Tag Search: “banking”
Thinking about financial sector reforms in India
A key element of the economy that needs to function well in order to facilitate India’s strong and sustained recovery from the pandemic is the financial system. In this post, Sengupta and Vardhan dis...
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Rajeswari Sengupta
Harsh Vardhan
15 November, 2021
- Perspectives
Credit risk management policies of banks: A new approach
Despite increasing robustness of banks and multipurpose liquidity provided by the Reserve Bank of India, there is no perceptible improvement in credit growth. K. Srinivasa Rao proposes a new approach ...
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K. Srinivasa Rao
22 October, 2021
- Perspectives
Impact of information disclosure on consumer behaviour: The case of high-risk bonds
In April 2021, Yes Bank was fined by India’s market regulator for inadequate information disclosure – high-risk bonds were mis-sold to high net-worth investors without accurately informing them about ...
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Niyati Agrawal
Monami Dasgupta
Monika Halan
Misha Sharma
Madhu Srinivas
09 August, 2021
- Articles
‘Consumerisation’ of banking in India: Cyclical or structural?
Over the past decade, India’s banking sector has undergone a transformation in terms of the proportion of credit extended to consumers and industry – with consumer credit now accounting for a larger s...
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Rajeswari Sengupta
Harsh Vardhan
23 July, 2021
- Perspectives
How open is India's capital account?
Although India began opening up its capital account in the mid-1990s, the approach towards financial liberalisation has been cautious. Tracing changes in the de-facto openness of the country’s capita...
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Nidhi Aggarwal
Sanchit Arora
Rajeswari Sengupta
16 July, 2021
- Perspectives
A decade of credit collapse in India
The government and the Central Bank have undertaken various measures to protect the banking and finance sector from the adverse impact of the Covid-19 crisis. However, despite historically low interes...
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Harsh Vardhan
25 June, 2021
- Perspectives
Strengthening risk-management capabilities in the financial sector
Non-banking financial companies are rapidly inundating the financial intermediation space. While this trend has enabled greater autonomy in operations and business diversification, it has also accentu...
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K. Srinivasa Rao
07 June, 2021
- Perspectives
From abundant global liquidity to selective lending: How corporate finance has changed
Global credit has experienced significant changes in the last two decades. Analysing data on 1,160 Indian firms for the 2000-2017 period, this article shows that in the period following the global fin...
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Chiara Banti
Udichibarna Bose
30 April, 2021
- Articles
Are moneylenders financial intermediaries?
A majority of borrowing in rural households in developing countries is from informal lenders. This article examines the relationship between these informal lenders and banks in rural India, from the e...
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Vaishnavi Surendra
24 March, 2021
- Articles
‘Bad bank’: A good idea in bad times
Commenting on the ‘bad bank’ proposal of the 2021-22 Union Budget, K Srinivasa Rao contends that the bad bank is a good idea in bad times – as a transitory solution with defined timelines – but it can...
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K. Srinivasa Rao
12 March, 2021
- Perspectives
Of twists and turns: Monetary policy and ‘term premium’
As India’s economic growth slowed down in recent years, the reliance on monetary policy to stimulate growth increased significantly – especially during the pandemic. Analysing data from 2018-2020, Raj...
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Rajeswari Sengupta
Harsh Vardhan
03 March, 2021
- Perspectives
Budget 2021-22: Case for a ‘bad bank’
A key announcement in the 2021-22 Union Budget is the formation of a ‘bad bank’, to better manage the problem of non-performing assets in the financial services ecosystem. In this post, Ananth Naraya...
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Ananth Narayan
22 February, 2021
- Perspectives