MMPB 004 Solved Assignment 2023-24
MMPB 004 Solved
Assignment 2023-24, FREE MMPB
004 Solved Assignment 2023-24, FREE MMPB 004 Risk
Management in Banks Assignment PDF, How to
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MMPB 004 Solved
Assignment 2023-24: MMPB 004
Solved Assignment 2023-24 FREE MMPB 004 Solved Assignment
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Course Code: MMPB 004
Assignment Code: MMPB 004 ASST/TMA/2023-24
Marks: 100
NOTE: All questions are compulsory
Note: Attempt all the questions and submit this assignment
to the Coordinator of yourstudy centre. Last date of submission for July 2023
session is 31st October, 2023 and for January 2024 session is 30th April 2024.
Q1. Why do risks in
banks need to be regulated? Discuss the Basel III Accord and the building
blocks of this Accord.
Regulation of
risks in banks is crucial for maintaining financial stability and protecting
the interests of depositors, investors, and the overall economy. Unregulated or
inadequately managed risks in banks can lead to financial crises, systemic
failures, and adverse economic consequences. The Basel III Accord is an
international regulatory framework developed to address weaknesses in the
global banking system, particularly in the aftermath of the 2008 financial
crisis. It introduces measures to enhance risk management and promote the
resilience of financial institutions.
The Basel III
Accord has several building blocks designed to strengthen the regulation and
supervision of banks. Here are some key components:
Minimum Capital
Requirements:
Basel III sets
higher and more stringent minimum capital requirements compared to its
predecessor, Basel II. It introduces a common equity tier 1 capital (CET1)
requirement, which emphasizes the importance of high-quality, loss-absorbing
capital.
Leverage Ratio:
To mitigate
excessive leverage, Basel III introduces a leverage ratio. This ratio measures
the bank's capital adequacy in relation to its total assets, providing a
safeguard against the risk of insolvency.
Liquidity
Requirements:
Basel III
introduces two liquidity ratios to ensure that banks maintain sufficient liquid
assets to meet short-term and long-term obligations. The Liquidity Coverage
Ratio (LCR) addresses short-term liquidity risk, while the Net Stable Funding
Ratio (NSFR) addresses longer-term stability.
Counterparty
Credit Risk:
The Accord
enhances the regulatory framework for managing counterparty credit risk,
especially in the context of over-the-counter (OTC) derivatives. It introduces
the standardized approach for measuring counterparty credit risk (SA-CCR) to
improve the accuracy of risk assessments.
Credit Risk:
Basel III
refines the methodologies for calculating credit risk, introducing the Internal
Ratings-Based (IRB) approach and the standardized approach. These approaches
aim to align regulatory capital more closely with a bank's underlying credit
risk.
Operational
Risk:
The framework
introduces a standardized measurement approach for operational risk and
emphasizes the importance of effective operational risk management within
banks.
Basel III
promotes transparency by establishing more comprehensive and consistent
disclosure requirements. Banks are required to disclose key information related
to their risk exposure, capital adequacy, and risk management practices.
Systemically
Important Banks:
Basel III
introduces additional requirements for systemically important banks, known as
global systemically important banks (G-SIBs). These banks are subject to higher
capital buffers and more stringent regulatory oversight.
By implementing
these building blocks, the Basel III Accord aims to enhance the resilience of
banks, reduce the likelihood of financial crises, and contribute to the
stability of the global financial system. The regulatory framework encourages
banks to adopt more robust risk management practices and ensures that they
maintain adequate capital and liquidity buffers to weather economic downturns
and financial shocks.
Q2. Explain the Risk
Management function in a Bank and discuss the role of the functionaries who are
involved in it.
Q3. What is the use of
Credit Derivatives? What are the benefits and risks of using these Derivatives?
Q4. Meet the Manager of
the Bank of your choice and discuss the need for Asset-Liabilities Committee in
a bank. Also discuss the role played by the sub –committees in the areas of credit,
investment, and liabilities of a Bank.
Q5. What is the need
for reporting risk of a Bank? Discuss the principles for effective risk data
aggregation and risk reporting.
MMPB 004 Handwritten Assignment 2023-24
MMPB 004 Solved
Assignment 2023-24: We provide handwritten PDF and Hardcopy to our
IGNOU and other university students. There are several types of handwritten
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Important Note - You may be aware that you need to submit
your assignments before you can appear for the Term End Exams. Please remember
to keep a copy of your completed assignment, just in case the one you submitted
is lost in transit.
Submission Date :
31st March 2023 (if
enrolled in the July 2023-24 Session)
30th Sept, 2023 (if
enrolled in the January 2023-24 session).
IGNOU Instructions for the MMPB 004 Assignments
MMPB 004 Risk
Management in Banks Assignment 2023-24
Before ate mpting the assignment, please read the following instructions
carefully.
1. Read the detailed
instructions about the assignment given in the Handbook and Programme Guide.
3. Write the course
title, assignment number and the name of the study centre you are attached to
in the centre of the first page of your response sheet(s).
4. Use only
foolscap size paper for your response and tag all the pages carefully
5. Write the relevant
question number with each answer.
6. You should write
in your own handwriting.
GUIDELINES FOR IGNOU Assignment MMPB 004023-24
MMPB 004 Solved
Assignment 2023-24 You
will find it useful to keep the following points in mind:
1. Planning: Read the questions carefully. Go through the
units on which they are based. Make some points regarding each question and
then rearrange these in a STATISTICS IN PSYCHOLOGYal order. And please write
the answers in your own words. Do not reproduce passages from the units.
2. Organisation: Be a little more selective and analytic before
drawing up a rough outline of your answer. In an essay-type question, give adequate
attention to your introduction and conclusion. The introduction must offer your
brief interpretation of the question and how you propose to develop it. The
conclusion must summarise your response to the question. In the course of your
answer, you may like to make references to other texts or critics as this
will add some depth to your analysis.
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3. Presentation: Once you are satisfied with your
answers, you can write down the final version for submission, writing each
answer neatly and underlining the points you wish to emphasize.
IGNOU Assignment Front Page
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page of your response sheet should look like this: Get IGNOU Assignment Front page through. And
Attach on front page of your assignment. Students need to compulsory attach the
front page in at the beginning of their handwritten assignment.
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DATE: ………………………………………
MMPB 004 Handwritten Assignment 2023-24
MMPB 004 Solved
Assignment 2023-24: We provide handwritten PDF and Hardcopy to our
IGNOU and other university students. There are several types of handwritten
assignment we provide all Over India. We are genuinely work in this field for
so many time. You can get your assignment done - 8130208920
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