India: Bank Bail-In or Bail-Out! Does it really matter?


Draft FRDI (Financial Resolution & Deposit Insurance) Bill 2017 is expected to provide a comprehensive framework to deal with bankruptcy situations in financial sector entities e.g. banks, NBFCs etc. The bill was approved by cabinet for introduction in the Parliament in June 2017. The bill is creating a lot of…

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Indian Banks Performance in Digital Space: FY17


Digital has been the talking point in practically every discussion that banks are having today. So how many really ‘walked the talk’? Did the private banks, as expected, takes the cake or do we see a strong play by public sector banks as well? Without much ado, our analysis indicates…

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FY17 Performance; HDFC shines but declining ROA sums up the Industry concern


Key Takeaways: Revenue Performance: HDFC holds out in NIM growth. At > 20%, it’s way ahead than SBI and other large banks. Of the midsize banks, IndusInd makes it mark at 34% growth. Among the PSU, Indian bank stands tall with a very healthy increase in operating profit at 32%…

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Why I paid 50 bucks to my Bank for online PIN change?


This really got over my head! Now blame for me being a layman or simply my ignorance!!! Recently my debit card got expired and I was issued a new one. The bank had sent me an OTP for pin change as well. Now being a lazy guy or maybe because…

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