Series: APR 2023

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TMFS – APRIL 2023 – L2 – Q8 – PSBR and Money Supply Financing

Discuss how the source of financing PSBR may be less relevant than the medium of borrowing for its effect on money supply.

Question

With reference to PSBR (Public Sector Borrowing Requirement) and its effect on money supply, the source of financing it may not be more relevant than the medium of borrowing that underlies it. Discuss.

[20 Marks]

Answer

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Tags: Borrowing Medium, Financing Sources, Money Supply Effects, Public Sector Borrowing Requirement
Level: Level 2

Topic: The money supply
Series: APR 2023

TMFS – APRIL 2023 – L2 – Q7 – Balance of Payments Capital Account, PPP Assumptions, Equilibrium Exchange Rate

List main capital account items in Ghana's BoP, state PPP assumptions, and explain equilibrium exchange rate per PPP.

Question

a) List the,6 main items of the capital account on Ghana. balance of payments [6 Marks

b) State the basic assumptions of of PPP (Purching Power Parity) theory. [ 4 Marks

c) How is the equilibrium exchange rate between currencies, as claimed by PPP (Purching Power Parity) theory, explained? [10 Marks] [ Total Marks: 20

Answer

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Tags: Capital Account Items, Equilibrium Exchange Rate, PPP Assumptions, Purchasing Power Parity
Level: Level 2

Topic: Balance of payment
Series: APR 2023

TMFS – APRIL 2023 – L2 – Q6 – Nominal Interest Rates, Macroeconomic Objectives

Short notes on factors influencing nominal interest rates and conventional macroeconomic policy objectives.

Question

Write short notes on the following:

a) Factors that influence changes in nominal rates of interest. [10 Marks]

b) The conventional objectives of macroeconomic policy. [10 Marks

[ Total Marks: 20]

Answer

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Tags: Factors Influencing Changes, Macroeconomic Policy Objectives, Nominal Interest Rates
Level: Level 2

Topic: Interest rates
Series: APR 2023

TMFS – APRIL 2023 – L2 – Q5 – Interest Rate Swaps, Leasing, Policy Targets, Redemption Yield

Explain use of interest rate swaps for exchange rate risk, reasons for leasing popularity, define intermediate policy targets, and define redemption yield.

Question

a) Explain how a company may use interest rate swap as a means of managing exchange rate risk. [9 Marks]

b) List four reasons why leasing serves as a popular source of finance for the corporate sector. [4 Marks]

c) List and define each of the intermediate target variables of economic policy. [5 Marks] d) What is redemption yield? [2 Marks] [Total Marks: 20]

Answer

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Tags: Exchange rate risk, Interest Rate Swap, Intermediate Targets, Leasing, Redemption Yield
Level: Level 2

Topic: Economic
Series: APR 2023

TMFS – APRIL 2023 – L2 – Q4 – Capital Adequacy in Banks

Define capital adequacy and explain its management under BoG rules, including for banks with subsidiaries.

Question

a) What is capital adequacy? [3 Marks]

b) Under Bank of Ghana rules how is capital adequacy managed by a bank, including a bank that has a subsidiary. [17 Marks]

[Total: 20 Marks]

Answer

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Tags: Bank Management, BoG Rules, Capital Adequacy, Regulatory, Subsidiaries
Level: Level 2

Topic: Supervision & regulation: Banking Law 2004
Series: APR 2023

TMFS – APRIL 2023 – L2 – Q3 – Benefits of Financial Intermediation

Explain how financial intermediation benefits lenders, borrowers, and society.

Question

Explain how financial intermediation benefits the lender, the borrower and the society.

Answer

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Tags: Borrower Benefits, Economic Role, Financial Intermediation, Lender Benefits, Societal Benefits
Level: Level 2

Topic: Financial institutions
Series: APR 2023

TMFS – APRIL 2023 – L2 – Q2 – Financial Risks in Ghanaian Economy

Explain major financial risks faced by the personal sector in Ghana following the bond market issues from the Government's DDEP.

