BUDGET
Big reforms missing in Budget, but banks could benefit from FM’s consumption boost
If the consumption boost translates into higher credit and deposit growth, the sector might still find reasons to cheer.
BUSINESS
Reforms in Insolvency Code: Why FM must take cues from Economic Survey
More courts, more benches, and better infrastructure were promised, but execution has been sluggish. Without immediate investment in strengthening the NCLT’s capacity, the backlog will only worsen, defeating the very purpose of the IBC
BUSINESS
Moneycontrol Pro Panorama | We expect too much from the Union Budget
In Moneycontrol's Pro Panorama Jan 29 edition: We have had innumerable plans and blueprints. What we need to do is focus on execution
BUSINESS
Karnataka’s proposed MFI Bill can turn out be a double-edged sword for the industry
The proposed bill is intended to address the increasing complaints of harassment by lenders, especially in rural areas, where farmers and marginalized communities have become vulnerable to exploitative lending practices.
BUSINESS
Budget Snapshot | Agri credit target to cross Rs 28 lakh crore in this Budget, what’s in it for banks?
Banks are increasing fund flows to the agriculture sector because it’s an obligation under the rules. Under the priority sector lending (PSL) norms, banks are mandated to lend 18 percent of the adjusted net bank credit to agriculture
BUSINESS
Banking Central| What do the latest bank results tell us about industry trends
The banking sector's December quarter results, so far, reflect an underlying pressure. Banks face the twin challenge of managing the slowdown in credit growth and as keeping deposits healthy
BUSINESS
Moneycontrol Pro Panorama | Is the American dream souring for Indians?
For the Jan 22 edition of Moneycontrol Pro Panorama: The U.S. still holds immense potential, but its once-unquestionable allure is now being viewed through a more pragmatic lens.
BUSINESS
Budget Snapshot | No pressing need to capitalise PSBs in this Budget
The RBI rules require banks to maintain a minimum Capital to Risk-Weighted Assets Ratio (CRAR) of 11.50%. This requirement applies to credit risk, market risk, and operational risk. As the chart shows, most PSBs have a CRAR of 16% and above
BUSINESS
Banking Central| Slower loan growth, rising stress: What do bank earnings tell us about state of economy?
Banks may see slower credit growth and face pressure on interest margins.
BUSINESS
RBI’s aggressive forex interventions have countered volatility, but at what cost?
Foreign exchange interventions, both spot and forward, effectively counter capital flows volatility, with symmetric effects of purchases and sales, says article by RBI researchers
BUSINESS
Moneycontrol Pro Panorama | Rupee’s tantrums throw fresh challenges to MPC
In Moneycontrol Pro Panorama Jan 15 edition: India must boost private investment in roads, decoding indicators to understand market sentiment, government likely to present roadmap on bank privatisation, tackling agriculture productivity challenges, and more
BUSINESS
Budget Snapshot: Will government present a road map on bank privatisation?
Missing the large-ticket reforms in the next five years will put Indian banks one step back. Privatising India's dozen PSBs has been a tough task and an unkept promise
BUSINESS
Small lenders had it tough in 2024, will 2025 see a recovery?
It's not just a funding squeeze that's a bother for MFIs, their asset quality too has shown deterioration in 2024 and there are regulatory concerns on lending discipline
BUSINESS
Banking Central | Why Kerala revenue recovery law tweak leaves banks worried
The amendment to the Kerala Revenue Recovery Act, 1968, will allow the state to intervene in the recovery process. It lets the defaulter to either take back the attached property or sell to repay banks
BUSINESS
Moneycontrol Pro Panorama | Growth worries persist
In Moneycontrol Pro Panorama January 8 edition: Trump 2.0 and the risk it poses for India, challenges India's options market faces, infra sector needs to ensure consistent growth, separating facts about hMPV from fear, and more
BUSINESS
Budget Snapshot: Will Budget 2025 prioritise stress resolution in banking?
An analysis by CareEdge Ratings highlights worsening delays in the corporate insolvency resolution process (CIRP). By September 2024, over 71% of ongoing CIRPs exceeded the 270-day completion timeframe, up from 63% in September 2022 and 67% in September 2023.
BUSINESS
Banks’ Q3 business updates: Why is credit growth slowing sharply?
Business updates of banks suggest slowdown in credit growth and rise in stress across certain categories. Do these signal suggest a deeper demand slowdown?
BUSINESS
Banking Central | A humble request to banks: Don't spoil my New Year with cold calls
On a normal day, anything around 10 calls land on my phone from various non-bank financiers and loan apps dishing out personal loan offers with lightening-fast sanctioning process
BUSINESS
Bank credit slowed down in 2024, but could bounce back in 2025
Overall, the data shows that bank credit marked a slowdown in the year 2024, falling to 10.6 per cent from 20.9 per cent, with only loans to industries showing a pickup.
BUSINESS
Moneycontrol Pro Panorama | In the New Year, some old worries persist
In the January 1 edition of Moneycontrol Pro Panorama: For the Indian economy, not all is well at this moment. On the ground there are signs of a growth slowdown. Latest numbers on consumption and loan repayment records suggest a downturn and a deepening stress
BUSINESS
Zooming gold loans, rising defaults: What does this combo tell us about the Indian economy?
If there is rising stress at the bottom of the pyramid, such as in sensitive gold loan and microloan portfolios, the RBI should be worried. It should acknowledge the problem rather than pretending all is well in the economy.
BUSINESS
The 2025 New Year resolutions that will not be made…
It’s not just you and me—there are a few others who also want to share their big resolutions for 2025
BUSINESS
Banking Central | NBFCs may have to live with slower growth in new year
As the smaller NBFCs fail to raise money from the bond market at attractive rates, they are left with only two options - either shrink their credit growth or borrow at a higher rate from banks
BUSINESS
Moneycontrol Pro Panorama | What's in store for banks and savers in 2025?
In today’s edition of Pro Panorama: An infra value bet, the evolution of CRR, the Bengal paradox, what 2025 holds for crypto, life beyond technical analysis and much more
