NMIMS
Global Access
School for Continuing Education (NGA-SCE)
Course: Commercial Banking System & Role of RBI
Internal Assignment Applicable for April 2022 Examination
1. One
of the important mandate of RBI is prudent management of monetary policy,
curbing inflation and checking unemployment in economy. Explain how RBI
achieves
these diverse parameters by use of different tools available with it. (10
Marks)
2.
Credit appraisal is a critical analytical tool of bank. Largely the
profitability of bank
hinges on this tool. Any weakness on this front is reflected on the
profitability of banks
and it also results in accumulation of stressed assets. BASEL-II has given
strong
recommendations to check this menace. Elaborate in details the important
recommendations of this committee. (10 Marks)
3. Risk
mitigation is one of the main function/concern of bank in volatile economy. In
course of business banks face different types of risks which may vary from one
bank to
another.
a.
Which are the major risks banks are exposed to and how they mitigate it? (5
Marks)
b.
Suppose the regulator asks one of the losses making Bank XYZ to close a few
branches
to reduce cost thereby make the bank more sustainable/profitable. But XYZ Bank
refuses to close its few branches, citing some risk/s involved in the process.
What are
the risks XYZ Bank perceives if it closes a few branches? (5 Marks)
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