Identifying problems at an early stage, so that it can be fixed
easily
●
Optimising the use of resources to complete the tasks quickly
●
Updating the plan quickly to implement changes in the schedule
●
Updating changes in schedule and role of team membe
2. You are celebrating the
successful completion of a project. During the party, the Vice President of
Projects in your organization pulled you aside and asked you the secret of the
success of the project. You shared few points, which seemed to have impressed
her. Next day, you got an email from her to submit a brief report describing
the key factors that led to successful completion of your project. The report
is also expected to provide top two recommendations to other project managers.
Please introduce your organization before sharing your brief report.
Answer: A cautiously planned and organised effort to complete a
successful project is called project management. In the absence of structured
approach, it is difficult to complete the projects effectively. Furthermore,
project management is aimed at reaching the end point predictably, within the
specified time limits and pre-decided cost. Though the term project management
is now universally familiar, still many people do not understand what exactly
project management involves. In proper terms, it includes developing a project
plan, identifying the tasks and how the goals will be achieved, quantifying the
resources needed, and determining the budgets and timelines for completion. It
involves the activities that meet the specific objectives and can Its
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3. “No! I have worked on this concept
for so long and I don’t want some bean counters coming and telling me to stop
working on it” Natasha was very upset since the Head of Accounting &
Finance department have told her boss to immediately stop the work as his
department didn’t find the proposed project financially viable.
“Don’t get emotional!” Jaywant
started talking to Natasha. Being a good friend, Jaywant wanted to help her.
“First of all, tell me how the NPV and IRR figures looked for your proposed
project.” “I am not sure,” Natasha was candid. “I didn’t do those calculations
since I was busy with other parts of the project proposal.”
“That’s a great mistake, I must say.
You must do these calculations and then get them verified by our Accounting
& Finance department. I can help but I would suggest you take help of
Manish. He is not only expert is this type of analysis but he also respects
your engineering abilities and will surely like to find the way out to save
your proposed project” Jaywant’s words helped Natasha to get out of her chair
as she moved to her phone for calling Manish.
a. How will Manish explain the
concept of NPV to Natasha?
b. How will Manish explain the
concept of IRR to Natasha?
Answer: a) Before starting any project, you should check the
feasibility of the project using various appraisal methods such as NPV and IRR.
The NPV method
The NPV is one of the most widely used methods of evaluating
capital budgeting decisions. This method is also used to evaluate the
profitability of a project. As the name suggests, the NPV is the difference
between the present value of cash inflows and cash outflows in a given project.
The steps for calculating the NPV
can be briefly described as follows:
1. Forecasting cash
flows: This step involves estimating the cash inflows and cash outflows in
the specified duration of the project. An accurate estimation of cash flows
helps in determining the actual profitability of the project.
2. Estimating
required rate of return: This step involves determining the required rate
of return on a project at which the present value of cash flow is calculated.
Generally, the opportunity cost of the capital is
NMIMS
Services
marketing
Internal
Assignment for June 2020 Examination
1. The recent epidemic of
Coronavirus has really affected the world very badly. One of the sectors worst
affected are Travel & Tourism. SOTC India has seen a severe fall in
business in the last few months and does not see light at the end of the tunnel
anytime soon. If the situation continues this way, it may lead to them shutting
down many of their branches and laying of many employees. The sluggish Indian
economy is not helping their case too. You are hired as a consultant by them to
suggest possible solutions and strategies in order to combat this problem? Keep
in mind IIHS and the service marketing mix.
Answer: People include the customers, employees, and management.
An essential ingredient to any service provision is the use of appropriate
staff and people. In service marketing, customers also have an active role in
the service delivery. A good service provider should ensure that the service as
well as its experience delights the customers and not just satisfies him/her.
Customers should look forward for such experience and benefit from service. For
example, home delivery of restaurant food requires the involvement of people –
order takers, cooks, parcel handlers, delivery boys and of course the customer
who has to provide correct details about his address, dishes ordered and pay
the bill immediately at delivery.
