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Groups are required in every learning organization to enhance their performance and
competitiveness.
a. State five (5) conditions that a bank needs a group?
b. List five (5) guidelines that can be followed to enhance the formation of effective groups?
c. Explain five (5) factors that influence group effectiveness in a named bank?
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Leadership is an influence relationship between the leader and the subordinate (s) to jointly create the desired change in an organization.
a. Define “transformational leadership”?
b. List five (5) personal qualities that a transformational leader must possess.
c. Describe five (5) strategies that a transformational leader can implement to re-position a distress bank strategically in Ghana?
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Communication is considered as one of the most important ingredients of the management process and outcomes.
• Define the term “Communication” in a named bank.
• List three (3) advantages of written communication and two (2) demerits of oral communication in any organization?
• Explain five (5) sources of barriers and their solutions to communication programmed in a bank?
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In contemporary times, universal banks must embrace change management to enhance their capacity towards resilience and agility. Discuss strategies that a named bank can follow to bring desired change process and outcomes successfully?
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It is known that management studied by professionals is an art, a science, a discipline and a profession.
(a) Briefly explain “managerial skills” to your colleagues at the workplace?
(b) State three (3) “managerial roles” that a manager can practice improving productivity of a bank?
(c) Explain five (5) challenges that bank managers face commonly in the banking industry?
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In the context of Assets and Liability Management, explain;
(a) What depositor concentration risk (liability) is, and how this poses a risk to your bank? (5 marks)
(b) How would you address this particular risk? (10 marks)
(c) Why should a bank’s management be concerned about sectoral concentration risk (disproportionate exposure to a particular sector of the economy) in its loan portfolio? (5 marks)
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The Board has the responsibility to enact and periodically review broad strategic policies to govern the treasury function and its relationship with other departments in the bank.
Discuss broadly five (5) key areas to be addressed by a Treasury policy, indicating why these are critical for the effective functioning of the Treasury department in its capital maintenance, liquidity and income generation functions.
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In an age of increasing cyber security concerns and the obligation to comply with the Data Protection Act 2018, the Board and management of Banks must focus on information risk.
(a) Discuss at least (5) five objectives of an information risk policy of a bank. (10 marks)
(b) Discuss any five (5) risks prevalent in the information technology space of a bank. (10 marks)
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Capital inadequacy (low or negative Capital Adequacy Ratio, below 10%) featured prominently in the financials culminating into the recent collapse of some banks in Ghana.
What measures may a bank take to bolster its declining ratio to avoid insolvency or regulatory sanctions?
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Agorwu Company produces office chairs. The price per chair is GHe99.75 and the variable cost per chair is GHe49.75. The following fixed costs are incurred:
| Depreciation of plant and equipment per year | GHe20,000 |
|---|---|
| Property taxes per year | GHe12,000 |
| Manager’s salary and fringe benefits per month | GHe5,200 |
Perform a breakeven analysis of this company:
a. What is the total revenue function? (2 marks)
b. What is the total cost function? (2 marks)
c. What is the profit function? (2 marks)
d. What is the breakeven point in number of chairs? (2 marks)
e. What is the revenue at the breakeven point? (2 marks)
f. What is the income at the breakeven point? (2 marks)
g. Determine the profit when 1,500 chairs are produced in a year. (8 marks)
h. How many chairs must be sold for the company to make GHe75,000 in a year? (5 marks)
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For your next presentation to the management team of your bank, you have been asked to explain the following:
(a) Explain, with reference to index numbers, any four of the following:
(i) Indices numbers – their uses and construction.
(ii) A expenditure index.
(iii) A price index.
(iv) The base period.
b. i) The key elements of a time series.
(ii) The uses of a time series for forecasting.
