Business Communication for Financial Services - Stage-I
ISQ Examination (Summer-2007)

 

Q.1
Fill in the blanks by selecting the most appropriate word from the opinion provided in each situation: (12)
Without followers, there would be no leaders. The concept of leadership, and the qualities needed for someone to become a leader, can probably best be understood by studying the __________________(1) between the leader and his or her followers.
Good leaders have _____________(2) - the ability to step into someone else’s shoes - because they are good listeners. They are open, always willing to discuss and ____________________(3) problems.
Team-building is one of the top priorities of effective leaders. They work at _______________(4) an environment in which each team member, while contributing to the team effort and to the purpose of the organization, is able to improve on their own _________________________(5)
Indeed, they are very good at ____________________________(6) their staff, enabling each of them to become a creative and independent team player. This way, every individual __________________(7) the confidence and ability to ______________________(8) the kind of decisions which will help the company ___________________(9) its long-term goals.
Good leaders are also inclusive, they like to involve everyone - and they understand the importance of delegating ___________________________(10).
Finally , they have more than just targets: they have a ______________________(11). They can see clearly where they would like the company to be in five or ten years’ time, and they are able to _________________________(12) this to their employees.

 

Sl.#
(A)
(B)
(C)
(D)

1.

contract
relationship
report
friendship
2.
empathy
charisma
passion
sympathy
3.
deal
solve
ignore
grapple
4.
creating
elaborating
inventing
designing
5.
achievement
programme
appraisal
performance
6.
strengthening
persuading
caring
empowering
7.
rebuilds
gains
restores
wins
8.
do
arrive
make
abide
9.
work
score
achieve
kick
10.
energy
aggressiveness
informality
authority
11.
vision
sight
view
scope
12.
talk
discuss
communicate
debate

Q.2
Complete each sentence with the correct form of the word in bold letters. Sometimes you will need to use a negative form using a prefix (un-, dis-, de-) (05)
1
SATISFY
a
Women are more _____________ with their jobs than men in many countries.
b
Low pay and poor working conditions create ________________ workers
c
Small European countries are the top of job _______________ league tables
2
MOTIVATE
a
What are the strongest __________________ factors in people’s lives?
b
Workers become ______________ if they work long hours for low pay.
c
What was your ________________ for becoming a salesperson?
3
FULFIL
a
Becoming Department Head was the _____________ of a lifelong ambition.
b
He ________________ his role as manager very effectively.
c
I feel ______________ in my job because I am not given enough responsibility.
4
INSPIRE
a
Javed was an ______________ business leader who motivated employees.
b
He has been an __________________ to the new members of staff.
c
After an ________________ launch, the new model quickly failed.
5
FRUSTRATE
a
You could see the _________________ building up in the workforce.
b
I find talking to him ______________ because he never listens to anything I say.
c
I felt so __________________ with their attitude that I decided to resign.

Q.3
Complete the telephone call with phrasal verbs from the list below that mean the same as the words in brackets. (13)
CALL BACK
CUT OFF
GET BACK TO
GET THROUGH
BREAKING UP
GO AHEAD
GO OVER
HOLD ON
LOOK INTO
PUT THROUGH
RANG UP
SORT OUT
SPEAK UP

Receptionist; Good morning, Media Solutions, how can I help you?

Danish: Can you (1) ___________ me ____________ (connect) to Azra Naseem, please?

Receptionist: Of course, hold the line-I’m sorry, caller, I can’t (2) _______________ (make contact) at the moment, the line’s busy. Shall I ask her to (3) _________________ you ________________ (telephone again)?

Danish: It’s OK, I’ll leave a message.

Receptionist: OK, (4) ___________________(wait) just a second while I look for a pen - Right, (5) ________________ (continue).

Danish: My name is Danish Ali, from Weston Security. Ms. Naseem (6) ________________ me ____________ (telephoned) yesterday. She wanted me to (7) ______________________ (investigate) the cost of installing an alarm system for your premises. I said I’d (8) ___________________ (telephone again) her today.

Receptionist: I’m sorry, Mr. Danish, the line is very bad, can you (9) __________________ (talk louder) please? Hello? Hello? I’m sorry, you’re (10)______________________ (having problems with the signal). Hello?

Danish: Sorry about that. I’m on a train using my mobile and we were (11) ______________ (disconnected) in a tunnel. Er, yes, as I was saying, I’ve managed to (12) ________________ something ______________ (organize).Can you tell her that I’ll send her a quotation along with all the other details in the post?

Receptionist: Oh, right, can I (13) _______________________(check) that again? Your name is Danish Ali, from Weston Security, and you’re going to send some details about an alarm system in the post.

Danish: That’s right. Thank you for your help. Goodbye.

