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 7 - Tamal Bandyopadhyay
Interim Budget: Gross market borrowing music to ears of bond market
In the current year, the gross market borrowings are estimated at Rs 15.4 trillion, and the net borrowing at Rs 11.8 trillion - the highest-ever government borrowing programme
 "Interim Budget: Gross market borrowing music to ears of bond market")
Banking on the Budget
With India's inclusion in global bond index, big fat annual market borrowing programme may not be a headache for government anymore. Let's hope that encourages it to get back on path of banking reform
 "Banking on the Budget")
Small, big and systemically important banks
The systemically important bank classification is no comment on how secure depositors' money is in other banks. Sit back, relax and enjoy the higher rates for now
 "Small, big and systemically important banks")
P2P lending: Barking up the wrong tree?
Around 15 P2P platforms went live, but one-third of them have shut up shop. Analysts say four of them have more than 90 per cent of the market share
 "P2P lending: Barking up the wrong tree?")
The pros and cons of digital loan apps
Are the borrowers getting into a debt trap, without understanding the risks? Digital lending is still a grey area
 "The pros and cons of digital loan apps")
Central theme of '24: Fight with inflation for growth
A rate cut will happen this year. When? It will depend on the growth-inflation dynamics as well as the US Fed action
 "Central theme of '24: Fight with inflation for growth")
'Balance batao', 'digital didi': Fintech transforming financial inclusion
From the government's coffers, Rs 5,000 for opening an account for a child born into a poor family will be yet another milestone for financial inclusion, after PMJDY
 "'Balance batao', 'digital didi': Fintech transforming financial inclusion")
The good and not so good of Indian banking story
The drop in provisions is a healthy sign - 21 of 32 listed banks have less than 1% net NPAs. But their CASA and NIM are under pressure
 "The good and not so good of Indian banking story")
Central bank and cricket
While the economy seems to be on a firm growth path, the fight against inflation is not over yet. It has not even entered the last round
 "Central bank and cricket")
Expect no change in policy rate and stance
The RBI will not take its eyes off inflation. There is no room for complacency
 "Expect no change in policy rate and stance")
Going long on the bond street
For financial intermediaries globally, interest rate risk seems to be higher than credit risks, of loans turning non-performing assets, at this point. Fortunately, India is a different story
 "Going long on the bond street")
The rise and rise of personal loans
Higher risk weight will increase the cost of capital for such loans for lenders and discourage them to go overboard
 "The rise and rise of personal loans")
Gandhigiri in recovery of bad loans
Every defaulter is not a wilful defaulter who has the capability of paying back and is yet not servicing the bank loan
Let bankers play like Rahul Dravid
RBI Governor Shaktikanta Das's message to the financial sector
 "Let bankers play like Rahul Dravid")
Attrition high in private banks, they need to build core team: RBI's Das
Indian banking system and NBFC sectors at the moment are healthy and robust, said Das
 "Attrition high in private banks, they need to build core team: RBI's Das")
Casa, a four-letter word that bankers love
Casa is also changing its profile as it is no longer low-cost money but it balances the asset-liability gaps and lowers banks' capital requirement
 "Casa, a four-letter word that bankers love")
Many faces of OMO
The OMO sale is quite an innovative way to address the concerns around currency
 "Many faces of OMO")
The new pitch for bond dealers to bat on
Treasury managers are padding up for the new norms for the classification, valuation and operation of investments
 "The new pitch for bond dealers to bat on")
Why there are so few women in banking
The most significant boost to achieving gender parity could come from a commitment from companies to provide flexible working
 "Why there are so few women in banking")
Monetary Policy review: Familiar script with a surprise
The rate cut cycle may not begin before the second half of FY25
 "Monetary Policy review: Familiar script with a surprise")