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COVID Impact on Microfinance Institutions

How are MFIs dealing with COVID?

Watch Amit Balooni in conversation with Micro Finance expert Venkatesh N, Founder and MD Samasta Microfinance (an IIFL group co), exploring the nuances of impact and response of MFIs

01:35 Comparing COVID impact with Demonetisation 05:27 Changes in the ‘high touch’ Operating Model of MFIs 08:32 Will COVID change the model’s operating cost structure? 11:02 Impact in different regions 12:26 Impact of Reverse Migration to rural areas 15:10 Workplace and team management changes 19:07 Employment and Job losses 20:45 Liquidity management – access to Private Equity and Debt 24:15 Portfolio Stress and Industry consolidation 29:18 Are MFIs still aspiring to be Banks?

Data Analytics in Banking

The changing landscape

Watch Amit Balooni in conversation with data analytics expert Roopam Upadhyay, Founder ucanalytics.com, evaluate the impact of COVID and other changes for Banking industry in the area of Data Analytics, Credit modelling and Behavioural scoring

02:01 (Part 1) Impact on variables in Credit Models 05:33 (Part 2) Are we going back to Judgemental Lending? 07:50 (Part 3) Evaluating analytics readiness of Banks 12:20 (Part 4) Is ‘IT’ the right place for Data Analytics? 14:15 (Part 5) Changes in the Credit Scoring methodologies 20:47 (Part 6) Using data for Behavioural Analysis 28:58 (Part 7) Banks need to be ready!

Way forward for Banks:

Conservatism, Capital and Risk taking

From knee jerk reactions to nudge of regulators through MSME guarantee scheme to TLTRO to capital raise, Banks have gone through the COVID learning curve. Time to start a balanced risk taking approach? Sumit Kakkar assess the current state

Credit Risk Assessment in times of Corona

The ‘Pivot’ mantra

These are unprecedented times for lenders. Customer cashflows are depleted, loan track can’t be ascertained due to moratorium, making it increasingly difficult to decipher customer’s intentions.

How, then, does a lender evaluate a customer? Amit Balooni shares some pointers

Deciphering the Bank ROA enigma

ROA, PCR and NIM are first point of call for the investors to assess the profitability, efficiency and premium on Bank valuations. But there is more to the high ROAs than meets the eye.

Sumit Kakkar deciphers the enigma

Digital Lending

The missing piece of puzzle

The recent RBI notification, seems to be nudging Digital Lenders to be more transparent. But a pertinent question to ask may be ‘Who are these digital lenders that RBI wants to regulate?’ Amit Balooni evaluates the missing pieces

Post COVID Collections Strategy

Do Banks still need Collection Agencies?

With long moratorium, likely dispensation on restructuring and availability of internal manpower, including Sales teams, for Collections, do the lenders still need external Collection Agencies and to what extent?

Collections expert and Founder Collekto, Bipul C Naithani , explains how changed dynamics will impact the Collection Agency models.

Decriminalisation of Cheque Bounces

Pros and Cons

In order to improve ease of doing business in India, Ministry of Finance issued a notification inviting suggestions on decriminalisation of around 39 sections which contain minor offences under 19 different Acts, including decriminalising Cheque bounces under NI Act

Vimee Sharma evaluates the pros and cons

Is Bank Privatisation the right solution?

Government has been considering privatising a few Public Sector Banks. But is privatisation the solution?

Vimee Shharma evaluates from historical perspective

9 ways Covid will transform Banking

COVID-19 has brought in new challenges for Banks. Banks will need to recalibrate their Strategic Focus & Work Culture. This is your quick guide to understand the key transformations in Banking

FRANK PERSPECTIVES

Covid Impact on Banks’ HR Practices

Watch Amit Balooni in conversation with HR veterans Chandru Pingali , Founder and MD, Icube Consortium Pte Ltd, Singapore and Pallab Mukherji , Chief People Officer, Equitas Small Finance Bankassessing impact of COVID on HR practices in the Banking sector

01:31 (Part 1) Impact on Workplace, Culture and Team Management ||11:46 (Part 2) What new Competencies will the Banks need? || 16:21 (Part 3) Learning and Development changes || 20:19 (Part 4) Recruitment and HR Ops || 22:37 (Part 5) Job Cuts and Opportunities

Post-COVID Opportunities in Agri Perishables Supply chain

In this extract from Episode 6 watch Amit Balooni in conversation with Michael Andrade, Founder and CEO Samaaru and ex- Agri Banking Head, HDFC Bank, evaluate the opportunities in ‘Perishables’ supply chain . Of course, its not without challenges

Covid Impact on Collection Strategies

In Episode 5, Collections expert and Founder Collekto, Bipul C Naithani , discusses the impact on various aspects of Collections strategies.

