Category: Banking Stategy
Two sides of digital transformation in Banks: ‘Digitise’ vs ‘Digitalise’:
When it comes to success in Being Digital, the difference is in the approach a Bank takes. Simply converting a paper to online form wont do. We differ [...]
Critical Thinking in Credit Risk: Avoid these Fallacies
Critical Thinking concepts can help build a robust credit risk culture that relies on logic and objectivity and minimises biases. Amit Balooni shares [...]
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
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 [...]
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 [...]
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, Sumi [...]
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. Ba [...]
Distribution- Do we need a Relationship Manager? (SME Lending Models 5)
Some crossroads our
clients encounter while setting up distribution/origination models:
Do we set up a new SME vertical or leverage Branch res [...]
Is Loan a Product? (SME Lending Models 4)
Lending business can
be summed up in two sentences: I (customer) need money. You (Bank) give money
and charge interest.
But lending isn’t [...]
PSD2 in Europe: Learnings for India’s payment story
Payment Services Directives (PSD) in Europe aim to strengthen payment system and reduce the entry barriers for Fintechs. This approach has lessons for [...]