Credit risk

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    Cooperative Banks: A Sector Waiting for Its Technology Moment

    Amit Balooni

    Cooperative banks sit at a strange crossroads: deeply trusted by the communities they serve, yet held back by technology stacks never really designed for them. CBS may have brought basic digitisation, but lending workflows, member intelligence, risk monitoring and compliance still run on improvisation, Excel sheets and vendor workarounds. As RBI raises the bar on governance and supervision, the sector needs more than another software patch. It needs a technology architecture built around cooperative realities: configurable, modular, affordable and capable of turning grassroots trust into modern banking capability.

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    Basel Norms: A Banker’s Guide

    FrankBanker Research

    Basel norms are more than a capital adequacy exercise. They define how banks measure risk, what counts as capital, how much liquidity they must hold, and how regulators can impose additional requirements beyond the published minimums. This guide covers the full framework — Basel I through III, the three pillars, India’s specific calibration, and the gaps that Basel III still does not resolve.

  • Credit Risk Blindspots: Hidden Biases in Lending

    Amit Balooni

    Bias is an inherent human tendency, and recognising and minimising it requires deliberate effort. No matter how advanced the financial models or how experienced the analysts, Credit Risk decisions are inevitably influenced by personal experiences and context. The challenge lies in identifying when this reliance on past-experience crosses the line into bias.