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  • Banking Central | HDFC Bank’s rising retail restructured loans hint at fate of other banks Oct 18, 2021 10:44 AM IST

    Banking Central | HDFC Bank’s rising retail restructured loans hint at fate of other banks

    There was an aggressive shift to retail loans after Covid, but for big banks this is turning to be a tricky change. The latest restructuring numbers of HDFC Bank give evidence of fresh round of stress in the retail segment.

  • Banking Central | A ‘Navratri’ celebration that didn’t go quite well Oct 11, 2021 04:25 PM IST

    Banking Central | A ‘Navratri’ celebration that didn’t go quite well

    Senior executives at PSBs often act like feudal lords to please their bosses, and employees at lower levels often bear the brunt. This is where trade unions act as a corrective force. Though these unions have weakened over the years, they do have a significant role to play when it comes to banking sector employees’ issues.

  • Banking Central| Do we need tighter regulations for fintech? Oct 04, 2021 03:31 PM IST

    Banking Central| Do we need tighter regulations for fintech?

    Rise of fintech companies have helped the banking system for quicker, easier transactions yet fresh challenges have emerged that worry the reglator.

  • Banking Central | Dear customer, know your bank frauds Sep 27, 2021 10:54 AM IST

    Banking Central | Dear customer, know your bank frauds

    ‘Updating’ KYC is the oldest trope in criminals’ busy book of tricks to steal your money. Keeping yourself informed and resisting the temptation of ‘quick returns’ is the best way to protect your hard-earned money

  • Banking Central | Should political parties meddle in a banker’s job? Sep 20, 2021 01:04 PM IST

    Banking Central | Should political parties meddle in a banker’s job?

    If banks need to operate professionally, politicians have to stay away from loan 'mediation', 'facilitation' or whatever else they call it

  • Banking Central| How are state-run banks treating their young bankers? Sep 13, 2021 12:09 PM IST

    Banking Central| How are state-run banks treating their young bankers?

    PSB managers blindly follow instructions from bureaucrats and target junior officers at the slightest hint of trouble. It is time to shun this ham-fisted approach and carve an independent path

  • Banking Central | Microlenders at critical juncture, giving mixed signals on business recovery Sep 06, 2021 12:19 PM IST

    Banking Central | Microlenders at critical juncture, giving mixed signals on business recovery

    Cues from micro borrowers are important as this segment gets impacted at the first hint of an economic shock but also recovers quickly. If the third wave is contained, microloans may rebound sharply.

  • Banking Central | Politicians should be kept away from co-operative banks Aug 30, 2021 11:08 AM IST

    Banking Central | Politicians should be kept away from co-operative banks

    An RBI expert panel has made several recommendations, including a merger of weak co-operative banks, but the report is silent on the biggest issue—political involvement in the running of co-operative banks. Until this problem is looked into, co-operative banks will struggle

  • Banking Central | Banks must get their technology game right Aug 16, 2021 12:17 PM IST

    Banking Central | Banks must get their technology game right

    Banking has evolved into a predominantly tech-focused service and is fast moving away from the brick-and-mortar model but the frequent outages hobble a smooth shift

  • Banking Central | How long can MPC ignore inflation and remain 'accommodative' Aug 09, 2021 11:39 AM IST

    Banking Central | How long can MPC ignore inflation and remain 'accommodative'

    The divided vote indicates that MPC may not continue with the stance for too long and if inflation continues to surprise on the upside, the change may be coming sooner than expected

  • Banking Central | Which is a safer asset for banks in the pandemic era? Jul 26, 2021 10:42 AM IST

    Banking Central | Which is a safer asset for banks in the pandemic era?

    Banks have been trying to de-risk their loans books from lumpy corporate assets, especially in the aftermath of crises such as IL&FS and Yes Bank. The logical shift was to retail but has it worked out?

  • Banking Central | Are 'haircuts' turning too costly for bankers? Jul 05, 2021 11:59 AM IST

    Banking Central | Are 'haircuts' turning too costly for bankers?

    While IBC cannot guarantee the quantum of recovery for banks but it can ensure that the platform is not misused by influential promoters to get back control of their companies through the backdoor.

