GFI: JAIBB suggestive questions

Module A: Concept and pre-requisites

1. What is corporate governance? Write down the historical perspective of corporate
governance.
2. What are the benefits of good governance in the FIs?
3. How can good governance be achieved in a business organization?
4. "Corporate governance is the system by which business corporations are directed and
controlled." Justify the statement in the context of financial institutions.
5. Discuss the need and importance of good governance in Banks. or, Why good governance
is so important especially in the financial institutions?
6. Write the roles and responsibilities of the regulators and supervisors according to Basel
Committee?
7. Briefly describe the corporate governance principles issued by Basel Committee on banking
supervision.
8. Discuss in brief the key aspects of good governance.
9. What do you mean by mission and vision? What is the importance of mission statement?
10. What is the difference between mission statement and brand promise?
11. What is code of conduct? What factors need to be considered for inclusion in code of
conduct?
12. What is the code of conduct according to Bank for International Settlements (BIS)?
13. What are the principles of BIS on Code of Conduct?
14. What is corporate culture? What is the importance of developing corporate culture in a FI
or NFs?
15. What is organizational culture? How does it impact business strategy?
16. “Some directors think themselves as „owner‟ of the bank, and some staffs are also
responsible for supporting them” – In the context of the statement, please, discuss your
assessment on bakns/financial institutions (FIs) in Bangladesh.
17. Who is/are the real owner of the bank/FI? Please justify your answer in brief.
18. “Good governance not only boosts the reputation of the bank, but also has several benefits
to its progress”. Explain the statement in brief.
19. Explain the benefits of good governance in banking institutions.
Module B: Board and its responsibilities
1. What do you mean by Board of Directors (BoD)?
2. What is the governance structure / composition of Board of Directors of bank?
3. Describe the responsibilities and authorities of the Board of directors as per Basel
Committee/Bangladesh Bank Guidelines.
4. Briefly discuss the responsibilities and authorities of the Board of Directors regarding
banking operation and risk management.
5. "Audit committee comprises with directors who are not Members of Executive Committee
of the Board of Directors." Justify the statement.
6. What do you mean by independent director? Write down the qualifications for an
independent director.

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 GFI: JAIBB suggestive questions

7. Write the responsibilities of independent director.

8. What are the criteria for appointing an independent director as per the instructions of
BSEC Notifications, 2018?
9. Describe the different types of Board Committees.
10. What is governance framework and how FIs implement it?
11. What are the importance / purposes of governance framework?
12. What does governance framework cover?
13. Describe the contents of corporate governance framework.
14. Name the distinct sides of a corporate governance framework. Write down the main
functions of these sides.
15. Who can be the chairman of the Board of Directors? Write down the responsibilities of
Chairman of Board of Directors.
16. The chairman of a bank shall not engage himself in the day to day business of the bank-
Explain.
17. When and how the Board of an FI can be dissolved and observer is appointed?
18. What do you understand by strategic objectives?
19. With the rising number of banking frauds, what changes to corporate governance structure
of banks do you suggest to tackle it?
20. Who is an observer? When and how the board of a bank can be dissolved and an observer
is appointed?
Module C
1. What do you mean by Senior Management Team (SMT)? Write down the qualifications of
senior management team.
2. Discuss the role of SMT in an organization.
3. As per the internal control and compliance guidelines (2016) of Bangladesh Bank, what are
the roles played by Senior Management Team (SMT) in strengthening the internal control
system of a bank?
4. Describe the rules and regulations for appointing the chief executive of a bank company as
per the Bangladesh Bank directives.
5. What qualifications are to be considered while appointing a Managing Director?
6. Discuss in brief the roles and responsibilities of Chief Executive Officer (CEO) to achieve
the goal of a financial institution?
7. How can a CEO or MD be changed? Can Bangladesh Bank change the CEO? How?
8. What is Business Strategy? Write down the elements of good business strategy.
9. What is corporate culture or organizational culture? How it can be developed?
10. Discuss the relationship between organizational culture and business strategy?
Module D
1. What do you understand by Capital Adequacy? Write down the importance and
implications of Capital adequacy.
2. What is the basic difference between 'Going-Concern' and 'Gone-Concern' Capital? List the
components of Going- Concern' capital.

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 GFI: JAIBB suggestive questions

3. Describe the components of capital.

4. What is liquidity profile? Write down the sources to meet up liquidity.
5. Describe the indicators of liquidity risk for a bank.
6. Why liquidity management is so important in Banks?
7. Mention the sources of funds that can be used by a bank to meet up the unexpected
demand for funds.
8. What assets a commercial bank maintain? Why asset composition is required to maintain
by banks?
9. What are the risk weighted assets (RWA) of a bank?
10. What is an asset driver? Write down the major asset drivers.
11. What do we understand by problem asset? Describe the classification of problem assets.
How problem assets may impact on banks?
12. How does bank manage the problem assets? Or Discuss the techniques of managing
problem assets of a bank.
13. What steps to be followed to form a separate Special Asset Management unit or recovery
unit? Write down the key responsibilities of SAM unit.
14. Write down the best practices of problem asset management functions.
15. "While lending or investing, a bank must look at the net rate of return obtained and the
associated risks of holding such earning assets." Justify the statement with example.
16. At present in Bangladesh, a bank has to maintain 12.50% of its risk weighted assets as
Capital Adequacy Ratio (including Buffer). Suppose, a bank has 12% adversely classified
loans investment and its CAR is 9.50% (including Buffer). What problems this bank will
experience in doing its business operations?
Module E
1. What is ERM? Write the benefits, weakness and challenges of ERM in FIs.
2. Describe the components of ERM.
3. What is material risk? Briefly discuss the most important / material / enterprise risks for
Banks/FIs and how to manage these risks of a bank?
4. Mention the material risks financial institution deal with. How do financial institutions
minimize/mitigate the credit risk and operational risk?
5. Define emerging risks with their characteristics.
6. What do you mean by risk culture? How is it developed? Write the impact of risk culture on
risk management.
7. Why risk culture can be failed?
8. How you manage the different material risk in your institutions?
9. What do we understand by three lines of defense? Elaborate the lines.
10. Discuss in brief the function of three lines of defenses in the context of risk management
purposes of a bank.
11. “The function of First-line of defense is very important among the three line of defense in
management” – evaluate the statement.
12. What do you mean by regulatory compliance?

