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BANK FINANCIAL MANAGEMENT 

Case studies / Numericals

CAIIB-BFM-CASE STUDIES - LAST MINUTE REVISION

1. A bond having a McCauley’s duration of 8 Yr is yielding 10% at present. What will be the modified duration?
a) 8.8181
b) 8.2323
c) 7.5353
d) 7.2727
Ans - d
Modified duration is McCauley's duration discounted by one period yield to maturity
Here we are talking McCauley's duration is 8 years.
Modified duration =McCauley's duration / ( 1 + yield )
= 8 /(1 + 10%)
= 8/(1 +0.1)
= 8/(1.1)
= 7.2727

2. Retirement of import bill for GBP 100,000.00 by TT Margin 0.20%, ignore cash discount/premium, GBP/USD 1.3965/75, USD/INR 55.16/18.
Compute Rate for Customer.
a. 76.5480
b. 76.6985
c. 77.1140
d. 77.2682
Ans - d
Explanation : For retirement of import bill in GBP, we need to buy GBP, to buy GBP we need to give USD and to get USD, we need to buy USD against Rupee, i.e. sell Rupee. At the given rates, GBP can be bought at 1.3975 USD, while USD can be bought at 55.18. The GBP/INR rate would be 77.1140. (1.3975 x 55.18), at which we can get GBP at market rates. Thus the interbank rate for the transaction can be taken as 77.1140. Add Margin 0.20% 0.1542. Rate would be 77.1140 + 0.1542 = 77.2682 for effecting import payment. (Bill Selling Rate).

3. 12% government of India security is quoted at RS 120. If interest rates go down by 1%, the market price of the security will be?
a. 120
b. 133.3
c. 109
d. 140
Ans – b
Explanation : Current Yield = Coupon Rate x 100/CMP
Current Yield = 12 x 100/120 = 10%
Now, Interest rate goes down by 1% (That is 9%).
By applying the same formula, we get :
9 = 12 x 100/CMP
CMP = 1200/9 = 133.3

4. On 15th June, Customer presented a sight bill for USD 100000 for Purchase under LC.
Transit period is 20 days and Exchange margin is 0.15%.
The spot rate is 34.80/90.
Forward differentials: July - .65/.57 Aug - 1.00/.97
Sep - 1.40/1.37
How much amount will be credited to the account of the Exporter?
a. 28.0988
b. 34.0988
c. 40.0988
d. 44.0988
Answer : b
Solution : Bill Buying rate will be applied.
Spot Rate = 34.80 Less discount .65 = 34.15
Less Exchange Margin O.15% i.e. .0512 =34.80-0.60-0.0512
=34.0988

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