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SMM – OCT 2022 – L4 – Q2 – Secondary Data for International Market Research in Banking

As Head of Business Development, write a report explaining five main kinds of secondary data needed in international market research for selecting a market like Ghana.

Availability and quality of secondary data are important research information for international market entry. An initial feasibility study may be conducted by means of secondary data. As the Head of Business Development of a Bank planning to enter the Ghanaian market, your Bank’s Management has asked you to write a report explaining any five main kinds of secondary data information that is needed in international market research for selecting a particular market.

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POM – APR 2023 – L1 – Q8 – Meeting Management

Discuss the importance of organizing meetings in banks, explain how to prepare and organize a meeting for a bank's senior management team, and describe measures to ensure effective meeting management and participation.

Managing and participating in meeting is a common feature of successful and learning organizations.                                                      (a) Give four (4) importance of organizing meeting in banks?                                                                                                                                  (b) Explain how you will prepare and organize a meeting for senior management team of a bank?                                                                (c) Describe five (5) measures that are necessary to make meeting management and participation effective?

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POM – APR 2023 – L1 – Q7 – Stress Management

Explain the term "stress," identify five sources of stress in a named bank, and discuss five strategies for employees of a credit union to manage stress.

Stress management is very important in banks and non-bank financial institutions where sedentary activity is prominent.                                                                                                                        (a) In your own words, explain the term “Stress”?                                                                                                                                                                                                                                                        (b) Mention five (5) sources of stress in a named bank?                                                                                                                                                                                                                                                 (c) Explain five (5) strategies employees of credit union can adopt to manage their stress?

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POM – APR 2023 – L1 – Q6 – Organizational Concepts

Write short notes on organic and mechanistic structure, network organization, business process re-engineering, benchmarking, and employee empowerment, using examples relevant to Ghana’s banking sector.

Using examples, write short notes on the following:                                                                                                                                                                                                                                                    (a) Organic and Mechanistic Structure                                                                                                                                                                                                                                                                              (b) Network Organization                                                                                                                                                                                                                                                                                                    (c) Business Process Re-engineering                                                                                                                                                                                                                                                                                   (d) Benchmarking                                                                                                                                                                                                                                                                                                                  (e) Employee Empowerment

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POM – APR 2023 – L1 – Q5 – Groups and Teams

Distinguish between teams and groups in a bank, explain the five stages of group development, and discuss factors influencing team effectiveness.

Groups and Teams constitute vital organizational structure of banks and other business organizations that are exploited by managers to take advantage of exciting business opportunities in a business environment of Ghana.                                                                                                                                                                                                                                                                                 (a) Distinguish between “Team” and “Groups” in a bank?                                                                                                                                                                                                                                             (b) Explain the five (5) stages of a group development process?                                                                                                                                                                                                                                 (c) Discuss five (5) factors that influence team effectiveness?

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POM – APR 2023 – L1 – Q2 – Organizational Culture and Competitive Stance

Discuss how a bank’s organizational culture in Ghana can facilitate achieving a competitive stance in a dynamic banking and financial landscape.

Discuss how an organizational culture of a bank in Ghana can facilitate achievement of a competitive stance in a dynamic banking and financial landscape?

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FRPA – APRIL 2023 – L3 – Q4 – Ratio Analysis and Performance Report for Loan Assessment

Compute five specified ratios for 2021 and 2020 using provided financial statements and write a report analyzing the company's performance comparing the two years.

As the Credit Officer for TCB Bank, Alpha Technology Solutions Limited has submitted its financial statements as part of the process to secure a loan of GHS 5million. You are required to:
i. Compute the following ratios for 2021 and 2020.
• Gross Profit Margin
• Return on Capital Employed
• Acid Test Ratio
• Payable period
• Debt to equity

ii. Write a report to the Head of Credit analyzing the performance of the company for the 2020 and 2021. Your report should explain the ratios and analyze them in relation to the previous year.

ALPHA TECHNOLOGY SOLUTIONS LIMITED STATEMENT OF FINANCIAL POSITION AS AT 31ST DECEMBER 2021

2021 (GHS) 2020 (GHS)
NON-CURRENT ASSETS
Property, Plant and Equipment 438,631 428,210
Fixed Deposit 400,000
Total Non-Current Assets 438,631 828,210
CURRENT ASSETS
Inventories 2,284,401 2,409,650
Accounts Receivable 2,712,529 1,368,010
Cash on Hand and Bank 642,951 2,177,519
Total Current Assets 5,639,881 5,955,179
TOTAL ASSETS 6,078,512 6,783,389
2021 (GHS) 2020 (GHS)
LIABILITIES AND SHAREHOLDERS’ EQUITY
NON-CURRENT LIABILITIES
Loans 115,484 115,484
Deferred Tax 18,127 22,110
Total Non-Current Liabilities 133,611 137,594
CURRENT LIABILITIES
Accounts Payable 1,843,574 2,869,489
Current Tax 30,512 129,464
Total Current Liabilities 1,874,086 2,998,953
Total Liabilities 2,007,697 3,136,547
SHAREHOLDERS’ EQUITY
Stated Capital 1,240,000 1,240,000
Retained Earnings 2,830,815 2,406,842
Total Shareholders’ Equity 4,070,815 3,646,842
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY 6,078,512 6,783,389