Service industry is all about serving people, so they should
all be satisfied with the services provided to them. To provide better service,
employees should be well trained, skillful and experienced. Service
2. The recent judgement by the
Supreme Court with regards to AGR has forced Vodafone Idea to pay a huge amount
as fine before the deadline. This hurts the already bleeding company even more.
Post the entry of Jio, the telecom market has gone through a complete turmoil
with the low rates and growing taxation burden. The situation has turned so bad
that Vodafone wants to quit the Indian Market. The recent price increase has
not helped improve the situation a lot. Can you as a student of Service
Marketing analyze the problem at hand and provide possible solutions and
revenue streams or methods to contain losses? Use the SERVQUAL Model to analyze
the same? Also use the concept of Customer Loyalty to your advantage?
Answer: Today, the customer, who is being provided with an array
of choices, is the king. He can choose what to buy what not to buy and from
where, so a good retailer will always strive to achieve the maximum customer
satisfaction. After the customer satisfaction comes the loyalty to the
customer, which plays a major role in bonding and cementing the relationship of
the retailer and the customer. Last but not the least is the profit part, which
without saying is the most important aspect of any business.
Today, many organizations are faced with significant
challenges in the area of customer service and service delivery, both
internally and externally. The constant change in demographics coupled with
high customer expectations is making organizations rethink its customer service
strategies. Strategies and tactics that worked in the past are less effective
and require more effort to execute. In an era where service has become a
defining factor for customers,
3. The recent decision by the Indian
Government to divide the State of Jammu & Kashmir into Union Territories
and open it for investors of the world has been met with a lot of cheer by the
Industry. Kashmir sure has a lot to offer but it also brings with it, its
shares of problems. Use the Service Branding Model, Service Communication Model
and Moment of Truth to your advantage?
a. You are a part of the planning
team organizing a summit to invite investors from the service sector to tap
Kashmir’s potential. Can you suggest strategies in order to woo the investors?
b. Can you also enlist the hurdles
that will come by and suggest possible solutions for the same?
Answer: a) Branding demands a thorough study of the target market.
It must be able to do more than just gauge the pulse of current customer
requirements; it must anticipate or create anticipation. In other words; it is
a strategy that must remain two steps ahead of current trends and patterns,
always in synchronization and always promising
Kashmir is one of the most beautiful and excited places in
our country and after the recent announcement, investors are free to invest in
Kashmir and make the infrastructure stronger than ever. India plans to offer
around 6,000 acres (2,400 hectares) of land in Kashmir as part of a business
summit.
Strategies in order to woo the
investors
Strong
brand equity: To build a strong brand, we need
to understand what contributes to brand equity. Its half solved sample
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NMIMS
international
finance
Internal
Assignment for June 2020 Examination
1. CQS plc is a UK company that sells goods
solely within UK. CQS plc has recently tried a foreign supplier in Netherland
for the first time and need to pay €250,000 to the supplier in six months’
time. You as financial manager are concerned that the cost of these supplies
may rise in Pound Sterling terms and has decided to hedge the currency risk of
this account payable. The following information has been provided by the
company’s bank:
Spot rate (€ per £): 1·998 ±
0·002
Six months’ forward rate (€ per £): 1·979 ± 0·004
Money market rates available to CQS plc:
Borrowing Deposit
One-year Pound Sterling interest rates: 6·1% 5·4%
One-year Euro interest rates: 4·0% 3·5%
Assuming CQS plc has no surplus cash at
the present time you are required to evaluate whether a money market hedge, a forward
market hedge or a lead payment should be used to hedge the foreign account
payable.
Answer: CQS plc should place sufficient
Euros on deposit now so that, with accumulated interest, the six-month
liability of €250,000 can be met. Since the company has no surplus cash at the
present time, the cost of these Euros must be met by a short-term Pound
Sterling loan.