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 GFI: JAIBB suggestive questions

13. What are the core principles of regulatory compliance?

14. What are the regulatory requirements and compliance challenges faced by financial
institutions?
15. "Regulatory compliance is effective against fraud, abuse and penalties" Please explain the
statement.
16. Which one is the most disastrous risk for a bank/FI? Please, justify your answer.
17. Please, discuss the risks and benefits of letting a distressed bank/FI die.
Module F
1. What are the main purposes behind the formation of different subsidiaries by the financial
institutions?
2. What is merchant bank? Write the function of merchant banking.
3. State the maximum limit of investment in capital market by a bank.
4. What do you mean by offshore banking? Discuss its advantages and disadvantages.
5. With whom can Off-Shore Banking Unit (OBU) do its business?
6. Define brokerage and brokerage service of bank in capital market. Discuss about the
brokerage services provided in capital market and their importance.
7. What do you mean by structured finance? Describe different forms of structured finance.
8. Define Islamic Banking. What is the difference between conventional banking and Islamic
Banking?
9. What is Mobile Financial Services (MFS)?
10. What are the broad categories of payment services offered by Mobile Financial Services
(MFS) provider?
11. What is the future of Mobile Financial Service (MFS) in Bangladesh?
12. Describe the importance of MFS in digital agenda.
13. Discuss the advantages and disadvantages of MFS.
Module G
1. Relationship with the shareholders is a cornerstone for the life of a bank, Explain. Write
the 6 Principles of Shareholder Communication.
2. Why relationship with the competitors is so important?
3. Define customer relationship management. Why customer relationship is important in
bank?
4. "In the banker and customer relationship both parties have some obligations and rights."
Explain the statement.
5. “The relationship between banker and customer is not only that of a debtor and creditor,
they have other relationships too” – describe the relationship.
6. How can a bank build strong customer relationships?
7. Discuss about bank disclosure and transparency. Why full disclosure is important for a
bank or financial institutions?
8. Discuss the advantages and disadvantages of full disclosures of a bank or financial
institutions.

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 GFI: JAIBB suggestive questions

9. What are the principles of Bank of International Settlement on disclosure?

10. How can greater disclosure of banking problems reduce the cost of banking crisis? Discuss
in brief the importance of disclosure.
11. What are the basic rules for customer complaints received by the financial institutions?
12. Discuss in brief the complaint resolution process.
Module H
1. What do you mean by future outlook of the organization? Identify the important features
of future outlook of the organization.
2. Name the steps of a new business initiative.
3. What is digital agenda? Write down the objectives of Digital agenda.
4. Describe the components of digital agenda.
5. What are the objectives of digitalization?
6. What do you mean by new business initiatives? Discuss the steps for new business
initiative.
7. Discuss about the new business initiatives that can help SME businesses adapt to changing
economies.
8. What is IT infrastructure? Describe data center infrastructure and describe its components.
9. Describe people plan. What are the objectives of a people plan of an organization or bank?
10. What is employee upscaling and rescaling?
11. What does upskilling mean? Discuss the benefits of designing and implementing an
employee upskilling program.
12. Discuss the strategies followed by the organization for people plan.
13. What do you understand on succession plan and what is the process of succession plan?
14. What are the advantages of succession planning?
15. Discuss the 7 Steps of Succession Planning Success.
16. What are the benefits of succession planning?
17. Describe the succession plan in recruiting and up scaling employees of future.
18. "Succession planning is a contingency plan. It is not a one-time event." Justify the
statement.
Short Note
Acquisition and merger Civil Society
Audit Committee Cloud computing
BIS Principles on disclosure Code of Conduct
Brand promise Complaint management
Brokerage Service CSR
Business continuity plan (BCP) Custodial services
Capital adequacy Digital bank
Cashless Bangladesh Employee upskilling
Central bank digital currency Executive Committee
CEO succession plan Future looking organization

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 GFI: JAIBB suggestive questions

Horizon scanning Risk culture

Infrastructure components Risk Management Committee
Islamic window banking Special Asset Management unit
Legal protection of whistle blowers Stewardship theory
Liquidity Profile Strategic Objectives
Local Governance agencies Structured finance
Market positioning Sub branch
Market Repositioning Tier 1 Capital (going-concern capital)
MFS Tier 2 Capital (gone-concern capital)
New Business Initiatives Tone from the top
Off-shore banking unit (OBU) Upscaling employees
Organizational culture Vision and Mission Statement
People Plan Whistle blowers
Problem asset Management Willful defaulter
Risk appetite

Md. Mizanur Rahman, Cell: 01870478713