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  • 31-Oct-2020 | Tamal Bandyopadhyay

    Book excerpt: How RBI under Raghuram Rajan started the war against NPAs

    The RBI found that the banks were delaying recognising large accounts as NPAs, even if projects were not starting up, and the 'project commencement' milestone was largely cosmetic

  • 25-Oct-2020 | Tamal Bandyopadhyay

    Is it curtains for the interest-waiver issue?

    Interest is not being waived and the benefit is extended to all - including those who have not availed of the loan moratorium. So, it will not vitiate the credit culture

  • 18-Oct-2020 | Tamal Bandyopadhyay

    How RBI can strengthen regulation and supervision

    The upgrade of the offsite surveillance system is welcome, but it should not have coincided with the dilution of the rigour of onsite examination

  • 11-Oct-2020 | Tamal Bandyopadhyay

    LVB: Past imperfect, present tense, future...?

    What happened at the September 25 AGM is not just another instance of shareholder activism. With the mass ouster of not-so-independent directors, will things change?

  • 09-Oct-2020 | Tamal Bandyopadhyay

    Three cheers for RBI's October policy

    The latest policy has taken a series of steps to ensure that the government is able to borrow from the market without paying too much and the banks continue to buy bonds

  • 04-Oct-2020 | Tamal Bandyopadhyay

    The task before the new SBI boss

    The State Bank of India can be taken to the next level by transforming it into a marketplace to meet the financial needs of its corporate clients across the value chain

  • 27-Sep-2020 | Tamal Bandyopadhyay

    No rate cut, all eyes on RBI's GDP projection

    Lower inflation next year may open the space for rate cut, but for now the challenge is seeing through the government borrowing and keeping the bond yield low

  • 20-Sep-2020 | Tamal Bandyopadhyay

    For RBI, bank compliance officers are no Cleopatra

    Is the appointment age of the chief compliance officer in a bank capped anywhere in the world?

  • 13-Sep-2020 | Tamal Bandyopadhyay

    Turning banking on its head

    The focus in banking has always been on protecting the depositors. Should the rules be rewritten, giving borrowers precedence?

  • 06-Sep-2020 | Tamal Bandyopadhyay

    Life after moratorium, for banks and borrowers

    There are enough filters in the Covid-19 loan restructuring scheme to prevent misuse, but is it a tool to delay the growth in banks' bad loans? We will know after two years

  • 30-Aug-2020 | Tamal Bandyopadhyay

    Credit growth: Barking up the wrong tree?

    It is unfair to expect risk capital from banks to prop up the economy. They deal with public money

  • 23-Aug-2020 | Tamal Bandyopadhyay

    Can the Reserve Bank talk the bond yield down?

    Why are the bond yields hardening when there is ample liquidity in the system and RBI is willing to do anything to ensure a non-disruptive market borrowing by the government?

  • 16-Aug-2020 | Tamal Bandyopadhyay

    Five wise men and the new window for loan recast

    To make the loan restructuring scheme a success, the norms should be dynamic. They must be reviewed every quarter, keeping in mind how the economic scenario evolves

  • 09-Aug-2020 | Tamal Bandyopadhyay

    Wanted: An MPC with more power and 'flexibility'

    The members can come from diverse backgrounds such as finance, labour and economics, and must have a say in the entire interest-rate architecture

  • 07-Aug-2020 | Tamal Bandyopadhyay

    A non-monetary policy, par for the course

    Rate cut off the table for now; focus is on other measures to ease stress in system

  • 05-Aug-2020 | Tamal Bandyopadhyay

    After the moratorium: Banks have to face their bad loan problem, again

    Indian banks will have a hard task when RBI's moratorium ends this month. Those that do not get capital will have to show their true health, writes Tamal Bandyopadhyay

  • 02-Aug-2020 | Tamal Bandyopadhyay

    Rate cut unlikely but a dovish policy on the cards

    For RBI Governor Shaktikanta Das, this is probably the toughest monetary policy. The message it sends out is more important than the action

  • 30-Jul-2020 | Tamal Bandyopadhyay

    RBI is ahead of the curve; govt and bureaucracy behind: Viral Acharya

    In an interview with Tamal Bandyopadhyay, Acharya says why some weak public sector banks should be "re-privatised" and foreign banks should be allowed a larger play

  • 26-Jul-2020 | Tamal Bandyopadhyay

    What ails Indian banking, according to Viral Acharya

    Some of India's top-rated firms do not always make payments on time and many state-owned, listed entities that borrow in bond markets default regularly

  • 19-Jul-2020 | Tamal Bandyopadhyay

    Why bankers are afraid of becoming CEOs

    The proposed governance norms for banks seem to be pushing for a role reversal - make the non-executive directors run the bank and take away the executive powers of the CEO

  • 12-Jul-2020 | Tamal Bandyopadhyay

    Loss-making banks back to black but little to cheer

    Pain and uncertainty will be a way of life for many banks in 2021. For a few, the light at the end of the tunnel has turned into a flicker

  • 05-Jul-2020 | Tamal Bandyopadhyay

    Have home loan rates reached rock bottom?

    At sub-7 per cent, the rates are at their historic low. In 2003 and 2004, it was 7.25 per cent; and in 2011, as high as 11.75 per cent

  • 28-Jun-2020 | Tamal Bandyopadhyay

    How to make marketplace lending safe

    RBI needs to handle fintechs with care, so that innovation, necessary for inclusion and cost-effective, fast transactions, is not stymied

  • 21-Jun-2020 | Tamal Bandyopadhyay

    Mortgage norms: Tightened or relaxed?

    From 50 per cent, a home finance firm's exposure to retail loans will go down to 37.5 per cent. Instead of a floor for retail loans, should the RBI look for a ceiling for wholesale loans?

  • 14-Jun-2020 | Tamal Bandyopadhyay

    After MSMEs, let's focus on large stressed sectors

    The Rs 3-trillion booster dose may help bring MSMEs back on the rails but to whom will they supply goods? It's time to take a look at companies with enough assets but strained cash flows