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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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")
Stellar show by banks, but will it continue?
There are challenges ahead. It won't be easy for the banking sector to put up a better performance every quarter
A cautious pause, rate cut not anytime soon
In the aftermath of the pandemic, the RBI was tolerating inflation at the higher end of the band. Now, the focus is on bringing it down to the 4% target
 "A cautious pause, rate cut not anytime soon")
Status quo on rate, but will the stance change?
We have come to the end of the rate-hike cycle. The speculation is on the timing of the first rate cut. It won't happen anytime soon
 "Status quo on rate, but will the stance change?")
Is the foreign banking landscape changing in India?
The Indian market offers limitless possibilities. International banks are aware of this but not many seem willing to explore it
 "Is the foreign banking landscape changing in India?")
Fighting Covid-19 pandemic, the RBI way
On May 5, WHO announced the end of the global health emergency triggered by Covid pandemic. How did the Reserve Bank fare during this period that changed the ways of the world?
 "Fighting Covid-19 pandemic, the RBI way")
The great banking rescue of a doomed realty project
India's highest court and the lenders, backed by the banking regulator, are involved in a unique experiment to revive a project and save unsuspecting homebuyers
 "The great banking rescue of a doomed realty project")
A week in a PSU banker's life
Pages from the diary of a banker that offer glimpses of his work and life
 "A week in a PSU banker's life")
