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  • Deferring loan payment by top rated companies indicates time for bail-out is now Apr 28, 2020 09:14 AM IST

    Deferring loan payment by top rated companies indicates time for bail-out is now

    A report by rating agency ICRA shows that several blue-chip companies, including some that are triple-A rated and those belonging to top business groups, have sought payment relief from lenders.

  • Cryptocurrency | SC judgment brings short term respite Mar 05, 2020 10:47 AM IST

    Cryptocurrency | SC judgment brings short term respite

    The Supreme Court judgment paves the way for the revival of the cryptocurrency ecosystem in India only theoretically. Whether or not it will be catalytic to the crypto-industry will have to be seen.

  • Chart of the Day | India’s banking sector among the weakest in emerging markets Dec 30, 2019 10:22 AM IST

    Chart of the Day | India’s banking sector among the weakest in emerging markets

    India’s policy makers now have no option but to find ways and means of restoring the country’s financial sector to health speedily, without further dilly-dallying.

  • The revamped partial guarantee scheme will need a braveheart banker to succeed Dec 13, 2019 09:27 AM IST

    The revamped partial guarantee scheme will need a braveheart banker to succeed

    Even though a sizable chunk of NBFC loans falls under the BBB+ category, the quality of these loans is doubtful

  • Are we seeing the beginnings of India’s sub-prime loan problem? Nov 05, 2019 08:56 AM IST

    Are we seeing the beginnings of India’s sub-prime loan problem?

    NBFC consumer lending data show 45 percent of origination is from the ‘below prime’ segment

  • Mountain of NPAs? Blame it on inter-corporate loans Oct 31, 2019 02:27 PM IST

    Mountain of NPAs? Blame it on inter-corporate loans

    Along with restricting inter-corporate loans, the government should also put an end to the practice of omnibus objects clauses

  • Did the market jump the gun in celebrating the reduction in pledged shares? Oct 30, 2019 09:19 AM IST

    Did the market jump the gun in celebrating the reduction in pledged shares?

    In many cases, pledged shares have been reduced because of compulsion, not due to improved company fundamentals

  • Early Q2 results flag continuing asset quality pressures at banks Oct 23, 2019 10:33 AM IST

    Early Q2 results flag continuing asset quality pressures at banks

    The risk is high especially from the real estate sector where credit from NBFCs has been choked off. Starved of liquidity, builders are struggling to pay their non-bank lenders, who in turn are defaulting on their dues to banks.

  • RBI has rejected Indiabulls Housing–Lakshmi Vilas Bank merger. What next? Oct 11, 2019 08:20 AM IST

    RBI has rejected Indiabulls Housing–Lakshmi Vilas Bank merger. What next?

    RBI’s rejection of the deal basically indicates that it does not trust the books of non-bank companies, particularly, those with links to the real estate sector. That would have ripple effect across the sector and increases the risk of contagion as fear and a trust deficit spreads throughout the financial system.

  • PSU Bank Mergers | The more things change… Aug 30, 2019 08:04 PM IST

    PSU Bank Mergers | The more things change…

    The timing of the merger is questionable. Bank management bandwidth will be occupied by the merger instead of pushing through loans with proper due diligence

  • Sentiment Booster | Are confidence building measures enough to overcome lenders’s risk aversion? Aug 26, 2019 09:39 AM IST

    Sentiment Booster | Are confidence building measures enough to overcome lenders’s risk aversion?

    Banks are parking almost a trillion rupees daily at the RBI’s overnight repo window. That shows they have money but are unwilling to lend.

  • RBI policy: Top rated NBFCs to benefit from easing measures Aug 08, 2019 11:06 AM IST

    RBI policy: Top rated NBFCs to benefit from easing measures

    The Nifty Financial Services Index fell by 0.88 percent on Wednesday

  • Markets | Will banks soon be able to transmit lower interest rates to borrowers? Jul 23, 2019 09:09 AM IST

    Markets | Will banks soon be able to transmit lower interest rates to borrowers?

    Bank deposit growth is looking up and the credit-deposit ratio is coming down

  • DHFL crisis must be contained by speedy action Jun 06, 2019 03:28 PM IST

    DHFL crisis must be contained by speedy action

    Despite the warnings signs, banks and mutual funds have done precious little with their holdings of DHFL’s debt

  • Capital Markets | The fissures in the Indian financial sector will take a long time to be sealed May 03, 2019 09:54 AM IST

    Capital Markets | The fissures in the Indian financial sector will take a long time to be sealed

    Rating downgrades cast doubt on the debt repayment prospect of companies and tend to create panic among investors.

  • CXO Corner | New government should focus on capital spending without sacrificing fiscal prudence Apr 23, 2019 11:16 AM IST

    CXO Corner | New government should focus on capital spending without sacrificing fiscal prudence

    New investment proposals in 2018-19 stood at a 14-year low, primarily attributable to a dip in the share of private sector investments.

  • Corporate Finance | Debt has truly become a four-letter word Apr 22, 2019 08:19 AM IST

    Corporate Finance | Debt has truly become a four-letter word

    Companies and promoters are doing all they can to lower debt to more sustainable levels. This has implications, mostly positive but some negative too

  • Money management | The future of the investment industry in India Apr 17, 2019 10:29 AM IST

    Money management | The future of the investment industry in India

    India has an emerging middle class, and this presents a real opportunity for wealth management and investment management firms.

  • Primer | Will countercyclical capital buffers help in the next crisis? Apr 12, 2019 03:17 PM IST

    Primer | Will countercyclical capital buffers help in the next crisis?

    It has emerged as a new tool to prevent financial vulnerabilities in the banking sector and mitigate the possible impact in case of a meltdown

  • Opinion | Lok Sabha polls: Five things that financial markets would like to see in election manifestos Mar 20, 2019 07:20 AM IST

    Opinion | Lok Sabha polls: Five things that financial markets would like to see in election manifestos

    Despite the evidence that economic reforms have helped increase growth, progress on this front has remained slow

  • Opinion| The banking sector roadmap for transition to Ind AS Mar 18, 2019 08:20 AM IST

    Opinion| The banking sector roadmap for transition to Ind AS

    Considering the impact on the banking sector, RBI needs to issue the operational and other guidelines for both banks and NBFCs so as to enable them to make the transition to Ind AS. 

  • Comment | Why Shaktikanta Das’s nudge will not bring down lending rates Feb 21, 2019 08:11 AM IST

    Comment | Why Shaktikanta Das’s nudge will not bring down lending rates

    There are a number of structural problems that affect monetary policy transmission.

  • Opinion | Ruia offer threatens sanctity of insolvency resolution process Oct 26, 2018 03:34 PM IST

    Opinion | Ruia offer threatens sanctity of insolvency resolution process

    A 100 percent recovery for banks in the Essar Steel case could well mean a big blow to the sanctity of the insolvency resolution process.

  • Opinion | New courts for IBC will help, but more needs to be done Aug 08, 2018 12:33 PM IST

    Opinion | New courts for IBC will help, but more needs to be done

    Resolving insolvency cases speedily is necessary to clean up the balance sheet of both banks and corporate India and is a key condition to kick-start bank lending and boost private investment demand

  • Opinion | Farm loan waivers are bad for the economy, for banks - and for farmers Jun 27, 2018 06:40 PM IST

    Opinion | Farm loan waivers are bad for the economy, for banks - and for farmers

    Data now shows that this elixir of political survival is causing structural damage and needs to be stopped before it becomes irreversible.

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