Six-month
Euro deposit rate = 3·5/2
=
1·75%
Current
spot
2. On 30th June 2009 when a forward
contract matured for execution you are asked by an importer customer to extend
the validity of the forward sale contract for US$ 10,000 for a further period
of three months.
Contracted Rate US$1 = Rs.41.87
The US Dollar quoted on 30.6.2009
Spot Rs.
40.4800/Rs. 40.4900
Premium July 0.1100/0.1300
Premium August 0.2300/0.2500
Premium September 0.3500/0.3750
Calculate the cost for your customer in
respect of the extension of the forward contract.
Rupee values to be rounded off to the
nearest Rupee.
Margin 0.080% for Buying Rate
Margin 0.25% for Selling Rate
Answer: This extension of forward
Contract involves following steps
·
Cancel the contract at TT buying rate.
·
Rebook the contract for three months at the current
rate of exchange.
Accordingly
Step
1: Cancel the contract at TT buying rate on 30.6.2009
Rs.
Spot
US$ 1 40.4800
Less:
Margin 0.080% 0.0324
40.4476
3. Wenden Co is a Dutch-based company
which has the following expected transactions.
One month: Expected receipt of £2,40,000
One month: Expected payment of £1,40,000
Three months: Expected receipts of £3,00,000
The finance manager has collected the
following information:
Spot rate (£ per €): 1.7820 ±
0.0002
One month forward rate (£ per €): 1.7829 ± 0.0003
Three months forward rate (£ per €): 1.7846 ± 0.0004
Money market rates for Wenden Co:
Borrowing Deposit
One year Euro interest rate: 4.9% 4.6%
One year Sterling interest rate: 5.4% 5.1%
Assume that it is now 1 April.
Required:
a. Calculate the expected Euro receipts
in one month and in three months using the forward market.
b. Calculate the expected Euro receipts
in three months using a money-market hedge and recommend whether a forward
market hedge or a money market hedge should be used.
Answer: (a) Forward market evaluation
Net
receipt in 1 month = £2,40,000 – £1,40,000 =
£1,00,000
WendenCo
needs to sell Sterlings at an exchange rate of (1.7829 + 0.0003)= £1.7832 per €
Euro
value of net receipt = 1,00,000/ 1.7832 =
€56,079
Receipt
in 3 months =
£3,00,000
Wenden
Co
NMIMS
Strategic
Financial Management
Internal
Assignment for June 2020 Examination
1. From the following information of the
two projects calculate the net present value and suggest which of the two
projects should be accepted assuming a discount rate of 10%.
TABLE GIVEN BELOW
|
|
Project X
|
Project Y
|
|
Initial
Investment
|
₹ 25,000
|
₹ 30,000
|
|
Estimated Life
|
5 years
|
5 years
|
|
Scrap Value
|
₹1,500
|
₹2,000
|
The profits
before depreciation and after taxes are as follows:
|
Years
|
1
|
2
|
3
|
4
|
5
|
|
Project X(₹)
|
5000
|
10000
|
12000
|
7000
|
3000
|
|
Project
Y(₹)
|
20000
|
10000
|
7000
|
5000
|
2000
|
Answer: Calculation of NPV
2. Nisha has completed her MBA and has
joined a company which was going to raise fund from long term sources such as
Debt and Equity. Nisha was asked by her manager to prepare a report on which
could be a better source of funding for the firm mentioning the advantages of
each to be presented to the Management so that it is easy for them to take the
decision. Help her to prepare the report.
Answer: The business environment of a
firm has a presence of various lenders and investors. However, the firm/business
needs to make a choicebetween the lenders and investors. The possible sources
of fund for acompany can be debt, equity or any combination thereof. The
equityholders are the owners of the company while the debt holders are
thecreditors of the firm to whom a fixed amount of payment (principaland
interest) is made on a regular basis.In debt financing, a promise is made to
pay back the borrowed amountalong with an interest. On the other hand, in
equity finance, the
3. The following information is given for
Delta Ltd.
