IGNOU MMPB 004 Solved Assignment 2023-24


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 get MMPB 004 Solved Assignment for Free, We are providing IGNOU MMPB 004 Risk Management in Banks Solved Assignment all over India.

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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.

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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 assignment we provide all Over India. We are genuinely work in this field for so many time. You can get your assignment done - 8130208920

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

The top of the first 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.

ENROLMENT NO: …………………………

NAME: ………………………………………

ADDRESS: …………………………………

COURSE TITLE: …………………………

ASSIGNMENT NO: ………………………

STUDY CENTRE: …………………………

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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