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 8 - Tamal Bandyopadhyay
Good run for banks, but for how long?
Barring few, most banks have shown a drop in the low-cost CASA. Ditto their net interest margin. The credit quality is holding up, but some banks have reported fresh slippages
 "Good run for banks, but for how long?")
The path ahead for the rupee
The hottest conversation topic on every bank's treasury floor is internationalisation of the rupee
 "The path ahead for the rupee")
Expect status quo on rate and no change in stance
As the festival season approaches, followed by elections, state and national, there will be pressure on liquidity since cash with the public will rise
 "Expect status quo on rate and no change in stance")
Indian bonds in global markets
Increasing foreign presence in the debt market will release the pressure on our banks and free up money for lending since demand for loans is far higher than deposit mobilisation
 "Indian bonds in global markets")
A new dawn for microfinance
There are many contributing factors to the growth and new-found enthusiasm for microfinance
 "A new dawn for microfinance")
The M&M-RBL Bank saga
Why M&M has invested in RBL Bank and what does the bank look like
 "The M&M-RBL Bank saga")
A step-by-step approach to CBDC
Why would anybody shift from UPI to CBDC? What are its advantages over UPI?
 "A step-by-step approach to CBDC")
The death of a defaulter
There are a few lessons to be learnt from art director Nitin Desai's suicide
 "The death of a defaulter")
Status quo policy with hawkish undertone
Any chance of a rate cut has moved further away - to the second half of FY25, for now
 "Status quo policy with hawkish undertone")
Expect status quo, both for rate and policy stance
RBI has committed to remain nimble in its liquidity management, ensuring adequate resources are available for growth and orderly completion of govt's record Rs 15.43 tn market borrowing programme
 "Expect status quo, both for rate and policy stance")
When P2P platforms act like deposit-taking NBFCs
Before it is too late, the RBI should come down on practice of renting out the P2P licence and some of them playing fund managers instead of offering a meeting platform to borrowers and the lenders
 "When P2P platforms act like deposit-taking NBFCs")
For how many years should one run a bank?
The longest-serving CEO among the top 100 US banks is Richard Adams - 48 years. He has led United Bankshares and its predecessor, the Parkersburg National Bank in West Virginia, since 1975
 "For how many years should one run a bank?")
Pay public sector bankers well, and give them a break on Saturdays
If we want public sector banks to compete with their private peers, they should get competitive compensation, linked to performance
 "Pay public sector bankers well, and give them a break on Saturdays")
In age of artificial intelligence, traditional rules spur risk decisions
Banks were exploring options to leverage AI-ML technology in credit risks for at least the last five years
 "In age of artificial intelligence, traditional rules spur risk decisions")
'Banks should be cautious of technological risks', says N S Vishwanathan
'AQR facilitated RBI to understand how a borrower behaved across the banking system'
 "'Banks should be cautious of technological risks', says N S Vishwanathan")
Make hay while the sun shines
It's time for the government, the majority owner of public-sector banks, to reap the benefit of the rally in bank stocks
 "Make hay while the sun shines")
HDFC Bank 1994 + five banks + HDFC = HDFC Bank 2023
The merger will push the bank's retail loan, as well as the secured loan portfolio and lengthen the average maturity profile of loans
 "HDFC Bank 1994 + five banks + HDFC = HDFC Bank 2023")
Behind Credila's success on education loan turf
Education finance is a complex and dynamic sector. There are too many variables - the course, the calibre of students, the universities, and the job prospects once the course is over
 "Behind Credila's success on education loan turf")
RBI supervision not meant to be intrusive or punitive: Deputy Governor Jain
Jain, whose 5-year tenure ends today, talks about the importance of technology, customer service and financial inclusion, besides the RBI's focus on governance at banks and every financial institution
 "RBI supervision not meant to be intrusive or punitive: Deputy Governor Jain")
Everything you want to know about IDBI Bank
Consultation with the RBI is on to check how many technical bidders are 'fit and proper'. In the next stage, financial bids will be called and IDBI Bank will open up the virtual data room for bidders
 "Everything you want to know about IDBI Bank")