Ruminations of an Experienced Learning Banker…..
FINANCIAL SYSTEM LIQUIDITY – A BANKER’S FEAR
In the recent past we have read about: In the absence of any meaningful private sector investment, growth has been heavy lifted by government spending in the last few years mainly to fund infrastructure creation. Young India has also not saved much in traditional instruments, by way of bank deposits, and even here, it has…
The Art of Irrelevance
All Human life is a struggle for being relevant, in a way. When a child is born, he needs to be spanked on his bottom by the doctor to let out a cry or a sharp yelp to make the World aware that he is alive.As the child grows up , whenever he is hungry or seeks…
Fintech Invasion And Future Of Banking Industry In India
Will large banks wither away with the onslaught of the FinTechs/Big Techs? FinTechs have been nibbling away at the share of the banking system in basic banking activities related to payments, investments and now even lending. We have seen PhonePe, Mobiqwik, etc in the payments space take advantage of the favourable regulatory landscape with UPI, and…
Infrastructure – NIP National Infrastructure Pipeline and/or Nationally Important Projects?
We have had the experience of building quite good and substantial Infrastructure over the last few decades across roads, ports, power, airports ,telecom etc. Like all other nations, developed and developing, we have had a setback on account of covid. We have an additional issue, that of providing for our 1.4 Bn people. This requires,…
Fraud, Failure, and Fear
The Indian Banking system has a well laid out procedure for reporting of banking frauds to the Reserve Bank of India. These need to also adhere to stipulated timelines for preliminary and final reporting. The modus operandi for frauds are also circularised to all banks for their precaution. In the last couple of years we…
Atmanirbhar Aviation in India
Cruising comfortably at a healthy clip of 11% CAGR for domestic travel, and expected to grow exponentially in line with the growth of an aspirational middle class, we had forecast to grow our fleet of 650 aircrafts to 1100 by 2027 and 2380 by 2038. We had planned for adding another 100 airports in the…
From Pink Slip to Greener Pastures
It is not unusual to find people carrying their personal belongings in cartons post lunch on Friday afternoons outside various offices in most of the major cities in the USA and other developed countries. They await their cabs to take them home. They have just received their pink slips and lost their jobs. While some…
Development of Underdevelopment
A self reliant India capturing opportunities across the five pillars of economy, Infrastructure, Technology, Demographics, and Demand; recognising simultaneously the need for reforms across Land, Labour, Liquidity, and Laws has been a clarion call given by our Prime Minister – How will we achieve it given our legacy? We have for long been a nation…
The Case for an Alternate Credit Delivery System
Pursuant to the recent publication of the draft guidelines by Reserve Bank of India for sale of loan assets on the 8th of June 2020, I’m sharing thru this blog, a piece written on the same subject and an article jointly authored with Mr Anand Sinha (retd. Deputy Governor RBI) on 30th January 2019 The…
NOT MADE IN CHINA – VOCAL FOR LOCAL IN INDIA!
NOT MADE IN CHINA. This is not a call anywhere, yet. However, members of the pro democratic party in Hongkong peddling merchandise labelled “NOT MADE IN CHINA” have been proceeded against. We have also seen China pushing forward for the implementation of the National Security Act in Hong Kong too. So much for the one country…
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The Indian Banker 