00:00:51 (Part 1) Overall Impact and Lender’s response|| 00:04:42 (Part 2) Impact of Moratorium|| 00:08:13 (Part 3) Migration and Skip Rates|| 00:11:30 (Part 4) Key Transformations- Sales doing Collections|| 00:22:27 (Part 5) Impact on Collection Agencies|| 00:27:35 (Part 6) Technology Intervention in Collections

Latest Articles

Breaking the Agri Barriers

The Farmers Produce Trade and Commerce Ordinance, 2020, is a key ecosystem change and opens up opportunities within Indian agri and lays the ground for new age agri-startups.

Amit Balooni evaluates

Emergency Credit Guarantee for MSMEs: Decoding the fine print

Emergency Credit Guarantee for MSME has been unveiled. GOI seems to have pleasantly surprised the banks. There are minimal ambiguities in the eligibility, end use, risk weights and limit assessment. However, the devil lies in the invocation process. Sumit Kakkar evaluates the fine print

Episode 4

COVID Impact: Banking in Europe and Middle East

In this global roundup episode,we discuss with veteran CEOs Alexander Picker, from Austria and Bikram Rishi from Muscat, evaluate COVID Impact in Europe and Middle East and pick up lessons for India.

Episode 3

Post Covid Communication Strategies for Bankers

In this extract from Episode 3, see Amit Balooni, Founder FrankBanker and Pritha Dubey, Leadership Coach and Founder, Success Vitamin, discuss the changes in Communication Strategies a banker will need to adopt

Episode 2

COVID Impact on MSMEs

In Episode 2 series Part 4, we discusses with industry veterans Vasant Srivastava and Arijit Chanda the opportunities this turmoil may throw up for MSMEs

Episode 1

Post COVID Banking: Challenges in Lending

In Episode 1, Part 2, Amit Balooni, Founder FrankBanker, discusses with V eteranBanker and Consulant, Arijit Chanda impact of COVID on different borrower segements

Banks Vs Fintechs

I feel guilty. Despite having spent most of my worklifewith banks,I still can’t defend them.It isn’t easy to shield an intermediary.

Opportunities presented by Debt Market Distortions

With entire mankind confined to their homes, what has the kept banks and debt markets ticking in April & May, 2020?

In COVID Diaries chapter 2, Sumit Kakkar writes how Regulatory announcements and opportunities presented by the bond market distortions have kept the counters of banks, hedge funds and fixed income players busy

How Artificial Intelligence will transform Banking

The scenario in 2030 may seem like fiction but the speed at which Artificial Intelligence (AI)is evolving, this may be a very simple use case.

Banks: Evolving Asset Strategies

Banks need to look at ingenuous ways of growing AUMs – draw up enabling credit lines for cash flow mismatches for existing low leveraged customers. Banks would be less adventurous with new connections, where visibility of corona impact would be limited. Asset strategies would evolve with time.

Sumit Kakkar evaluates the evolving asset strategies for banks

Can Credit Scoring replace Judgemental Lending?

(SME Lending Models series Part 6)

Get data, feed in the system, create a multi variable algorithm and loan is approved! While this may work in stable, digitally savvy (data-rich) environments, it is not a solution for everyone or for every situation

Distribution Strategies: Do we need a Relationship Manager?

(SME Lending Models series Part 5)

Some crossroads our clients encounter while setting up distribution/origination models:

Do we set up a new SME vertical or leverage Branch resources? Is third party agents a good idea? Should we segregate the Sales and Relationship functions?

The answers lie hidden deep within the organisation’s current state and long-term view.

Financial Analysis is not Credit Risk Assessment

(SME Lending Models series Part 2)

Financial analysis is the most exciting part for many bankers. Evaluation of ratio trendlines, NWC availability or future cash flows is logical & fun way to credit decisioning. Possibly the next best thing to being an oracle! Who can counter argue when nos. show the future? But….

Is Technology the panacea?

(SME Lending Models series Part 3)

Technology has benefits. It can improve TAT, data access, accountability, reduce operational risk & build competitive advantage. Full workflow digitisation suite- Tabs +CRM+LOS+CBS integration+ LMS+DMS, seems impressive. “Let’s get it automated”

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