Q.4
Match words from List A and B to make word partnerships, adding the word OF if necessary. (10)
LIST - A
ACTION
ADMISSION
CONTINGENCY
DAMAGE
FLOW LEGAL
LOSS
PRESS
SPEED PRESS

LIST - B
ACTION
CONFERENCE
CONFIDENCE
INFORMATION
PLAN
LIABILITY
LIMITATION
PLAN
RELEASE
RESPONSE

Complete these sentences with the word partnerships you have matched.
1
How quickly a crisis is reacted is known as the __________________________.
2
In a breaking crisis, management may speak to the media in person at a(n) __________________.
3
Alternatively,they may have a written statement which is given to the media in the form of a(n) ____.
4
During the crisis, management may choose to keep customers or employees up to date with a regular_______________________.
5
A strategy for dealing with a crisis is a (n) ______________________.
6
A backup strategy is a(n) ______________________.
7
The risk of being taken to court is the threat of ________________________.
8
An acceptance of responsibility in a crisis is a (n) __________________.
9
Following a crisis, a company may suffer a decline in loyalty from its customers, or a (n) _________ in its product or service.
10
Minimising the negative of a crisis is known as ____________________.

 

Q.5
Governor State Bank of Pakistan, Dr. Shamshad Akhtar, while addressing the 56th Annual General Meting of the Institute of Banker Pakistan (IBP) talked about Basel-II implementation. Given below is an extract from her speech.

“Such a large and diverse portfolio of risks gives a vivid description of the complexity of risk management as a subject. Yet these risks are far from being independent and require a holistic approach for their mitigation and management. It is both the financial institutions’ and the regulators’ responsibility to achieve an optimal management of these risk. We have an intrinsic interest in the financial health of each institution because all these institutions together define the financial stability, smooth functioning of the payment system, and eventually promote economic growth.”

You are required to prepare an explanatory note for the senior management of your bank covering key issues raised in the said extract. (10)

Q.6
Strategic alliances are key to the survival of technology companies and they greatly benefit other business sectors. Read this article and answer the questions. (20)

Of all the trends sweeping across the business landscape, few will have more of an impact on companies than strategic partnerships. We have all seen the power of ‘partnering’ in almost every industry. The revival of the US automotive industry, which was partly the result of co-operative agreements with Japanese car makers, is a good example. We have also witnessed the disastrous effects of ‘going it alone’ - the US steel industry almost collapsed because it failed to ally itself with strategic players. The information technology (IT) industry is no exception. Not only does it encourage business relationships, it also develops tools, such as Electronic Data Interchange (EDI) technology, that facilitate business partnerships in other markets.

Strategic partnerships also promote the development of technologies that would not, or could not, be developed by manufacturers working independently. Strategic alliances will create new playing fields for enterprises. Those companies involved in strategic alliances will benefit greatly from the standards and economies of scale that result. On the other hand, industries that insist on keeping a ‘hands- off’ relationship between suppliers, customers and competitors will be left behind.

Why is all this good for the client? Because strategic alliances enable user organizations to develop critical standards, create new markets, jointly fund large efforts in their common interests, quickly respond to new opportunities, and share information. Customers today are not well served by vendors operating in a vacuum, and increased competition has made users much more demanding.

Consider the IT industry: from the early 1960’s through the 1980’s, account control was the name of the game. Clients were locked into a particular supplier’s systems. Their choices were limited, and they had little, if any, control over price increases. Eventually, computer users rebelled. The world of open systems, in which customers became empowered to exercise much wider freedom in selecting hardware and software vendors, killed the practice of account control forever.

But open systems were a two-edged sword. On the upside, freedom of choice presented great opportunities for large-scale savings. On the downside, clients had to become in-house systems integration experts as they tried to cope with multiple IT providers who rarely, if ever, talked to one another.

Over time, users began insisting that vendors co-operate among themselves to guarantee that computer systems, networks, applications and databases could be managed together. They needed to be certain that the hardware and software they licensed operated together flawlessly.

In the end, systems integration became such a daunting task that many customers began relying on a few, loyal, hand-picked vendors. In return, the best hardware and software suppliers transformed their relationships with clients into much more than buying/selling agreements. They formed complex, strategic partnerships with their fellow suppliers.

