BANKING OPERATIONS: REGULATION

BORMPTM – APR 2023 – L3 – Q6 – Banking Supervision Monitoring, Reports, FIC Functions

Explain on-site and off-site monitoring by BoG, list five reports for off-site, and describe FIC functions in AML

Question

a) The Banking Supervision Department regularly monitors the financial performance and operations of banks in order to ensure they are operating soundly and following rules and regulations. They do this through onsite and offsite monitoring of the banks. Explain on – site and off – site monitoring of banks by the department. [5 marks]

b) List and explain five (5) reports your bank would likely submit to the Banking Supervision Department for Offsite monitoring. [5 marks]

c) What are the functions performed by the Financial Intelligence Centre (FIC) in the fight against money laundering in Ghana? [10 marks]

[Total: 20 marks]

Answer

Find Related Questions by Tags, levels, etc.

Tags: Anti-Money Laundering, Banking Supervision Reports, Financial Intelligence Centre, Off-site Monitoring, On-site Monitoring
Level: Level 3

Topic: Monitoring and control of dealing operations
Series: APR 2023

BORMPTM – APR 2023 – L3 – Q5 – Maturity and Asset Transformation, Cashless Products, Loan Classification

Explain maturity and asset transformations in banking, identify five cashless products, and list loan classification categories per Act 930.

Question

a) The financial intermediation role performed by banks results in the banks engaging in ‘maturity transformation’ and ‘asset transformation’. Explain the concepts of maturity and asset transformations. [10 marks]

b) Ghana’s economy is gradually drifting away from cash – based transactions to a cashless economy with the introduction of various digital payment channels in recent times. Identify five (5) major products that support the cashless system. [5 marks]

c) Section 75 of the Banks and Specialized Deposit – Taking Institutions Act, 2016, Act 930 requires banks to classify their advances into five categories to determine the level of provisions required. Identify and list the various categories in the order as stipulated by the Act. [5 marks]

[Total: 20 marks]

Answer

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Topic: The management of the bank’s own balance sheet exposures
Series: APR 2023

BORMPTM – APRIL 2023 – L3 – Q4 – Bank Balance Sheet Items, Digital Payment Channels, Products

Identify and explain five items each on assets and liabilities sides of a bank's balance sheet; explain five benefits and challenges of digital payment channels in Ghana; mention five products driving digital payments.

Question

a) Identify and explain five (5) items each contained on the assets and liabilities sides of a bank’s balance sheet.

[5 marks]

b) Digital channels of payment in Ghana are gradually replacing the cash-based methods of payment. Explain five (5) benefits and challenges of the digital channels of payment.

[10 marks]

c) Mention five (5) products that support and drive the digital channels of payment in Ghana.

[5 marks]

[Total: 20 marks]

Answer

Find Related Questions by Tags, levels, etc.

Tags: Bank Balance Sheet Assets, Benefits, Challenges, Digital Payment Channels, Digital Products Ghana, Liabilities
Level: Level 3

Topic: Regulation of investment business within Ghana
Series: APR 2023

BO – April 2023 – L3 – Q3 – Liquidity Risk, Repurchase Agreements, and Government Bonds

Identify five sources of liquidity risk and management ways for shortfalls; explain repurchase agreements and five eligible securities in Ghana; describe Ghana domestic bonds vs. Eurobonds post-DDEP.

Question

a) One very important risk the treasury of a bank manages daily is. liquidity risk. Identify five major sources of liquidity risk for your bank and suggest ways your treasurer should take to manage liquidity shortfalls in their daily operations?

as marks

b). Explain in detail what a repurchase agreement is and identify five eligible securities that can be used for this purpose in Ghana.

[10 marks]

c) The domestic debt exchange program of government has ended and the replacement of old bonds with the new bonds has taken effect. Explain briefly what a government of Ghana domestic bond is and how it differs from government of Ghana Eurobond.

[5 marks]

[Total: 30 marks]

Answer

Find Related Questions by Tags, levels, etc.