ALPHA TECHNOLOGY SOLUTIONS LIMITED STATEMENT OF COMPREHENSIVE INCOME FOR THE YEAR ENDED 31ST DECEMBER 2021

2021 (GHS) 2020 (GHS)
Revenue 11,180,208 12,957,649
Direct Cost (7,446,676) (9,703,650)
Gross Profit 3,733,532 3,253,999
Other Income 23,436
Administrative Expenses (3,168,234) (2,483,480)
Operating Profit 565,298 793,955
Income Tax Expense (141,325) (198,489)
Profit/(Loss) After Taxation 423,973 595,466

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SMM – APRIL 2024 – L4 – Q5 – Financial Services, Inseparability, Customer Service Personnel, Marketing Strategy, Personnel Quality, Improvement Methods, Banking Sector, Ghanaian Context

Explain five ways a bank can maintain and improve the quality of its customer service personnel and their performance in service delivery, in the context of inseparability in financial services.

One of the key characteristics of Financial Services is that of inseparability. The selling of the service cannot be separated from the individual rendering the service. This implies that Customer Service personnel constitute an important element of Financial Services Marketing Strategy. In your role as the Head of Customer Service in your Bank, your Chief Executive Officer has asked you to write a report explaining five (5) ways in which the bank can maintain and improve the quality of its personnel and their performance in Customer Service Delivery.

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CSEG – May 2019 – L2 – Q4a – Corporate governance framework

Discuss how inadequate corporate governance contributed to the financial distress in the Ghanaian banking sector.

The banking sector in Ghana has witnessed the withdrawal of licenses of seven indigenous commercial banks by the Bank of Ghana. These banks were in serious financial distress that they had to be taken over by another bank. UT Bank and Capital Bank were taken over by the GCB Bank in 2017 because they were in serious financial distress. The Bank of Ghana in August 2018 created the Consolidated Bank Ghana Limited to take over Unibank, Beige Bank, Sovereign Bank, The Royal Bank, and Construction Bank for similar reasons.

Different views about who or what was to blame for the crisis have been advanced, but many commentators agree that senior bankers and the Bank of Ghana had failed to recognize the early signs or ignored the indicators until it was too late. When companies collapse, there is often evidence of poor corporate governance.

Required:
Discuss FOUR (4) ways in which the difficulties faced by these banks may have been attributable to weak or inadequate corporate governance systems.

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SMM – OCT 2022 – L4 – Q2 – Secondary Data for International Market Research in Banking

As Head of Business Development, write a report explaining five main kinds of secondary data needed in international market research for selecting a market like Ghana.

Availability and quality of secondary data are important research information for international market entry. An initial feasibility study may be conducted by means of secondary data. As the Head of Business Development of a Bank planning to enter the Ghanaian market, your Bank’s Management has asked you to write a report explaining any five main kinds of secondary data information that is needed in international market research for selecting a particular market.

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POM – APR 2023 – L1 – Q8 – Meeting Management

Discuss the importance of organizing meetings in banks, explain how to prepare and organize a meeting for a bank's senior management team, and describe measures to ensure effective meeting management and participation.

Managing and participating in meeting is a common feature of successful and learning organizations.                                                      (a) Give four (4) importance of organizing meeting in banks?                                                                                                                                  (b) Explain how you will prepare and organize a meeting for senior management team of a bank?                                                                (c) Describe five (5) measures that are necessary to make meeting management and participation effective?

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POM – APR 2023 – L1 – Q7 – Stress Management

Explain the term "stress," identify five sources of stress in a named bank, and discuss five strategies for employees of a credit union to manage stress.

Stress management is very important in banks and non-bank financial institutions where sedentary activity is prominent.                                                                                                                        (a) In your own words, explain the term “Stress”?                                                                                                                                                                                                                                                        (b) Mention five (5) sources of stress in a named bank?                                                                                                                                                                                                                                                 (c) Explain five (5) strategies employees of credit union can adopt to manage their stress?

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POM – APR 2023 – L1 – Q6 – Organizational Concepts

Write short notes on organic and mechanistic structure, network organization, business process re-engineering, benchmarking, and employee empowerment, using examples relevant to Ghana’s banking sector.

Using examples, write short notes on the following:                                                                                                                                                                                                                                                    (a) Organic and Mechanistic Structure                                                                                                                                                                                                                                                                              (b) Network Organization                                                                                                                                                                                                                                                                                                    (c) Business Process Re-engineering                                                                                                                                                                                                                                                                                   (d) Benchmarking                                                                                                                                                                                                                                                                                                                  (e) Employee Empowerment

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POM – APR 2023 – L1 – Q5 – Groups and Teams

Distinguish between teams and groups in a bank, explain the five stages of group development, and discuss factors influencing team effectiveness.

