ICA and IBC woes

Wednesday, August 29th, 2018

The NPA problems have been brewing for a number of years. Along the way the RBI and the government have tried various schemes for banks to find a resolution to bad assets. Each of these schemes had fancy acronyms, such as CDR, SDR, S4A, JLF etc., which were wound up because they did not have […]

The rise of retail banking

Wednesday, August 8th, 2018

Nice piece by Vivek Kaul in the Mint paper on how Indian banks are changing the focus of their business. It talks about how, without any regulatory push, Indian banks are increasingly moving toward narrow banking with a focus on the retail segment. This is of course a direct result of the NPA mess that […]

Who is benefitting from the bad loans crisis?

Tuesday, August 2nd, 2016

Every crisis presents opportunities. We find that Indian private sector banks are taking full advantage of the bad loans problem and are taking a sizeable share of the market from public sector banks, scheduled commercial banks and even foreign banks.