 "Tamal Bandyopadhyay")
Tamal Bandyopadhyay
Tamal Bandyopadhyay
Tamal Bandyopadhyay is a noted business journalist, known for his weekly column on banking and finance called 'Banker's Trust', published in Business Standard. He is a senior advisor to Jana Small Finance Bank Ltd. He was earlier an advisor to Bandhan Bank Ltd from August 2014 to October 2018. His latest book is 'Roller Coaster: An Affair with Banking'. A student of English Literature with a Master's degree from the University of Calcutta, Bandyopadhyay began his career in journalism as a trainee with The Times of India in Mumbai in 1985, and has worked with several publications since. He was also part of the founding team of the Mint newspaper.
Tamal Bandyopadhyay is a noted business journalist, known for his weekly column on banking and finance called 'Banker's Trust', published in Business Standard. He is a senior advisor to Jana Small Finance Bank Ltd. He was earlier an advisor to Bandhan Bank Ltd from August 2014 to October 2018. His latest book is 'Roller Coaster: An Affair with Banking'. A student of English Literature with a Master's degree from the University of Calcutta, Bandyopadhyay began his career in journalism as a trainee with The Times of India in Mumbai in 1985, and has worked with several publications since. He was also part of the founding team of the Mint newspaper.
Tamal Bandyopadhyay
A quiet revolution is lifting the poor
Much has been said about over-lending and defaults. Here's how lending works for the bottom-of-the-pyramid
 "A quiet revolution is lifting the poor")
No listed bank has even 1% net NPA: A milestone for asset quality
This is a rare phenomenon in the Indian banking industry. What's more, nine banks have half a per cent or more net NPAs
 "No listed bank has even 1% net NPA: A milestone for asset quality")
Wow! No listed bank has even 1% net NPA
This is a rare phenomenon in the Indian banking industry. What's more, nine banks have half a per cent or more net NPAs
UCBs: Past imperfect, present evolving as RBI revives on-tap licensing
The decision to reintroduce on-tap licensing for urban cooperative banks signals the regulator's growing confidence that governance reforms have created sufficient safeguards
 "UCBs: Past imperfect, present evolving as RBI revives on-tap licensing")
Trusted, trained and sometimes a threat: The risk within India's banks
Behind the forensics and policy responses lies a question that India's banking industry is asking itself today: How to deal with insider bank frauds
 "Trusted, trained and sometimes a threat: The risk within India's banks")
Status quo policy: Rate hike may still not be on the cards this year
RBI keeps the repo rate unchanged at 5.25%, raises FY27 growth forecast, trims inflation outlook and leaves the door open on future rate hikes amid global uncertainty
 "Status quo policy: Rate hike may still not be on the cards this year")
Wait-and-watch mode: Why the RBI MPC is likely to hold interest rates
The rate-setting body is likely to remain in wait-and-watch mode as uncertainties continue to cloud the macroeconomic outlook
 "Wait-and-watch mode: Why the RBI MPC is likely to hold interest rates")
The invisible heist: How bank staff exploit depositors' trust for fraud
The most alarming dimension of frauds perpetrated by insiders is their organised, multi-institutional character
 "The invisible heist: How bank staff exploit depositors' trust for fraud")
A midnight arrest and the anatomy of a bank fraud by a trusted insider
An insider with a password is the new fraudster. Usually, in their mid-30s, well versed with banking operations, computer-savvy, and well behaved. They appear to be workaholics
 "A midnight arrest and the anatomy of a bank fraud by a trusted insider")
Talent crunch: Why are there so few takers for top jobs in banks?
There are two key issues behind this phenomenon. The RBI and the government can solve this in a jiffy
 "Talent crunch: Why are there so few takers for top jobs in banks?")
Much ado about Tata Sons listing? What RBI amendment really means
RBI's June 24 second amendment of registration, exemptions and framework for scale-based regulation relates to the criteria of upper layer NBFCs. It doesn't seem to have anything to do with Tata Sons
 "Much ado about Tata Sons listing? What RBI amendment really means")
Dollar and the diaspora: Old courtship, new script in forex strategy
NRI money can steady a wobble but it's not a substitute for durable capital inflows. We need structural changes in the bond and equity markets
 "Dollar and the diaspora: Old courtship, new script in forex strategy")
A quiet exodus: Why young bankers are walking out of public sector banks
Young officers are quietly leaving public sector banks as career bottlenecks, transfers and shrinking growth opportunities erode the appeal of banking careers
 "A quiet exodus: Why young bankers are walking out of public sector banks")
A new era of 'free' deposit rates begins with RBI's LCR-based window
The Reserve Bank of India recently opened a window allowing banks differential interest rates on deposits, based on their LCR runoffs
 "A new era of 'free' deposit rates begins with RBI's LCR-based window")
Banks are in the pink of health, for now, but face twin challenges ahead
Twin challenges before banks are mobilisation of funds to support credit growth and fixing the cracks in certain segments of credit
 "Banks are in the pink of health, for now, but face twin challenges ahead")
Monetary policy: Reserve Bank of India opens window for dollar inflow
RBI has unveiled a five-pronged plan to attract foreign capital, boost dollar inflows, ease banking liquidity pressures and support the rupee
 "Monetary policy: Reserve Bank of India opens window for dollar inflow")
RBI MPC meet: Amid inflation, growth concerns, rate hike can wait for now
Inflation will rise in the second half of the year. Growth, too, will falter. It's time to explore other options
 "RBI MPC meet: Amid inflation, growth concerns, rate hike can wait for now")
More women seeking biz loans but two-thirds remain outside formal system
More Indian women are seeking business and retail loans, but nearly two-thirds still remain outside the formal credit system
 "More women seeking biz loans but two-thirds remain outside formal system")
Missing the woods for the trees? Why bank boards need a governance reset
For years, many bank boards drifted into operational minutiae-approving individual loans, vetting vendors, weighing in on promotions of executives - instead of setting up policies
 "Missing the woods for the trees? Why bank boards need a governance reset")
Performance, public-sector banks and George Bernard Shaw conundrum
The challenges before the performance-linked incentive structure of senior PSB executives
 "Performance, public-sector banks and George Bernard Shaw conundrum")