Liquidity assessment using Current Ratio is a powerful tool and a staple for credit risk analysts . But it has its limitations. In this 2 part series, [...]
The rationale for cross sell focus in banks is not difficult to understand. It creates win-win for all stake holders- Banks get additional income, Employees get brownie points, better appraisals and Cu [...]
While there are no set parameters on how many credit covenants should be there in a Sanction Letter, one has to keep in mind that ratios tend be inter-linked. One does not become a better banker by sti [...]
Bank Loan agreement had been written ages ago. There are innumerable archaic clauses that may be unjustifiably invoked, without assigning any reasons under the guise of ‘early warning signals’. This cr [...]
Many in the banking industry have talked about the amazing cost savings that WFH brings. But beyond some savings, there are many costs we may have paid too. Amit Balooni evaluates the impact this may h [...]
Digital or remote Customer Engagement is the way forward. To remain step ahead, banks need to have a better view of digital customer experience and understand how it will evolve in the future. Chirag S [...]
In a recent circular RBI has made a high decibel statement about the CRO’s independence and has put a lot of onus on the boards of NBFCs. Importantly, CRO office cannot be subordinated to any other dep [...]
Greensill Capital, a UK based SCF company, filed for insolvency early this month. The company’s SCF business was ostensibly built on ‘Reverse Factoring’ (RF) arrangement. While media reports and regula [...]
Market is rejoicing that credit growth is back. But it was not the doing of the banks. Instead it seems to be lender's market with long wait for credit approvals and straight jacketed approach followe [...]
There is a good case for Central Bank Digital Currency (CBDC) in today’s world, but at the same time we cannot brush aside concerns on architecture, infrastructure, and rules of access to CBDCs. Debjyo [...]
As we enter the climax, two questions arise – Would there be large scale Covid provision write backs? and, What would happen to asset growth of banks in the absence of ECLGS loans? Sumit Kakkar looks a [...]