In case you missed the long journey of 2020 with us, here is your quick view and link to most trending content of FrankBanker
1. Credit Sense – Approach and Perspectives (Article)
Risk officers and Relationship managers are always at each other’s throats owning to difference in their perspective, often missing out what lies beyond the optics. Sumit Kakkar draws from his experience to share some key things that both should look at.
2. Covid Impact on Collection Strategies (Video)
Collections expert and Founder Collekto, Bipul C Naithani , explains the impact on various aspects of Collections strategies.
3. Critical Thinking in Credit Risk: Avoid these Fallacies (Article)
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
4. Over reliance on credit rating: How Banks constrain SME Lending (Article)
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 stringent criterion. Is the straight jacket approach of the bankers and high reliance on credit rating constraining SME lending? Sumit Kakkar shares his perspective
5. Decriminalisation of Cheque Bounces : Pros and Cons (Article)
In order to improve ease of doing business in India, Ministry of Finance issued a notification inviting suggestions on decriminalisation of around 39 sections which contain minor offences under 19 different Acts, including decriminalising Cheque bounces under NI Act . Vimee Shharma evaluates the pros and cons
6. Covid Impact on Agriculture and Agri-Lending (Video)
We discuss with Michael Andrade, Founder and CEO Samaaru and ex- Agri Banking Head, HDFC Bank, assessing the impact of COVID, Government policy announcements and Opportunities.
7. Data Analytics in Banking: The changing landscape (Video)
Data analytics expert Roopam Upadhyay, Founder ucanalytics.com, explains the impact of COVID and other changes for Banking industry in the area of Data Analytics, Credit modelling and Behavioural scoring
8. Can Credit Scoring replace Judgemental Lending? (Article)
With all the excitement in the last decade about data and credit scoring, there are some areas that may still need the human skill tom judge credit risk. Amit Balooni explains the criteria for retaining judgement in lending.
9. Helicopter Money as a Monetary Policy tool : Benefit and Risks (Article)
Helicopter Money is a monetary policy concept proposed by economist Milton Freidman to overcome the liquidity and rate transmission challenges. However like everything else in policy making, there are no free lunches. Himanshu Mehra explains the concept and its risks.
10. RBI IWG Report: Assumptions As Tenuous As Recommendations? (Article)
The recent report by Internal Working Group (IWG) of RBI has made recommendations that run contrary to the practice followed in internationally, especially the recommendation to would allow industrial groups to own banks. Predictably, the report has been controversial. However, lost in the noise is a set of implicit assumptions that the IWG seems to have made, that further weaken its contentions. Nishikant Das assesses these assumptions.
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