Dear students, get fully solved assignments by
professionals
Do send your query at :
or call us at :08263069601
Commercial Banking System & Role of RBI
December 2022 Examination
Q1.
There
is an ongoing debate whether Central Bank (RBI) should be independent of the
Central Government dictates/control or it should be under the control of
Central Government. What is your view on the same; supplement your answer with reasoning/logic
with instances in the past in context of India.
(10 Marks)
Ans 1.
Introduction:
RBI
(Reserve Bank of India) is India's largest bank, regulating the entire banking
system. It has the authority to make decisions on issues connected to the
banking system in India. It was established under RBI Act, 1934. When we speak
about the independence of any institution or regulative body, Montesquieu's
ideas of Separation of Power turn up in our minds. Separation of power ensures
efficient performance of the essential body organs of the government as no
individual organization
Q2.
The
survival of brick and mortar banking today is a major challenge today from host
of its competitors that includes NBFCs, Fintech, Shadow banking and latest Neo
Banking. Technology which at one time was savior of banks in early 1990s now
seems to gobble up the banks. What do you think is the future of traditional
banks and will they survive the onslaught of Neo Banks. Focus your answer in
perspective of Indian conditions. (10
Marks)
Ans
2.
Introduction:
When
we gained independence in the year 1947, the Indian Economy was a socialist
kind of Economy. Pt. Jawahar Lal Nehru assumed that India had already and just
recently dealt with the era of colonialism for over 200 years. The Britishers,
nonetheless, get this chance to conquer us from the profession. Trading was of
the significant elements when it concerned reasons leading to Indian
Colonization. Nehru thought India should initially create its economy and let
the other investors trade
Q3.
Stressed
Assets or Non-Performing Assets (NPAs) in the cancer of Banking sector and the
subject of much discussion and scrutiny. Today banks are burdened with high
NPAs and decreasing profitability. The banks capacity to lend has been severely
affected by mounting NPAs, net worth of many banks have eroded and a number of
banks have reported huge losses. Though many remedial steps have been taken to
check this malady but solution seems to ebb out/fade away. In light of above
statements:
a.
Explain
the reasons for increasing NPAs since last decade (5 Marks)
Ans
3a.
Introduction:
Non-performing assets, widely known as NPAs, are several
assets (advances or loans) in default or arrear. When we discuss any type of
loan as a non-performing asset, we usually describe those loans where the buyer
does not pay off the loan, and the lenders think about the loan agreement being
damaged. Boosting Non-Carrying Out Assets is a significant concern for any
banking sector. Enhancing
b.
How
to manage or mitigate NPAs effectively
(5 Marks)
Ans 3b.
Introduction:
Non-performing assets, popularly called NPAs, are some of the
assets (breakthroughs or loans) in default or arrear. Popularly when we talk
about any loan being a non-performing asset, we usually refer to those loans
where the buyer does not settle the loan, and the lenders think that the loan
agreement is damaged. Boosting Non-Doing Assets is a severe problem for any
banking sector. Boosting NPA reflects the lack of ability of the customer to
pay back the lender's cash and thus compromises the
Dear students, get fully solved assignments by
professionals
Do send your query at :
or call us at :08263069601
No comments:
Post a Comment
Note: Only a member of this blog may post a comment.