Principles of Banking and Insurance Summer 25 - MID

Daffodil International University Faculty of Business and Entrepreneurship Department of Business Administration Program: BBA Semester: Summer 25 Time: 1 Hour and 30 Minutes Course Code: 0412-312 Section: All Examination: Mid-term Full Marks: 25 Course Title: Principles of Banking and Insurance Teacher's Name: SNR, RA, MOG, Julhas Part-A: Theoretical Part Marks 15 Answer all from the following questions (3*5=15) l. A bill of exchange and a promissory note may differ in specific manners. Compare between Bill of exchange and promissory note with appropriate example. (CLOI , Level 2) 2. Compare basic characteristics of recurring deposit and current deposit accounts. (CLO l, Level 2) 3. Briefly explain the followings. (CLOI, Level 2) a) NOSTRO,VOSTRO account b) Cash credit system c) 5 C's to asses creditworthiness d) Sound lending Marks: 10 Part B: Mathematical Part l. Use the following financial statements of XYZ bank Ltd for the year ended December 3 1, 2024 and Analyze the following ratios along with interpretation. (CL02, Level 4) a. Return on Equity, b. Return on Assets, Net interest Margin, d. Earnings spread, e. Net operating margin, f. Net profit margin, g. Asset utilization, h. Equity multiplier, i. Non interest margin, j. Earnings per Share. Items Interest and fees on loans Locker rent Interest paid on non-deposit borrowings Provision for loan losses Noninterest income and fees Interest and dividend on securities Securities gains (or losses) Interest paid on deposit Overhead expense Amount in million BDT 3925 556 320 165 225 998 25 825 15 Items Advertisement and promotion Total assets Commission, exchange , Brokerage Shares of common stock outstanding Salaries and employee benefit Total liabilities Taxes Noninterest expense -Z Earning asset Amount in million BDT 15 19365 112 12500 725 14825 45 275 18500