Banking after Moratorium: Three key Monitorables
With the moratorium behind us, the attention is now on how the loan portfolios will behave. Sumit Kakkar identifies three crucial things that banks ne [...]
Over reliance on credit rating: How Banks constrain SME Lending
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 st [...]
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 [...]
How measuring the ‘Pivot Factor’ can fill Credit Risk assessment gap post COVID
These are unprecedented times for lenders. Customer cashflows are depleted, loan track can’t be ascertained due to moratorium, making it increasingly [...]
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?
Government has been considering privatising a few Public Sector Banks. But is privatisation the solution? Vimee Shharma evaluates from historical pers [...]
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 [...]
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 [...]
Breaking the Agri Barriers
The Farmers Produce Trade and Commerce Ordinance, 2020, is a key ecosystem change and opens up opportunities within Indian agri and lays the ground fo [...]
“Emergency Credit Guarantee” for MSME – Decoding the fine print
Emergency Credit Guarantee for MSME has been unveiled. GOI seems to have pleasantly surprised the banks. There are minimal ambiguities in the eligibil [...]