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Is Forbearance the Original Sin?

Chapter 7 of Economic Survey dealing with the banking crisis strongly emphasizes that the continuation of the policy of ...

Indian Economy

Article

Random Reflections- Demonetisation – The cruel joke on the People

After demonetisation on November 8, 2016, seeing the anger of the people, on Nov 13 PM Modi in an emotionally choked sp...

Indian Economy Random Reflections

Article

Random Reflections— Narasimham Committee to Kamath Committee- Restructuring Loans or Restructuring of Banks?

From the day banking started, bankers always had a plan for handing loans going bad. Banking says giving loans has a cr...

Indian Economy Random Reflections

Article

Snippets from the world of Indian economy and banking

State-owned banks need Rs 2 trillion in capital over next two years: Moody’s Public sector banks (PSBs), which...

Indian Economy National Financial Institutions

Article

Random Reflections- Solutions for the Banking Sector

“Call the dog mad and shoot it” was the old slogan. The present slogan is, “poison the dog, make it look like mad and s...

Indian Economy Random Reflections

Article

Random Reflections- Privatisation of Financial Sector – A road to ruin

Almost all financial newspapers have informed that 3-5 banks and 3 general insurance companies are going to be privatiz...

Indian Economy Random Reflections

Article

Random Reflections: 51 Years of Bank Nationalisation – Was it a sin? A vision? A missed opportunity? & What’s today’s position?

Nationalisation of the banks which had deposits above Rs.50 Crores, covering almost 85% of the total deposits on 19th J...

Indian Economy Random Reflections

Article

Updates from IMF: Forecast for Post-COVID Economy and Debt Levels

The International Monetary Fund (IMF) released two updates in the month of June – first was the World Economic O...

International Finance International Finance Corporation International Finance Institutions

Article

Random Reflections- Are the Public Banks Already Private?

Institutions do not become public only because of ownership by the state. They should serve the people at large who are...

Indian Economy Random Reflections

Article

Concept Note titled Public Money: Resistance Against Arbitrary Bank Charges

Banks act as financial intermediaries between depositors and borrowers. It is the public money, deposited in the form o...

Bank Charges National Financial Institutions

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June 7, 2021

Priya Dharshini

Is Forbearance the Original Sin?

Chapter 7 of Economic Survey dealing with the banking crisis strongly emphasizes that the continuation of the policy of forbearance followed in the wake of Global Financial Crisis (GFC) even after 2011 was the primary reason for the banking sector crisis. The survey argues “the forbearance continued...

Indian Economy

Article

November 11, 2020

Thomas Franco

Random Reflections- Demonetisation – The cruel joke on the People

After demonetisation on November 8, 2016, seeing the anger of the people, on Nov 13 PM Modi in an emotionally choked speech in Goa said “I have asked the country for just 50 days. If after December 30, there are short comings in my work or there are mistakes or a bad intention found in my work, I w...

Indian Economy Random Reflections

Article

September 28, 2020

Thomas Franco

Random Reflections— Narasimham Committee to Kamath Committee- Restructuring Loans or Restructuring of Banks?

From the day banking started, bankers always had a plan for handing loans going bad. Banking says giving loans has a credit risk due to various reasons. Banks become a partner to the borrower when they provide loans and when the units are not doing well, they collaborate to find out reasons and sug...

Indian Economy Random Reflections

Article

August 22, 2020

CFA Admin

Snippets from the world of Indian economy and banking

State-owned banks need Rs 2 trillion in capital over next two years: Moody’s Public sector banks (PSBs), which have already had weak capital buffers, will need at least $25 billion in funding from external sources as the economic slowdown will hurt asset quality and drive up credit costs, ...

Indian Economy National Financial Institutions

Article

July 30, 2020

Thomas Franco

Random Reflections- Solutions for the Banking Sector

“Call the dog mad and shoot it” was the old slogan. The present slogan is, “poison the dog, make it look like mad and shoot it”. The governments have done exactly the same with public sector banks and they want them to be handed over to corporates – local and international. Arguments made are...

Indian Economy Random Reflections

Article

July 22, 2020

Thomas Franco

Random Reflections- Privatisation of Financial Sector – A road to ruin

Almost all financial newspapers have informed that 3-5 banks and 3 general insurance companies are going to be privatized. They have indicated that Bank of India, Indian Overseas Bank, UCO Bank, Punjab and Sind Bank and Bank of Maharashtra are being considered for privatisation. We will be left wit...

Indian Economy Random Reflections

Article

July 16, 2020

Thomas Franco

Random Reflections: 51 Years of Bank Nationalisation – Was it a sin? A vision? A missed opportunity? & What’s today’s position?

Nationalisation of the banks which had deposits above Rs.50 Crores, covering almost 85% of the total deposits on 19th July 1969 was historic, dramatic and welcomed by majority of the people. Some described it a sin, Jan Sangh, the earlier Avatar of BJP opposed it. Some went to court but the banking...

Indian Economy Random Reflections

Article

July 15, 2020

Maju Varghese

Updates from IMF: Forecast for Post-COVID Economy and Debt Levels

The International Monetary Fund (IMF) released two updates in the month of June – first was the World Economic Outlook, titled A Crisis Like No Other, An Uncertain Recovery and another was the Financial Stability Report. These reports and updates are some of the most watched reports by e...

International Finance International Finance Corporation International Finance Institutions

Article

July 2, 2020

Thomas Franco

Random Reflections- Are the Public Banks Already Private?

Institutions do not become public only because of ownership by the state. They should serve the people at large who are the real owners. While nationalising banks, the purpose was not to earn profit but to serve the large masses. The banking shifted from class banking to mass banking. Slowly after ...

Indian Economy Random Reflections

Article

June 27, 2020

CFA Admin

Concept Note titled Public Money: Resistance Against Arbitrary Bank Charges

Banks act as financial intermediaries between depositors and borrowers. It is the public money, deposited in the form of term deposit (fixed deposits) and time deposit (saving accounts) which banks use for lending to borrowers. Since, public money is important for the banking sector as a whole, ban...

Bank Charges National Financial Institutions

Article

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RBI

Is Forbearance the Original Sin?

Random Reflections- Demonetisation – The cruel joke on the People

Random Reflections— Narasimham Committee to Kamath Committee- Restructuring Loans or Restructuring of Banks?

Snippets from the world of Indian economy and banking

Random Reflections- Solutions for the Banking Sector

Random Reflections- Privatisation of Financial Sector – A road to ruin

Random Reflections: 51 Years of Bank Nationalisation – Was it a sin? A vision? A missed opportunity? & What’s today’s position?

Updates from IMF: Forecast for Post-COVID Economy and Debt Levels

Random Reflections- Are the Public Banks Already Private?

Concept Note titled Public Money: Resistance Against Arbitrary Bank Charges

Is Forbearance the Original Sin?

Random Reflections- Demonetisation – The cruel joke on the People

Random Reflections— Narasimham Committee to Kamath Committee- Restructuring Loans or Restructuring of Banks?

Snippets from the world of Indian economy and banking

Random Reflections- Solutions for the Banking Sector

Random Reflections- Privatisation of Financial Sector – A road to ruin

Random Reflections: 51 Years of Bank Nationalisation – Was it a sin? A vision? A missed opportunity? & What’s today’s position?

Updates from IMF: Forecast for Post-COVID Economy and Debt Levels

Random Reflections- Are the Public Banks Already Private?

Concept Note titled Public Money: Resistance Against Arbitrary Bank Charges