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Explainer: Conceptual foundations of cryptocurrencies

In recent times, cryptocurrencies have become a subject of intense deliberations among policymakers, market participants, investors, and other stakeholders. Whether cryptocurrencies will revolutionis...

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The big bank theory

The Indian banking system is saddled with non-performing and stressed assets, which currently constitute about a quarter of all assets. In this post, Maitreesh Ghatak argues that while there are valid...

  • Perspectives

Explainer: India’s payments banks

In August 2015, the RBI issued in-principle licences to 11 entities to establish payments banks in India – a unique format of banking which has not been used anywhere else in the world. Fully based ...

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Explainer: India’s payments banks

In August 2015, the RBI issued in-principle licences to 11 entities to establish payments banks in India – a unique format of banking which has not been used anywhere else in the world. Fully based ...

  • Explainers

New resolution framework for stressed assets: Challenges and opportunities

The Insolvency and Bankruptcy Code (IBC), 2016 aims to expedite resolution of stressed assets, and provide an exit route to failed entities. A simplified, generic framework has been developed by RBI f...

  • Perspectives

The big bank theory

The Indian banking system is saddled with non-performing and stressed assets, which currently constitute about a quarter of all assets. In this post, Maitreesh Ghatak argues that while there are valid...

  • Perspectives

Does your cultural background affect your credit profile?

In many economies – both developed and developing – economic transactions tend to cluster by ethnic or social group. Using data from a large, state-owned bank in India, this article presents evide...

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Public bank privatisation: No panacea for the ills of the banking sector

The recent Punjab National Bank fraud has rekindled the debate on bank privatisation, often considered a solution for the poor management in public sector banks. In this article, Sengupta and Roy cont...

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Where is the cash?

In recent weeks, reports of currency shortages have emerged from several parts of the country. In this post, Nalini Gulati contends that the cash crunch appears to be temporary and is likely to be res...

  • Perspectives

Understanding the recent ordinance amending the Insolvency and Bankruptcy Code

The Insolvency and Bankruptcy Code, 2016 (IBC) is a landmark reform for India. One year after the notification of the law, an Ordinance to amend IBC has been promulgated, which bars several categories...

  • Perspectives

Explainer: Conceptual foundations of cryptocurrencies

In recent times, cryptocurrencies have become a subject of intense deliberations among policymakers, market participants, investors, and other stakeholders. Whether cryptocurrencies will revolutionis...

  • Explainers

Huge bank losses, frauds, and economic risks

Banks have incurred humongous losses in India. The public authorities have taken corrective measures primarily in the form of strengthening laws, audits, and the enforcement processes. In this articl...

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Have policy initiatives in emerging Asian economies improved firms' access to external finance?

Since the 1997-98 Asian financial crisis, policymakers in Asia have initiated a series of reforms aimed at developing and strengthening the regional financial markets. This column provides new evidenc...

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Do exchange listings help ease financial constraints of SMEs?

Small and medium enterprises (SMEs) are viewed as an engine of economic growth and source of job creation. In an attempt to ease their financial constraints, India and some other countries, have exper...

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A vision and action plan for financial sector development and reforms in India

In this article, Agarwal and Prasad present a summary of their new Brookings India report, which takes stock of financial sector development in India, identifies areas of improvement, outlines long-t...

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Most Popular Money & Finance Posts

The big bank theory

The Indian banking system is saddled with non-performing and stressed assets, which currently constitute about a quarter of all assets. In this post, Maitreesh Ghatak argues that while there are valid...

  • Perspectives

Where is the cash?

In recent weeks, reports of currency shortages have emerged from several parts of the country. In this post, Nalini Gulati contends that the cash crunch appears to be temporary and is likely to be res...

  • Perspectives

Does your cultural background affect your credit profile?

In many economies – both developed and developing – economic transactions tend to cluster by ethnic or social group. Using data from a large, state-owned bank in India, this article presents evide...

  • Articles