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 14 - Tamal Bandyopadhyay
A hale and hearty banking sector but...
More than banks, most of which have the balance sheet strength to stomach bad loans, it is the borrowers who will suffer once they are branded as defaulters since no lender will give them fresh money
Status quo policy likely with focus on growth
An OMO calendar will make bond dealers happy but a disinvestment or privatisation calendar by the government will be a more potent weapon to manage yield and push growth
 "Status quo policy likely with focus on growth")
Will gold loan lose its sheen?
In August 2020, when RBI raised the LTV for gold loans to 90 per cent, effective till March 2021, gold price was at a record high. It's time to pare the LTV for de-risking the lenders
How RBI should 'manage' the yield curve
None can question the central bank's policy of leaning against the rising yield but the problem is with the way it is being done
 "How RBI should 'manage' the yield curve")
BS CEO Round Table: Six bank chiefs discuss paradigm shift in banking space
Leading names of India's banking industry join Tamal Bandyopadhyay at Business Standard's Unlock BFSI 2.0 to discuss the issues plaguing the sector
 "BS CEO Round Table: Six bank chiefs discuss paradigm shift in banking space")
Too many questions on bad bank and infra DFI
Why do we need a bad bank, owned by the banks themselves, when there are at least 28 ARCs around?
Two, not three, cheers are enough for FM Sitharaman's Budget 2021
After 51 years of bank nationalisation, the government has finally admitted that it should not be in the business of running all public sector banks
Thoughts on Budget and monetary policy
Beyond hype, if the Budget creates a platform for growth, the RBI will have to change the policy's stance, but that won't happen - now or even in April
 "Thoughts on Budget and monetary policy")
Can we bank on the Budget?
The onus of reigniting India's growth engine is on the banking system. Will the Budget fuel it
 "Can we bank on the Budget?")
Banking: Yesterday, today and tomorrow
With the customer spoilt for choice, the option for the banking industry in the new decade is between going digital or dying
 "Banking: Yesterday, today and tomorrow")
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?")