Why cross-selling Third Party Products can be costly for banks!
The rationale for cross sell focus in banks is not difficult to understand. It creates win-win for all stake holders- Banks get additional income, Emp [...]
How many Credit Covenants are necessary in a Sanction Letter?
While there are no set parameters on how many credit covenants should be there in a Sanction Letter, one has to keep in mind that ratios tend be inter [...]
Loan Agreements: A contract between unequals!
Bank Loan agreement had been written ages ago. There are innumerable archaic clauses that may be unjustifiably invoked, without assigning any reasons [...]
Promoters in Indian Banks- A quick look at Guidelines, Data and twists!
A quick look at RBI guidelines and some data on Promoter holding in Indian Banks. Rules are rules, but RBI knows there is a need for some pragmatism t [...]
How WFH impacts the Risk Management culture in Banks?
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 pai [...]
Digital Customer Engagement– Trends & Practices 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 un [...]
How much Cash is there in the economy? A Quick look at data from India and World
A quick look at data on Currency in circulation in India and the world. While the Currency in Circulation (CIC) as a % of GDP is a good indicator, it [...]
RBI empowers CRO office: Endeavour to make NBFCs bullet proof!
In a recent circular RBI has made a high decibel statement about the CRO’s independence and has put a lot of onus on the boards of NBFCs. Importantly, [...]
RBI Policy Announcement : 7 April 2021
RBI released the policy stance based on on bimonthly Monetary Policy Committee (MPC) decisions on 7th April, 2021. But beyond the policy rates and liq [...]
Lessons from Archegos Capital : Quick story
Archegos Capital (AC), a New York based family office, was in news recently for its inability to meet margin calls by lenders. Wall Street was jittery [...]