Featured Essay
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Liquid on Paper- Why the Current Ratio Answers the Wrong Question
5 minutesLiquidity is one of the simplest ideas in lending until one tries to measure it properly. Bankers reach quickly for the current ratio because it is neat, familiar, and easy to defend. If current assets sit comfortably higher than current liabilities, the borrower appears liquid. The interpretation is somewhat problematic…
AMIT’S LATEST
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Musings of a Banker on Macro Economic variables and few other things
12 minutesThis guide provides important perspectives on various macroeconomic variables like GDP, Inflation, Taxation. It provides a framework to help evaluate the importance and impact of…
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A Comprehensive Guide to Basel Norms
16 minutesIn this comprehensive guide, we explore the Basel norms (1, 2 and 3) in detail, simplifying key concepts to provide a clear understanding of how…
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The Complete Guide to RBI’s Monetary Policy Instruments
9 minutesReserve Bank of India (RBI) and other central banks employ a range of monetary policy instruments to manage liquidity, control inflation, and promote economic growth.…
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Truth of Bank Deposits: Safe Bet, Rigged Game, or a Systemic Play?
5 minutesBank Deposits remain relatively safer option for a large section of uninformed depositors due to this regulatory safety net, however, the important question is –…
Topics
Lending Logic
How lenders assess borrowers, deal with uncertainty, and make credit decisions under imperfect information.
Policy Logic
How policy priorities, regulatory choices, and institutional trade-offs shape banking outcomes.
Banking Technology
How technology, data, and digital infrastructure are reshaping banking, from internal systems to ecosystem-wide rails.
About FrankBanker
Financial institutions follow perfect logic to the wrong destination. Amit Balooni has spent 25 years watching this happen — inside banks as a practitioner, outside as an advisor, and beneath the technology layer as a builder. Through FrankBanker, he writes about why, why not, and occasionally how. Sometimes, friends of FrankBanker join the debate as guest contributors. He is Founder & CEO of Hyperfin Technologies.