Author: Sumit Kakkar

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Without Regulatory blessings, Q4-2021 to be litmus test for Banks

Without Regulatory blessings, Q4-2021 to be litmus test for Banks

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 [...]
Credit Evaluation: How much information is Enough?

Credit Evaluation: How much information is Enough?

How much information is enough for credit evaluation? For a streamlined process a delicate balance needs to be maintained between timeliness and need [...]
SME Financing – Opportunity for Alternate Channels

SME Financing – Opportunity for Alternate Channels

MSMEs seem to be showing the expected resilience and regaining market's interest. Sumit Kakkar explains some of the constraints faced by MSMEs and how [...]
Credit Sense – Approach and Perspectives

Credit Sense – Approach and Perspectives

Risk officers and Relationship managers are always at each other’s throats owning to difference in their perspective, often missing out what lies beyo [...]
Banking after Moratorium: Three key Monitorables

Banking after Moratorium: Three key Monitorables

With the moratorium behind us, the attention is now on how the loan portfolios will behave. Sumit Kakkar identifies three crucial things that banks ne [...]
Over reliance on credit rating: How Banks constrain SME Lending

Over reliance on credit rating: How Banks constrain SME Lending

Banks are flush with liquidity, but still grappling with twin issues – where to deploy the money and how to source the right credit which meets the st [...]
Way Forward for Banks: Conservatism, Capital and Risk taking

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 cu [...]
Deciphering the Bank ROA enigma

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 t [...]
“Emergency Credit Guarantee” for MSME – Decoding the fine print

“Emergency Credit Guarantee” for MSME – 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 eligibil [...]
Banks being viewed as a panacea for all ills?

Banks being viewed as a panacea for all ills?

While prompt Regulatory actions have tried to address liquidity and other issues of borrowers, there is heavy reliance on Banks to deliver. However, t [...]
1 2 10 / 12 POSTS