Finance

What Investment Banking Is All About

Deal making is akin to a magic trick. Being an investment banker for better part of my post MBA life, I have participated in and witnessed many such conjurings. M&A transactions are intricate and tedious, sometimes taking well over two years to culminate. It is in the best interest of all the stakeholders to close the deal as quickly as possible. Enter the investment banker. The banker dons the hat of a magician and performs the most complicated of magic tricks possible in the financial and strategic domain. And as with all great magic tricks, there are three major acts — the Pledge, the Turn and the Prestige.

P2P Lending - Emerging Trend In The Banking Domain - Niteen From IIM Calcutta

Peer-to-peer lending (P2P lending) is the practice of lending money to individuals or businesses through online services that match lenders directly with borrowers. Since peer-to-peer lending companies operate online, they can run with lower costs and provide the service more cheaply than traditional financial institutions. As a result, lenders often earn higher returns compared to savings and investment products offered by banks, while borrowers can borrow money at lower interest rates. Currently, P2P online players are registered under the Companies Act and are largely unregulated. The people behind these fintech startups are either technocrats or young entrepreneurs. Unlike banks that have savings and credit history of borrowers P2P players largely depend on credit bureaus for assessing the credit worthiness of borrowers. But, not all borrowers are part of credit bureaus in India. Moreover, P2P lending runs the risk of fraud such as money laundering, cyber theft, data theft, ponzi schemes.

The Great Indian Pulp Fiction : 25 Years Of Neo-Liberal Economic Reforms - Aman From IIM Kozhikode

Initial Public Offering Of VISA: Money On The Table - Shubham From XLRI

Introduction

Uberization In Banking : A Mobile Revolution - Shubham From XLRI

Due to rapid proliferation of online medium and the gradual opening up of the banking sector with time, a growing demand can be seen for alternate banking solutions, like small payment banks and money transfer through mobile. With the growing prevalence of electronic commerce and the widespread use of mobile devices, mobile banking or m-banking is gaining prevalence. Worldwide, this has been a growing phenomenon mainly in developing and underdeveloped countries of Africa and Asia, where access to traditional banking channels are relatively scarce. The change can be attributed to uberization or decentralization in the banking service sector and it is here to stay.

The Curious Case Of Non-Performing Assets

 

S4A Won’t Solve The Bad Loans Problem - Finance Guru Tamal Bandyopadhyay Speaks

It’s official: The strategic debt restructuring (SDR) scheme, introduced by the Reserve Bank of India (RBI) in June 2015 to address the rising bad debt problem of the banking system, has failed.

After Raghuram Rajan, Who? - Finance Guru Tamal Bandyopadhyay Speaks

On 7 August 2013, little less than a month ahead of Raghuram Rajan taking over as governor of the Reserve Bank of India (RBI), Indian government appointed him as an officer on special duty (OSD) at the central bank “to provide an overlap” with then governor D. Subbarao who was slated to retire on 4 September.