RBI’s Financial Stability Reports – A Commentary on its Purpose and Contents
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 […]
Is it time to introduce wholesale banks in India?
NBFCs are particularly vulnerable to wholesale funding constraints in the form of high and volatile borrowing costs
Banks must transmit rates for fruitful financial inclusion
Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders
Comments to the Ministry of Electronics and Information Technology (MEITy) on the draft Personal Data Protection Bill 2018, dated 27 July 2018, submitted by the Committee of Experts on a Data Protection Framework for India
In this document, we present our comments on the draft Personal Data Protection Bill 2018 (hereafter “the draft Bill”) in response to the call for comments from the public by MEITy (Ministry of Electronics and Information Technology, 2018)
A closer look at recent Payments Banks’ violations
A closer look at recent Payments Banks KYC and conduct violations.
An alternative to privatization of public sector banks
The troubles of the banking sector, and public sector banks (PSBs) in particular, are well known.
Directed Credit: How can banks become more efficient at delivery?
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.
Responses dated 31 January 2018 to the “White Paper of the Committee of Experts on a Data Protection Framework for India” dated 27 November 2017 (White Paper) released by the Ministry of Electronics and Information Technology (MeitY)
In this document, we present our responses to the public consultation on the White Paper which is based on our broader approach on data protection. This approach looks past a consent-led approach to data protection, and seeks to embed a bundle of rights for all individuals with respect to their personally
identifiable data that apply even where consent has been validly obtained for data collection
Policy Directions for a Modularised and Well-Functioning Financial System
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.
Concerns for Prudential Regulation in a Modular Financial System
This post is part of our blog series on the Conference on Designing Regulations for a Rapidly Evolving Financial System hosted by Dvara Research.
