My Account
Jan 16, 2021 10:31 AM IST A more productive approach would be to factor in the RBI’s concerns and take steps to strengthen the balance sheet of banks
Jan 13, 2021 11:01 AM IST Core inflation continued to be sticky in December. As the recovery gathers strength, inflationary pressures may rise, if the government boosts consumption in the Budget
Jan 11, 2021 08:21 AM IST Microfinance institutions serve as a key instrument in removing income poverty and laying low cost foundations for improving human development indicators
Jan 08, 2021 10:15 AM IST With benefits outweighing the cost, a merger can be a win-win situation for both HDFC and HDFC Bank
Jan 04, 2021 01:01 PM IST There is no debt forgiveness in loan write-offs. It is an accounting practice followed by banks
Jan 04, 2021 08:50 AM IST If low interest rates are not enough to revive growth, then the private sector will not really be able to kickstart the economy and the burden for growth will fall entirely on the government, until vaccination restores confidence
Dec 04, 2020 05:09 PM IST There is no doubt that the RBI has done the heavy lifting to support growth in these exceptional circumstances. However, excess liquidity creation amid growing concerns about inflation and fiscal slippage will continue to interfere with market dynamics
Dec 04, 2020 09:26 AM IST Digitisation has enhanced HDFC Bank’s earnings in recent years; regulator’s directive will prompt it to boost customer experience.
Dec 03, 2020 01:24 PM IST The MPC will worry that the data suggests inflation is not only persisting but becoming more broad-based
Dec 01, 2020 11:24 AM IST Banks are parking the liquidity in government bonds, driving down yields
Dec 01, 2020 10:50 AM IST It is very likely that the fall in credit to large companies is because they were able to access funds from other quarters, such as the debt and equity markets and through foreign direct investment
Nov 27, 2020 08:44 AM IST Diego Maradona’s first goal was akin to monetary policy of the earlier era where there was “mystery and mystique” associated with central banking. His second goal belonged to the modern central banking era
Nov 25, 2020 08:46 AM IST As experts and policymakers engage in debate and discussion over the new guidelines set by RBI’s Internal Working Group, it is interesting to go back in history when connected lending led to bank failures
Nov 24, 2020 09:00 AM IST 'All the experts except one were of the opinion that large corporate/industrial houses should not be allowed to promote a bank'; Recommendation: 'Large corporate/industrial houses may be allowed as promoters of banks only after necessary amendments to the Banking Regulations Act, 1949...'
Nov 23, 2020 09:58 AM IST Relaxing the cap on promoter holding is a big positive
Nov 18, 2020 12:52 PM IST For every Yes Bank or Lakshmi Vilas, there are countless other cooperative banks where depositors have a long wait to access their money
Nov 17, 2020 05:37 PM IST The RBI has shortlisted two companies for its regulatory sandbox programme built on the theme of retail digital payments. Both the companies are working towards helping digitise rural payments through innovative means.
Nov 07, 2020 09:03 AM IST Central banks across the world should look at the European Central Bank whistleblower policy and bring themselves under a similar one. There are several benefits of such a policy
Oct 06, 2020 01:32 PM IST The vast body of their writings across books, articles in newspapers and periodicals, and academic articles offers some clues
Sep 23, 2020 12:56 PM IST Small firms have been struggling for the past five years, RBI analysis shows
Sep 14, 2020 09:46 AM IST One thing which the RBI could have paid more attention to is the tenure of appointment of a CCO. Compliance cultures need longer time periods, especially in the initial years. Ideally, the RBI should have specified the tenure length of any number above five years
Sep 11, 2020 04:27 PM IST Interest waiver and loan moratorium started as an RBI scheme — and not as a government scheme to provide relief to borrowers. Ironically, now the RBI is a mute spectator
Sep 04, 2020 11:44 AM IST A strong banking system is a necessary condition for sustainable and broad-based economic recovery
Aug 31, 2020 11:52 AM IST An AIT approach implies that when inflation is high, policy rates will remain tighter for a longer period of time as well
Aug 27, 2020 01:02 PM IST Now, once the RBI balance sheet expands, the contingency fund will expand as well to protect the balance-sheet. This is like the countercyclical buffer which implies that when the balance sheet is expanding one is also adding to the risk buffers
