Tag: Banking
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 [...]
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 [...]
Without Regulatory blessings, Q4-2021 to be litmus test for Banks
As we enter the climax, two questions arise – Would there be large scale Covid provision write backs? and, What would happen to asset growth of banks [...]
Payments Transformation in India : The Last Decade
From the snail days of Outstation, Local and high-value cheque clearing, Payment systems in India have under gone a metamorphosis. We now have world’s [...]
Navigating SME Lending Strategy: Two key pointers
‘What is an SME?’ has no all-encompassing answer. Any standardised approach to building SME Lending strategy is therefore fraught with risks. We deep [...]
FrankBanker Best of 2020
Quick view and link to most trending content of FrankBanker [...]
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 [...]