Commercial Banking System & Role of RBI.docx

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The document discusses the role of the Reserve Bank of India (RBI) and issues facing the Indian banking sector, including the debate over RBI's independence and the survival of traditional banks amid competition from various financial institutions. It emphasizes the challenges posed by non-performing assets (NPAs) to banks' profitability and lending capacity, while suggesting that recent historical context and economic conditions should be considered in these discussions. Additionally, it encourages students to submit queries for professional assignment help.

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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 :
help.mbaassignments@gmail.com
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The document provides instructions and guidelines for NMIMS students on how to complete their assignments for a course on the commercial banking system and the role of the RBI. It emphasizes the necessity of originality in the assignments, outlining marking parameters and providing specific questions related to changes in the Indian banking sector, the independence of the RBI, and the issue of non-performing assets. Students are encouraged to seek professional help if needed, while adhering strictly to the assignment requirements.

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Commercial Banking System & Role of RBI.docx

1. Dear students, get fully solved assignments by professionals Do send your query at : help.mbaassignments@gmail.com 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

2. 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

3. 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 : help.mbaassignments@gmail.com or call us at :08263069601

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