Tags: DDEP, Domestic Bonds, Eligible Securities, Eurobonds, Liquidity risk, Liquidity Shortfalls, Repurchase Agreement, Treasury Management
Level: Level 3

Topic: Government Securities
Series: APR 2023

BO – April 2023 – L3 – Q2 – Securitization, Funds Transfer Pricing, and Net Open Position

Explain securitization and its benefits, describe funds transfer pricing in ALM, and detail net open position including long/short positions from a balance sheet view.

Question

a) One strategy that companies adopt to manage their cashflows is Securitization. Briefly explain the concept of Securitization. [5 marks]

b) What benefits do companies derive from undertaking securitization transactions? [10 marks]

c) Briefly explain the concept of Funds Transfer Pricing in the ALM process. [5 marks]

d) Section 41 of the Banks and Specialized Deposit-Taking Institutions Act 2016, Act 930 requires banks to maintain a Net Open Position as may be prescribed by the Bank of Ghana.

i) Explain Net Open Position from the balance sheet perspective. [5 marks]

ii) Explain Long and Short positions with respect to Net Open Position and explain the expectations of holders of these positions. [5 marks]

[Total: 30 marks]

Answer

Find Related Questions by Tags, levels, etc.

Tags: ALM, Benefits of Securitization, Cashflow Management, Funds Transfer Pricing, Long Position, Net Open Position, Securitization, Short Position
Level: Level 3

Topic: Prudential control
Series: APR 2023

BORMPTM – APR 2023 – L3 – Q6 – Banking Supervision Monitoring, Reports, FIC Functions

Explain on-site and off-site monitoring by BoG, list five reports for off-site, and describe FIC functions in AML

Question

b) List and explain five (5) reports your bank would likely submit to the Banking Supervision Department for Offsite monitoring. [5 marks]

c) What are the functions performed by the Financial Intelligence Centre (FIC) in the fight against money laundering in Ghana? [10 marks]

[Total: 20 marks]

Answer

Find Related Questions by Tags, levels, etc.

Tags: Anti-Money Laundering, Banking Supervision Reports, Financial Intelligence Centre, Off-site Monitoring, On-site Monitoring
Level: Level 3

Topic: Monitoring and control of dealing operations
Series: APR 2023

BORMPTM – APR 2023 – L3 – Q5 – Maturity and Asset Transformation, Cashless Products, Loan Classification

Explain maturity and asset transformations in banking, identify five cashless products, and list loan classification categories per Act 930.

Question

[Total: 20 marks]

Answer

Find Related Questions by Tags, levels, etc.

Topic: The management of the bank’s own balance sheet exposures
Series: APR 2023

BORMPTM – APRIL 2023 – L3 – Q4 – Bank Balance Sheet Items, Digital Payment Channels, Products

Identify and explain five items each on assets and liabilities sides of a bank's balance sheet; explain five benefits and challenges of digital payment channels in Ghana; mention five products driving digital payments.

Question

a) Identify and explain five (5) items each contained on the assets and liabilities sides of a bank’s balance sheet.

[5 marks]

b) Digital channels of payment in Ghana are gradually replacing the cash-based methods of payment. Explain five (5) benefits and challenges of the digital channels of payment.

[10 marks]

c) Mention five (5) products that support and drive the digital channels of payment in Ghana.

[5 marks]

[Total: 20 marks]

Answer

Find Related Questions by Tags, levels, etc.

Tags: Bank Balance Sheet Assets, Benefits, Challenges, Digital Payment Channels, Digital Products Ghana, Liabilities
Level: Level 3

Topic: Regulation of investment business within Ghana
Series: APR 2023

BO – April 2023 – L3 – Q3 – Liquidity Risk, Repurchase Agreements, and Government Bonds

Identify five sources of liquidity risk and management ways for shortfalls; explain repurchase agreements and five eligible securities in Ghana; describe Ghana domestic bonds vs. Eurobonds post-DDEP.

Question

as marks

b). Explain in detail what a repurchase agreement is and identify five eligible securities that can be used for this purpose in Ghana.

