CAIIB · BFM · Chapter 1

Exchange Rates and Forex Business

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Bank Financial Management — CAIIB.

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Q

Define Foreign Exchange under FEMA 1999 Section 2.

A

Foreign currency deposits, credits, balances payable in foreign currency, and instruments (drafts, LC, bills) expressed in any currency.

Q

Why is spot the most liquid settlement convention in forex?

A

Largest market participation with highest volume, depth and volatility across all participants.

Q

When is a currency at premium in forward markets?

A

When forward value is higher (costlier) than spot rate; opposite currency is at discount.

Q

What is the dominant driver of forward premium/discount?

A

Interest-rate differential between the two currencies in frictionless markets.

Q

Which quote system has India followed since August 1993?

A

Direct quote system (e.g. USD/INR = 83.10/11); replaced earlier indirect system.

Q

Explain cross-rate mechanism in forex.

A

Computing unavailable currency-pair rate using common intermediate currency (USD) via two available pairs.

Q

Define bid rate in a dealer quote.

A

Rate at which quoting bank buys the base currency; lower side of two-leg quote.

Q

Distinguish per cent (%) from per mille (‰).

A

Per cent is per 100; per mille is per 1,000. Per mille used for very small margins in FEDAI rules.

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