Theme: Regulatory and Supervisory Frameworks

Summarising the dominant trends from the year gone by.

Several studies have found that the Indian banking sector, while having a large number of players, has monopolistic competition.

The Reserve Bank of India (RBI) has been publishing its bi-annual Financial Stability Reports (FSR) from May 2010. The FSRs provide extensive information about the way the RBI conducts its stress tests on the banking system; an aggregate sense of the results of such tests provide a measure of the overall resilience and stability of […]

NBFCs are particularly vulnerable to wholesale funding constraints in the form of high and volatile borrowing costs

Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders

A closer look at recent Payments Banks KYC and conduct violations.

The troubles of the banking sector, and public sector banks (PSBs) in particular, are well known.

The troubles of the banking sector, and public sector banks (PSBs) in particular, are well known. Reform proposals have focused largely on ownership and have issued strident calls for privatization. Even if there was political support for this idea, there are a few important challenges.

The rationale stated by RBI was that this would level the playing field between foreign and domestic banks with regard to these targets, which it does indeed, albeit to the extent that in the short term, now foreign banks may also have to follow strategies similar to those of their domestic counterparts to build their loan books for these subcategories.

In our concluding blog post in the series on the conference we recently hosted, we attempt a synthesis of the big pertinent questions that emerged from the discussions.