Earnings per share ₹ 15
Dividend per share ₹5
Cost of Capital 15%
Internal Rate of Return on Investment 20%
Retention Ratio 65%
Calculate the market price per share
using
a. Gordon’s Dividend Model
b. Walter’s Dividend Model
Answer: Given:
E
= Earnings is ₹15 per share
k
= Cost of capital to the firm is 15%
r
= Return on investment of 20%
D
= dividend = ₹5
b
= retention
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NMIMS
B2B
marketing
Internal
Assignment for June 2020 Examination
1. Crompton Greaves Ltd is the
leader in Indian Domestic market for electric motors, which conform to Indian
& International Standards. The company faces a severe competition from
small scale motor manufacturer as well as large global players like Siemens
& ABB. What suggestions you would like to give to the company to maintain
its leadership position in this product category?
Answer: Organisations that enjoy competitive advantage are able to
produce or sell more goods effectively. Marketers usually develop business strategies
to gain competitive advantage over other organisations in the industry. Michael
Porter asserts that the effectiveness and supremacy
of organisations in business markets are due to two main
factors: their ability to be cost-effective and their ability to provide a
differentiated product offering. According to Porter, these two factors
combined with the range of activities that the organisation involves itself in
to achieve their abilities lead to three generic competitive strategies:
differentiation, cost leadership and focus.
To maintain the leadership position
in the market, Crompton Greaves should focus on any of the below strategies:
Cost leadership strategy is based on exploiting some aspects
of the production process, which can be executed at a cost significantly lower
than that of competitors. There can be various sources of this
2. An automobile component OEM
manufacturing alternator has appointed your advertising agency to design the
promotional strategy for their product. You are required to prepare a marketing
communication campaign & select appropriate media vehicle for the same
keeping in mind the target audience.
Answer: Communication is a process whereby the meaning is defined
and shared between living organisms. Communication requires a sender, a
message, and an intended recipient, although the receiver need not be present
or be aware of the sender's intention to communicate at the time of
communication. Thus, communication can occur across vast distances in time and
space. Communication requires that the communicating parties share an area of
communicative commonality. The communication process is complete once the
receiver has understood the sender.
A communication plan is a strategic application of
transferring the important information to your target audience. The plan
defines the need of communication, its audience, objective, time of its
delivery and communication medium to be used. Communication is as important for
any business or organization as the entire process to meet the end result. An
effective communication plan helps you with Its half solved sample
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3. Read the following Case &
solve the questions given:
ABC is a leading brand of furniture
in B2C segment having presence in various cities in India. ABC now plans to
introduce in B2B category by launching a product line in the office furniture
category. It intends to sell both Indian as well as imported furniture so as to
cater to the different needs & wants of the target audience. It intends to
target corporates but is not clear how to go about marketing & selling it
to corporates (B2B) as ABC was always involved in selling home furniture (B2C).
a. Suggest positioning strategies to
be adopted by ABC for their new product line in B2B Category.
b. Suggest a suitable sales
promotion strategy for ABC’s new product line of office furniture.
Answer: a) Positioning is an act of developing the company’s
offerings and image to occupy a distinct place in the minds of the target
market. Positioning is a consumer driven strategy in which the objective is to
occupy a unique place in the customer’s mind and maximize its potential benefit
for the firm. Each brand must thus be ‘positioned’ in a particular class or
segment. Example, Mercedes is positioned for luxury segment and Volvo is
positioned for safety. The position of a product is the sum of those attributes
normally ascribed to it by the consumers – its standing in the market, its
quality, the type of people who use it, its strengths, its weaknesses, its
price, the value it represents, and any other unusual or memorable
characteristics it may possess.
Positioning strategies to be adopted
by ABC
●
Positioning by
Attributes, Features or Customer Benefits: Marketers, while using this approach, place
emphasis on the benefits of the particular features or attributes of the
offering.
