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1. Dear students, get latest Solved NMIMS assignments and case study help by
professionals.
Mail us at : help.mbaassignments@gmail.com
Call us at : 08263069601
NMIMS Global Access
School for Continuing Education (NGA-SCE)
Course: Retail Banking
Assignment Marks: 30
Instructions:
 All Questions carry equal marks.
 All Questions are compulsory
 All answers to be explained in not more than 1000 words for question 1 and 2 and for question 3
in not more than 500 words for each subsection. Use relevant examples, illustrations as far
aspossible.
 All answers to be written individually. Discussion and group work is not advisable.
 Students are free to refer to any books/reference material/website/internet for attempting
theirassignments, but are not allowed to copy the matter as it is from the source of reference.
 Students should write the assignment in their own words. Copying of assignments from
otherstudents is not allowed.
 Students should follow the following parameter for answering the assignment questions.
For Theoretical Answer For Numerical Answer
AssessmentParameter Weightage AssessmentParameter Weightage
Introduction
20%
Understandingandusage
of the formula 20%
ConceptsandApplication
relatedtothe question 60%
Procedure /Steps
50%

2. Conclusion
20%
Correct Answer&
Interpretation 30%
June 2021 Examination
1. Retail Banking has always been and will continue to be characterized as a mass
segment that has a large customer base involving high-volume and low-value accounts. What
are Banks doing to attract customers in this segment and managing to provide good customer
experience to its customers despite the size / volume? (10 Marks)
Answer 1.
Introduction
Retail banking is a significant form of commercial banks but mainly aimed at consumers instead
of business customers. It is the method used by banks for selling products to customers. The
products are customer such as car loans, housing loans, financial support for consumer
durability, etc. Consequently, retail banking has a loyal customer base and, therefore, many
small transactions. In a fiercely competitive world, it can, therefore, be cost-effective. Retail
banking does most rural and semi-urban branches. Retail banking involves minimal demand-
driven marketing efforts. The diverse
2. Retail Banking is a mass segment that has a large customer base involving high-volume and
low-value transactions. Describe the role and application of Technology that Banks are using
to manage business volume, operational complexities, risk, and customer service. (10 Marks)
Answer 2.

3. Introduction
Technology transforms the way individuals interact, discover, and imagine. It encourages
civilization and defines how personalities interact with each other daily. Technology plays a vital
role in society today. The technology used in retail banking, transforming banking services
activities, is digital account opening,
3. “Bank Conventional Limited” is a well-established traditional Retail Bank operating in India
and is almost a 75-year-old Bank. It relied very heavily on its strength of physical distribution
of about 1000 branches across in the country. Over the last 10 years this Bank did not invest
much on Technology. On the other hand, a new generation bank called “Bank Modern
Limited” has always been tech savvy with substantial investment every year on new
technology etc., This Bank was started in 2010 and currently has a branch network of 100
Branches only.
a. Analyze the various challenges that ‘Bank Conventional Limited’ will be facing today across
multiple operational and business parameters (5 Marks)
Answer 3a.
Introduction
Traditional banks are financial entities that administer the money their customers deposit
under custody, while the bank uses that money to lend it to consumers and enterprises
charging their interest. The central bank issues the money and makes a profit. This is generally
the commercial activity that has often been

4. b. Analyze the various benefits that ‘Bank Modern Limited’ enjoys today across multiple
operational and business parameters (5 Marks)
Answer 3b.
Introduction
The various benefits that ‘Bank Modern Limited’ enjoys today across multiple operational and
business parameters are the following:
Banking is faster and more efficient than before. Processes and procedures have become much
quicker and easier to maintain and retrieve. The central banking system is also improved by
computerized banking.
Concept and Application
Efficiency increase
Dear students, get latest Solved NMIMS assignments and case study help by
professionals.
Mail us at : help.mbaassignments@gmail.com
Call us at : 08263069601