Managementof Financial Institutions (VV2)
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1. Differenciate betweenPrimaryandSecondaryMarkets?
2. “Financial institutionsprovidethe meansandmechanismof transferringcommandover
resourcesfromthose whohave an excessof income overexpendituretothose whocan make
use of the same withviewtoaddingto the volume of productive capital”.Discuss.
3. In the insurance sectora numbersof reformshave beenintroducedinthe recentpast.Explain
theminbrief?
4. How IDFChas emergedasa companysupportinginfrastructure projects?
5. Profitability,Liquidity,SafetyandSocial Welfare are the majorprincipleswhichcommercial
banksstrive to incorporate intheirworking.Explain.
6. Write a detailednote onthe objectives,functionsandcontributionof IDBI.
7. What isthe needfordevelopmentbanksinIndia?Explainthe objectsandscope of
DevelopmentBanks?
8. State the role objectivesof financial institutionsinIndia?
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Case Detail :
Case Study # Lendingkart to offer its credit risk analytics software to financial institutions
Lendingkart, an online lender to small and medium enterprises (SMEs), will offer its credit risk analytics
software as a service for other financial institutions in 2017, and aim to double its reach in the next six months,
a top company executive said.
“We plan to offer our analytics technology to other NBFCs (non-banking financial companies) and financial
institutions sometime in 2017,” said Lendingkart’s co-founder Harshvardhan Lunia in a telephonic interview.
“We aim to increase our reach across various credit product, geography and customer segments by monetizing
our data analytics and credit scoring platform, which other lenders can use to evaluate the credit worthiness of
the borrowers...Also, it will help us to disburse more loans without increasing our book size thus, increasing
returns of assets for us,” Lunia added in an email response.
Since its inception in 2014, the online NBFC, Lendingkart Finance Ltd has disbursed 7,000 loans to SMEs in
over 450 cities. The company expects this number to cross 10,000 covering over 800 cities in next six months.
Lendingkart Finance and Lendingkart Technologies Pvt. Ltd are part of the Lendingkart Group. Lendingkart
Technologies has built analytics software to evaluate borrowers’ credit worthiness.
Founded by Lunia and Mukul Sachan, Lendingkart underwrites working capital loans online to SMEs, which
have an annual turnover of Rs12 lakh to Rs1-1.5 crore. On an average, these SMEs are lent Rs5.5-6 lakh at an

annualized interest rate ranging between 16% to 24%, for a duration of six to 12 months. Lendingkart claims to
have a loan application approval rate of 22-23%. The credit risk analytics technology analyses the borrower or
an SME on the basis of over 2200 variables and data points, which includes industry type, business cash-flows
and transactions, income tax return filings of the business, its previous loan and repayment records, among
others. This is the technology that Lendingkart plans to share with other financial institutions.
Lunia explains there are two possible ways in which it could monetize this service. “Using our (risk analytics)
technology, we could co-lend with other financial institution in cases where SMEs have larger (capital) needs.
The other way is that we charge (the financial institutions) for using our technology,” he said. However, Lunia
added that it is too soon to forecast how much revenue Lendingkart will earn from its technology.
Lendingkart, which has 350 employees across offices in Ahmedabad, Bengaluru and Mumbai, has raised over
$40 million from Betelsmann India Investment, Darrin Capital Management and Mayfield India, among other
investors. The fintech company competes with Bengaluru-based Capital Float (Zen Lefin Pvt. Ltd), Instakash
Technlogies Pvt. Ltd, Neogrowth Credit Pvt. Ltd, IndiaLends (GC Web Ventures Pvt. Ltd), among others.
In May, Capital Float raised $25 million (Rs170 crore) in an investment round led by US-based Creation
Investments. In August, Mumbai-based NeoGrowth raised Rs15 crore from Frontier Investments Group and
IndiaLends raised about Rs6.5 crore from DSG Consumer Partners, Siddharth Parekh and other angel
investors.
1. What the case is all about? Provide detail in your words?
2. Do you believe such software really help improving financial institutions? If Yes, How?
3. What two different possible ways are suggested by Lunia to monetize the given service?
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1. The advance value of LIC policyislinkedwith…………..Value.
Face
Surrender
Paid-up
Age
2. SBI's newtraininginitiative"StrategicTrainingUnit" islocatedat ……….
Hyderabad
Delhi
Mumbai
Kolkatta
3. The portionof total depositsof acommercial bankwhichithas to keepwithRBIinthe formof
cash reservesintermedas

CRR
SLR
RepoRate
Bank Rate
4. SBI's Archieve Centerislocatedat
Hyderabad
Delhi
Mumbai
Kolkatta
5. Chalpathi Raocommittee wasmeantforrestructuringof ……………. Banks.
Commercial
Listed
Regional Rural
State
6. Real Time Gross Settlement(RTGS) ismanagedby
SBI
RBI
IMF
WorldBank
7. 1st Augustof everyyearisobservedas
KYC Filingday
KYC Fraud PreventionDay
Both
ComputerSecurityDay
8. Dalal Streetislocatedin………………. City.