Question

The general Ghanaaian public has expressed concern about investing in the economy following the recent turmoil in the bond market, as a result of Government’s Domestic Debt Exchange Programme. Explain the major financial risks that the personal sector may experience in the Ghanaian economy.

[20 Marks]

Answer

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Tags: Bond Market Turmoil, Domestic Debt Exchange Programme, Financial Risks, Investment Concerns, Personal Sector
Level: Level 2

Topic: Corporate finance & Risk management
Series: APR 2023

TMFS – APRIL 2023 – L2 – Q1 – Methods of Corporate Equity Finance

Identify and explain four methods of corporate equity finance suitable for a company avoiding bank loans or credit.

Question

Assume you are the economic and financial consultant of the newly established Abrewa Ventures Ltd which was formed with the owners’ own resources. At its 3d General Meeting, the shareholders approved plans for the medium-term growth of the company but concerns were raised about how to finance it. Upon advice, the owners decided not to use bank loans or any form of credit for the anticipated growth. Identify and explain the four methods of corporate equity finance that would be appropriate to meet the funding needs of the company.

[20 Marks]

Answer

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Tags: Corporate Equity Finance, Funding Methods, Growth Financing, Non-Debt Finance, Shareholders
Level: Level 4

Topic: Financial markets in Ghana
Series: APR 2023

SMM – APR 2023 – L4 – Q6 – RATER Model and Service Quality Perceptions

Report on how the RATER Model influences customers' perceptions of service quality in a bank with poor survey results.

Question

A recent survey of customers of your bank has revealed a poor service quality and the Chief Executive Officer (CEO) is worried about the findings of the survey. As Head of Customer Service, he has asked you to write a detailed report on how the RATER Model affects customers’ perceptions of service quality. (20 marks)

Answer

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Tags: Bank Survey, Customer Perceptions, Customer service, RATER Model, Service Quality
Level: Level 4

Topic: and service quality
Series: APR 2023

SMM – APR 2023 – L4 – Q5 – Ethics in Marketing and Henderson’s Model

Define ethics in marketing, distinguish legal from ethical behavior, and discuss four implications using E. Henderson's Model.

Question

Your Managing Director learned from a recent seminar on business ethics he attended that marketing managers must essentially behave legally and ethically at all times. He has therefore asked you, in your role as the Head of Marketing to submit a paper on what ethics is, as applied to marketing. You should explain in your paper the distinction between legal and ethical behaviour before addressing any four implications of ethics to marketing. Be guided by the E. Henderson’s Model.

(20 marks)

Answer

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Tags: Business Ethics, E. Henderson's Model, Implications of Ethics, Legal vs Ethical Behaviour, Marketing Managers
Level: Level 4

Topic: ETHICAL ISSUES IN MARKETING
Series: APR 2023

MP – APR 2023 – L2 – Q6 – Motivation Strategies and Herzberg’s Two-Factor Theory

Discuss motivation strategies to reduce staff resignation in a savings and loans company; explain Herzberg's theory and its application for job satisfaction in a named bank.

Question

A. As a banking consultant, you have received a report from the Human Resource Manager of a Savings and Loans Company Limited revealing an increasing rate of staff resignation. Discuss five (5) strategies of motivation that can be deployed to reduce staff resignation rate by 75% in the next three years from now? [10 Marks]

B. Explain briefly the concept, Hertzberg’s Two-Factor Theory and situate how the theory can be applied to enhance employee job satisfaction of a named bank? [10 Marks]

[Total Marks: 20]

Answer

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Topic: Human Resource Management
Series: APR 2023

MP – APR 2023 – L2 – Q5 – Effective Leadership and Contingency Theories in Banking

Presentation on becoming an effective banker leader; list, compare contingency theories of leadership with banking examples.

Question

A. If the Board of Directors of a named Savings and Loans Company PLC in Ghana tasks you to make presentation on “How Can a Banker become an Effective Leader”, what would you tell them? [10 Marks]

B. List and compare the various contingency theories of leadership and provide relevant examples that can be observed in the banking industry. [10 Marks]

[Total Marks:20]

Answer

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Topic: Managing People and Processes
Series: APR 2023

MP – APR 2023 – L2 – Q4 – Corporate Social Responsibility and Ethical Code in Banking

Explain CSR concept with examples for rural/universal banks' responsibility; discuss ethical codes in Ghanaian banking and measures to improve ethical climate in a named bank.