NMIMS
Integrated
marketing communications
Internal
Assignment for June 2020 Examination
1. You are a baker and have set up
your own Bakery. You have the resources and enough space to fulfill orders in
New Mumbai. Describe how would you promote your brand to maximize the no. of
orders per day?
Answer: Sales promotions are short term incentives provided by the
company to boost sales. In other words, sales promotion includes several
communications activities that attempt to provide added value or incentives to
consumers, wholesalers, retailers, or other organizational customers to
stimulate immediate sales. Some marketers tried reaching customers directly
with these tools on a one-to-one basis to assess whether this can stimulate
immediate behavioural response and now direct marketing is a rapidly growing
discipline in marketing.
According to the Institute of Sales
Promotion,
"Sales Promotion comprises that range of techniques
used to attain sales or marketing objectives in a cost effective manner by
adding value to a product or service either to intermediaries or end users,
2. You are the brand manager of a
hygiene soap which protects you from germs. You have launched a campaign to
build awareness on the importance of washing hands. For this the brand has tied
up with an NGO to create awareness across the country especially in smaller
towns. How will you leverage this association to build positive equity for your
brand?
Answer: Brands are everywhere in our life. A product is anything
that can be offered to a market for attention, use, or consumption that might
satisfy a need or want. A product is a physical good, service, retail store,
person, organisation, place, or idea. A brand helps the customer to distinguish
the goods of one producer from another. Let us understand the conceptual
meaning of the term brand. A person is known by a name. Likewise, a product is
known by a brand name, which enables the consumers to distinguish it from other
products. A brand name of a product or service means many things to a consumer.
It may mean a symbol of quality or it may be associated with his/her lifestyle.
In fact, consumers buy brand images rather than products. Certain brands strike
a chord as soon as the product is announced. Its half solved sample
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3. Case Study
ICICI ropes in Shahrukh khan as
their Global Brand Ambassador
You are Brand Manager at ICICI –
Retail Banking and have tied up with Shahrukh Khan as the Brand ambassador.
a. Think of an interesting active
integration of ICICI in the next Shahrukh film.
b. How would you leverage Shahrukh
to promote your brand?
Answer: Brands are everywhere in our life. A product is anything
that can be offered to a market for attention, use, or consumption that might
satisfy a need or want. A product is a physical good, service, retail store,
person, organisation, place, or idea. A brand helps the customer to distinguish
the goods of one producer from another. Let us understand the conceptual
meaning of the term brand. A person is known by a name. Likewise, a product is
known by a brand name, which enables the consumers to distinguish it from other
products.
There are some points which should be checked while
selecting a brand ambassador
Character: Selected brand ambassador should
have good and clean character so that people can connect with him/her and trust
his/her sayings about the product.
Personality: It is essential to have pleasant
personality for a brand ambassador such as good image, fun loving,
NMIMS
Insurance
and risk management
Internal
Assignment for June 2020 Examination
1. “An Insurance policy acts as a
safeguard mechanism for an individual or organisation to reduce the effect of
loss caused by various risk”. Describe the prerequisites or steps you would
take for buying an insurance policy.
Answer: Insurance is a mechanism by which the financial loss
experienced, either due to the damage or loss of asset because of happening of
some uncertainties, is transferred to an insurance pool. It is a loss
distribution method in which the loss or damages suffered by one individual is
distributed to all the members of the insurance pool. As such, it saves the
owners from risk of one asset and balances the risk (damages or loss of the
asset) by providing the compensation, i.e., making good loss. Thus, it never
acts as a force to curb the prevailing risk to the asset due to happening of
uncertainties, but it reduces the loss of the assets damaged. It only gives
alternate benefit, payment of compensation from the common fund of insurance
business capital and
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2. Principles of Insurance forms the
backbone of the entire sectors. Enumerate with examples any three such
principles.
