Page 5 - Raghu Mohan

Penal amount hike on the cards as RBI likely to revamp framework

Scale-based approach to enforcement, key mgmt personnel on the radar

Fintech may be the worst hit as RBI comes down hard on unsecured credit

Fintech may be the worst hit as Mint Road comes down hard on unsecured credit in the system, reports Raghu Mohan

Upping corporate governance premium in private banks: What to expect

The bigger picture is that the gap in corporate governance standards between state-run and private banks is widening

Five years on, co-lending's performance on the field may need a closer look

On paper, the co-lending model is a winner. But it calls for a high level of coordination: Policies would have to be agreed upfront between banks and NBFCs

Unsecured retail loans burgeoned on banks' books in Covid-19's aftermath

As regulated entities expand the retail portfolio and tap the new-to-credit segment, more through unsecured loans and with less-than-ideal emphasis on credit histories, delinquencies could rise

BS BFSI Insight Summit: SBI to drive in with Yono 2.0 in nine months

Sees no concern on NPA front; macros in mint condition

Adding more bite: A case for tougher RBI penalties for violations

The amounts lenders are fined for violations are too little and may not deter them

RBI-regulated entities interface set for a change with bigger role for SROs

The SRO story has just begun to unfold

JP Morgan adds India to emerging market debt index; may boost G-secs

Industry experts say anything between $20 billion and $30 billion could flow in, at least on paper. There could also be more interest in Indian G-Secs among foreign investors

We're the go-to firm when it comes to mid-caps: Equirus MD Ajay Garg

'Equirus is well poised to have leadership in five broad business areas'

Fintech firms are back to business by wooing audience in small markets

Sector's growth mirrors growth in the broader credit market but it faces greater regulatory scrutiny

AU SFB to Ujjivan SFB: Where do small finance banks go from here?

UCBs that aspire to become SFBs do not want the same limits on loan size and priority sector targets that SFBs have, especially when not many of them have sought to become SFBs

As indebtedness rises, microfinance industry has amber lights switched on

MFIs are now the largest providers of micro-credit with loans outstanding of Rs 1,42,245 cr at end-May 2023

We want to be No. 1 in affordable housing by FY26: Ravi Subramanian

RAVI SUBRAMANIAN, managing director and chief executive officer, feels that the sector is in a sweet spot, and capital will not be a constraint for the better-run players

Dhanlaxmi Bank saga puts spotlight on independent directors on bank boards

Is Kalyanasundaram a whistleblower? Dhanlaxmi insiders are not too perturbed by his exit and say it is business as usual at the bank. That said, Dhanlaxmi has been in a prolonged patch of bad news

Why the story of India's so-called 'bad bank' has not been too good so far

The target was for banks to sell Rs 2 trillion worth of non-performing assets (NPAs) to NARCL by 2021-22. Only 10 per cent of this has been executed

The next orbit of financial inclusion will be in the offline world

Payment solutions will allow transactions when connectivity is poor or if there is a systems breakdown

We'll launch credit score for housing loans: IMGC CEO Mahesh Misra

'HDFC Bank has a very ambitious DNA; we expect this to translate into a higher appetite for market share'

The small home truth: What affordable housing needs to take off big time

Housing finance firms believe they do the heavy lifting in the sector and must get concessions in lending terms

ESG is sensible; it means doing business the right way: Sankar Chakraborti

'The ESG concept is relatively new compared to conventional risk-management frameworks'