Question

A. In your own words, explain the concept, Corporate Social Responsibility. Illustrate with examples why management of rural and universal banks should be responsible in the protection of interests of the banking community? [10 Marks]

B. Explain ethical code of conduct in the banking industry in Ghana that require attention and consideration? Discuss five (5) measures to improve ethical climate of a named universal bank in Ghana? [10 Marks]

[Total Marks: 20]

Answer

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Topic: Managing and organizing as part of a cultural
Series: APR 2023

MFS – APR 2023 – L4 – Q2 – Main Elements of Marketing Plan for Retail Bank

Write a report as Head of Marketing explaining the main elements of a marketing plan for a retail bank.

Question

Preparation of marketing plan is very important for the achievement of marketing objectives in any retail business. In your role as the Head of Marketing of any retail bank of your choice, you have been asked by your Managing Director to write a report to explain briefly the main elements of a marketing plan for a retail bank

Answer

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Series: APR 2023

MP – APR 2023 – L2 – Q2 – Organizational Change Management in Credit Unions

Discuss deploying organizational change for repositioning a Credit Union and reasons managers resist change in banks with solutions.

Question

A. Discuss how organizational change management can be deployed by the Board of Directors to strategically re-position a Credit Union in the financial landscape of Ghana?

B. Explain five (5) reasons why managers resist organizational change management in banks and suggest solutions? [10 Marks] [Total Marks: 20]

Answer

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Tags: Change Management, Credit Unions, Ghana Financial Landscape, resistance to change
Level: Level 2

Topic: Changing Systems of Work Organisation
Series: APR 2023

MOFS – APRIL 2023 – L4 – Q1 – Steps of the Selling Process in Financial Services

As Head of Business Development, write a report explaining the steps of the selling process in financial services marketing, focusing on how personal selling generates new business.

Question

Personal selling is a key promotional and distribution tool in in financial services marketing. A lot of new business can be gained through person selling which adopt the six selling processes. As the Head of Business Development of your Bank, your Executive Director, Client Services has asked you to write a report to explain briefly the steps of the selling process.

Answer

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Tags: Compliance, Distribution, Financial Services, Personal Selling, Promotion, Sales Training, Selling Process
Level: Level 4

Series: APR 2023

MP – APR 2023 – L2 – Q1 – Performance Challenges at Agyapa Finance PLC

Analyze internal factors contributing to performance decline, propose strategies for improvement, explain managerial functions/roles, and strategies to reduce customer attrition in a Ghanaian finance company.

Question

The Board of Directors has hired you as a Human Capital Manager of the Agyapa Finance PLC. Takoradi on $5^{\text}$ January 2022. Seven months after assumption of duty, you were informed by the Managing Director of the underlisted challenges faced by the Agyapa Finance PLC between 2019 and 2021:

Interest income has reduced by $12 %$;
Net Profit after Tax per employee has reduced by $25 %$;
Market share has fallen by $20 %$;
Customer attrition rate has increased by $5 %$;
Employee turnover rate among supervisors is rampant and alarming; and
Employee indiscipline is highly characterized by lateness, absenteeism and pretend sickness syndrome.

REQUIRED:

A. State and explain five (5) internal factors that might have contributed towards the current level of performance of Agyapa Finance PLC? [10 Marks]

B. Explain five (5) strategies aimed to improve performance level of Agyapa Finance PLC? [10 Marks]

C. Explain five (5) managerial functions and roles required to enhance the bottom line and productivity of Agyapa Finance PLC? [10 Marks] D. Explain five (5) strategies that management of Agyapa Finance PLC can deploy to reduce the customer attrition rate in Takoradi? [10 Marks]

[Total Marks: 40]

Answer

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Tags: Customer Attrition Reduction, Internal Factors, Managerial Functions, Performance Improvement Strategies
Level: Level 2

Topic: ORGANISATIONAL SYSTEM
Series: APR 2023

FRPA – APRIL 2023 – L3 – Q6 – Audit Committee Functions and Composition in Ghana

List and explain five functions of the Audit Committee as per Ghana's Code of Best Practices in Corporate Governance and recommend its composition for RGB Savings and Loans Limited.

