Page 2 - Tamal Bandyopadhyay

Banks caught in a trap

The cost of deposits is on the rise, but banks can't raise interest rate on close to 60% of their loan books

Bank deposits: Barking up the wrong tree?

Despite efforts to boost deposit growth, credit growth is outpacing deposits. Traditional strategies are not working. Are we missing the big picture?

Monetary policy: No concern on growth, no comfort on inflation

The RBI estimate of growth, as well as, inflation for the current financial year remains unchanged, but there has been some fine-tuning

No rate cut, but dovish undertone likely

The stance can be changed, and if that doesn't happen, the hawkish underdone will not continue

P2P industry: When will RBI walk the talk?

The regulator has issued show cause notices to a few P2P platforms for certain practices. Let's see how they defend themselves and how the regulator reacts

Fiscal consolidation: Yes. Banking reforms: Wait

Next-generation reforms are at the bottom of the list of nine priorities of this Budget

Can we bank on the Budget?

With the structural change in the ruling National Democratic Alliance, will the government be able to move on the bank privatisation front in this Budget?

Different faces of bank frauds

Customer education is the key to combating digital fraud, while improved credit appraisal, underwriting, and risk management can help contain loan fraud

Changing dynamics of Indian banking

One constant feature of banks' balance sheets over the years - in good times and bad - is the high bad loans in the agriculture sector. Can anything be done about it?

A milestone on bond street

India's entry into a global bond index is a great sentiment-booster, but much of it has already been factored in

Tweak draft project loan financing norms

Instead of a blanket 12-fold jump in the provision requirement, the RBI can ask lenders to create project finance reserves on their balance sheets

Is Nabfid the answer to India's infra woes?

Though earlier such attempts had failed, NaBFID should succeed as the ecosystem is changing. Infra projects are a new asset class that offers healthy returns

Politics, exit polls, market and retails investors

Are retail investors reading the market better than institutional investors? Are they getting smarter?

RBI monetary policy review: Wait for rate cut, change in stance gets longer

The combination of strong growth and above-target inflation does not make a case for a rate cut and even a shift in the policy stance too soon

Of cricket and monetary policy

The June policy will be one of status quo in every way. There will be no change in rate or stance

How long will the good run last?

In public, bankers exude confidence and say everything is hunky-dory, but the rising defaults in a few pockets don't exactly suggest this

The nomadic life of a PSU banker

Here's a peek into the life of a public sector banker who did well professionally, but paid a price for it

What ails public sector banks?

Two books written by public sector bankers flag symptoms that range from seemingly small episodes to serious, reputation-ruining actions

Small is beautiful, but not always

For most SFBs, being a small bank is part of their journey, not the destination

How to make insolvency law solvent

IBC has served purpose by creating the fear of god among rogue promoters. It's time to plug the loopholes in the law and make the defaulters understand that the IBC isn't just all bark and no bite