Groups and Teams constitute vital organizational structure of banks and other business organizations that are exploited by managers to take advantage of exciting business opportunities in a business environment of Ghana.                                                                                                                                                                                                                                                                                 (a) Distinguish between “Team” and “Groups” in a bank?                                                                                                                                                                                                                                             (b) Explain the five (5) stages of a group development process?                                                                                                                                                                                                                                 (c) Discuss five (5) factors that influence team effectiveness?

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POM – APR 2023 – L1 – Q2 – Organizational Culture and Competitive Stance

Discuss how a bank’s organizational culture in Ghana can facilitate achieving a competitive stance in a dynamic banking and financial landscape.

Discuss how an organizational culture of a bank in Ghana can facilitate achievement of a competitive stance in a dynamic banking and financial landscape?

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FRPA – APRIL 2023 – L3 – Q4 – Ratio Analysis and Performance Report for Loan Assessment

Compute five specified ratios for 2021 and 2020 using provided financial statements and write a report analyzing the company's performance comparing the two years.

As the Credit Officer for TCB Bank, Alpha Technology Solutions Limited has submitted its financial statements as part of the process to secure a loan of GHS 5million. You are required to:
i. Compute the following ratios for 2021 and 2020.
• Gross Profit Margin
• Return on Capital Employed
• Acid Test Ratio
• Payable period
• Debt to equity

ii. Write a report to the Head of Credit analyzing the performance of the company for the 2020 and 2021. Your report should explain the ratios and analyze them in relation to the previous year.

ALPHA TECHNOLOGY SOLUTIONS LIMITED STATEMENT OF FINANCIAL POSITION AS AT 31ST DECEMBER 2021

2021 (GHS) 2020 (GHS)
NON-CURRENT ASSETS
Property, Plant and Equipment 438,631 428,210
Fixed Deposit 400,000
Total Non-Current Assets 438,631 828,210
CURRENT ASSETS
Inventories 2,284,401 2,409,650
Accounts Receivable 2,712,529 1,368,010
Cash on Hand and Bank 642,951 2,177,519
Total Current Assets 5,639,881 5,955,179
TOTAL ASSETS 6,078,512 6,783,389
2021 (GHS) 2020 (GHS)
LIABILITIES AND SHAREHOLDERS’ EQUITY
NON-CURRENT LIABILITIES
Loans 115,484 115,484
Deferred Tax 18,127 22,110
Total Non-Current Liabilities 133,611 137,594
CURRENT LIABILITIES
Accounts Payable 1,843,574 2,869,489
Current Tax 30,512 129,464
Total Current Liabilities 1,874,086 2,998,953
Total Liabilities 2,007,697 3,136,547
SHAREHOLDERS’ EQUITY
Stated Capital 1,240,000 1,240,000
Retained Earnings 2,830,815 2,406,842
Total Shareholders’ Equity 4,070,815 3,646,842
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY 6,078,512 6,783,389

ALPHA TECHNOLOGY SOLUTIONS LIMITED STATEMENT OF COMPREHENSIVE INCOME FOR THE YEAR ENDED 31ST DECEMBER 2021

2021 (GHS) 2020 (GHS)
Revenue 11,180,208 12,957,649
Direct Cost (7,446,676) (9,703,650)
Gross Profit 3,733,532 3,253,999
Other Income 23,436
Administrative Expenses (3,168,234) (2,483,480)
Operating Profit 565,298 793,955
Income Tax Expense (141,325) (198,489)
Profit/(Loss) After Taxation 423,973 595,466

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SMM – APRIL 2024 – L4 – Q5 – Financial Services, Inseparability, Customer Service Personnel, Marketing Strategy, Personnel Quality, Improvement Methods, Banking Sector, Ghanaian Context

Explain five ways a bank can maintain and improve the quality of its customer service personnel and their performance in service delivery, in the context of inseparability in financial services.

One of the key characteristics of Financial Services is that of inseparability. The selling of the service cannot be separated from the individual rendering the service. This implies that Customer Service personnel constitute an important element of Financial Services Marketing Strategy. In your role as the Head of Customer Service in your Bank, your Chief Executive Officer has asked you to write a report explaining five (5) ways in which the bank can maintain and improve the quality of its personnel and their performance in Customer Service Delivery.

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CSEG – May 2019 – L2 – Q4a – Corporate governance framework

Discuss how inadequate corporate governance contributed to the financial distress in the Ghanaian banking sector.

The banking sector in Ghana has witnessed the withdrawal of licenses of seven indigenous commercial banks by the Bank of Ghana. These banks were in serious financial distress that they had to be taken over by another bank. UT Bank and Capital Bank were taken over by the GCB Bank in 2017 because they were in serious financial distress. The Bank of Ghana in August 2018 created the Consolidated Bank Ghana Limited to take over Unibank, Beige Bank, Sovereign Bank, The Royal Bank, and Construction Bank for similar reasons.

Different views about who or what was to blame for the crisis have been advanced, but many commentators agree that senior bankers and the Bank of Ghana had failed to recognize the early signs or ignored the indicators until it was too late. When companies collapse, there is often evidence of poor corporate governance.

Required:
Discuss FOUR (4) ways in which the difficulties faced by these banks may have been attributable to weak or inadequate corporate governance systems.

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