Dinesh Unnikrishnan

Deputy Editor

Moneycontrol

Will RBI cut rates? Five questions answered on the central bank’s likely action

BUSINESS

Will RBI cut rates? Five questions answered on the central bank’s likely action

The monetary policy committee, which sets the repo rate, is expected to announce a rate cut soon, according to most economists. Here are five questions answered on the likely rate cut

Coronavirus pandemic | Following US Fed move, economists pitch for an early rate cut. When will RBI act?

BUSINESS

Coronavirus pandemic | Following US Fed move, economists pitch for an early rate cut. When will RBI act?

While economists are certain about an early RBI rate cut, they are divided over the intended impact of monetary easing

Yes Bank’s AT1 bondholders will get zilch after the hurried bailout

BUSINESS

Yes Bank’s AT1 bondholders will get zilch after the hurried bailout

Total write down of Yes Bank's additional tier-1 bonds will impact not only institutional investors, but also retail investors

The good, bad and the ugly of Yes Bank’s Q3 numbers, rescue fine print

BUSINESS

The good, bad and the ugly of Yes Bank’s Q3 numbers, rescue fine print

Yes Bank’s Q3 numbers and finer details of the bail out scheme shows that more pain is awaiting the new management and investors in the bank’s tricky balance sheet

What the Yes Bank rescue plan actually means

BUSINESS

What the Yes Bank rescue plan actually means

A bank promoter’s unchecked acts have been bailed out. Every bank in India is now a too-big-to-fail bank.

Yes Bank crisis | Will there now be any takers for PSB privatisation?

BUSINESS

Yes Bank crisis | Will there now be any takers for PSB privatisation?

Yes Bank's financial failure poses fresh questions on the effectiveness of a bank privatisation to usher in greater efficiency in the running of state-run banks

High-risk KCC loans are growing, and punching a hole in the books of Indian banks

BUSINESS

High-risk KCC loans are growing, and punching a hole in the books of Indian banks

KCC model is fraught with risks as there is no close monitoring of the end use of these loans by lending institutions.

Coronavirus pandemic | Does an emergency RBI rate cut make sense for India?

BUSINESS

Coronavirus pandemic | Does an emergency RBI rate cut make sense for India?

If one look at empirical evidence from the past, lowering the borrowing costs alone has not helped boost credit growth

In Yes Bank rescue deal, RBI vouches for depositors’ money in a private bank only the second time in 12 years

BUSINESS

In Yes Bank rescue deal, RBI vouches for depositors’ money in a private bank only the second time in 12 years

Yes Bank crisis has raised questions on the notion that new age private sector banks are more efficient and professionally managed than the traditional government banks.

Yes Bank saga: How the cookie crumbled

BUSINESS

Yes Bank saga: How the cookie crumbled

Rana Kapoor's mantra was simple. Bet big, spend big and grow big. The composition of the loan book always tilted towards corporate loans with this aim. The strategy worked for Kapoor for a long period.

Ravneet Gill, a veteran banker who said ‘Yes’ to the wrong job

BUSINESS

Ravneet Gill, a veteran banker who said ‘Yes’ to the wrong job

If Gill could turn back the hands of time, perhaps, he would have never chosen the mess called Yes Bank. After three decades of a successful stint at Deutsche, Gill landed himself in the wrong job.

How Rana Kapoor flattered to deceive at Yes Bank

BUSINESS

How Rana Kapoor flattered to deceive at Yes Bank

The founder of Yes Bank was the consummate banker, reluctant to say no to loan requests, but in the end has become emblematic of the perils of promoter-driven banking model in India.

Yes Bank likely to retain its identity, SBI to maintain arm’s length post bailout

BUSINESS

Yes Bank likely to retain its identity, SBI to maintain arm’s length post bailout

Prashant Kumar joined as a probationary officer with SBI and is known as a trouble-shooter in banking circles

What happens to Yes Bank's corporate clients & employees now?

BUSINESS

What happens to Yes Bank's corporate clients & employees now?

In the event of distress mergers, there is a possibility that the acquiring entity may seek to cut cost and look at trimming overlapping functions in the target bank

Yes Bank’s financial failure is first for a new-age private bank; was RBI late in acting?

BUSINESS

Yes Bank’s financial failure is first for a new-age private bank; was RBI late in acting?

Why didn’t the central bank act earlier to address the fault lines within the bank? If it had taken preventive measures earlier, perhaps significant erosion in bank’s financials could have been avoided

Yes Bank's fund-raising rollercoaster nears end but what is in it for SBI?

BUSINESS

Yes Bank's fund-raising rollercoaster nears end but what is in it for SBI?

As on date, Yes Bank’s market capitalisation is just over Rs 9,500 crore. That is a shadow of the amount — Rs 14,000 crore — that it initially forecast to raise from the market to stay afloat.

Does an emergency RBI rate cut make sense for India?

BUSINESS

Does an emergency RBI rate cut make sense for India?

If one look at empirical evidence from the past, lowering the borrowing costs alone has not helped boost credit growth

The unenviable job of Aditya Puri's successor at HDFC Bank

BUSINESS

The unenviable job of Aditya Puri's successor at HDFC Bank

Even when many in the competition lost direction on account of periodic financial sector crises and internal corporate governance issues, Puri managed to ring-fence the bank from all troubles.

With economic recovery distant, Indian banks may be staring at a second wave of bad loans

BUSINESS

With economic recovery distant, Indian banks may be staring at a second wave of bad loans

A second round of bad loans could come up with the slowing economy caught in the vicious cycle of consumption slump and policy paralysis. Fresh loans given to companies including to small and medium enterprises will face risk if the cash flows of companies under pressure

Why is bank credit growth plummeting?

BUSINESS

Why is bank credit growth plummeting?

But these measures are unlikely to help in a big way to revive bank loan demand, the problem is the demand slump and lack of economic activities on the ground, not the high cost of money

Sumant Kathpalia, a veteran banker who built IndusInd's consumer business, takes charge

BUSINESS

Sumant Kathpalia, a veteran banker who built IndusInd's consumer business, takes charge

During his decade long stint at IndusInd Bank, Kathpalia is credited for building its consumer banking business and diversifying it to industry beating performance over years

With ATMs not dispensing Rs 2,000 notes anymore, here's why it is a win-win situation for banks & customers

BUSINESS

With ATMs not dispensing Rs 2,000 notes anymore, here's why it is a win-win situation for banks & customers

The recalibration exercise is unlikely to create much problems for the customers because this process has been going on for a while now.

Four years after his flight to UK, getting back Vijay Mallya, and the Rs 10,000 crore he owes is a fading hope

BUSINESS

Four years after his flight to UK, getting back Vijay Mallya, and the Rs 10,000 crore he owes is a fading hope

Bankers forgot the golden rules before the flamboyant liquor baron and lent to an airline that never made profits in its eight years of existence.

Dhan ki Baat: A retired tax official talks about the life of a taxman

BUSINESS

Dhan ki Baat: A retired tax official talks about the life of a taxman

Tax officials not only face steep targets but are also hemmed in by political influence, a slow legal system, an under-staffed department and tax evaders who are getting smarter.

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