Delhi
Mumbai
Kolkatta
Chennai
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9. CDSL standsfor Central …………………… ServicesLimitedof India.
Direction
Depository
Derivative
Delhi
10. On whichof the followingbanksthe Reserve Bankof Indiadepends?
Scheduled
Urban
Rural
Commercial
11. A diff swapisalsoknownas a quantoswap.
TRUE
FALSE
Can't Say
Sometimes
12. NEFT and RTGS are……………….. Systems.
Export- Import
Depository

Banking
Insurance
13……………. Investoresare highworthindividualswhoprovide seedcapital forstart-upsinreturnfora
minorityshare inbusiness.
FII
Angel
FDI
Capitalists
14. The eurocurrencymarketissmall,relative tonational markets.
TRUE
FALSE
Sometimes
Can't Say
15. A majorpart of the eurocurrencymarketisinterbankactivity true.
TRUE
FALSE
Sometimes
Can't Say
16. Anagreementtoexchange fixedinterestrate paymentsonaloanfor floatinginterestrate payments
isan ………………...rate swap.
National
Soverign
Principal
Interest
16. Anagreementtoexchange fixedinterestrate paymentsonaloanfor floating interestrate payments
isan ………………...rate swap.
National

Soverign
Principal
Interest
17. A ………………..isa bankdepositheldinacountrythat doesnot issue thatcurrencyin whichthe
depositisdenominated.
Union
DollorDenominated
Euro-currency
Financial Institution
18. Currencyswapshave expandedlessrapidlythaninterestrate swapsbecause theyrequire …………...
capital backingunderthe Basle rules.
Notlessthan
Higher
Equal
Lower
19. Verypopularformof Investments,calledmutual fundsfall underwhichsectorof economy?
Money Market
Capital
Infrastructure
Depository
20. ICICI,HDFC,and Yes bankare formof ………………… typesof banks
Private
Public
Scheduled
All
21. Treasurybiilsare usedfor……………….. Type of requirments.

Intemediate
Short
Long
All
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22. In termof PMLA,records of cash transactionof Rs 10 lacsand suspicioustransactionare requiredto
be maintainedfora periodof ……… Years.
5
10
15
20
23. DEMAT isan instrumentof …………….. MarketSector.
Insurance
Banking
Capital Market
MoneyMarket
24. The NewIndustrial Policyof Indiacame inwhichyear………….
2001
2010
1991
1997
25. The eurocurrencymarketisprincipallyconcernedwith…………….termlendingFalse
Uncertain

Shrot
intermediate
26. Monetarypolicyof Indiaislaunchedby………………. InIndia?
SBI
RBI
PNB
HDFC and ICICI
27. Supportersof the portfolioapproachtothe eurocurrencyargumentargue thatthe growth of the
eurocurrencymarkethasnot been…………..because the eurobanks cannotcreate credit.
Decreased
Increased
inflationary
Progressive
28. A …………………….. is a bondissuedoutside of the countryinthe currencyof whichitis denominated.
Euro-bond
Foreign-bond
Indian-Bond
Saarc-bond
29. Short-termism'describesaconcentrationbyfirmson…………………..-termprofits.
Short
Medium
Annual
Long
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30. Problemsarose inthe 1990s in the newlyemergingmarketsbecauselossesinone marketfrequently
cause ………….. to become temporarilyriskaverse.
Banks
Investors
Citizens
Governments
31. Safesare lesssafe forbanksthan are mostotherderivatives.
FALSE
TRUE
Sometimes
Can't Say
32. A ……………….couponswap isa combinationof aninterestrate swapand a fixedrate currencyswap.
Monetary
Currency
Dollor
Euro
33. Floatingrate eurobondsbecome popularwheninterestratesare very……………………
Double
Volatile
Certain
Fixed
34. The defaultriskonfuturesisgreaterthan onswaps.
FALSE
Sometimes
Can't Say

TRUE
35. It ispossible tocombine azerocouponbondwithan interestrate swapto produce a diff swap.
Sometimes
Can't Say
FALSE
TRUE
36. ………………. Bill isa bill of exchange withoutanyconsideration,orquidproquo.
Finance
Accomodation
Money
Depository
37. BSE standsfor ……………….. Stock exchange.
Banking
Bombay
Bureau
Basil
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38. Commenton the statement:The small impliedchangesinexpectedinterestratessuggestthatthe
marketfeltthatinterestrateshadreacheda peak.
TRUE
FALSE
Sometimes
Can't Say

39. ………….. Is the simultaneouspurchase andsale transactionsina securityor a commodity,
undertakenindifferentmarketstoprofitfromprice differences.
IRR
NPV
Arbitrage
CAPM
40. Whichis notan instrumentof moneymarket?
Call Money
MMMFs
CRR
EquityShare
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