Analyzing RBI’s Balance Sheet – FY24
RBI’s balance sheet for the year 2023-24 (FY24) has expanded by a substantial 11.1% as per its annual report released recently. This is significantly lower than increase of 2.4% in…
Insurance Industry in India – An Overview
Insurance sector in India has low visibility despite sitting on a large corpus, almost one-fourth the size of the entire banking industry. The sector provides an alternate channel for financial…
Analyzing Corporate Bond Market
Corporate bond market in India has come out of the uncertainties arising due to defaults a few years ago. However, the full potential can be tapped only when sufficient incentives…
Analyzing India’s Financial Sector Interconnectedness
Financial structure of a country is a network of institutions such as Banks, NBFCs, HFCs, Insurance companies, mutual funds and so on. All of these are connected to each other…
Structure of Banking Sector in India. Part III – Cooperative Banks
Cooperative banks form the third pillar of India’s banking structure. These are further classified as urban cooperative banks (UCBs) and Rural co-operative banks (RCBs). Both urban and rural cooperatives play an…
Structure of Banking Sector in India. Part II – NBFCs
NBFIs (non-banking financial institutions) form the second pillar of banking structure. They are further grouped into Non-Banking Finance Companies (NBFCs), All India Finance institutions (AIFIs) and Primary Dealers (PDs). NBFCs…
Structure of Banking Sector in India. Part I – SCBs (Scheduled Commercial Banks)
India’s banking sector is built around three pillars – Scheduled Commercial Banks (SCBs), non-banking financial institutions (NBFI) and Co-operative Banks (CBs). Each pillar is sub-divided into a large number of…
Analysing Banks’ Credit Growth and RBI’s Action
The recent move by RBI to increase the risk weight on certain categories of retail loan and bank loan to NBFCs is a pre-emptive measure to manage the buildup of…
Bank Analysis – State Bank of India
State Bank of India (SBI), the largest bank in the country, has managed a remarkable turnaround, generating profits of over Rs 50,000 crore after making losses just a few years…
Housing Finance Companies (HFCs) – A Crisis of Identity
Housing Finance Companies (HFC) are facing an identity crisis which began with the DHFL scam a few years ago and now, the merger of HDFC Ltd, the largest housing finance…