In the recent past we have read about: Credit growth has been faster than deposit growth for the banks in India leading to negative gaps of almost 700 bp over the last two years The CASA ratios of most banks have dipped for most banks QOQ and YOY RBI is concerned about the growth inContinue reading “FINANCIAL SYSTEM LIQUIDITY – A BANKER’S FEAR”
Tag Archives: Banking
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, andContinue reading “Fintech Invasion And Future Of Banking Industry In India”
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 TheContinue reading “The Case for an Alternate Credit Delivery System”
Fear in these uncertain time and expectations from RBI
Uncertainty and fear go together. What is certain now, progressively, is that the World is getting into a recession. What is also certain, is that this uncertainty will continue till a vaccine is available. While 170 Pharma companies/labs are actively pursuing this, almost in a race with each other, there is a great expectation thatContinue reading “Fear in these uncertain time and expectations from RBI”
