How the BoB-Vijaya-Dena merger was executed



‘The market may take time to digest this merger but it could be a template for the next four mergers for creating mega banks,’ says Tamal Bandyopadhyay



Source link

Indian banking business just got more complex



Rating agency Moody’s Investor Services has already warned that the move would be credit negative for banks, causing volatility in net interest margins. One of the key changes that banks may have to make is how they price their deposits, says Joydeep Ghosh.



Source link

RLLR- or MCLR-based — which home loan is better?



Should borrowers opt for an RLLR-based home loan over an MCLR-linked one? There is difference of opinion among experts regarding whether the two loan rates will be different, points out Sanjay Kumar Singh.



Source link

How big data and AI decide your credit score



Thanks to technology, credit-worthiness is now being based not merely on traditional metrics such as the credit score of a person or a firm sourced from rating agencies like Cibil, Equifax or Experian, bank transactions and assets.



Source link