Tag Search: “banking”
Of twists and turns: Monetary policy and ‘term premium’
As India’s economic growth slowed down in recent years, the reliance on monetary policy to stimulate growth increased significantly – especially during the pandemic. Analysing data from 2018-2020, Raj...
- Rajeswari Sengupta Harsh Vardhan
- 03 March, 2021
- Perspectives
Budget 2021-22: Case for a ‘bad bank’
A key announcement in the 2021-22 Union Budget is the formation of a ‘bad bank’, to better manage the problem of non-performing assets in the financial services ecosystem. In this post, Ananth Naraya...
- Ananth Narayan
- 22 February, 2021
- Perspectives
Inflation targeting and capital flows
Current law in India mandates a review of the target inflation rate by 31 March 2021 for a five-year period. Several critics have called for abandoning the flexible inflation targeting regime altogeth...
- Gurbachan Singh
- 06 January, 2021
- Perspectives
Covid-19 crisis: Response should not undermine institutions
The unprecedented economic crisis triggered by the Covid-19 pandemic has resulted in calls for drastic actions on part of the government and RBI. In this post, Sengupta and Vardhan content that these ...
- Rajeswari Sengupta Harsh Vardhan
- 15 December, 2020
- 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
Lead Bank Scheme: Does organisational design matter?
The Lead Bank Scheme of the RBI involves a ‘lead bank’ in each district of India that coordinates financial services in the district, and a ‘convenor bank’ in each state that monitors these activities...
- Samarth Gupta
- 26 October, 2020
- Articles
Achieving the target of complete financial inclusion in India through fintech
A significant number of people in India remain outside the purview of the formal financial system. Use of financial echnologies can help address the gaps in financial inclusion left by the traditional...
- Arindam Sarkar Onkar Shivraj Swami
- 07 August, 2020
- Perspectives
Effect of conflict on bank lending: Evidence from Indian border areas
Conflict can affect economic outcomes through the decisions of key individuals. This article studies the effect of repeated incidents of shellingacross the India-Pakistan border, on loan officers work...
- Mrinal Mishra Steven Ongena
- 28 July, 2020
- Articles
Productivity growth in Indian banking: Who gained?
Since the deregulation and privatisation reforms of the early 1990s, Indian banking has witnessed many significant changes. This article finds that the sector experienced steady productivity growth un...
- Rajeswari Sengupta Harsh Vardhan
- 07 July, 2020
- Articles
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
The Covid-19 shock: Learnings from the past, addressing the present - III
In the previous part of the series, Dr Pronab Sen provided estimates of the economic damage on account of the ongoing crisis, and the expected trajectory of the economy over the next three years. In t...
- Pronab Sen
- 07 June, 2020
- Perspectives
Covid-19: Ashok Kotwal speaks with Pronab Sen
In conversation with Ashok Kotwal on the ongoing economic crisis caused by lockdown to mitigate Covid-19 spread, Pronab Sen breaks down the problem into survival of individuals and livelihoods, and th...
- Ashok Kotwal Pronab Sen
- 25 April, 2020
- Podcasts