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Commercial Banking System & Role of RBI

1. Creation of charge on securities deposited with the bank, for availing loan facility, is one of the important task of Credit Department of Bank. Explain the different modes of charge creation - a) lien marking b) hypothecation c) equitable mortgage d) pledge (10 Marks)

2. Recovery of stressed assets (NPA) is one of the major assignments 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 (10 Marks)

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. (5 Marks)

b. What are fee based and advisory activities of banks, explain any three (5 Marks)

Sep 2023 Plagiarized Assignments Contact
[email protected]
+91 9902787224