Selected Tag: K. Srinivasa Rao
Selected Tag: K. Srinivasa Rao
K. Srinivasa Rao

K. Srinivasa Rao

Kembai Srinivasa Rao is a former banker who teaches and usually writes on Macroeconomy, Monetary policy developments, Risk Management, Corporate Governance, and the BFSI sector.

Risk-Based Deposit Insurance Framework Could Reshape Bank Behaviour

New risk-based deposit insurance regime will end blanket protection, reward disciplined lenders, and make weak banks bear the cost of their own failures.

K. Srinivasa Rao

February 13, 2026 at 10:22 AM IST

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MPC Review

RBI’s Easiest Decision May Be to Do Nothing

RBI likely to hold rates steady as growth holds firm and risks shift offshore

K. Srinivasa Rao

February 5, 2026 at 3:13 AM IST

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Budget 2026

PSB Mergers: Bigger Balance Sheets, But Not Quite Better Banks

India’s PSB mergers created scale and stability, but five years on, credit growth, competition, and inclusion suggest consolidation alone cannot deliver global champions.

K. Srinivasa Rao

January 22, 2026 at 7:07 AM IST

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Risk Sensitive Banking: Strength, Scale and Stability Beyond 2026

Strong balance sheets give banks room to grow, but tighter liquidity, sharper risk norms and new capital rules will test how sustainably that growth is delivered.

K. Srinivasa Rao

December 24, 2025 at 6:10 AM IST

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Monetary Policy

A Rate Cut Now Could Strengthen India’s Growth Cushion

With inflation at historic lows and growth surprising on the upside, the RBI may opt for a calibrated repo rate cut to protect India’s global position.

K. Srinivasa Rao

December 1, 2025 at 7:02 AM IST

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Cyber Risk - Digital Banking's Biggest Threat Is Closer Than You Think

Mitigate rising cyber risks in digital banking with AI-driven detection, zero trust, robust training, and rapid response for safer payments and trust.

K. Srinivasa Rao

November 11, 2025 at 3:42 AM IST

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Building New Financial Institutions for Sustained Growth

To achieve 8–9% sustained GDP growth, India must build new banks, deepen NBFC capacity, and widen credit access beyond the current few institutions.

K. Srinivasa Rao

October 29, 2025 at 8:09 AM IST

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Private Talent in PSBs Will Need Open Minds on Both Sides

Leaders supporting top management must be exposed to stronger risk appetite and sharpened marketing skills.

K. Srinivasa Rao

October 17, 2025 at 8:53 AM IST

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The Department of Financial Services

RBI Loosens the Leash, Banks Must Tighten Risk

India’s new credit freedoms mark a turning point for banks, but the real reform lies in how they recalibrate risk, governance, and talent.

K. Srinivasa Rao

October 8, 2025 at 10:41 AM IST

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Monetary Policy Should Look Beyond Repo Rate Cut 

RBI’s 100 bps repo cut has lowered EMIs for existing borrowers, but new loans remain costlier. Liquidity gaps, sticky deposits, and high bond yields stall full transmission.

K. Srinivasa Rao

September 26, 2025 at 11:12 AM IST

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Next Gen Bank Reforms Should be Asset Growth-Centric

India is the fourth largest economy, yet only two banks rank among the global top 100. Next-gen reforms must drive PSBs towards asset-led scale.

K. Srinivasa Rao

September 17, 2025 at 6:46 AM IST

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The Department of Financial Services

India’s Banks Need a New Business Model Before Liquidity Risks Bite Harder

Deposit growth is slowing, liquidity risks are rising, and RBI rules are shifting. India’s banks must rewire their business models before the next shock.

K. Srinivasa Rao

August 14, 2025 at 7:30 AM IST

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Monetary Policy

RBI Unlikely to Cut Repo Rate as Focus Turns to Credit Transmission

With inflation cooling and liquidity ample, RBI is set to hold rates and wait for credit transmission before fresh policy moves.

K. Srinivasa Rao

August 4, 2025 at 3:44 AM IST

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Work-Life Balance Is Not a Luxury, It’s a Business Imperative

If India Inc. wants productivity gains without losing talent to burnout, it must confront the toxic edge of workplace culture

K. Srinivasa Rao

July 22, 2025 at 10:25 AM IST

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How To Avoid Credit Bubble 

Banks face rising pressure to balance credit expansion with market risks amid slowing deposit growth. Innovative deposit strategies and digital solutions are key to ensuring sustainable financial stability.

K. Srinivasa Rao

July 12, 2025 at 2:43 AM IST

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Navigating The Age Of AI Virtual Assistants

As virtual assistants and quantum computing reshape industries, India must urgently pivot education and employment to coexist with emerging machine intelligence. 

K. Srinivasa Rao

July 2, 2025 at 1:37 PM IST

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Banks Are Stronger, But Operational Risks Are Mounting

India’s banks are well-capitalised and profitable, but rising third-party and tech-related risks threaten to undo hard-won stability.

K. Srinivasa Rao

June 25, 2025 at 5:39 AM IST

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The Bureau

New GDP Data: Problem Fixed, Or Made Worse?
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