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Commercial Banking System & Role of RBI
September
2023 Examination
1.
Creation
of charge on securities deposited with the bank, for availing loan facility, is
one of the important tasks of Credit Department of Bank. Explain the different
modes of charge creation –
a) Lien marking
b) Hypothecation
c) Equitable mortgage
d) Pledge
Ans:
Introduction:
The credit score
department of a commercial, financial institution performs an essential role in
facilitating lending activities and coping with credit score risk. One of the
credit score department's essential tasks is growing charges on securities
deposited with the financial institution to secure loan facilities. Those fees
provide a legal framework for the bank to recover its dues in case of default
by the borrower. There are several modes of fee creation, every with its characteristics
and requirements.
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2.
Recovery
of stressed assets (NPA) is one of the major assignment of banks today, who are
reeling under pressure of mounting NPAs. Recovery not only unblocks the blocked
capital of bank but it also has a direct bearing on the Profit & Loss
Account report of the bank. What are the different modes of recovery explain at
least five and give your rationale for choosing these five methods
Ans:
Introduction:
Industrial
banks play a vital role in the monetary gadget by mobilizing funds from the
public and channeling them towards influential sectors of the financial system.
But the banking quarter is presently suffering from mounting Non-performing
belongings (NPAs) or burdened property. NPAs are loans or advances that have
stopped producing earnings for banks because of default in reimbursement by
using borrowers. Restoring stressed assets is a critical mission for banks
because it unblocks capital and directly influences the financial institution's
earnings and Loss Account file. This essay will discover the unique
recuperation modes and examine five methods
3. Most
of the banks are opting for non-fund based lending than traditional fund based
lending. Fee based income and advisory services are now a major source of
income for the banks than conventional interest earning from assets financed by
banks.
a.
From
above statement explain different types of non-fund based lending activity of
the bank, explain any three.
Ans:
Introduction:
The
banking industry performs a vital function in the financial improvement of a
country using providing numerous financial services to people, companies, and
authorities entities. In recent years, there has been a significant shift in
the approach of banks toward non-fund-based lending activities compared to
traditional fund-based total lending. Non-fund-based lending refers to
b.
What
are fee based and advisory activities of banks, explain any three
Ans:
Introduction:
Commercial
banking plays a vital economic position by providing numerous financial
services to individuals, businesses, and governments. The banking landscape has
evolved even as the traditional shape of banking involved fund-based lending,
wherein banks would lend money and earn interest on the loans. In recent years,
many banks have shifted their focus towards non-fund
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