[10 marks]

[5 marks]

[Total: 30 marks]

Answer

Find Related Questions by Tags, levels, etc.

Tags: DDEP, Domestic Bonds, Eligible Securities, Eurobonds, Liquidity risk, Liquidity Shortfalls, Repurchase Agreement, Treasury Management
Level: Level 3

Topic: Government Securities
Series: APR 2023

BO – April 2023 – L3 – Q2 – Securitization, Funds Transfer Pricing, and Net Open Position

Explain securitization and its benefits, describe funds transfer pricing in ALM, and detail net open position including long/short positions from a balance sheet view.

Question

a) One strategy that companies adopt to manage their cashflows is Securitization. Briefly explain the concept of Securitization. [5 marks]

b) What benefits do companies derive from undertaking securitization transactions? [10 marks]

c) Briefly explain the concept of Funds Transfer Pricing in the ALM process. [5 marks]

d) Section 41 of the Banks and Specialized Deposit-Taking Institutions Act 2016, Act 930 requires banks to maintain a Net Open Position as may be prescribed by the Bank of Ghana.

i) Explain Net Open Position from the balance sheet perspective. [5 marks]

ii) Explain Long and Short positions with respect to Net Open Position and explain the expectations of holders of these positions. [5 marks]

[Total: 30 marks]

Answer

Find Related Questions by Tags, levels, etc.

Tags: ALM, Benefits of Securitization, Cashflow Management, Funds Transfer Pricing, Long Position, Net Open Position, Securitization, Short Position
Level: Level 3

Topic: Prudential control
Series: APR 2023

Subject: BANKING OPERATIONS: REGULATION

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BORMPTM – APR 2023 – L3 – Q6 – Banking Supervision Monitoring, Reports, FIC Functions

Explain on-site and off-site monitoring by BoG, list five reports for off-site, and describe FIC functions in AML

BORMPTM – APR 2023 – L3 – Q5 – Maturity and Asset Transformation, Cashless Products, Loan Classification

Explain maturity and asset transformations in banking, identify five cashless products, and list loan classification categories per Act 930.

BORMPTM – APRIL 2023 – L3 – Q4 – Bank Balance Sheet Items, Digital Payment Channels, Products

Identify and explain five items each on assets and liabilities sides of a bank's balance sheet; explain five benefits and challenges of digital payment channels in Ghana; mention five products driving digital payments.

BO – April 2023 – L3 – Q3 – Liquidity Risk, Repurchase Agreements, and Government Bonds

Identify five sources of liquidity risk and management ways for shortfalls; explain repurchase agreements and five eligible securities in Ghana; describe Ghana domestic bonds vs. Eurobonds post-DDEP.

BO – April 2023 – L3 – Q2 – Securitization, Funds Transfer Pricing, and Net Open Position

Explain securitization and its benefits, describe funds transfer pricing in ALM, and detail net open position including long/short positions from a balance sheet view.

BORMPTM – APR 2023 – L3 – Q6 – Banking Supervision Monitoring, Reports, FIC Functions

Explain on-site and off-site monitoring by BoG, list five reports for off-site, and describe FIC functions in AML

BORMPTM – APR 2023 – L3 – Q5 – Maturity and Asset Transformation, Cashless Products, Loan Classification

Explain maturity and asset transformations in banking, identify five cashless products, and list loan classification categories per Act 930.

BORMPTM – APRIL 2023 – L3 – Q4 – Bank Balance Sheet Items, Digital Payment Channels, Products

Identify and explain five items each on assets and liabilities sides of a bank's balance sheet; explain five benefits and challenges of digital payment channels in Ghana; mention five products driving digital payments.

BO – April 2023 – L3 – Q3 – Liquidity Risk, Repurchase Agreements, and Government Bonds

Identify five sources of liquidity risk and management ways for shortfalls; explain repurchase agreements and five eligible securities in Ghana; describe Ghana domestic bonds vs. Eurobonds post-DDEP.

