Question:

Credit and Collection Make an Insight or recommendation The ABC Bank gave XY's Case to Z recovery agent, along with other overdue loans for recovery. The Z recovery agent called XY a couple of times and also visited him at his residence. As XY was not able to repay the amount in default, Z used abusive and harsh languages in front of XY's wife and daughters to make recovery. During one of the visits to XY's house, Z and his colleagues took away forcibly some of the things that were available in XY's house in front of his wife and daughters and also used threatening language for payment of the dues. XY felt very much humiliated and also depressed. Being unable to repay the dues. XY committed suicide. He left a suicide note, blaming Z for harassing him endlessly. Mentioned the abuses he had suffered at the hands of Z before his wife and daughters. Also mentioned the threat Z gave that he would suffer dire consequences if he failed to repay the overdue amount. Following the suicide death of XY, the local police arrested Z and his colleagues (who used to accompany Z during his visits to XY's house) on charges of abetment of suicide. A case was also filed against the ABC Bank, which has to pay an ex-gratia payment of Rs.20 lakhs to the deceased's family. The incident has also been publishing in the press and has damaged the Bank's reputation in public eye, at least for the time being.

Answer to Q#14 (First question in the list): Option-(a): Dividends Reason: Firm raises capital and funds through equity and debt for its business operations and expansion. Equity capital refers to owners\" capital because shareholders who have contributed equity capital are entitled to hold partial ownership of the company to the extent of percentage of equity held by each shareholder. Debt capital refers to lenders' fund contributed by various lenders like bond-holders or banks or other financial institutions at the periodic interest rate agreed upon for defined maturity period. There are two types of equity capital such as common and preferred. The preferred capital differs from common capital in terms of preferability in receiving dividends declared by companies and contributed capital in case of company's liquidation stage. That is, preferred shareholders are paid first before the common shareholders both dividends as well as capital repayment during company's liquidation phase. For both preferred as well as common shareholders, company will distribute prots of the company by way of periodic dividends, though it is not mandatory for any company to pay dividend to its shareholders even if the company earns large prot. It is management's decision after considering all aspects for the interest of the company whether to declare dividend for the period or not. As explained, dividend is a distribution of prot to its shareholders by a company and so it is not an expense. And, when dividend is paid, cash balance will decrease and so cash account cannot be debited while distributing prots to shareholders. Capital contribution refers to common stock or preferred stock which will be debited at the time of retiring only and so Capital contribution account shall not be debited while paving dividends. Dividend account shall be debited while distributing profits to shareholders and dividend account shall be closed to retained earnings at the end of the reporting period while making closing entries. So, option-(a) is the correct answer and all other answers are incorrect. Question 1 A 52 years old woman with a history of multiple transfusions presents after a motor car accident. She is very hypotensive with suspected internal injuries and bleeding. Your blood bank records show that the patient is group A Rh(D) positive with an anti-c. The doctor requests two units of urgent O Rh (D) negative blood uncrossmatched. How do you respond?Question 14 (1 point) The following is the balance sheet of the whole banking system (all figures are in $billions): Assets Liabilities and Equity Reserves $10 Demand deposits $160 Securities 140 Equity 40 Loans 30 Land & Buildings 20 Refer to the information above to answer this question. Assume that the target reserve ratio is 5 percent. What is the maximum amount by which the commercial banking system can expand the supply of money? A) $40. O B) $10. O C) $38. O D) $2. O E) $25