Question

In Ghana, the Code of Best Practices in Corporate Governance requires every corporate body at which the code is directed to have an audit committee.

You are required to: A. List and explain FIVE functions of the Audit Committee. B. As a consultant for RGB Savings and Loans Limited, recommend the composition of the Audit Committee to the Managing Director.

Answer

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Tags: Audit Committee, BoG Directive, Composition, Corporate Governance, Financial Institutions, Functions, Ghana Regulations, SEC Code
Level: Level 3

Series: APR 2023

FRPA – APRIL 2023 – L3 – Q5 – Cash Budget Preparation for Impact Limited

Prepare a cash budget for Impact Limited for the months of May, June, and July based on provided sales, wages, materials, and overheads data and additional information.

Question

The following information relates to Impact Limited; a retailing outfit located in the Eastern region of Ghana. Month Sales (GHs’m) Wages incurred (GHs’m) Materials purchased (GHs’m) Overheads (GHs’m) January 70 12 40 25 February 90 14 45 20 March 120 20 50 32 April 100 18 70 28 May 140 24 60 36 June 120 20 50 32 July 100 18 50 28 August 100 18 60 28

The following additional information has been provided: a. It is expected that the cash balance on April 30, will be GH¢50m. b. Wages may be assumed to be paid within the month in which they are incurred. c. It is company’s policy to pay creditors for materials three months after receipts of the materials. d. Debtors are expected to pay two months after delivery to them. e. Included in the overhead figures is GH¢4m per month which represents depreciation on two cars and one delivery van. f. There is a delay in paying the overheads expenses by one month. g. 10% of the monthly sales are for cash and 90% are on credit. h. A commission of 5% is paid to agents on all sales on credit but this is not paid until the month following the sales to which it relates; this expense is not included in the overhead figures shown. i. It is intended to repay a loan of GH¢50m on June 30. j. Delivery is expected in May of a new machine costing GH¢85m of which GH¢25m will be paid on delivery and GH¢30m in each of the immediately following successive two months. k. Assume that overdraft facilities are available if required.

You are required to: Prepare a Cash budget for each of the three months of May, June and July.

Answer

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Series: APR 2023

LRB – APR 2023 – L2 – Q4 – Insurable Interest and Life Policy Assignment

Explain insurable interest in life insurance with examples, how a bank takes effective assignment over a life policy for a loan, and whether the policy remains valid if the insured resigns from the company.

Question

a. Using examples, explain the concept of insurable interest in Life Insurance. (5 Marks)

b. Sugarcandy Company Ltd has taken a 20-year Life Endowment Policy on the life of John Gawaka, its Chief Operating Officer, who is very vital in the operations of the company. The company presents the policy to Gloryland Bank Plc for a loan.

i. How will the bank take an effective assignment over the Life Policy? (10 Marks)

ii. If John Gawaka resigns from Sugarcandy Company Ltd, will the policy still be valid? Explain your answer. (5 Marks)

[Total = 20 Marks]

Answer

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Tags: Assignment of Policy, Examples, Insurable Interest, Life Insurance, Security for Loans, Validity on Resignation
Level: Level 2

Topic: General principles of security sought by lenders
Series: APR 2023

Series: APR 2023

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TMFS – APRIL 2023 – L2 – Q8 – PSBR and Money Supply Financing

Discuss how the source of financing PSBR may be less relevant than the medium of borrowing for its effect on money supply.

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TMFS – APRIL 2023 – L2 – Q7 – Balance of Payments Capital Account, PPP Assumptions, Equilibrium Exchange Rate

List main capital account items in Ghana's BoP, state PPP assumptions, and explain equilibrium exchange rate per PPP.

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TMFS – APRIL 2023 – L2 – Q6 – Nominal Interest Rates, Macroeconomic Objectives

Short notes on factors influencing nominal interest rates and conventional macroeconomic policy objectives.

