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 [...]
Can Credit Scoring replace Judgemental Lending?
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 ri [...]
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 [...]
Is Technology the panacea? (SME Lending Models 3)
Technology has benefits. It can improve TAT, data access, accountability, reduce operational risk & build competitive advantage. Full workflow [...]
Financial Analysis is not Credit Risk Assessment (SME Lending Models 2)
Financial analysis is the most exciting part for many bankers. Evaluation of ratio trendlines, NWC availability or future cash flows is logical & [...]
What Banking is Not 1: The Product Mindset
The 'Product Mindset' in Banking has created artificial limitations on customising banking services leading to loss on trust on Banks. Instead Banking [...]
Gold at the Bottom of the Pyramid
“A box without hinges, key or lid, yet golden treasure inside is hid.” – JRR Tolkein
Following the wrong trail
The story of ‘Fortune at Bottom o [...]