Essays on rational absurdity of banking
How policy priorities, regulatory choices, and institutional trade-offs shape banking outcomes, often in ways that differ from stated intent.
Basel norms are more than a capital adequacy exercise. They define how banks measure risk, what counts as capital, how much liquidity they must hold, and how regulators can impose additional requirements beyond the published minimums. This guide covers the full framework — Basel I through III, the three pillars, India’s specific calibration, and the gaps that Basel III still does not resolve.
The RBI’s monetary policy toolkit is wider than most practitioners realise. The repo rate gets the headlines, but the real work happens across the LAF corridor, the SDF floor, the CRR and SLR requirements, and the structural tools like OMO and forex swaps. This guide maps all of them. Starting from RBI definitions to what each instrument actually does.
The idea to establish an MSME-focused bank in India seeks to address the long-standing credit gap faced by nano, micro, small, and medium enterprises. While the idea has merit, it also presents significant challenges, including operational complexities and potential overlaps. Piyush Singh explains why a dedicated MSME bank is not the right path
Bank Deposits remain relatively safer option for a large section of uninformed depositors due to this regulatory safety net, however, the important question is – Are bank deposits designed to provide value to the depositor? or , Is it just part of a rigged game? Amit Balooni explores.