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 5 - Tamal Bandyopadhyay
Microfinance growth driven more by lenders' loan disbursement than demand
Borrowers are being chased by different kinds of lenders -- universal banks, small finance banks, NBFCs, MFIs and fintechs
 "Microfinance growth driven more by lenders' loan disbursement than demand")
Banker's Trust: All you want to know about SROs in finance sector
The key to effective implementation of the SRO regime is avoiding overlap
 "Banker's Trust: All you want to know about SROs in finance sector")
From perestroika to glasnost: Efforts underway to make insurance inclusive
All efforts are on to make insurance inclusive and attract global investors. The second, and concluding, part of the column on 25 years of the insurance industry
 "From perestroika to glasnost: Efforts underway to make insurance inclusive")
25 years of the Indian insurance industry: Here are the hits and misses
De-tariffing and portability are two milestones ahead of the Insurance Act amendment that made health insurance an independent line of business and raised FDI limits to 49%. The first of 2 part column
 "25 years of the Indian insurance industry: Here are the hits and misses")
What's your credit score? Know how its behaviour affects financial health
Higher frequency of credit data reporting is a win-win for credit bureaus, borrowers and lenders
 "What's your credit score? Know how its behaviour affects financial health")
SBI's Dinesh Khara era ends, his successor CS Setty has new challenges
With Dinesh Khara's legacy of stock market's love for State Bank of India, his successor CS Setty faces the task of sustaining this momentum while war for deposits continues on the banking turf
 "SBI's Dinesh Khara era ends, his successor CS Setty has new challenges")
Banks caught in a trap
The cost of deposits is on the rise, but banks can't raise interest rate on close to 60% of their loan books
 "Banks caught in a trap")
Bank deposits: Barking up the wrong tree?
Despite efforts to boost deposit growth, credit growth is outpacing deposits. Traditional strategies are not working. Are we missing the big picture?
 "Bank deposits: Barking up the wrong tree?")
Monetary policy: No concern on growth, no comfort on inflation
The RBI estimate of growth, as well as, inflation for the current financial year remains unchanged, but there has been some fine-tuning
 "Monetary policy: No concern on growth, no comfort on inflation")
No rate cut, but dovish undertone likely
The stance can be changed, and if that doesn't happen, the hawkish underdone will not continue
 "No rate cut, but dovish undertone likely")
P2P industry: When will RBI walk the talk?
The regulator has issued show cause notices to a few P2P platforms for certain practices. Let's see how they defend themselves and how the regulator reacts
 "P2P industry: When will RBI walk the talk?")
Fiscal consolidation: Yes. Banking reforms: Wait
Next-generation reforms are at the bottom of the list of nine priorities of this Budget
 "Fiscal consolidation: Yes. Banking reforms: Wait")
Can we bank on the Budget?
With the structural change in the ruling National Democratic Alliance, will the government be able to move on the bank privatisation front in this Budget?
 "Can we bank on the Budget?")
Different faces of bank frauds
Customer education is the key to combating digital fraud, while improved credit appraisal, underwriting, and risk management can help contain loan fraud
 "Different faces of bank frauds")
Changing dynamics of Indian banking
One constant feature of banks' balance sheets over the years - in good times and bad - is the high bad loans in the agriculture sector. Can anything be done about it?
 "Changing dynamics of Indian banking")
A milestone on bond street
India's entry into a global bond index is a great sentiment-booster, but much of it has already been factored in
 "A milestone on bond street")
Tweak draft project loan financing norms
Instead of a blanket 12-fold jump in the provision requirement, the RBI can ask lenders to create project finance reserves on their balance sheets
 "Tweak draft project loan financing norms")
Is Nabfid the answer to India's infra woes?
Though earlier such attempts had failed, NaBFID should succeed as the ecosystem is changing. Infra projects are a new asset class that offers healthy returns
 "Is Nabfid the answer to India's infra woes?")
Politics, exit polls, market and retails investors
Are retail investors reading the market better than institutional investors? Are they getting smarter?
 "Politics, exit polls, market and retails investors")
RBI monetary policy review: Wait for rate cut, change in stance gets longer
The combination of strong growth and above-target inflation does not make a case for a rate cut and even a shift in the policy stance too soon
 "RBI monetary policy review: Wait for rate cut, change in stance gets longer")