Commercial Banking System & Role of RBI
June 2023 Examination

1. Banking has changed radically over a period of 50 years starting from nationalization
in 1969 of 14 private sector banks to privatization of banks in 1990s. Year 2014 resulted
in setting of small Payments Banks in different parts of the country to a diametrically
opposite step of mergers and consolidation of many weak public sector banks with a
few large PSU banks in 2018/19. What has been the economic and financial
compulsions/reasons for such changes in five decades? (10 Marks)
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2. Why banks are focusing more on shifting fund based lending to non-fund based
lending? Explain different types of fund based and non-fund based lending activities.
(10 Marks)

3. Commercial banks are known for providing array of services to customers, the
conventional one being on liability side are time and demand liability products.

a. Distinguish between time and demand liabilities and their characteristics (5
Marks)

b. What are reasons for large financial institutions like Industrial Development Bank of
India (IDBI) converting to commercial bank like IDBI Bank? Similarly, like Industrial
Credit and Investment Corporation of India (ICICI) converted itself as ICICI Bank. (5
Marks)