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TMFS – APRIL 2023 – L2 – Q5 – Interest Rate Swaps, Leasing, Policy Targets, Redemption Yield

Explain use of interest rate swaps for exchange rate risk, reasons for leasing popularity, define intermediate policy targets, and define redemption yield.

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TMFS – APRIL 2023 – L2 – Q4 – Capital Adequacy in Banks

Define capital adequacy and explain its management under BoG rules, including for banks with subsidiaries.

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TMFS – APRIL 2023 – L2 – Q3 – Benefits of Financial Intermediation

Explain how financial intermediation benefits lenders, borrowers, and society.

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TMFS – APRIL 2023 – L2 – Q2 – Financial Risks in Ghanaian Economy

Explain major financial risks faced by the personal sector in Ghana following the bond market issues from the Government's DDEP.

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TMFS – APRIL 2023 – L2 – Q1 – Methods of Corporate Equity Finance

Identify and explain four methods of corporate equity finance suitable for a company avoiding bank loans or credit.

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SMM – APR 2023 – L4 – Q6 – RATER Model and Service Quality Perceptions

Report on how the RATER Model influences customers' perceptions of service quality in a bank with poor survey results.

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SMM – APR 2023 – L4 – Q5 – Ethics in Marketing and Henderson’s Model

Define ethics in marketing, distinguish legal from ethical behavior, and discuss four implications using E. Henderson's Model.

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MP – APR 2023 – L2 – Q6 – Motivation Strategies and Herzberg’s Two-Factor Theory

Discuss motivation strategies to reduce staff resignation in a savings and loans company; explain Herzberg's theory and its application for job satisfaction in a named bank.

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MP – APR 2023 – L2 – Q5 – Effective Leadership and Contingency Theories in Banking

Presentation on becoming an effective banker leader; list, compare contingency theories of leadership with banking examples.

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MP – APR 2023 – L2 – Q4 – Corporate Social Responsibility and Ethical Code in Banking

Explain CSR concept with examples for rural/universal banks' responsibility; discuss ethical codes in Ghanaian banking and measures to improve ethical climate in a named bank.

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MFS – APR 2023 – L4 – Q2 – Main Elements of Marketing Plan for Retail Bank

Write a report as Head of Marketing explaining the main elements of a marketing plan for a retail bank.

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MP – APR 2023 – L2 – Q2 – Organizational Change Management in Credit Unions

Discuss deploying organizational change for repositioning a Credit Union and reasons managers resist change in banks with solutions.

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MOFS – APRIL 2023 – L4 – Q1 – Steps of the Selling Process in Financial Services

As Head of Business Development, write a report explaining the steps of the selling process in financial services marketing, focusing on how personal selling generates new business.

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MP – APR 2023 – L2 – Q1 – Performance Challenges at Agyapa Finance PLC

Analyze internal factors contributing to performance decline, propose strategies for improvement, explain managerial functions/roles, and strategies to reduce customer attrition in a Ghanaian finance company.

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FRPA – APRIL 2023 – L3 – Q6 – Audit Committee Functions and Composition in Ghana

List and explain five functions of the Audit Committee as per Ghana's Code of Best Practices in Corporate Governance and recommend its composition for RGB Savings and Loans Limited.

You're reporting an error for "FRPA – APRIL 2023 – L3 – Q6 – Audit Committee Functions and Composition in Ghana"

FRPA – APRIL 2023 – L3 – Q5 – Cash Budget Preparation for Impact Limited

Prepare a cash budget for Impact Limited for the months of May, June, and July based on provided sales, wages, materials, and overheads data and additional information.

You're reporting an error for "FRPA – APRIL 2023 – L3 – Q5 – Cash Budget Preparation for Impact Limited"

LRB – APR 2023 – L2 – Q4 – Insurable Interest and Life Policy Assignment

Explain insurable interest in life insurance with examples, how a bank takes effective assignment over a life policy for a loan, and whether the policy remains valid if the insured resigns from the company.

You're reporting an error for "LRB – APR 2023 – L2 – Q4 – Insurable Interest and Life Policy Assignment"

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