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1. Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
help.mbaassignments@gmail.com
or
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AEREN FOUNDATION’S Maharashtra Govt. Reg. No.: F-11724
Case Study Project
Total Marks: 80
SUBJECT :BANKING MANAGEMENT
N. B.: 1)Attempt any Four Questions
2)All questions carries equal marks.
Case 1
ICICI Centralizes Applications
(10 Marks)
ICICI centralizes applications for 'anywhere' banking
AN ISO 9001 : 2008 CERTIFIED INTERNATIONAL B-
SCHOOL

2. Question.1. What was the strategy adopted by the ICICI Bank for
Development of Banking ? How automation helps the Banking
Services?
Answer:ICICIBank is India’s largest private sector bank with total assets of Rs. 6,461.29 billion (US$
103 billion) at March 31, 2015 and profit after tax Rs. 111.75 billion (US$ 1,788 million) for the year
ended March 31, 2015. ICICI Bank currently has a network of 4,070 Branches and 13,269 ATM’s
across India.
ICICI Bank’s Business Objectives For Digital Space –
ICICI Bank—aninstitutionhasprojecteditself asa first-moveronmanyfronts—the changingbanking
landscape,where digital deliveryof servicesisbecomingmore the norm than a nice thing to do, and
has alwaysmaintainedanaggressive digital strategyrealizing the potential. It’s business objectives
for digital marketing can be summarized as below –
Question. 2. Cost factor has become important in banking services.
Answer:The 21st century will bring about an all-embracing convergence of computing,
communications,informationandknowledge. This will radically change the way we live, work, and
think. The growth of high speed networks, coupled with the falling cost of computing power, is
makingpossible applicationsundreamedof in the past. Voice, data, images, and video may now be
transferredaroundthe worldinmicro-seconds.Thisexplosionof technologyischangingthe banking
industry from paper and branch banks to' digitized and networked banking services. It has already
changed the internal accounting and management systems of banks. It is now fundamentally
changingthe deliverysystemsbanksuse to interact with their customers. All over the world, banks
are still struggling to find a technological
Question. 3. Give your comments. Lessons learned from the above
case study.
Answer:ICICI Bank provides banking products and financial services to corporate and retail
customers in areas of investment banking, life and non-life insurance, venture capital, asset
management and information technology.
The need- Beinga financial companywithcountrywide operations, it felt the need to centralize its
applicationstoreachall itspartnersand customers.Itneededtoconnect variousICICIoffices,banks,
branches and over 1,000 ATMs to make its services available across the country.
The solution - After a detailed study of

3. Case 2
e-Age Banking in Baharain
(10 Marks)
Question. 1. What were the requirements of bank?
Answer:The reserve requirement (or cash reserve ratio) is a central bank regulation employed by
most,but notall,of the world'scentral banks,that sets the minimum fraction of customer deposits
and notesthateach commercial bank must hold as reserves (rather than lend out). These required
reservesare normallyinthe formof deposits made with a central bank, or cash stored physically in
the bank vault (vault cash).
The requiredreserve ratioissometimesusedasa tool in monetary policy, influencing the country's
borrowing and interest rates by changing the amount of funds available for banks to make loans
with. Western central banks rarely alter the
Question.2. What is the message from the above case study?
Answer:When a leading bank in Bahrain went shopping for a comprehensive banking solution, it
chose CMC’s TC/4.
Using CMC’s state-of-the-art total banking solution, a leading bank in Bahrain is providing its
customersthe full range of e-age value-addedbankingservicesviathe internet, mobile phones and
ATMs. TC/4 has given the bank a technological edge over the competition and streamlined its
operations across all branches.
Client: A leading bank in Bahrain providing retail and commercial banking services. It has several
branches and ATMs in Bahrain and operates an
Question. 3. How customers can attracted by improving services of
the bank?
Answer:While Banks are getting more and more pressure from customer’s increasing demand,
highly competitive market and strict regulations – in the current environment, understanding

