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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Why do lenders rush where angels fear to tread
Only a forensic audit can answer the questions that lenders to Bhartiya Micro Credit have, but don't dare to ask
 "Why do lenders rush where angels fear to tread")
Bravo FM, but it's only half the job done
The government can have its cake and eat it too if it allows mega banks to run independently and turn others into vehicles for social banking
 "Bravo FM, but it's only half the job done")
Jalan panel didn't get RBI funds pouring for govt; just led to a drizzle
Even that's enough for the parched earth of government finance
 "Jalan panel didn't get RBI funds pouring for govt; just led to a drizzle")
How to make the horse drink water
For ideal monetary transmission, we need two benchmarks - one for loans and another for deposits
 "How to make the horse drink water")
Rating agencies: Derated and now berated
The onus is on the CRAs to come out clean or face the wrath of the markets and live in shame
 "Rating agencies: Derated and now berated")
Celebrating 50 yrs of bank nationalisation
The nationalised banks do a good job of what their majority owner mandates them to, but most are failed business enterprises
 "Celebrating 50 yrs of bank nationalisation")
How HDFC recast systems to offer loan approval, disbursement in 10 seconds
The exercise involved an intense effort with most senior managers working without a break between September 2014-February 2015
 "How HDFC recast systems to offer loan approval, disbursement in 10 seconds")
The markets couldn't have asked for more!
More than the rate cut, change in the stance of the policy and RBI's commitment to ensure "adequate" liquidity will encourage banks to cut loan rates
 "The markets couldn't have asked for more!")
Six suggestions for the new finance minister
Some unsolicited advice for a government with brute majority and nation's pragmatic chief money man
 "Six suggestions for the new finance minister")
The biggest challenge before the new govt
More than liquidity crisis, banks' risk aversion is at the root of the current problem. Despite two policy rate cuts, most banks have raised lending rates
 "The biggest challenge before the new govt")
Will corporate India be up for sale?
We must bring in private equity and patience capital in funding promoters against pledge of shares. If it's too late, India Inc might lose its shirt
 "Will corporate India be up for sale?")
The curious case of twin bad loan resolution
Two cases that could be resolved this week illustrate the progress of the single-window insolvency and bankruptcy resolution process
 "The curious case of twin bad loan resolution")
Should India open up the debt market?
Global bond indices play a critical role in influencing cross-border flow of debt capital. India isn't there as yet
 "Should India open up the debt market?")
To bank or not to bank on Indiabulls
A banking licence, unlike, say, a licence to enter the telecom or gas business, is not sold to the highest bidder; it goes to a "fit and proper" entity
 "To bank or not to bank on Indiabulls")
Let's find a new way to deal with bad loans
The Supreme Court ruling on the February 2018 RBI directive creates an opportunity to take a fresh look at India's bad asset resolution process
 "Let's find a new way to deal with bad loans")
Will Jet continue to fly?
If Jet does not survive, the lenders will lose money but gain experience of how to deal with a defaulter airline and not repeat the Kingfisher mistake
 "Will Jet continue to fly?")
When will we see the next rate cut?
Probably in August. We can argue whether RBI is dovishly neutral or neutrally dovish but the telltale signs of at least one more rate cut are strewn all over the policy statement
 "When will we see the next rate cut?")
How to clean up the rating mess in India
Create a junk bond market to ease pressure on rating agencies for giving higher ratings. Let the investors price in risk for exposures to lesser rated papers
 "How to clean up the rating mess in India")
Bad debts to break: Challenges, achievements of India's insolvency law
The Insolvency and Bankruptcy Code aimed to speed up loan recovery when it came into force in Aug 2016. Woeful infra and legal issues have held up tribunals, but settling bad debts is well on its way
 "Bad debts to break: Challenges, achievements of India's insolvency law")
The key lessons from Kochhargate
The concluding part of the series lists the lessons for the industry
 "The key lessons from Kochhargate")