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The demand and supply functions are given below:
a) P = 900 – 0.5Q and P = 300 + 0.25Q. What is the equilibrium price and quantity? (10 marks)
The table below shows the quantity of products supplied and demanded per week in Kaneshie market.
| Quantity Demanded | Quantity Supplied | Price |
|---|---|---|
| 8 | 57 | 10 |
| 10 | 35 | 8 |
| 15 | 30 | 6 |
| 18 | 28 | 5 |
| 25 | 25 | 4 |
| 26 | 22 | 3 |
| 30 | 18 | 3 |
| 32 | 15 | 2 |
| 35 | 10 | 1 |
b) Graphically determine the equilibrium point, explaining the circumstances under which there will be excess demand and supply. (15 marks)
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A bank had to write off the following bad debts for the years 1990 – 1996 inclusive.
| Year | Amount of bad debts (GHe’000) |
|---|---|
| 1990 | 360 |
| 1991 | 390 |
| 1992 | 440 |
| 1993 | 500 |
| 1994 | 560 |
| 1995 | 600 |
| 1996 | 650 |
(a) Find the trend using the method of moving average. (10 marks)
(b) Using the data above, plot a histogram showing the trend line calculated in (a) above. (5 marks)
(c) Accurate bank sales and profit forecasting requires careful analysis of a bank’s specific and broader influences. Discuss some of the micro and macro economic factors a bank must analyse in its sales and profit forecasting. (5 marks)
(d) Forecasting the success of new product in the banking industry is notoriously difficult. Describe some of the macroeconomic and microeconomic factors that a bank might consider in forecasting sales for new products. (5 marks)
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The Human Resource Manager of a bank was worried about the number of international training programmes attended by the staff every year(x) and the corresponding allowances (GHe y). A random sample of 10 training programmes gave the following results:
| x (days) | 10 | 3 | 8 | 17 | 5 | 9 | 14 | 16 | 21 | 13 |
|---|---|---|---|---|---|---|---|---|---|---|
| Staff Allowance(y) (GHe) | 116 | 39 | 85 | 159 | 61 | 94 | 143 | 178 | 225 | 134 |
(a) Find an equation of the regression line of Y on X in the form Y = a + bX. (10 marks)
(b) Interpret the slope b and intercept a of your line. (5 marks)
(c) Find the expected allowance to be paid for a training programme that lasted for 11 days. (5 marks)
(d) State and give a reason, whether or not you would use the line to find the expected training lasting for 2 months. (5 marks)
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A new commercial bank which has recently acquired license to operate as a bank in Ghana has developed a new product to position itself in the banking industry as a relevant player. It believes in a blue ocean strategy by creating its own market space to make competition irrelevant. As a marketing manager for the new bank, you have been asked to conduct a feasibility study of the new product. Management of the bank must make a decision with respect to the sales volume and ancillary resources that must be used to market this product for the ensuing year.
The least expensive decision alternative (d1) is to start selling the new product through existing sales channels and provide customer support as needed. The next alternative (d2) is to assign one full-time sales person to focus on this product. The third alternative (d3) is to have a team of six people dedicated to this product. Finally, a complete division (d4) consisting of about twelve people may be created to fully automate the product and engage in an extensive marketing campaign.
The potential profit from each decision alternative depends on the market acceptance or demand for this product which may be high, moderate or low depending on the circumstance. If market acceptance is high, each of the four decision alternatives, d1 through d4 will produce a profit of 200, 300, 600, and 900 thousand dollars respectively. If there is a moderate demand, the profits are likely to be 100, 100, 200, and 200 thousand dollars respectively. If the demand turns out to be low, then the profits will be 100, 100, -200 and -500 thousand dollars respectively. Anecdotal research in the banking industry suggests that with such products provides a probability estimate of demand to be high, moderate and low as 0.3, 0.5 and 0.2 respectively.
a) Which of the four decision alternatives should be selected by the bank and what will be the expected profit from this decision? (7 marks)
b) If a market research firm can provide perfect information about demand to the new bank (i.e. whether it will be high, moderate, or low) before a product launching decision is made, how much is that information worth to the new bank? (7 marks)
c) Define the complement rule of probability. (5 marks)
d) Discuss the implications of making decisions under conditions of uncertainty. (6 marks)
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