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     EduGorilla 
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    Gradually, but discernibly, market focus is shifting to customer specific and niche products. Many banks keep the plain vanilla banking as a small necessary segment. In October 2007, Reserve Bank had prepared a discussion Paper on Differentiated Bank Licensing (RBI, 2007), wherein it was stated that the case for differentiated licensing may be reviewed after a certain degree of success in financial inclusion is achieved and Reserve Bank is more satisfied with the quality and robustness of the risk management systems of the entire banking sector.
    Which statements can point in favour of Differentiated Bank Licensing in India:
    1) Banks will move from the situation where all banks provide all the services to a situation where banks find their specific realm and mainly provide services in their chosen area
    2) As the economy grows and becomes more integrated with the global economy, need would be felt for sophisticated financial services and products
    3) Priority sector lending might not be applicable to specialised institutions and niche banks
    4) Niche-banking models depend on inter-bank liquidity, and whole sale funding
    5) Risk management systems and structure for regulatory compliance could be customised according to the banking type

    Options :-

    1. 1, 2, and 5
    2. 1, 3, and 4
    3. 2, 4, and 5
    4. 1, 2, and 3
    5. All of the above
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