Tamal Bandyopadhyay
 "Tamal Bandyopadhyay")
Tamal Bandyopadhyay
Tamal Bandyopadhyay is an Indian business journalist, known for his weekly column on banking and finance ‘Banker’s Trust’ published in Business Standard. He is a senior advisor to Jana Small Finance Bank Ltd. He was an adviser at Bandhan Bank Ltd from August 2014 till October 2018. His latest book is Roller Coaster: An Affair with Banking. A student of English Literature (a postgraduate from the University of Calcutta), Bandyopadhyay began his career in journalism as a trainee journalist with The Times of India, in Mumbai in 1985.
Tamal Bandyopadhyay is an Indian business journalist, known for his weekly column on banking and finance ‘Banker’s Trust’ published in Business Standard. He is a senior advisor to Jana Small Finance Bank Ltd. He was an adviser at Bandhan Bank Ltd from August 2014 till October 2018. His latest book is Roller Coaster: An Affair with Banking. A student of English Literature (a postgraduate from the University of Calcutta), Bandyopadhyay began his career in journalism as a trainee journalist with The Times of India, in Mumbai in 1985.
Tamal Bandyopadhyay
December monetary policy a close call; all eyes on RBI's communication
With inflation at a record low of 0.25% and robust GDP growth, the RBI faces a close call between supporting the economy and a weakening rupee
 "December monetary policy a close call; all eyes on RBI's communication")
Banks' good run on, but there are challenges despite profit growth
As a group, the PSBs showed better growth both in advances and deposits compared with their private peers. Will they be able to keep the momentum going and grow their market share?
 "Banks' good run on, but there are challenges despite profit growth")
Can banking regulator consider a 'check' tool for online deposit safety?
The Reserve Bank of India has already put in place a detailed fraud risk management framework for all regulated entities
Who ate the banks' cake? Indian banking sees structural deposit shift
As deposit growth lags credit expansion, Indian banks face shrinking low-cost Casa inflows, rising funding costs, and structural shifts driven by UPI, e-Kuber, and digital savings trends
 "Who ate the banks' cake? Indian banking sees structural deposit shift")
A new wave of reforms set to sweep banking, boost capital and growth
At this juncture, allowing higher foreign stake in PSBs is the right call. It will help them increase capital and scale up business
 "A new wave of reforms set to sweep banking, boost capital and growth")
As insurance regulator, I have an open mind: Irdai Chairman Ajay Seth
IRDAI chief outlines priorities on GST reforms, capital efficiency, Bima Sugam rollout, and risk-based supervision, promising orderly growth and stronger policyholder protection
 "As insurance regulator, I have an open mind: Irdai Chairman Ajay Seth")
The changing turf for foreign banks amid selective opening, scrutiny
The move is towards opening up the sector, but selectively, with regulatory scrutiny and special approval
Can private bankers run PSBs? Govt needs patience to make it work
Yes, they can. But to make the experiment successful, the government must have patience
 "Can private bankers run PSBs? Govt needs patience to make it work")
Top jobs at PSBs: Pride and prejudice over opening doors to private talent
Opening top positions at public sector banks for private candidates is a welcome move. Delinking their salary from the IAS is the next logical step
 "Top jobs at PSBs: Pride and prejudice over opening doors to private talent")
Beyond a bank's balance sheet: Customer service takes centre stage
Rankings based on redressal of customer complaints are finally making banks and insurance companies realise the importance of customers service
 "Beyond a bank's balance sheet: Customer service takes centre stage")
Wave of liberalisation sweeps banking industry as RBI eases rules
But not too many will be surprised if RBI Governor Sanjay Malhotra plays the Santa Claus in December, bringing an early Christmas
 "Wave of liberalisation sweeps banking industry as RBI eases rules")
Rate cut could be a close call as RBI eyes lower CPI, steady growth view
RBI will pare CPI inflation projection again, but might not change growth estimate for now; dovish undertone likely
CCIL: Taking govt bond and foreign exchange markets to the masses
What NSE and BSE are to the equity market, CCIL is far more than that for the govt bond, foreign exchange and OTC derivative markets
 "CCIL: Taking govt bond and foreign exchange markets to the masses")
PSBs outperform private peers again, but sector challenges remain
The banking sector's good run continues, but there are challenges, both on asset and liabilities turf
Rebuilding trust: Banks no longer 'deaf' to unclaimed depositors' voice
Initiative should not only be seen as a financial project but a way to build citizens' trust in the banking system
 "Rebuilding trust: Banks no longer 'deaf' to unclaimed depositors' voice")
Monetary transmission of a different kind: Road map for borrowing success
Despite a 1 percentage point rate cut, bond yields have been rising, and the spread between government securities and SDL as well as corporate papers is widening
The first decade of PMJDY: A catalyst for financial inclusion in India
The number of accounts alone doesn't tell the real story: 66.75% are in rural and semi-urban India, and 55.70% belong to women
 "The first decade of PMJDY: A catalyst for financial inclusion in India")
The Karnataka Bank saga: A clash of egos and cultures in old private banks
Karnataka Bank was founded by a group of agriculturists, lawyers and businessmen, led by BR Vysaray Achar, to promote economic development in the South Canara region. It has no identified promoter
 "The Karnataka Bank saga: A clash of egos and cultures in old private banks")
MFI industry's new challenge: Funds needed to survive, banks must act
The sector is ready to make amends, but it needs money to remain in business. If banks don't loosen the purse strings, things will worsen
 "MFI industry's new challenge: Funds needed to survive, banks must act")
Status quo on policy: Is this the end of the Reserve Bank's easing cycle?
With the rise in inflation from the fourth quarter, possibility of another rate cut uncertain, unless growth plays spoilsport
 "Status quo on policy: Is this the end of the Reserve Bank's easing cycle?")
