Tamal Bandyopadhyay
 "Tamal Bandyopadhyay")
Tamal Bandyopadhyay
Tamal Bandyopadhyay is an Indian business journalist, known for his weekly column on banking and finance ‘Banker’s Trust’ published in Business Standard. He is a senior advisor to Jana Small Finance Bank Ltd. He was an adviser at Bandhan Bank Ltd from August 2014 till October 2018. His latest book is Roller Coaster: An Affair with Banking. A student of English Literature (a postgraduate from the University of Calcutta), Bandyopadhyay began his career in journalism as a trainee journalist with The Times of India, in Mumbai in 1985.
Tamal Bandyopadhyay is an Indian business journalist, known for his weekly column on banking and finance ‘Banker’s Trust’ published in Business Standard. He is a senior advisor to Jana Small Finance Bank Ltd. He was an adviser at Bandhan Bank Ltd from August 2014 till October 2018. His latest book is Roller Coaster: An Affair with Banking. A student of English Literature (a postgraduate from the University of Calcutta), Bandyopadhyay began his career in journalism as a trainee journalist with The Times of India, in Mumbai in 1985.
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Everything you want to know about CBDC
The central bank digital currency will neither substitute nor compete with cryptocurrency; it's just a wallet. Period
 "Everything you want to know about CBDC")
The first soft signal of return to normalcy from Monetary Policy Committee?
The Reserve Bank of India (RBI) sounds relatively more confident on growth now and, at the same time, its concerns on inflation are clearly higher
Banker's Trust: Tamal Bandyopadhyay on the facts and fiction of Mudra loans
Do we need yet another refinance agency? No one will shed a tear if Mudra is given a decent burial
Banker's Trust: Has crony capitalism hijacked bad loan resolution?
If bankers move fast and preserve the enterprise value of defaulting companies, recovery rate will improve even as the new insolvency law, much like the GST, remains a work in progress
To ban or not to ban cryptocurrency
As lobbying and counter-lobbying intensify, right now, it looks like a T20 match. We need to wait till the last over is bowled
What's in store for PMC depositors
They will probably get their money back through staggered payments, and part of it can be converted into equity.
Good show by banks but can they sustain it?
Till March, banks could hold on but not all of them will be in a position to stomach the impact of the second wave of the pandemic
 "Good show by banks but can they sustain it?")
A monetary policy of continuity with change
This time, RBI's rate-setting body is not only talking about sustaining growth but also reviving it
 "A monetary policy of continuity with change")
A no-action policy with focus on growth
'Unwinding' is unlikely to happen before the third quarter of this year even if we don't mess up in tackling a possible third wave of Covid; rate hike may have to wait for next year
RBI's disclosure dilemma
While the RBI must respect the spirit of freedom of expression, we need to draw a Laxman rekha, and the RTI Act should not become a tool to bypass all confidentiality requirements under other laws
How to reconstruct asset reconstruction companies
Banks feel happy shifting their toxic assets from loan books to investment books, while the ARCs are enjoying the management fees with a smile. Let's break the cosy relationship
Why Citibank is selling its consumer business in India
It's a strategic decision by Citigroup's new CEO, not a reflection on its India operations. Regulators' displeasure and investors' ire are behind it
Second wave of coronavirus pandemic: What RBI can do to help
Unless the Reserve Bank comes forward and helps banks to handhold the MSME borrowers, bad loans will swell in the September quarter
A hale and hearty banking sector but...
More than banks, most of which have the balance sheet strength to stomach bad loans, it is the borrowers who will suffer once they are branded as defaulters since no lender will give them fresh money
Status quo policy likely with focus on growth
An OMO calendar will make bond dealers happy but a disinvestment or privatisation calendar by the government will be a more potent weapon to manage yield and push growth
 "Status quo policy likely with focus on growth")
Will gold loan lose its sheen?
In August 2020, when RBI raised the LTV for gold loans to 90 per cent, effective till March 2021, gold price was at a record high. It's time to pare the LTV for de-risking the lenders
How RBI should 'manage' the yield curve
None can question the central bank's policy of leaning against the rising yield but the problem is with the way it is being done
 "How RBI should 'manage' the yield curve")
BS CEO Round Table: Six bank chiefs discuss paradigm shift in banking space
Leading names of India's banking industry join Tamal Bandyopadhyay at Business Standard's Unlock BFSI 2.0 to discuss the issues plaguing the sector
 "BS CEO Round Table: Six bank chiefs discuss paradigm shift in banking space")
Too many questions on bad bank and infra DFI
Why do we need a bad bank, owned by the banks themselves, when there are at least 28 ARCs around?
Two, not three, cheers are enough for FM Sitharaman's Budget 2021
After 51 years of bank nationalisation, the government has finally admitted that it should not be in the business of running all public sector banks
