Several studies have found that the Indian banking sector, while having a large number of players, has monopolistic competition.
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A well-functioning and resilient financial system needs a good mix of institutions that collectively meet the financial intermediation needs of the country, be it individuals, households, businesses, sectors and local governments, while simultaneously enhancing the stability of the system as a whole.
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Several studies have found that the Indian banking sector, while having a large number of players, has monopolistic competition.
Ideas on how to benefit from the account opening momentum and make progress on usage as well.
Banks not passing on rate cuts points to a lack of intensity in price competition and calls for increasing the number of lenders
The SDG Agenda, the sovereign debt crisis and the climate crisis will need brave leadership from not just individual governments of both the global north and the south, but also groups such as the United Nations, the G20, G7 and others, to closely negotiate tough decisions that can have enough impact on the triple inequality – of wealth, carbon and power.
Low-income households work with irregular income inflows, resulting in shrinking financial planning horizon and necessitating frequent decisions in response to frequent changes.
Social enterprises will have to conform to much higher standards of reporting than they are conventionally used to. Read more at: https://www.bqprime.com/opinion/a-social-stock-exchange-for-india Copyright © BQ Prime
In this note, we discuss how the current approach of the PCA framework is inconsistent with the objectives it seeks to achieve.
By requiring only limited public reporting on asset quality, banks in India have enjoyed a level of opacity that banks in other jurisdictions do not
An RBI Working Group has suggested that lending service providers be disallowed from providing credit enhancements such as FLDG (first-loss-default-guarantee). However, a risk-proportionate regulation of FLDG could address its risks, while allowing the ecosystem to benefit from innovation.
We presented detailed feedback on the Reserve Bank of India’s Discussion Paper on Review of Prudential Norms for Classification, Valuation and Operations of Investment Portfolio of Commercial Banks in the form of answers to the ten questions posed within the Discussion Paper.
In all our research efforts, we strive to maintain an independent voice that speaks for the low-income household and household enterprises. Our ability to perform this function is significantly enhanced by our commitment to disseminate as a pure public good, all the intellectual capital that we create.