 "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.
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Micro loans: Assam is not Andhra Pradesh
The Assam Bill is not a repeat of the 2010 Andhra Pradesh law, which almost killed the microfinance industry. Assam's share in micro lending is a fraction of what AP's was back then
 "Micro loans: Assam is not Andhra Pradesh")
Thoughts on banking in the new decade
Those banks that remain complacent, bragging about their captive customer base, may turn dinosaurs
 "Thoughts on banking in the new decade")
Is Yes Bank out of the woods?
The bad loans can grow as much as by 15 per cent from the current level because of the pandemic, but there seems to be no skeleton left in its cupboard
 "Is Yes Bank out of the woods?")
Which bank next on the RBI radar?
If shareholders can throw the chairman and MD out, where is the sanctity of the RBI approval for such appointments?
 "Which bank next on the RBI radar?")
A no-action monetary policy buys time for growth
The job of breaking the back of inflation is left to the government's proactive supply management strategies, for now
Three messages from the Lakshmi Vilas Bank deal
It sends a strong signal to promoters and influential investors in the not-so-well-run banks to behave or lose their shirt
 "Three messages from the Lakshmi Vilas Bank deal")
Stimulus 3.0: Credit guarantee scheme recast a smart move
Critics may say it's postponing the inevitable, but considering the pros and cons, this is par for the course and the best part of Atmanirbhar Bharat 3.0 package
 "Stimulus 3.0: Credit guarantee scheme recast a smart move")
A fresh lease of life for real estate?
The Reserve Bank has taken all the right steps to attract home buyers and encourage housing finance companies. A couple of other things can complete the suite
 "A fresh lease of life for real estate?")
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
 "Book excerpt: How RBI under Raghuram Rajan started the war against NPAs")
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
 "Is it curtains for the interest-waiver issue?")
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?
 "LVB: Past imperfect, present tense, future...?")
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
 "Three cheers for RBI's October policy")
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
 "The task before the new SBI boss")
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?
 "For RBI, bank compliance officers are no Cleopatra")
Turning banking on its head
The focus in banking has always been on protecting the depositors. Should the rules be rewritten, giving borrowers precedence?
 "Turning banking on its head")
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
 "Life after moratorium, for banks and borrowers")
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
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
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
 "A non-monetary policy, par for the course")
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