Category: Banking Regulation

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The Case of Central Bank Digital Currency

The Case of Central Bank Digital Currency

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, i [...]
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 [...]
Budget 2021: The return of Keynesian Economics

Budget 2021: The return of Keynesian Economics

There is no doubt that this is an expansionary budget, cheered by the markets and the industry. However, the onus is squarely on the execution of proj [...]
How are ‘Global Systemically Important Banks’ (G-SIB) monitored under BASEL

How are ‘Global Systemically Important Banks’ (G-SIB) monitored under BASEL

Failure of a Systemically Important Bank amplifies the impact on world economy for two reasons. Firstly, banking services in many countries rely heavi [...]
Helicopter Money as a Monetary Policy tool : Benefit and Risks

Helicopter Money as a Monetary Policy tool : Benefit and Risks

Helicopter Money is a monetary policy concept proposed by economist Milton Freidman to overcome the liquidity and rate transmission challenges. Howeve [...]
RBI IWG Report: Assumptions As Tenuous As Recommendations?

RBI IWG Report: Assumptions As Tenuous As Recommendations?

The recent report by Internal Working Group (IWG) of RBI has made recommendations that run contrary to the practice followed in internationally, espe [...]
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 [...]
Decriminalisation of Cheque Bounces : Pros and Cons

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 [...]
Is Bank Privatisation the right solution?

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 pers [...]
Digital Lending: The missing piece of puzzle

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 [...]
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