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 creates a trust deficit. Sumit Kakkar recommends the need to relook at these.
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 have on the risk management culture in banks
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 Shah shares the trends and best practices
‘What is an SME?’ has no all-encompassing answer. Any standardised approach to building SME Lending strategy is therefore fraught with risks. We deep dive into two important factors that can be guiding lights- variance in SME definitions and the role legal ecosystem plays. Amit Balooni shares the pointers
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 differentiate the tactical and limited ‘Digitise’ mindset from a more strategic and expansive ‘Digitalise’ Thinking. Amit Balooni shares his perspective
Critical Thinking concepts can help build a robust credit risk culture that relies on logic and objectivity and minimises biases. Amit Balooni shares his perspective on how common fallacies may lead to selective data being used for credit decisioning
From knee jerk reactions to nudge of regulators through MSME guarantee scheme to TLTRO to capital raise, Banks have gone through the COVID learning curve. Time to start a balanced risk taking approach? Sumit Kakkar assesses the current state
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 to the high ROAs than meets the eye. Sumit Kakkar deciphers the enigma
While prompt Regulatory actions have tried to address liquidity and other issues of borrowers, there is heavy reliance on Banks to deliver. However, the borrowers and banks together are awaiting reforms. In the COVID Diaries Part 3, Sumit Kakkar evaluates if banks can do heavy lifting
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, Sumit Kakkar evaluates how Regulatory announcements and opportunities presented by the bond market distortions have kept the counters of banks, hedge funds and fixed income players busy.
