 "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 16 - Tamal Bandyopadhyay
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
 "Credit growth: Barking up the wrong tree?")
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
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")