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Research And Views Archives | Equitymaster

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Here you will find all the research and views that we post on Equitymaster. Use the tools to customize the results to suit your preference!
















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Monetary Policy: In no hurry to cut rates!

(Jun 3, 2014)

Does the 0.5% cut in SLR mean that more rate cuts are around the corner?

Monetary Policy: Even the RBI is banking on election outcome!

(Apr 1, 2014)

Is the RBI's monetary policy stance truly status quo? Or is there something more to it?

Monetary Policy: Reforms hold the key

(Jan 28, 2014)

Equitymaster describes the Third quarter monetary policy review

Monetary Policy: RBI's carrot and stick approach

(Oct 29, 2013)

The Central Bank opts for a repo rate hike second time in a row

How cost-efficient are Indian banks?

(Oct 8, 2013)

Are Indian banks at par with global benchmarks in terms of cost-efficiency?

Bernanke proposes, Rajan dismisses!

(Sep 20, 2013)

Equitymaster shares its views on the rate hike by RBI governor Dr Rajan in his maiden monetary policy.

Will these banks yet again 'sacrifice' NIMs?

(Jul 5, 2013)

Rate cut coercion from the government may result in NIMs compression of banks

Is loan restructuring panacea to banks' asset quality woes?

(Jun 25, 2013)

Increased restructured assets have added to the worries of the banks

Monetary policy: Liquidity without rate cut

(Oct 30, 2012)

Equitymaster's discusses whether the RBI's latest cut in GDP growth rate (CRR) will have any meaningful impact on GDP growth rate.

SBI vs. ICICI: Which is the better bank?

(Dec 31, 2010)

Equitymaster compares the key operating metrics of the country's largest banks to judge the better of the two.

The why and how of 'base rate' in Indian banking

(Jun 29, 2010)

Equitymaster discusses why and how will the new bank rate fits into the Indian banking scenario.

Are Indian banks 'BRIC' solid?

(Mar 30, 2010)

Equitymaster evaluates whether Indian banks are as financially sound as their peers in BRIC nations.

Don't bank too much on these stocks

(Oct 15, 2009)

Equitymaster discusses the investment opportunity in Indian financial sector

Banks: Saved from the blushes?

(Dec 7, 2007)

While banking behemoths in the developed economies have faced a lot of flak after the subprime malady, their Indian counterparts have, so far at least, escaped from the blushes.

Banks: What's fuelling growth?

(Sep 28, 2007)

The fortunes of Indian banks have improved considerably over the past year and the same has been adequately visible in the underlying valuations of the stocks from the sector that have led the market rally, particularly in the past six months.

Banks: The subsidiary conundrum

(Aug 31, 2007)

The evolution of the banking sector in India has finally reached the stage of getting aligned to its peers in the developed world. And why not! If the regulator's (RBI's) roadmap of allowing foreign players into the sector by FY09 deserves some degree of seriousness, this seems imperative.

Banks: Impact of equity issuances

(Aug 24, 2007)

It has been pouring in this fiscal and will continue for some time! We are referring to the downpour of issuances in the equity markets. Besides the flurry of IPOs in the primary issuances, markets will be witness to secondary issuances including ADRs, GDRs and QIPs (qualified institutional placements).

Banking: The 'negative return' savings account...

(May 25, 2007)

31% of India's population has a bank account (source: RBI). The average size of a deposit account in the rural areas is about one-third the size in urban areas and ranges from about Rs 7,000 (in Andhra Pradesh) to about Rs 17,000 (in Punjab). Savings accounts (27% of total system deposits) form a major chunk of this due to its maneuverability across deposit sizes. Term deposits (60% of total system deposits), which typically enjoy the benefit of rise in interest rates, however, have been camoufl

Banking: Basel II calling…

(May 4, 2007)

With a view to adopting the Basel Committee framework on capital adequacy (which takes into account the elements of credit risk in various types of assets) and also to strengthen the capital base of banks, the RBI decided to introduce a risk weighted asset ratio system for banks in India as a capital adequacy measure in April 1992. Essentially, under the above system, the balance sheet and off-balance sheet exposures are assigned prescribed risk weights and banks have to maintain unimpaired mini

Banking: Treasury misnomers...

(Apr 27, 2007)

A spurt in interest rates over the past year raised concerns over Indian banks' balance sheets. These banks took a substantial hit on their investment portfolios on account of the marked-to-market (MTM) provisioning of investments in the available-for-sale (AFS) category. Most banks transferred long-dated G-Secs to the held-to-maturity (HTM) category by taking big one-time provisioning hits over the last two years. This helped to insulate their income statements to an extent.


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