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.
Page 13 - Tamal Bandyopadhyay
Why Reserve Bank has 'shocked' Srei
It seems that the RBI had very little choice as the promoters did not infuse fresh capital, make adequate provisioning and improve corporate governance
Privatisation is far more difficult than consolidation
For public sector banks, the government is the superboard, with both ownership and regulatory powers under its belt. Is it ready to give up these powers?
 "Privatisation is far more difficult than consolidation")
RBI prepares market for return to normalcy
RBI Governor's statement says, this process will be gradual, calibrated, and non-disruptive, while remaining supportive of the economic recovery
An existential crisis for banking sector?
The business model of banks is under threat. While they need to reinvent themselves, both banking and market regulators must take a close look at the evolving landscape
 "An existential crisis for banking sector?")
New vistas for Indian banks
As low credit offtake dents earning, Indian banks are exploring fresh avenues to lend. This is the only way to avoid mispricing of risks
 "New vistas for Indian banks")
The liquidity conundrum
Only credit growth can help banks to get out of this liquidity drag. That can happen when growth is secured (and not through loan melas). But if it takes longer, risk of higher inflation becomes real
 "The liquidity conundrum")
Good show by private banks, better by PSBs
Whether it is net profit, fee income or bad loans, public sector banks have put up a better show in the June quarter than their private peers
 "Good show by private banks, better by PSBs")
Everything you want to know about CBDC
The central bank digital currency will neither substitute nor compete with cryptocurrency; it's just a wallet. Period
 "Everything you want to know about CBDC")
The first soft signal of return to normalcy from Monetary Policy Committee?
The Reserve Bank of India (RBI) sounds relatively more confident on growth now and, at the same time, its concerns on inflation are clearly higher
Banker's Trust: Tamal Bandyopadhyay on the facts and fiction of Mudra loans
Do we need yet another refinance agency? No one will shed a tear if Mudra is given a decent burial
Banker's Trust: Has crony capitalism hijacked bad loan resolution?
If bankers move fast and preserve the enterprise value of defaulting companies, recovery rate will improve even as the new insolvency law, much like the GST, remains a work in progress
To ban or not to ban cryptocurrency
As lobbying and counter-lobbying intensify, right now, it looks like a T20 match. We need to wait till the last over is bowled
What's in store for PMC depositors
They will probably get their money back through staggered payments, and part of it can be converted into equity.
Good show by banks but can they sustain it?
Till March, banks could hold on but not all of them will be in a position to stomach the impact of the second wave of the pandemic
 "Good show by banks but can they sustain it?")
A monetary policy of continuity with change
This time, RBI's rate-setting body is not only talking about sustaining growth but also reviving it
 "A monetary policy of continuity with change")
A no-action policy with focus on growth
'Unwinding' is unlikely to happen before the third quarter of this year even if we don't mess up in tackling a possible third wave of Covid; rate hike may have to wait for next year
RBI's disclosure dilemma
While the RBI must respect the spirit of freedom of expression, we need to draw a Laxman rekha, and the RTI Act should not become a tool to bypass all confidentiality requirements under other laws
How to reconstruct asset reconstruction companies
Banks feel happy shifting their toxic assets from loan books to investment books, while the ARCs are enjoying the management fees with a smile. Let's break the cosy relationship
Why Citibank is selling its consumer business in India
It's a strategic decision by Citigroup's new CEO, not a reflection on its India operations. Regulators' displeasure and investors' ire are behind it
Second wave of coronavirus pandemic: What RBI can do to help
Unless the Reserve Bank comes forward and helps banks to handhold the MSME borrowers, bad loans will swell in the September quarter