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Commercial
Banking System and Role of RBI
December 2021 Examination
Question No 1. Indian Banking has witnessed major changes starting from nationalization in 1969 of 14 private sector banks again to privatization of banks in 1990s. Year 2014 resulted in setting
of small Payment Banks
in different
nooks &
corners
of the
country to
a
diametrically opposite step of mergers
and consolidation
of many weak public sector
banks with a few large banks in 2018/19.
What has been the economic & financial compulsions/reasons for such changes in five decades? (10 Marks)
Ans 1.
Introduction
When banks are owned
privately, their significant authorities have less control and are less
concerned with the normal operations of those banks. It is conceivable that the
federal government may delegate to nonpublic company investors its controlling
request within the PSB.
In order to increase and enhance
competition, public spending, infrastructure spending, and enhancing excellent
and
Q2. Independence of RBI
has been a
major
subject of debate in India of late.
A few Governors resigned on
this issue, as there was too much interference from the government in deciding the policies of RBI. Do you agree/disagree on the question of
RBI
deciding its own course of
action while formulating macroeconomic policy of
country or should it listen to its political masters? (10 Marks)
Ans 2.
Introduction
In
comparison to all of the other central primary banks around the world, the
Reserve Bank of India has outperformed them all. This party controlled the
supply of economic products, the stability of economic markets, the rate of economic
growth, and the consequent economic equilibrium. Through all financial crises
and crises,, both local and global, the chairman and his staff were able to
effectively serve the interests of the country.
Question No 3. on-Performing Assets
(NPAs) in the Indian Banking sector has become the subject of much discussion
and scrutiny. Bank’s lending capacity has been severely eroded by mounting
NPAs, net worth of many banks have declined and a number of banks have reported
huge losses. In recent year’s plethora of rules and regulations have come from
RBI, Government, IMF, BASEL recommendations, etc to keep a tab on stressed
assets and timely resolution.
In light of above
statements:
a. Write the major reasons
for increase on NPAs since last 10 years
(5 Marks)
b. According to you what
would be the mitigating factors/solutions for NPA management. (5 Marks)
Ans 3.
Introduction
The nonperforming asset
category consists of debts that have either defaulted or are behind on the
precepts or interest charges scheduled by a banking organization. Bank assets
that do not feature, that is, do not generate profits, are known as
nonperforming assets (NPAs) or risky debt.
Ans 3B.
Ways to Reduce NPAs
It
is past time for financial institutions to take reasonable-sized measures to
rein inside the inexorable increase inside the wide variety of non-appearing
assets (NPAs). Until stringent standards to decrease non-acting property (NPA)
are put in the area, they might hold to build up
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Solved assignments by professionals.
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