MS-495 Ethics and Corporate Governance in Banks

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ASSIGNMENT

Course Code
MS-495
Course Title
Ethics and Corporate Governance in Banks
Assignment Code
MS-495/TMA/SEM-I/2015
CREDIT
4
Coverage
B1843
MAX.MARKS
All Blocks


Note: Answer all questions. Kindly note that answers for 10 marks questions should be approximately of 400 words. Each question is followed by evaluation scheme.


1What are the criteria used for resolving ethical dilemma? Explain giving examples.
Answer: There are three conditions that must be present for a situation to be considered an ethical dilemma. The first condition occurs in situations when an individual, called the “agent,” must make a decision about which course of action is best. Situations that are uncomfortable but that don’t require a choice are not ethical dilemmas. For example, students in their internships are required to be under the supervision of an appropriately credentialed social work field instructor. Therefore, because there is no choice in the matter, there is no ethical violation or


2. Identify any listed bank and describe the importance of disclosure and transparency for sound corporate governance.

Answer: Corporate governance is beyond the realm of law. It cannot be regulated by legislation alone. Legislation can only lay down a common framework – the "form" to ensure standards. The "substance" will ultimately determine the credibility and integrity of the process. Substance is inexorably linked to the mindset and ethical standards of management. Studies of corporate governance practices across several countries conducted by the Asian



3. Describe the challenges facing sustainable development and examine its practical implications.

Answer: Economic, Environmental, and Social Trends: Driven by technological advances and global integration, the strong economic growth experienced over the last century has been accompanied by gains in material welfare in all parts of the world. World GDP is projected to expand by 75% between 1995-2020, bringing with it increased pressures on environmental and social resources. Governments pursuing sustainable development face the challenge of discerning how best to balance the challenges and opportunities of growth and to decouple economic growth from environmental pressures.




4. Discuss the role of corporate governance in financial sector with special reference to micro finance institutions.
Answer: The large, complex financial institutions (LCFIs) are highly levered entities with over 90% leverage. This highly-levered nature makes them prone to excessive leverage- and risk-taking tendencies. By and large LCFIs also have explicit deposit insurance protection and almost always an implicit too-big-to-fail guarantee. The presence of such guarantees - often un-priced and at best mis-priced - has blunted the edge of the debt monitoring that would otherwise exert an important market discipline on risk-taking by these firms.



5. Briefly discuss the recommendations of Kumar Mangalam Birla Committee, (1999) on corporate governance.

Answer: In early 1999, Securities and Exchange Board of India (SEBI) had set up a committee under Shri Kumar Mangalam Birla, member SEBI Board, to promote and raise the standards of good corporate governance. The report submitted by the committee is the first formal and comprehensive attempt to evolve a ‘Code of Corporate Governance', in the context of prevailing conditions of governance in Indian companies, as well as the state of capital markets.
The Committee's terms of the reference were to:



6. Write short notes on the following:

a) The Tata DNA

Answer: The TATA boxis a DNA sequence found in the promoter region of genes in archaea and eukaryotes approximately 24% of human genes contain a TATA box within the core promoter.

Considered to be the core promoter sequence, it


b) OCTAPACE values

Answer: OCTAPACE also represents eight HRD values; ‘The eight HRD values, viz. OCTAPACE values (Openness, Trust, Pro-action, Confrontation, Collaboration, Authenticity, Autonomy, and Experimentation), give a sense of direction to the HRD function.’ An optimum level of “Development Climate” is essential for facilitating HRD. Such a climate is characterized as consisting of the following characteristics i.e. known as OCTAPACE. A



c) Japanese model of Corporate Governance

Answer: The critical distinction between the American model of corporate governance and the German and Japanese models is that in Germany and Japan large-block shareholders take an active management role to mitigate managerial shirking and misconduct. German and Japanese commercial banks are at the center of their respective corporate governance

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Send your semester & Specialization name to our mail id :
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