1
Complete these expressions with words from paragraph one and related words.
a
If you decide to work closely with someone, you a ________ yourself with them.
b
Someone you work with is an a___________ or p____________.
c
Another name for alliance is a p____________________.
d
The adjective related to ‘co-operation’ is co _________________.
e
If you don’t co-operate with anyone, you go _______________________.
2
Which three industries present good examples of strategic alliances at work are mentioned specifically in the first paragraph?
3
What are the two advantages for companies belonging to an alliance? What is the disadvantage of not belonging? (paragraph two)
4
What are the five advantages for customers who work with companies that are part of alliances? What effect has this had on customers? (paragraph three)
5
True or False (paragraphs four and five)
a
From the 1960’s to the 1980’s, most companies had only one computer supplier.
 
b
Companies at that time could easily change suppliers.
 
c
Most companies still have the same relationship with their computer system supplier.
 
d
Customers are much freer to choose the system they want.
 
e
This has its advantages and disadvantages.
 
f
At first, when a company had several system suppliers, these suppliers often communicated with each other.
 
6
Find words in the last two paragraphs that mean
a
sellers of computers (7 letters)
b
systems of computers working together (8 letters)
c
jobs that computers are used for (12 letters)
d
large amounts of information held on computer (9 letters)
7
Which of these things are not mentioned in the last two paragraphs?
Computer systems users:
a
insisted that system suppliers work together
b
insisted that their systems work perfectly
c
Started to buy equipment instead of licensing it
d
Found that system integration was easy
e
Were willing to pay more for systems that worked perfectly
f
Were a factor in encouraging systems suppliers to form alliances
Q.7
Which one of these business situations would worry you most? Why?
Answer in one paragraph of not more than 150 words. (10)
a
You read in the paper that your bank will probably be merging with another bank.
b
You keep your job after a merger, but you are in a less powerful position.
c
Your bank has to relocate to the other side of the city.
d
You are asked to relocate to a dangerous foreign country.
e
You are promoted but are now in charge of a hostile workforce.
f
You have to move from an open plan office to sharing your boss’s office.
g
You have to work with a completely new computer system.
h
You have to decide who to make redundant in your new department after a merger.

Q.8
You organized the conference at the Modern Hotel but it did not go well. Write a letter (150 to 200 words) to the manager of the hotel complaining about the problems you had and asking for a discount on the bill. Suggest a figure for this discount. (10)
Q.9
CASE STUDY - YOUR OWN BANK (YOB) (10)

BACKGROUND

‘We constantly review our business in order to provide customers with excellent service at competitive prices. As part of our major reorganization, we’ve been looking at the cost of customer services. We have a range of options. We can make changes in-house, outsourcing call centres to areas within Pakistan or outsource off-shore to low-cost countries such as Sri Lanka.’ Ghulam Hussain, Chief Executive, Your Own Bank (YOB)

The Chief Executive made the statement above to a group of investors three weeks ago. YOB lost Rs. 11.5 billion last year because it invested in unprofitable areas of business. Since then YOB has carried out a major review of its operation. It has concluded that :

1. customers believe YOB is charging too much for its services.
2. YOB no longer has the image of ownership which is close to its customers and understands their needs.
3. the bank needs to reduce costs to boost its profits and share price.

To cut costs and increase efficiency, YOB is now considering a number of options concerning the location of its call centres. YOB has approximately 2,500 employees working in three large call centres located in different cities of Pakistan. The bank’s headquarters are in Karachi. There are four options that the directors of the bank are considering.

OPTION ONE: KEEP THE CALL CENTRES IN-HOUSE

Keep the call centres in their present locations but try to reduce costs by:

- using more part-time employees
- reducing the hours of business of the centres
- increasing the targets for the number of calls handled per hour

Estimated cost of running the centres for the next five years Rs 8 billion. Estimated savings by introducing changes above Rs. 3 billion

OPTION TWO: OUTSOURCE THE CALL CENTRES TO A COMPANY BASED IN SOUTH AFRICA

Use Resource Plc, a Cape Town firm. They can set up the call centres in Cape Town and run them.

- the firm has an excellent reputation for reliability and good service
- it has a lot of experience in running centres

Cost of the contract with Resource Plc to run the call centres for the next five years: Rs. 8 billion

OPTION THREE: OUTSOURCE THE CALL CENTRES TO A COMPANY BASED IN DUBAI

Use Orion Plc, a UAE firm

- the firm is new; its managers are young
- it has several contracts with big companies
- it is experienced in running call centres
- some customers have complained in newspapers that the lines are always busy

Cost of the contract with Orion Plc to run the call centres for the next five years : Rs . 10 billion

OPTION FOUR : OUTSOURCE THE CALL CENTRES TO A COMPANY BASED IN SRI LANKA

Use X- source Sri Lanka, a company based in Colombo

- X-source Sri Lanka is expanding fast
- it has contracts with several large companies
- it has no problems hiring staff and its costs are low

Cost of the contract with X-source Sri Lanka to run the call centres for the next five years: Rs 5.5 billion

Question: Consider the advantages and disadvantages of each option. Then write a short report to the Chief Executive giving both a summary of the four options and your recommendations.