Kembai Srinivasa Rao is Adjunct Professor, Institute of Insurance and Risk Management (IIRM), Hyderabad. He was earlier Director, National Institute of Banking Studies and Corporate Management (NIBSCOM) at Noida. Prior to this, he was Associate Professor (Strategic Management) at the National Institute of Bank Management, Pune as an industry expert. He is a career banker with over three decades of leadership roles in banking operations in India and abroad. He was secretary to the Board of Bank of Baroda and last held the position of General Manager – Strategic Management at the Bank’s corporate office. He has been a part of several internal committees of IIBF/IBA (Indian Institute of Banking & Finance/ Indian Banks' Association). His areas of interest include corporate governance, risk management, risk-based supervision, debt resolution, and strategic management in the banking sector. His academic accomplishments include a Ph.D. in commerce from Banaras Hindu University (BHU), Varanasi, an MBA (finance), and an L.L.B. He teaches and is a regular speaker at national and international academic institutes.
Contributor : Profile
Posts by K. Srinivasa Rao
Evaluating the risks in opening up the banking sector
The RBI (Reserve Bank of India) has accepted some of the key recommendations of the Internal Working Group (IWG) to Review Extant Ownership Guidelines and Corporate Structure for Indian Private Sector...
- K. Srinivasa Rao
- 14 January, 2022
- Perspectives
बैंकों की ऋण-जोखिम प्रबंधन संबंधी नीतियां: एक नया दृष्टिकोण
बैंकों की बढ़ती मजबूती और भारतीय रिजर्व बैंक द्वारा उन्हें प्रदान की गई बहुउद्देशीय तरलता के बावजूद, बैंकों की ऋण वृद्धि में कोई उल्लेखनीय सुधार नहीं हुआ है। इस लेख में, के. श्रीनिवास राव बैंकों की ऋण...
- K. Srinivasa Rao
- 11 नवंबर, 2021
- दृष्टिकोण
Credit risk management policies of banks: A new approach
Despite increasing robustness of banks and multipurpose liquidity provided by the Reserve Bank of India, there is no perceptible improvement in credit growth. K. Srinivasa Rao proposes a new approach ...
- K. Srinivasa Rao
- 22 October, 2021
- Perspectives
Strengthening risk-management capabilities in the financial sector
Non-banking financial companies are rapidly inundating the financial intermediation space. While this trend has enabled greater autonomy in operations and business diversification, it has also accentu...
- K. Srinivasa Rao
- 07 June, 2021
- Perspectives
‘Bad bank’: A good idea in bad times
Commenting on the ‘bad bank’ proposal of the 2021-22 Union Budget, K Srinivasa Rao contends that the bad bank is a good idea in bad times – as a transitory solution with defined timelines – bu...
- K. Srinivasa Rao
- 12 March, 2021
- Perspectives
Covid-19 crisis: How policy can revive lending appetite among banks
Amid the economic crisis triggered by the Covid-19 pandemic, the expected surge in non-performing assets and its potential impact on the fragile capital base of banks, is alarming. In this post, Srini...
- K. Srinivasa Rao
- 09 November, 2020
- Perspectives
Covid-19: Right opportunity to strengthen the Insolvency and Bankruptcy code
The government has recently exempted all Covid-related debts from the definition of default, and stalled the invocation of Insolvency and Bankruptcy Code (IBC), 2016 for one year, to allow ailing ente...
- K. Srinivasa Rao
- 11 June, 2020
- Perspectives
पीएमसी बैंक की असफलता से सबक
पंजाब एंड महाराष्ट्र को-औपरेटिव बैंक (पीएमसीबी) धोखाधड़ी सामने आने के बाद सितंबर में भारतीय रिजर्व बैंक (आरबीआई) ने पीएमसीबी पर प्रतिबंध लगाया था। आरबीआई ने यह कदम अपनी निगरानी और नियामक ढांचे को सुधा...
- K. Srinivasa Rao
- 27 नवंबर, 2019
- दृष्टिकोण
Lessons from the PMC Bank fiasco
In September, Reserve Bank of India (RBI) had to impose restrictions on Punjab and Maharashtra Co-operative Bank (PMCB) as the latter was found to be involved in a mega loan fraud. RBI has taken steps...
- K. Srinivasa Rao
- 06 November, 2019
- Perspectives
Linking lending rates to external benchmark: Challenges and opportunities for banks
The Reserve Bank of India has made it mandatory for banks to link all new floating-rate personal, retail loans, along with loans to micro, small and medium enterprises to an external benchmark-based i...
- K. Srinivasa Rao
- 25 September, 2019
- Perspectives
Amalgamation of public sector banks: The task ahead
The central government has proposed amalgamation of three public sector banks (PSBs), the first stage of which has been completed. This strategic move is touted to be the beginning of transformation o...
- K. Srinivasa Rao
- 26 November, 2018
- Perspectives
Financial inclusion in India: Progress and prospects
Financial inclusion is globally considered as a critical indicator of development and well-being of society. In this post, Srinivasa Rao traces the financial inclusion journey in India so far, and dis...
- K. Srinivasa Rao
- 11 July, 2018
- Perspectives