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 "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.
In his interaction with the media, Das described the CRR cut as "normalisation" of its level. It was raised to 4.5 per cent in April 2022 when the last policy-tightening cycle started
This policy comes at a time when growth is slowing, inflation is still pretty high, and the rupee has started losing value against the dollar
There's been a dramatic rise in loans against gold in the past one year, but growth in unsecured loans is slowing. Bank loans to the NBFC sector have also dipped
While the banking sector has improved its risk-management and underwriting skills to prevent bad loans, it needs to be innovative to mobilise deposits and keep the cost of money low
Rural households are increasingly depending on borrowed money to meet everyday consumption needs, a practice that is not sustainable in the long run
He also spoke about how the RBI is looking to internationalise the Unified Payments Interface, and the plans for the Unified Lending Interface and central bank digital currency
He said the Indian financial sector is resilient enough to deal with any spillover from the external world on a day markets turned volatile following the US election results
Many bankers are complaining about deteriorating credit culture. The villain is farm loan waivers, often a promise of political parties ahead of elections
Offering a higher interest rate is an easy but costly solution
The NBFCs, which have been punished or are likely to be punished, should bring down the usurious interest rates, high fees and penalties without losing time
MTNL and RINL aren't good stories, particularly when both lenders and investors are getting their appetite for the infrastructure sector back
If we see higher inflation in September-October and 7% GDP growth in September quarter, will the RBI go for a rate cut in December? Or, will that be pushed to February?
Growth-inflation dynamics are shifting slowly, but the RBI may not be in a hurry to act amid too many uncertainties
Borrowers are being chased by different kinds of lenders -- universal banks, small finance banks, NBFCs, MFIs and fintechs
The key to effective implementation of the SRO regime is avoiding overlap
All efforts are on to make insurance inclusive and attract global investors. The second, and concluding, part of the column on 25 years of the insurance industry
De-tariffing and portability are two milestones ahead of the Insurance Act amendment that made health insurance an independent line of business and raised FDI limits to 49%. The first of 2 part column
Higher frequency of credit data reporting is a win-win for credit bureaus, borrowers and lenders
With Dinesh Khara's legacy of stock market's love for State Bank of India, his successor CS Setty faces the task of sustaining this momentum while war for deposits continues on the banking turf
The cost of deposits is on the rise, but banks can't raise interest rate on close to 60% of their loan books
