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: Economy
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”
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,Continue reading “Infrastructure – NIP National Infrastructure Pipeline and/or Nationally Important Projects?”
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 nationContinue reading “Development of Underdevelopment”
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”
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 countryContinue reading “NOT MADE IN CHINA – VOCAL FOR LOCAL IN INDIA!”
The Long Haul
The country has, and rightly so, chosen public health over economic health. While the fatality rate is expected to be around 2%, the value of even a single human life would more than offset the economic setback that we would suffer. Steps have been taken by the government to ensure public health and as weContinue reading “The Long Haul”
