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Random Reflections

Random Reflections: Why Government will save Yes Bank but not PMC Bank?

The SBI chairman has made a statement in Davos, Switzerland on the sidelines of the World Economic Forum that Yes Bank will not be allowed to go down. The same chairman sometimes back stated...

Read more January 29, 2020 at 1:16 pm Thomas Franco

Random Reflections: Budget 2020 and the Banking Sector

Union Budget is no more an anxiety as many decisions like petroleum product prices, railway fare, tax waiver to corporation, GST are now out of the budget. However some sectors require attention. Most important...

Read more January 23, 2020 at 4:57 pm Thomas Franco

Random Reflections: Are Banks Becoming Arms of the Ruling Party?

The Reserve Bank of India introduced “Know Your Customer” norms under the provisions of “Prevention of Money Laundering Act 2002 and Prevention of Money Laundering (Maintenance of Records) Rules 2005. As per these...

Read more January 16, 2020 at 2:26 pm Thomas Franco

Random Reflections: Banking in Crisis and Bank Staff in Crisis

Banking in India is in crisis for some time since 2014, and there seems to be no light at the end of the tunnel. One crucial problem in the banking industry is the problems...

Read more January 7, 2020 at 5:48 pm Thomas Franco

Random Reflections: One more attack on the Farmers by the Govt! No more Agriculture Gold Loans

The Finance Department has informed the Banks that there will not be any interest subsidy for Gold Loans given to Farmers (Refer Circular of SBI No.1370 / 2019-20 dated 24.12.2019). In 2006-07 Budget speech,...

Read more January 1, 2020 at 12:25 pm Thomas Franco

Random Reflections: Corruption in banks, in the name of cross-selling – Who will bell the cat?

In the name of making banks into supermarkets, providing all financial services, cross-selling was permitted by RBI and the government in the banking industry. Life insurance policies, general insurance policies, mutual funds etc are...

Read more December 25, 2019 at 8:44 pm Thomas Franco

Random Reflections: For the Corporates, by the Corporates, of the Corporates – India getting sold

The Parliament has passed The International Financial Services Centres Authority Bill 2019. The Act will apply to be the International Financial Services Centres (IFSC) set up under See 18 of the Special Economic Zones...

Read more December 17, 2019 at 4:19 pm Thomas Franco

Random Reflections: Why is the Finance Minister Shielding Defaulters?

Why are you shielding the defaulters? Madam Nirmala Sitaraman has to answer! The Government of India has released some data on Bank credit which requires critical analysis. In October & December loan melas Public...

Read more December 11, 2019 at 6:55 am Thomas Franco

Random Reflections: MUDRA Loans – Next Avalanche for Banks?

Pradhan Mantri Mudra Yojana was launched on 8th April 2015. Categorised as Shishu, for loans upto Rs.50000/-, Kishore for loans upto Rs. 5 lakhs and Tarun for Loans upto Rs. 10 lakh, the scheme...

Read more November 30, 2019 at 1:24 pm Thomas Franco

Random Reflections: Three Years of Demonetization – Where is the Black Money?

On Nov 8th, 2016 the Prime Minister told the citizens that “For years, this country has felt that corruption, black money and terrorism are festering sores, holding us back in the race towards development.”...

Read more November 8, 2019 at 9:11 am Thomas Franco

Random Reflections: Losing Faith in the Banking System is Dangerous

More than a month of waiting for 16 lakh depositors is leading to a dangerous position of loss of faith in banks. The Cooperative banks have more than 13 crore small depositors. RBI has...

Read more November 2, 2019 at 7:21 pm Thomas Franco

Random Reflections: What next in Banking Sector? Will the Trade Unions work together?

On 22nd Oct, AIBEA and BEFI went on strike against merger of Banks. Did anybody care? Sad that all Unions and Associatious objecting merger did not fight together. The Banking Sector Trade Unions in...

Read more October 26, 2019 at 6:54 pm Thomas Franco

Random Reflections by Thomas Franco

Lessons from the Nobel Prize in Economics After Dr. Amartya Sen received Nobel Prize for Development Economics, Abhijit Banerjee, an Indian has become the winner of Nobel on Economics along with his wife Esther...

Read more October 18, 2019 at 3:25 pm Thomas Franco

Thomas Franco on the Banking Sector at Crossroads: Way Ahead

Franco was speaking at the public meeting titled Last battle to save PSBs on November 29, 2017, at the Constitution Club of India, New Delhi. The meeting was jointly organised by All India Bank Officer’s...

Read more December 6, 2017 at 2:56 pm Thomas Franco
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