All stories by Tamal Bandyopadhyay
Bad loan resolution: Is crony capitalism at play?Rediff.com3 days ago
One smells a rat when cases are settled for too small a price offered either by the highest bidder or the promoter -- within and outside the legal ambit of insolvency process, observes Tamal Bandyopadhyay.
Will Govt BAN Cryptos?Rediff.com14 Jul 2021
As lobbying and counter-lobbying intensify, right now, it looks like a T20 match, discovers Tamal Bandyopadhyay.
Will PMC Bank depositors get their money?Rediff.com9 Jul 2021
There will be different ways of returning the money, depending on the profile of the depositors and the amount, predicts Tamal Bandyopadhyay.
Profits: Govt banks ahead of private banksRediff.com24 Jun 2021
Not all public sector banks are back in the black, but their collective net profit for the year is Rs 32,346 crore against a Rs 9,013 crore loss in the previous year, points out Tamal Bandyopadhyay.
Why has SBI's stock risen 127.46%?Rediff.com16 Jun 2021
Why are investors gung-ho about State Bank? asks Tamal Bandyopadhyay.
Banks and ARCs: Time to break the cosy relationshipRediff.com31 May 2021
Banks feel happy shifting their toxic assets from loan books to investment books while the ARCs enjoy the management fees with a smile, observes Tamal Bandyopadhyay.
Who will buy Citi's consumer business?Rediff.com24 May 2021
The sale will be quicker if an Indian private bank buys it; it will take longer for regulatory clearances if a foreign bank or an NBFC buys it, points out Tamal Bandyopadhyay.
SC ruling: Banks could be hit for Rs 100 bnRediff.com14 Apr 2021
How much will the banks' bad assets grow in March? It could be anywhere between Rs 1.2 trillion and Rs 2 trillion, observes Tamal Bandyopadhyay.
Will gold loans lose sheen?Rediff.com5 Apr 2021
While taking gold out of the closet to borrow money is no longer taboo in Indian households, the sharp drop in gold prices is hitting the newest loan product on the banking turf hard, explains Tamal Bandyopadhyay.
When will EC ban loan waiver poll promises?Rediff.com18 Mar 2021
Every political party loves to use the bait of loan waiver to woo the electorate. If their hearts bleed for the poor, they can always use the party funds to pay off the lenders, suggests Tamal Bandyopadhyay.
What is the RBI governor up to?Rediff.com10 Mar 2021
What is killing the risk appetite of the bond buyers is the inconsistency in the central bank's approach. It needs to allow the yield to find its own level, gradually. To ensure that, the RBI may adopt a similar approach with which it handles a slipping rupee, asserts Tamal Bandyopadhyay.
Will PMC Bank find salvation?Rediff.com6 Mar 2021
Mired in corruption, politics and with a history of suicides by its hapless depositors, PMC Bank's revival is a challenge very different from Yes Bank and LVB, both for the regulator and the rescuer, observes Tamal Bandyopadhyay.
Questions to ask about the Bad BankRediff.com3 Mar 2021
Why do we need a bad bank, owned by the banks themselves when there are at least 28 ARCs around, asks Tamal Bandyopadhyay.
Budget has a vaccine for banking's virusRediff.com17 Feb 2021
Of the three major Budget announcements related to the banking sector, privatisation of PSBs is the most audacious, says Tamal Bandyopadhyay.
For banks, the option is to go digital or dieRediff.com16 Feb 2021
Bankers need to take a call on whether they will allow technology firms to run banks or banks themselves will turn into tech firms, says Tamal Bandyopadhyay.
Two cheers for the Budget!Rediff.com10 Feb 2021
While a DFI will help banks derisk their loan portfolios, creation of a bad bank will clean up their balance sheets.
Complacent banks will turn dinosaurs this decadeRediff.com13 Jan 2021
In the new decade, the scene will change because the banks till recently had been challenged by the fintechs, but the techfins have now entered the arena, observes Tamal Bandyopadhyay.
Should we be afraid of corporates entering banking?Rediff.com10 Dec 2020
If indeed the gate opens for big industrial houses, the RBI needs to be smarter than them and demonstrate it through action, not reaction, observes Tamal Bandyopadhyay.
Lakshmi Vilas Bank had dug its own graveRediff.com4 Dec 2020
Its obsession for growth, chasing corporate clients and giving up its original mandate of meeting the needs of local trade and businesses. A quarter of its loan book has gone bad. That's an error of business strategy, points out Tamal Bandyopadhyay.
Covid is driving demand for gold loans from banksRediff.com25 Nov 2020
For the first time, consumers, including those at the so-called bottom of the pyramid, are monetising gold by taking loans from banks, offering the yellow metal as collateral, says Tamal Bandyopadhyay.