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CIB810S-CONTEMPORARY ISSUES IN BANKING AND FINANCE-1ST OPP-JUNE 2025 |
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nAm I BI A u n IVE RSITV
OF SCIEn CE AnD TECHn OLOGY
FACULTY OF COMMERCE, HUMAN SCIENCES AND EDUCATION
DEPARTMENT OF ECONOMICS, ACCOUNTING AND FINANCE
QUALIFICATION: POST GRADUATE DIPLOMA IN DEVELOPMENT FINANCE
QUALIFICATION CODE: 08PGDD
COURSE CODE: CIB810S
SESSION: JUNE 2025
LEVEL:8
COURSE NAME: CONTEMPORARY ISSUES IN
BANKING AND FINANCE
PAPER: THEORY AND APPLICATION
DURATION: 3 HOURS
MARKS: 100
EXAMINER
MODERATOR
FIRST OPPORTUNITY EXAMINATION QUESTION PAPER
Dr Winnie Thebuho
Dr Canicio Dzingirai
INSTRUCTIONS
1. This question paper consists of FIVE (5) Questions.
2. Answer ALL the FIVE (5) questions in blue or black ink only. NO PENCIL and TIPEX
3. Start each question on a new page and number the answers correctly and clearly.
4. Write clearly and neatly.
5. Questions relating to this examination may be raised in the initial 30 minutes after the start
of the examination. Thereafter, candidates must use their initiative to deal with any
perceived errors or ambiguities, and any assumptions the candidate makes should be
clearly stated.
PERMISSIBLE MATERIALS
1. None
THIS QUESTION PAPER CONSISTS OF _3_ PAGES (including this front page)
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QUESTION 1
[20 MARKS]
Banks play a crucial and multifaceted role in a modern economy, acting as the linchpin of the
financial system and facilitating the flow of funds between savers and borrowers. Their
functions are essential for economic growth, stability, and efficiency.
REQUIRED:
MARKS
Based on these favourable conditions, discuss the role of Banks in an economy. 20
QUESTION 2
[20 MARKS]
REQUIRED:
MARKS
a) Discuss the key features of Risk Management in the Namibian Banking 15
and Finance Industry.
b) Using illustrative examples, analyse the meaning of politically exposed
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persons (PEPs) in the context of Anti-Money Laundering (AML)
legislation and regulation, with specific reference to the definitions
mentioned in the Financial Action Task Force (FATF) guidance on
politically exposed persons.
QUESTION 3
[20 MARKS]
REQUIRED:
MARKS
a) Critically analyse the implications of Non-Performing Loans (NPLs) on a 15
country's economy and the rationale for establishing a 'Bad Bank'.
b) Some commentators have argued that the creation of 'bad banks'
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increases 'moral hazard' in the banking sector. Explain this argument.
QUESTION 4
[20 MARKS]
Microfinance in Namibia is regarded as a catalyst for grassroots Inclusion.
REQUIRED:
MARKS
With the aid of examples, evaluate the role and challenges of microfinance and 20
mobile banking in promoting financial inclusion in Namibia.
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QUESTION 5
[20 MARKS]
REQUIRED:
MARKS
a) Assume a small economy like Namibia has a banking sector dominated
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by four large banks. As a policymaker at the Bank of Namibia, what
measures could you consider implementing to foster greater competition
and innovation in this banking sector, while also ensuring financial
stability? Evaluate the potential benefits and drawbacks of each
measure
b) Explain the role of and limitations of disclosure regulation in consumer
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protection.
c) "Capital requirements form an important part of prudential regulation."
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Expla.in at least two functions of bank capital requirements.
'
. ., ' . .
'.
·_1j·
END OF EXAMINATION PAPER
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