Course: Commercial Banking System & Role of RBI
December 2021 Examination

 

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)

2. 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)

3. Non-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)

 

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