FairConnect Admin | FairConnect

Banking Recapitalization: Reviving growth while addressing the Moral Hazard Issue

November 16, 2017 / by FairConnect Admin / Finance, Resources / 0 comments

GOI could give unlimited support to the performing PSBs to get growth back on track, force some PSBs to improve and dismantle the rest. Full Article here

Expected Credit Loss Framework may necessitate a shift in product pricing and capital allocation

July 10, 2017 / by FairConnect Admin / Uncategorized / 0 comments

Among several changes, Ind AS prescribes move from current rule based provisioning to expected credit loss (ECL) base provisioning, which is likely to change lenders provisioning requirement significantly. Full Article here

Scope to Earn Resilient Superior Returns in Indian Bond Market

May 28, 2017 / by FairConnect Admin / Finance / 0 comments

Study on ‘Defaults in 2016-17 across issuers rated by Four Largest Rating Agencies’ in India: Careful credit selection in BBB / A rated space can lead to ‘Resilient Superior Returns’ Key Highlights: Default rates across the four Largest Rating agencies have shown an ordinal trend and have seen a decline across rating categories for most […]

Loan Against Property (LAP): LAP ‘A Long-Term Capital Lifeline for MSMEs’

April 27, 2017 / by FairConnect Admin / Finance / 0 comments

‘Loan against Property’ (LAP) market estimated close to Rs. 3 trillion is quite sizeable in relation to overall Indian banking credit to the MSMEs at Rs.8.4 trillion1 as on March 31, 2016. Further, this market is growing at a much faster pace compared to the overall MSME pie and has significantly lower credit losses. The […]

Retail Credit: ‘High Growth and Reasonable Risk Adjusted Return’

April 24, 2017 / by FairConnect Admin / Finance / 0 comments

Credit penetration in India continues to grow at a record pace, especially in under-served areas of low to medium income borrowers and medium to small businesses. This is being fueled by NBFCs, housing finance and micro finance companies. Several of these small-medium size NBFCs are well managed with good corporate governance practices, have access to […]

Demonetization: ‘Double Bottom Line Investments’ require specialized monitoring

January 22, 2017 / by FairConnect Admin / Demonitisation / 0 comments

NBFC-MFI (NBFC–Micro Finance Institutions) sector which provides door-step credit to low-income individuals and have a client base of close to 33 million is playing extremely critical role in providing credit to un-served population in the country. The sector also employs close to 0.1 million people across its branch network of close to 9,900 across the […]