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Kochhargate: A litmus test for CBI

The country's premier investigative agency's record in probing complex financial misdeeds is not exactly immaculate

2022: A banking year marked by three Cs

The relentless fight against Cryptocurrencies, CBDC taking baby steps, and bank Credit growth at a decadal high

Four years and four challenges of RBI governor

Shaktikanta Das is nimble-footed and open to ideas - a trapeze artist, and a master of the finest balancing act who listens to all but takes his own decisions

The new kid on the infrastructure financing block

NaBFID can support infrastructure projects in three ways: by giving loans, subscribing to bonds and picking up equity stakes

No pause in sight: A 25-basis-point rate increase in Feb can't be ruled out

The key takeaway from the governor's 3,000-word statement is 'the battle against inflation is not over'

A 35-basis-point rate increase could be par for the course

This will take the policy rate to 6.25% and the RBI can continue with an open-ended statement, refraining from sounding dovish

Public Credit Registry: What's that?

PCR needs to be backed and governed by a comprehensive Public Credit Registry Act in consultation with the govt, and it must follow the latest privacy guidelines based on a laid-down consent framework

Will the dream run continue for banks?

As the war for deposits escalates, the cost of money will rise and banks' NIM will be under pressure. Also, a few banks may invite trouble by aggressively growing their retail books without necessary

Game-changing rules for asset reconstruction companies

The new norms succinctly sum up the RBI's view on how some of the ARCs have been run

Digital currency just a stone's throw away

As geopolitical tensions rise, efforts for globalisation of CBDC take centre stage. But the financial system may face a significant interoperability problem in the near future

The battle for deposits will intensify

The challenge before the banking system is how to keep the net interest margin healthy in a rising interest rate cycle

The toughest challenge before bank HR

Employees across segments, including those involved in specialised jobs such as technology, compliance and risk management, have started leaving the bank fold in hordes

Everything you want to know about tokenisation

For consumers, nothing has changed as token is just replacing the card details. Merchants do not have card details anymore and hence, if their sites are hacked, at best the hacker gets only the token

Inclusion in global bond index: Waiting for Godot?

The wait is indeed getting longer but it's certainly not an absurd drama

RBI plays out familiar script, more rate hikes to follow

In 2019, when retail inflation was 3%, the policy rate was 5.75%. Now inflation hovers around 7% and the policy rate is 5.9%. It needs to move up

Will RBI go for 50-bps rate hike this week?

This hike is par for the course - not to fight inflation alone but also to stem currency depreciation

Story behind smooth sailing of govt borrowing

Will the dream run continue in the second half of the year too, spreading cheers to the treasury floors and adding to banks' profits?

The new world of digital lending

The business model of the digital lenders has to change as they have lost their freedom to directly deal with the customers

Bad loan recovery process can get worse

Apart from creating a distinction between financial creditors and operational creditors, the latest Supreme Court judgment also leads to the creation of a new category of default - temporary default

Treasury losses haven't derailed good run of banks

With healthy credit growth, bad loans will shrink further in percentage terms, but if the banks throw caution to the winds for building loan books, such loans may resurface again and spoil the party