 "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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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
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
Why lending to MSMEs makes business sense
A large section of MSMEs is creditworthy and micro retail borrowers' cash flow allows them to repay bank loans fast
 "Why lending to MSMEs makes business sense")
Can rate cut force banks to lend?
Credit guarantee by the government for banks' fresh loans to certain segments might do the trick at a small fiscal cost
Come September, bad loans will zoom
The only way to save the financial system and the economy is the Reserve Bank relaxing banks' asset classification norms
 "Come September, bad loans will zoom")
A bit late, but the Reserve Bank has managed to surprise the market
No one expected a CRR cut at this time; 75 basis points cut in the policy rate at one shot has also been more than what most had expected
 "A bit late, but the Reserve Bank has managed to surprise the market")
Dear governor, why save the bullet? Use it now
Beyond perking up the economy, the RBI needs to ensure proper functioning of the bond market, the credit market and the larger financial system
 "Dear governor, why save the bullet? Use it now")
Have our bankers forgotten to lend?
No and yes. The rules of the game have been changed forever...
 "Have our bankers forgotten to lend?")
After Aditya Puri, who?
Puri retires in October this year
 "After Aditya Puri, who?")
Are Indian banks out of the woods? Yes, no and the answers in between
Recovery of bad loans and fresh slippages or new NPAs will determine the road ahead for the banking industry
 "Are Indian banks out of the woods? Yes, no and the answers in between")
What next, Reliance Home Finance?
This is no default caused by liquidity tightness. It could have been avoided had the loans to group companies not been given. Period.
 "What next, Reliance Home Finance?")
Five banking trends for the new year
This could be a year of higher NPAs, more recovery, relatively stronger bank balance sheets, low credit growth and better-managed cooperative banks
 "Five banking trends for the new year")
Indian banking: Challenges in the new decade
Shall we see the closure of the bad loan saga in the new decade? There is no Lehman or East Asian crisis to blame; it's our own doing
 "Indian banking: Challenges in the new decade")
Of Vedanta & de-risking global finance
Mr Mishra says Vedanta philosophy should be applicable to financial innovations
 "Of Vedanta & de-risking global finance")
Can LIC and Rakesh Sharma save IDBI Bank?
IDBI Bank will post net loss in September and probably in the December quarter too but it can come out of the woods
 "Can LIC and Rakesh Sharma save IDBI Bank?")
How much, Mr Das: Rate cut of 40 or 25 bps?
Not inflation but the slowing growth in Asia's third largest economy, which wants to get into the $5 trillion club by 2025, is the primary concern of the RBI
 "How much, Mr Das: Rate cut of 40 or 25 bps?")
Cricket, culture and PSU bank merger
The market may take time to digest the BoB-Vijaya-Dena merger but it could be a template for the next four mergers to create "NextGen" mega banks
 "Cricket, culture and PSU bank merger")
Why do lenders rush where angels fear to tread
Only a forensic audit can answer the questions that lenders to Bhartiya Micro Credit have, but don't dare to ask
 "Why do lenders rush where angels fear to tread")
Bravo FM, but it's only half the job done
The government can have its cake and eat it too if it allows mega banks to run independently and turn others into vehicles for social banking
 "Bravo FM, but it's only half the job done")
Jalan panel didn't get RBI funds pouring for govt; just led to a drizzle
Even that's enough for the parched earth of government finance
 "Jalan panel didn't get RBI funds pouring for govt; just led to a drizzle")