Answer: Principles of
Insurance
Principle of insurable interest: A fundamental legal principle that
strongly supports the principle of indemnity is that of insurable interest,
which holds that an insured must demonstrate a personal loss or else be unable
to collect amounts due when a loss caused by an insured peril occurs. If
insureds could collect without having an insurable interest, a moral hazard
would exist, and the contract would be deemed contrary to public policy. The
doctrine of insurable interest is also necessary to prevent insurance from
becoming a gambling contract. An
3. Jatin has recently started
working with a renowned MNC after passing out of a premier BSchool. A senior
colleague has suggested him to take a life insurance policy. However, Jatin is
not convinced with the idea of taking a life insurance policy and is unaware of
the various life insurance products which are available in the market. As a
friend of Jatin You need to make Jatin understand the following:
a. Explain the concept of life
insurance to Mr. Jatin and highlight the importance of a having life insurance
policy
b. Help Jatin in explaining the
various types of life insurance policies which are available in the market.
Answer: a) Life insurance is one of the most important and
expensive purchases you may ever make. When persons purchase a life-insurance
policy, they enter into a contract with the life insurance company. Under the
terms of the policy, the insurance company promises to pay a sum of money in
the event of the policyholder’s death to the beneficiaries of the policy holder
or to the policy holders themselves at the end of the policy period. The
insurance company makes this promise in return for the insured’s agreement to
pay it a sum of money i.e., the premium periodically.
Most of the people buy life insurance to protect their
dependants from financial losses caused by their death. Their dependants
NMIMS
International
banking
Internal
Assignment for June 2020 Examination
1. Mumbai Ltd. is an Indian company,
they are in process of raising a US dollar loan and are negotiating rates with
City Bank. The Company has been offered a fixed rate of 7% p.a with a proviso
that should they opt for a floating rate, the interest rate is likely to be
linked to the bench mark rate of 60 basis points over the 10 year US T Bill Rate,
with interest refixation on a three monthly basis. The expectations of Mumbai
Ltd. are that the dollar interest rates will fall, and are inclined to have a
flexible mechanisms built into their interest rates. On enquiry they find that
they could go for swap arrangement with Chennai India Ltd. who have been
offered a floating rate of 120 basis points over 10 year US T Bill Rate, as
against a fixed rate of 8.20%. Describe the swap on the assumption that the
swap differential is shared between Mumbai Ltd. and Chennai India Ltd. in the
proportion of 2: 1.
Answer: Mumbai Ltd. expects that interest rate will fall so they
should opt for floating interest. Swap arrangement can be as under:
The rates are identified:
|
Company
|
Fixed
|
Floating
|
|
Mumbai Limited
|
7%
|
Bench Mark+ 60 basis points
|
|
Chennai India Limited
|
8.20%
|
Bench Mark+120 points
|
The net differential of the two
types of interest rates between the two companies are:
Fixed Interest differential: 8.20-7.00 = 1.20
Floating interest differential: 1.20-0.60 = 0.60
Net differential: 0.60*
* This gain as per
2. XYZ Ltd. Is planning to import a
multi-purpose machine from Japan at a cost of 3400 lakhs yen. The company can
avail loan at 18% interest per annum compounded quarterly with which it can
import the machine. However, there is an offer from Tokyo branch of an India
based bank extending credit of 180 days at 2% per annum against opening of an
irrevocable letter of credit. Other information: -
Present exchange rate Rs. 100 = 340
yen
180 days forward rate Rs. 100 = 345
yen
Commission charges for letter of
credit at 2% per 12 months.
Advise whether the offer from the
foreign branch should be accepted?
