Retail Banking

NMIMS Global Access

School for Continuing Education (NGA-SCE)

Course: Retail Banking

Internal Assignment Applicable for June 2021 Examination

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 as possible.

 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 their assignments, 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

other students is not allowed.

 Students should follow the following parameter for answering the assignment questions.

1. Retail Banking has always been and will continue to be characterised 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)

For Theoretical Answer

Assessment Parameter Weightage

Introduction 20%

Concepts and Application related to the question

60%

Conclusion 20%

For Numerical Answer

Assessment Parameter Weightage

Understanding and usage of the formula

20%

Procedure / Steps 50%

Correct Answer & Interpretation

30%

NMIMS Global Access

School for Continuing Education (NGA-SCE)

Course: Retail Banking

Internal Assignment Applicable for June 2021 Examination

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)

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)

b. Analyze the various benefits that ‘Bank Modern Limited’ enjoy today across multiple

operational and business parameters (5 Marks)

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