  • Banking Central | Insulating co-operative banks from politicians Jun 28, 2021 12:20 PM IST

    Banking Central | Insulating co-operative banks from politicians

    The collapse of corporate governance at many co-operative banks, which triggered a crackdown by the RBI, has shaken the trust of depositors. The regulator needs to restore the faith of people who have seen a series of crises such as the recent one at the PMC Bank that has left thousands waiting to get back their hard-earned money

  • Banking Central: Which are the next pain points for banks? Jun 14, 2021 02:12 PM IST

    Banking Central: Which are the next pain points for banks?

    The pain from the corporate sector may be limited this time, but the unforeseen stress could come from retail and contact-intensive sectors such as tourism and travel.

  • Banking Central | Debate on RBI’s ‘forward guidance’ continues Jun 07, 2021 11:41 AM IST

    Banking Central | Debate on RBI’s ‘forward guidance’ continues

    MPC members like Jayanth Varma, had questioned the efficacy of RBI’s forward guidance in the previous policy review meetings

  • Banking Central: How helpful is the tweaked ECLGS scheme for COVID hit borrowers? May 31, 2021 02:37 PM IST

    Banking Central: How helpful is the tweaked ECLGS scheme for COVID hit borrowers?

    Considering the impact of Covid second wave lockdowns on the industries, especially small businesses, both the RBI and government will have to think beyond merely tweaking of ECLGS schemes.

  • Banking Central | Is Section 29A being abused, hobbling IBC? May 24, 2021 12:20 PM IST

    Banking Central | Is Section 29A being abused, hobbling IBC?

    Recent developments show promoters still have the option to make a claim for their companies admitted under IBC. Doesn't that weaken the spirit of the law that intends to keep former promoters away from the bidding process?

  • Banking Central | 2021 is no different for co-operative banks, where is the end to this mess? May 17, 2021 11:15 AM IST

    Banking Central | 2021 is no different for co-operative banks, where is the end to this mess?

    The RBI crackdown on co-operative banks continues. In most of these cases, the findings point to poor governance and dubious deals. The RBI will have to prepare a roadmap to address the deep rot in this industry and restore customer faith.

  • Banking Central | What makes a ‘rockstar’ RBI governor? May 10, 2021 12:25 PM IST

    Banking Central | What makes a ‘rockstar’ RBI governor?

    Das and his team have been proactive in responding to the challenges posed by the coronavirus pandemic but there is no drama attached to what they do—his pressers are just an official reading out of the central bank’s response and there are no headline-making off-the-cuff remarks.

  • Banking Central | Why are banks silent on coronavirus data of their employees? May 03, 2021 11:35 AM IST

    Banking Central | Why are banks silent on coronavirus data of their employees?

    Bank employees are susceptible to infection because of the nature of their work. Banks must share information on how coronavirus has affected their staff, so that steps can be taken to ensure their safety.

  • Banking Central: How reliable is MPC’s forward guidance? Apr 26, 2021 10:33 AM IST

    Banking Central: How reliable is MPC’s forward guidance?

    The efficacy of MPC’s forward guidance has been questioned repeatedly, with some members saying that it should have the agility to respond adequately to surprises new data brings.

  • Banking Central | Who will win universal bank licences in this round? Apr 19, 2021 10:49 AM IST

    Banking Central | Who will win universal bank licences in this round?

    The RBI is expected to go with those with a strong record of handling credit operations, deep pockets and a clean track record, which narrows the list to one or two names.

  • Banking Central | Investigate, but don’t kill the spirit of bankers with never-ending probes on past loan deals Apr 12, 2021 11:00 AM IST

    Banking Central | Investigate, but don’t kill the spirit of bankers with never-ending probes on past loan deals

    Frequent probes by agencies into old decisions have impacted the morale of bankers, contributing to delays in fresh lending decisions. That doesn't augur well for Indian economy

  • Banking Central| MPC may hold its horses for now but what’s the guidance going to be on rates? Apr 05, 2021 08:37 AM IST

    Banking Central| MPC may hold its horses for now but what’s the guidance going to be on rates?

    There is uncertainty on growth, inflation fronts. The policymakers do not have a clear direction on where to go on interest rates at this point.

  • Banking Central | Dear RBI, don’t delay PMC Bank resolution any further Mar 29, 2021 09:32 AM IST

    Banking Central | Dear RBI, don’t delay PMC Bank resolution any further

    Cooperative Bank customers deserve the same regulatory treatment as those of a commercial bank

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