Answer: Option I (To
finance the purchase by availing loan at 18% per annum):
Cost of machine Rs.
in lakhs
3,400 lakh yen as Rs.100 = 340 yen = 1,000.00
Add: Interest at 4.5% I Quarter = 45.00
Add: Interest at 4.5
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3. Nitrogen Ltd, a UK company is in
the process of negotiating an order amounting to €4 million with a large German
retailer on 6 months credit. If successful, this will be the first time that
Nitrogen Ltd has exported goods into the highly competitive German market. The
following three alternatives are being considered for managing the transaction
risk before the order is finalized.
i. Invoice the German firm in
Sterling using the current exchange rate to calculate the invoice amount.
ii. Alternative of invoicing the
German firm in € and using a forward foreign exchange contract to hedge the
transaction risk.
iii. Invoice the German first in €
and use sufficient 6 months sterling future contracts (to the nearly whole
number) to hedge the transaction risk.
Following data is available:
Spot Rate € 1.1750 - €1.1770/£
6 months forward premium 0.55-0.60
Euro Cents
6 months future contract is
currently trading at €1.1760/£
6 months future contract size is
£62500
Spot rate and 6 months future rate
€1.1785/£
Required:
a. Calculate to the nearest £ the
receipt for Nitrogen Ltd, under each of the three proposals.
b. In your opinion, which
alternative would you consider to be the most appropriate and the reason
thereof.
Answer: Assuming that 6 month forward premium is considered as
discount, because generally premium is mentioned in ascending order and
discount is mentioned in descending order.
i) Receipt under three proposals
a) Invoicing in pound sterling: € 40,00,000/1.1770= £
33,98,471
b) Use of
NMIMS
Treasury
management
Internal
Assignment for June 2020 Examination
1. Explain the various approaches to
measure risks. As a treasury manager of a bank, which approach will you follow
to evaluate stress events of liquidity position of your bank.
Answer: Risks in the organisation are usually considered as
trade-off between reward and threat. Only if the risks are accepted, there will
be greater opportunities to reap benefits. The main objectives of risk
management include maximising profits, creating opportunities out of risks,
protecting organisation’s assets etc. Risk management deals with balancing
risks and controls. Banks are exposed to different types of risks that may have
a negative effect on their business.
Risk measurement by banks
Management of risks enables the organisations to reduce risk
levels in order to meet the profit targets. It deals with
2. Explain duration GAP analysis in
banks. Calculate the duration Gap of the following excerpts from the balance
sheet of a bank. Also calculate the impact on the equity of the bank in the
different interest rates scenarios.
Balance Sheet for Hypothetical Bank
Particulars Assets Duration
Liabilities Duration
Current Assets 1000 7 years Current Liabilities 700 5
Years
Fixed Assets 300 Other
Liab. 300
1300 Equity
300
1300
Scenarios for Impact analysis:
1. Interest rates increased by 1%
2. Interest rates decreased by 1%
Answer: Gap analysis is a technique which is used to measure the
interest rate risk. The unexpected changes occurring in interest rates which hamper
the organisation’s profits and market value of equity can be measured using gap
analysis. The various forms of gap analysis used for measuring interest rate
risk are:
●
Duration gap analysis – This method evaluates
the sensitivity between the net worth market value of financial instruments to
the changes in interest rates.
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3. Maruti Suzuki Ltd. has imported
machinery worth 1 million USD and the invoice is payable in 90 days. Current
Spot rate in the market is USD/INR 75 while 90 Days forward is quoted at
USD/INR 76. The prominent economists predict the spot rate after 90 days at
USD/INR 76.5. Cost of Borrowing for Maruti in India is 10% and USD Interest
Rate = 2%. A 90 days Call option with exercise price of USD/INR 75 for 100,000
USD is available at premium of INR 2. You are required to calculate impact on
transaction exposure under following scenarios:
a. Company decides to use Forwards
& Options for hedging
b. Company decides to use Money
Market hedging
Answer: a) i) At forward, obligation would be
$10,00,000*76 = 7,60,00,000
ii) At call option
Call option of 75 bought at premium of Rs. 2
Initial amount paid for premium = $10,00,000*2= 20,00,000
As spot rate after 90 days is 76.5 which is more than the
call price i.e. Rs.75, hence, Maruti will exercise call at 75.
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