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Tag Search: “banking”

Lead Bank Scheme: Does organisational design matter?

The Lead Bank Scheme of the RBI involves a ‘lead bank’ in each district of India that coordinates financial services in the district, and a ‘convenor bank’ in each state that monitors these activities...

  • Articles

Achieving the target of complete financial inclusion in India through fintech

A significant number of people in India remain outside the purview of the formal financial system. Use of financial echnologies can help address the gaps in financial inclusion left by the traditional...

  • Perspectives

Effect of conflict on bank lending: Evidence from Indian border areas

Conflict can affect economic outcomes through the decisions of key individuals. This article studies the effect of repeated incidents of shellingacross the India-Pakistan border, on loan officers work...

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Productivity growth in Indian banking: Who gained?

Since the deregulation and privatisation reforms of the early 1990s, Indian banking has witnessed many significant changes. This article finds that the sector experienced steady productivity growth un...

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Covid-19: Right opportunity to strengthen the Insolvency and Bankruptcy code

The government has recently exempted all Covid-related debts from the definition of default, and stalled the invocation of Insolvency and Bankruptcy Code (IBC), 2016 for one year, to allow ailing ente...

  • Perspectives

The Covid-19 shock: Learnings from the past, addressing the present - III

In the previous part of the series, Dr Pronab Sen provided estimates of the economic damage on account of the ongoing crisis, and the expected trajectory of the economy over the next three years. In t...

  • Perspectives

Covid-19: Ashok Kotwal speaks with Pronab Sen

In conversation with Ashok Kotwal on the ongoing economic crisis caused by lockdown to mitigate Covid-19 spread, Pronab Sen breaks down the problem into survival of individuals and livelihoods, and th...

  • Podcasts

Policymaking at a time of high risk-aversion

The key issues in the Indian financial sector in general, and banking in particular, are bearing risk and allocating capital. These are especially important now as India enters into a prolonged phase ...

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Yes Bank: The anatomy of a crisis

The string of frauds and failures unearthed in recent years in the Indian banking sector indicate weaknesses in banking supervision. In this post, Pandey and Priyadarshini argue that the Reserve Bank ...

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How district courts influence firm growth

The Economic Survey 2018-19 highlights that the single biggest constraint to ease of doing business in India is contract enforcement and dispute resolution, and increasing capacity in lower judiciary ...

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Raising coverage under deposit insurance: A soft option

Indian Parliament is expected to legislate on a rise in the amount of insurance for bank deposits from Rs. 100,000 to possibly Rs. 500,000 in its ongoing winter session. In this post, Gurbachan Singh ...

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Lessons from the PMC Bank fiasco

In September, Reserve Bank of India (RBI) had to impose restrictions on Punjab and Maharashtra Co-operative Bank (PMCB) as the latter was found to be involved in a mega loan fraud. RBI has taken steps...

  • Perspectives