ABOUT THE AUTHOR
Dr. Kembai Srinivasa Rao
Dr. Kembai Srinivasa Rao BLOGS
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Monetary policy amply empowers regulated entities
April 15, 2025, 10:06 PM IST
Amid the heightened risks of tariff war sweeping the global economy, the RBI has introduced a set of well-calibrated monetary policy measures to empower regulated entities (REs) to withstand market shocks and continue to provide…
April 15, 2025, 10:06 PM IST
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Changing shape of Regional Rural Banks ‘One State-One RRB’.
April 13, 2025, 1:40 PM IST
The Regional Rural Banks (RRBs) have been transforming in terms of number, size, and geographical affinity, but did not alter their mandate. They serve to resurrect the rural economy with a local feel, language,…
April 13, 2025, 1:40 PM IST
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Renewed thrust on the MSME sector
March 25, 2025, 10:05 PM IST
The government has been relentlessly focusing on mainstreaming the growth of MSMEs, more importantly, after the MSME Development Act 2006 was enacted. On 9 May 2007, the Ministry of Small-Scale Industries (SSI) and the Ministry…
March 25, 2025, 10:05 PM IST
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Missing gaps in operational risks in IndusInd Bank
March 18, 2025, 10:31 AM IST
Even minor human errors in interpreting regulations or internal accounting standards forming part of operational risk (OR) could be devastating with intense collateral damage. The saga of derivative transactions undertaken to hedge foreign currency exposure…
March 18, 2025, 10:31 AM IST
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Learning for UCBs from the NICB fiasco
February 23, 2025, 9:50 PM IST
Following a fraud of Rs. 122 crores, other irregularities in business conduct, and a liquidity crisis in New India Cooperative Bank (NICB), RBI superseded its board and appointed an administrator for a year on February…
February 23, 2025, 9:50 PM IST
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Monetary policy: A blueprint of guidance for banks
February 10, 2025, 1:10 PM IST
The unanimous rate cut by 25 basis points and the continuation with the neutral stance of the policy is a foregone move that the markets have already factored in. However, there are more interesting points…
February 10, 2025, 1:10 PM IST
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Well-crafted Union Budget to pump prime growth
February 3, 2025, 2:08 PM IST
Continuing its focus on fiscal consolidation by pegging fiscal deficit at 4.8 percent of GDP in FY25 and intending to bring it down to 4.4 percent of GDP during FY26 reflects a knack for allocational…
February 3, 2025, 2:08 PM IST
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Union Budget FY26 to focus on inclusive growth
January 31, 2025, 3:30 PM IST
FY25 witnessed a steep drop in GDP in Q2 to 5.4 percent far below the market expectations as against the 8.1 percent growth recorded in the previous year. The slowdown in GDP is evident from…
January 31, 2025, 3:30 PM IST
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Guideposts of risk management from WEF – 2025
January 26, 2025, 3:59 PM IST
The annual 5-day intense discussions of the World Economic Forum (WEF) delving into global and regional challenges ended on January 24. The span of deliberations among global leaders at the WEF covered a range of…
January 26, 2025, 3:59 PM IST
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Need for ‘risk management vision – 2030’ in banks
January 18, 2025, 5:06 PM IST
The risks in banks are changing their form and intensity as evidenced by the recent Report on Trends and Progress of Banking in India 2023-24 and Financial Stability Report (FSR) – December 2024. While discussing…
January 18, 2025, 5:06 PM IST
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Enterprise Risk Management (ERM) in 2025 and beyond
December 30, 2024, 11:19 PM IST
Business enterprises must operate and adopt fitting ERM strategies amid the evolving risk environment to grow, thrive, and compete with peers. Risk is the degree of uncertainty due to expected/unexpected business adversities that may cause…
December 30, 2024, 11:19 PM IST
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Interest rate curve in 2025 is well poised to soften
December 26, 2024, 10:51 AM IST
In the post-Covid era, the crisis-stricken economies that struggled with historically high inflation from early 2022 controlled it with monetary policy tools by raising interest rates and aligning liquidity management. 2024 was a mixed year…
December 26, 2024, 10:51 AM IST
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Softening inflation – A positive sign for early repo rate cut
December 15, 2024, 9:43 AM IST
Notably, the year-on-year (YOY) CPI inflation for November 2024 softened to 5.48 percent, below the 6 percent mark, the upper end of the target under a flexible inflation targeting framework (FITF). The drop in CPI…
December 15, 2024, 9:43 AM IST
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Repo rates are kept unchanged to continue to fight inflation
December 8, 2024, 3:53 PM IST
The much-awaited monetary policy – December 6, ended with a status quo on rates compelled by the macroeconomic conditions. GDP growth nosedived to 5.4 percent in Q2 of FY25 down from 8.1 percent in the…
December 8, 2024, 3:53 PM IST
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Growth must be prioritized while taming inflation
December 1, 2024, 2:21 PM IST
The data on GDP growth in Q2 of FY25 dips to 5.4 percent against 6.7 percent in Q1 of FY25 and 8.1 percent in Q2 of FY24, affirming the economy’s slowdown. Among many factors, a…
December 1, 2024, 2:21 PM IST
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New tool for better risk management in banks
November 24, 2024, 11:53 AM IST
In the increasingly interconnected and interdependent financial ecosystem, amid a resilient and growing economy, the scope for business expands manyfold inviting not only institution specific risks but also complex risks of other institutions with which…
November 24, 2024, 11:53 AM IST
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Elevated inflation eludes interest rate cuts
November 14, 2024, 8:10 PM IST
As expected by RBI in its monetary policy – October 9, CPI inflation in October 2024 reached a high of 6.21 percent. up from 5.5 percent in September and 3.65 percent in August. It is…
November 14, 2024, 8:10 PM IST
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The omnipresence of SBI’s way of leadership in financial sector
October 31, 2024, 3:27 PM IST
Sustained and stable leadership of banks and NBFCs is important for enduring financial stability. The right focus on governance, risk management, and compliance in driving growth is the sine qua non for sustainability. For nearly a decade, SBI…
October 31, 2024, 3:27 PM IST
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Steady growth and upside inflation risks keep the repo rate intact
October 11, 2024, 3:26 PM IST
Amid the divergent views about the monetary policy move, RBI again opted to keep the repo rate intact at 6.5 percent. However, the stance of the policy has changed from ‘withdrawal of accommodation’ to ‘neutral’…
October 11, 2024, 3:26 PM IST
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Interest rate cut looks imminent in October Monetary Policy Review
October 4, 2024, 11:18 PM IST
All macroeconomic indicators show that a repo rate cut is in the offing in the upcoming monetary policy review on October 7-9, 2024. With the identification of new external members of the Monetary Policy Committee…
October 4, 2024, 11:18 PM IST
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