A bank has two branches. Branch A (Physical Office): Average 10 ethical violations per year, Operating Cost 50,00,000 Rupees. Branch B (Digital/Remote Office): Average 4 ethical violations per year, Operating Cost 30,00,000 Rupees. If management decides that each 'Ethical Violation' carries an 'Intangible Cost' of 2,00,000 Rupees, calculate the 'Total Ethical and Operational Cost' for both branches and determine which one is more cost-effective from an ethical standpoint.

Mr. Sharma received an invoice for ₹5,000 dated 05 November 2021 with credit terms [2/10, E.O.M.]. He paid the whole amount on 10 December 2021. How much did Mr. Sharma effectively pay for the bill?

A bank's bill discounting portfolio consists of three bills: - Bill A: ₹10,00,000, 12% discount rate, matures in 30 days. - Bill B: ₹20,00,000, 15% discount rate, matures in 60 days. - Bill C: ₹15,00,000, 10% discount rate, matures in 90 days. Calculate the total discount income earned by the bank if all bills are held to maturity. (Use 365 days in a year).