Where is my ATM: A look at data on India’s ATM network
India has lagged behind the world in increasing ATM network. While the network grew from 1 Lakh ATMs in 2012 to 2.35 Lakhs in 202, it was still low. B [...]
Banking Frauds in India: A look at Data and its revelations
Frauds have been Bank's Achilles heel for time immemorial. FY20 saw a astonishing 160% rise in the reported frauds over previous year. This is despite [...]
Global Central Bank Policy Rates
From - 0.75% (Switzerland) to almost Zero in most of Europe to around 4% in India, Central Banks in most economies remain accommodative. Although infl [...]
Will it remain a lender’s market for long!
Market is rejoicing that credit growth is back. But it was not the doing of the banks. Instead it seems to be lender's market with long wait for credi [...]
Fiscal Deficit and GDP: 10 year India and Global Comparative
As Governments across the world grappled with COVID, the rules of the game had to change. The prudence of balancing incentives to revive GDP vs keepin [...]
Securitisation: Trick or Treat?
After 2008 Global Financial Crisis, Securitisation became the bad boy in the bankers product suite. But its back with a vengeance. Global volumes of n [...]
The Case of Central Bank Digital Currency
There is a good case for Central Bank Digital Currency (CBDC) in today’s world, but at the same time we cannot brush aside concerns on architecture, i [...]
BAD BANK: Is it the Joker in the pack?
GNPA of Indian Banks increased from ₹84K crs in 2010 to ₹8.99 Lakh Crs in 2020. RBI projects 13.5% stressed assets by Sept 2021 vs 7.5% in Sept 2020. [...]