4. customerbehavior,attitudesandrequirementsismore vital than ever for banks’ strategic thinking,
operational planning and day-to-day customer treatment, according to Ernst & Young.
What Banks can do?
Case 3
Financial Risk Management at Union Bank of Switzerland
(10 Marks)
Question. 1. What do you understand by Financial Risk ?
Answer:Financial risk is an umbrella term for multiple types of risk associated with financing,
includingfinancial transactionsthatinclude companyloansinriskof default.Riskisaterm oftenused
to imply downside risk, meaning the uncertainty of a return and the potential for financial loss.
A science hasevolvedaroundmanagingmarketandfinancial risk under the general title of modern
portfolio theory initiated by Dr. Harry Markowitz in 1952 with his article, "Portfolio Selection". In
modernportfoliotheory,the variance (orstandarddeviation) of aportfolio is used as the definition
of risk.
Question. 2. How banks can tackle the risk in their business?
Answer:Accepting the risk is a business decision that is reflective on the level of “acceptable risk
level,” or the willingness for organization to assume the risk. This does not mean that an
organization that does not know their risks can accept an unknown. Thus as noted above, we have
already determined the level of risk and we are now determining the best course of action.
Many times I have briefed the CIO and executive
Question. 3. Is real estate management a risky sector in banking?
Answer:Real estate marketsinmostcountriesare notas organizedorefficient as markets for other,
more liquidinvestmentinstruments.Individual propertiesare unique tothemselvesand not directly
interchangeable, which presents a major challenge to an investor seeking to evaluate prices and

5. investment opportunities. For this reason, locating properties in which to invest can involve
substantial work and competition among investors
Question. 4. What is the message of the above case study?
Answer:UBS continued to grow by acquisitions in the 1950s. By 1962, it had 81 branches. In 1967 it
opened a full-service office in London. During the 1970s, UBS established several securities
underwritingsubsidiariesabroad.But the firm’s UK brokerage business was hit hard by the 1987 US
stock marketcrash.Over the nexttwoyears,lossescontinued,promptinganoverhaul of the London
operations. Then the bank’s US operations were badly affected by the collapse of the junk bond
market in 1990. Notwithstanding these setbacks, UBS set up offices in Paris, Singapore, and Hong
Kongand tookover Chase Manhattan’s(now J.P.Morgan Chase) New Yorkmoneymanagementunit
in 1991. The firm also continued to expand
Case 4
END TO END RETAIL BANKING SOLUTIONS FOR A JAPANESE BANK
(10 Marks)
Question. 1. What was the plan of Japanese Bank for Customers
Answer:Customer Centric Front-end: The entire front-end has been made customer-centric. The
retail customer, irrespective of transaction or channel now has just one identifier, which enables
access to all delivery channels. The browser based front-shows the customer’s entire relationship
withthe bankin a summary screen. This shows the customer’s total holdings at the moment in the
bank, including DDA, TDA, loans, mutual funds etc., at a level consolidated by the above account
types. This can be drilled down multiple levels for a detailed view of the customer relationship.
 Support for the entire spectrum of delivery channels
 Complete support for all delivery channels
Question. 2. How customers were with the solution?
Answer:Customer relationship management (CRM) is an approach to managing a company's
interaction with current and future customers. The CRM approach tries to analyze data about

6. customers' history with a company, in order to better improve business relationships with
customers, specifically focusing on retaining customers, in order to drive sales growth. One
importantaspectof the CRMapproach isthe systemsof CRM that compile informationfroma range
of different channels, including a company's website, telephone, email, live chat, marketing
materials, social media, and more. Through the CRM approach and the systems used to facilitate
CRM, businesses learn more about their target
Question. 3. Was there any cost impact?
Answer:Market impact cost is a measure of market liquidity that reflects the cost faced by a trader
of an index orsecurity.The marketimpactcostis measuredin the chosen numeraire of the market,
and ishowmuch additionallyatradermust payoverthe initial price due tomarket slippage, i.e. the
cost incurredbecause the transactionitselfchangedthe price of the asset.Marketimpactcosts are a
type of transaction costs.
Example:For a stock to qualify for possible inclusion into the Nifty, it has to have a market impact
cost of below 0.75% when doing Nifty trades of half a crore rupees. The market impact cost on a
trade of Rs 0.3 million of the full Nifty is about 0.05%. This
Question. 4. Important lessons from the above case study?
Answer:The retail banking transformation is a new challenge in achieving high business
performance.Inthisdynamicenvironment,banksare atrisk of beingunable tomeetfuture business
needs due to the complexity driven by outdated technology platforms, inappropriate procedures
and duplicate business processes.
Complex Network Interfaces: Interfaces with Zengin (interbank remittance network internal to
Japan), RTGS systems, Bank of Japan Net (BoJNet
Dear students get fully solved assignments
Send your semester & Specialization name to our mail id :
help.mbaassignments@gmail.com
or
call us at : 08263069601