BO – April 2023 – L3 – Q2 – Securitization, Funds Transfer Pricing, and Net Open Position

Explain securitization and its benefits, describe funds transfer pricing in ALM, and detail net open position including long/short positions from a balance sheet view.

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BORMPTM – APR 2023 – L3 – Q6 – Banking Supervision Monitoring, Reports, FIC Functions

Explain on-site and off-site monitoring by BoG, list five reports for off-site, and describe FIC functions in AML

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BORMPTM – APR 2023 – L3 – Q5 – Maturity and Asset Transformation, Cashless Products, Loan Classification

Explain maturity and asset transformations in banking, identify five cashless products, and list loan classification categories per Act 930.

You're reporting an error for "BORMPTM – APR 2023 – L3 – Q5 – Maturity and Asset Transformation, Cashless Products, Loan Classification"

BORMPTM – APRIL 2023 – L3 – Q4 – Bank Balance Sheet Items, Digital Payment Channels, Products

Identify and explain five items each on assets and liabilities sides of a bank's balance sheet; explain five benefits and challenges of digital payment channels in Ghana; mention five products driving digital payments.

You're reporting an error for "BORMPTM – APRIL 2023 – L3 – Q4 – Bank Balance Sheet Items, Digital Payment Channels, Products"

BO – April 2023 – L3 – Q3 – Liquidity Risk, Repurchase Agreements, and Government Bonds

Identify five sources of liquidity risk and management ways for shortfalls; explain repurchase agreements and five eligible securities in Ghana; describe Ghana domestic bonds vs. Eurobonds post-DDEP.

You're reporting an error for "BO – April 2023 – L3 – Q3 – Liquidity Risk, Repurchase Agreements, and Government Bonds"

BO – April 2023 – L3 – Q2 – Securitization, Funds Transfer Pricing, and Net Open Position

Explain securitization and its benefits, describe funds transfer pricing in ALM, and detail net open position including long/short positions from a balance sheet view.

You're reporting an error for "BO – April 2023 – L3 – Q2 – Securitization, Funds Transfer Pricing, and Net Open Position"

BORMPTM – APR 2023 – L3 – Q6 – Banking Supervision Monitoring, Reports, FIC Functions

Explain on-site and off-site monitoring by BoG, list five reports for off-site, and describe FIC functions in AML

You're reporting an error for "BORMPTM – APR 2023 – L3 – Q6 – Banking Supervision Monitoring, Reports, FIC Functions"

BORMPTM – APR 2023 – L3 – Q5 – Maturity and Asset Transformation, Cashless Products, Loan Classification

Explain maturity and asset transformations in banking, identify five cashless products, and list loan classification categories per Act 930.

You're reporting an error for "BORMPTM – APR 2023 – L3 – Q5 – Maturity and Asset Transformation, Cashless Products, Loan Classification"

BORMPTM – APRIL 2023 – L3 – Q4 – Bank Balance Sheet Items, Digital Payment Channels, Products

Identify and explain five items each on assets and liabilities sides of a bank's balance sheet; explain five benefits and challenges of digital payment channels in Ghana; mention five products driving digital payments.

You're reporting an error for "BORMPTM – APRIL 2023 – L3 – Q4 – Bank Balance Sheet Items, Digital Payment Channels, Products"

BO – April 2023 – L3 – Q3 – Liquidity Risk, Repurchase Agreements, and Government Bonds

Identify five sources of liquidity risk and management ways for shortfalls; explain repurchase agreements and five eligible securities in Ghana; describe Ghana domestic bonds vs. Eurobonds post-DDEP.

You're reporting an error for "BO – April 2023 – L3 – Q3 – Liquidity Risk, Repurchase Agreements, and Government Bonds"

BO – April 2023 – L3 – Q2 – Securitization, Funds Transfer Pricing, and Net Open Position

Explain securitization and its benefits, describe funds transfer pricing in ALM, and detail net open position including long/short positions from a balance sheet view.

You're reporting an error for "BO – April 2023 – L3 – Q2 – Securitization, Funds Transfer Pricing, and Net Open Position"

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