Home › Ratings › Commentaries › Finance   Finance   Feb 2010 » Consolidation of public sector banks: A long path to a desirable goal     Jan 2010 » Growing interest in algorithmic trading set to change competitive dynamics in equity trading » Housing finance companies maintain resilient credit profiles     Nov 2009 » General Insurance Sector: Investment income, not underwriting performance, drives profitability » Managing long-term asset quality: A blueprint for banks     Oct 2009 » Banking Sector Review 2009 » Revived investor interest in debt mutual funds » Extensive restructuring reflects decline in banks' asset quality     Aug 2009 » Financial sector outlook: Adequate capitalisation to mitigate operating environment stress » Rating of broking companies - Frequently asked questions » CRISIL's rating approach towards restructuring of bank loans     Jul 2009 » What drives CRISIL's re-assessment of government support for India's Public Sector Banks? » Implementation of BASEL-II: saving capital with the right approach     Jun 2009 » NBFCs continue to battle profitability concerns » Rating urban cooperative banks - CRISIL's perspective     Apr 2009 » Banks' asset quality: bumpy ride ahead?     Mar 2009 » What happens next to ratings on Indian subsidiaries of global financial institutions?     Nov 2008 » Increasing share of Tier II capital: Judicious management warranted     Oct 2008 » Rising interest rates expose banks to credit slowdown     Sep 2008 » Preference shares for banks: Enhanced options but limited investor appetite     Aug 2008 » RBI guidelines for NBFCs-ND-SI: Minimal impact likely on CRISIL rated NBFCs     Jul 2008 » Unsecured exposures weaken retail asset quality     May 2008 » Look East: CRISIL Study Finds Asia Banks Less Affected By Credit Crisis     Jan 2008 » Retail assets - a case for caution, not alarm     Dec 2007 » Wealth management: turning an art into a science » CRISIL~CPR 1 Index - a tool for optimizing MF investments     Nov 2007 » Self regulation - the way forward for mutual funds » ETF assets register a six-fold jump in 18 months     Oct 2007 » Demystifying Credit Default Swaps     Sep 2007 » Bank's profitability to buckle under pressure from rising resource costs and stringent regulatory measures » Bank's asset quality poised at the peak Strong internal controls hold the key to sustained asset quality     Aug 2007 » Increasing professionalism in selecting pension fund managers     Jun 2007 » Funding credit growth : War for resources to continue » Capital adequacy of banks expected to improve under Basel II     May 2007 » Monitoring credit risks, a key imperative for FMPs     Apr 2007 » Mortgage Finance - A Safe Haven for Lenders? » Increased provisioning to cost banks Rs. 40 billion » Indian Banks: The quest for size » CRISIL-rated NBFCs: Strong performers on asset quality and capitalisation » Monitoring credit risks, a key imperative for FMPs » CPPI: A potent capital protection tool in bearish times     Mar 2007 » Increased provisioning to cost banks Rs.40 billion     Feb 2007 » NBFCs Profitability under Pressure due to Competition » Capital Market Focused NBFCs Demonstrate High Profitability Strong Risk Management, a Key Contributor » Will NBFCs Continue to have a Role? Innovation and Partnership: The Road Ahead » RBI Guidellines for NBFCs to have no Impact on Ratings of CRISIL-rated NBFCs     Jan 2007 » CRISIL rated PDs adequately capitalized against interest rates shocks » NBFCs - will the tough get going?     Nov 2006 » 'De-tariffing' to increase insurers' underwriting losses     Oct 2006 » Asset Quality in Retail Portfolios: A Key Monitorable for Banks » The CRISIL~CPR 1 Index: Benchmarking with the best schemes     Sep 2006 » Infrastructure bonds - a Rs. 200 bn opportunity for banks     Jul 2006 » Indian Banking Sector : More resilient than ever before » REITs and CMBS - a partnership that will score     Apr 2006 » Fee-based income is the key to MFI's sustainability » Getting the right picture: Three robust tools to measure the operating performance of MFIs     Mar 2006 » Planning for the future: Scientifically » Mutual Fund - Evaluating Quality and Governance Practices » Hybrid Capital: New Avenues for Banks     Jan 2006 » Demand Fundamentals Support Mortgage Asset Quality     Dec 2005 » India's best governed companies - what do they share in common?     Oct 2005 » Banks' headroom for Tier-II capital increases - Potential to grow assets by 32 per cent     Sep 2005 » Corporate Governance : adapt before you adopt » Narrowing credit spreads of rated debt : a reflection of improving default rates     Aug 2005 » Independent Directors - Are they watchdogs for good governance?     Jul 2005 » CRISIL Bank Loan Rating : A New Dimension to Risk Analysis » Banks Increase Presence in Funding Profile of MFIs     May 2005 » Banking spreads Vs Market interest rates: Banks spreads largely resilient to interest rate changes     Apr 2005 » One scale to rule them all     Feb 2005 » Basel II - Manageable capital requirements, long-term benefits: CRISIL     Dec 2004 » Credit FAQ: Indian Railway Finance Corporation Ltd (Update) » Credit FAQ : Housing Development Finance Company Limited » CRISIL: Sustained rate rise to impact mortgage delinquency, albeit marginally     Nov 2004 » Credit FAQ: GE Capital Services India » Mutual Funds' affinity for Corporate Bonds increases: CRISIL FundServices » CRISIL : Sustained interest rate rise to impact mortgage delinquency , albeit marginally » Mortgages : No escaping a rise in interest rates » Mortgages : Inherent resilience in asset quality » Mortgage entities at the crossroads : Roles to be redefined     Oct 2004 » Days Past Due - A superior measure of retail asset delinquencies » CRISIL's capital analysis already covers key Basel II principles     Sep 2004 » Bank depositors need to be more discerning     Aug 2004 » All inclusive cost' is a better measure of resource competitiveness     Jul 2004 » CRISIL~CPR: A Strong Predictor of Fund Performance » CRISIL's Fund Housing Ratings to meet growing investor and industry needs » Mutual funds volatility and volatility rating » Mutual Fund Industry: Following the US footsteps? » Indian mutual fund industry witnesses sharp growth     Jun 2004 » Indian Banking Sector: Investment portfolio gains cushion capitalisation » MICROS : Perspective on Microfinance - Strategies for Efficient Management of MFIs     May 2004 » An Understanding of Interest Rate Risk in Indian Banks » CRISIL's financial sector ratings: No defaults since 1999-00     Apr 2004 » Interest Rate Carry : A hedge for Primary Dealers against hardening rates     Mar 2004 » Low incremental returns on housing finance to harden rates     Feb 2004 » Restructuring of FCI's resources profile to impact banks' profits     Jan 2004 » MICROS : Perspective on Microfinance - Indian MFIs : Improving self-sufficiency, key to sustainable operations » Restructuring of FCI's resources profile to impact banks' profits     Nov 2003 » Disinvestment to result in sharper differentiation in bank ratings » Public Sector Banks maintain improving core profitability trend in FY2003     Oct 2003 » Rising underwriting deficit and diminishing investment returns - A double whammy for non-life insurers but solvency cushion is a comforting factor     Jul 2003 » Banking sector's weak assets estimated at Rs. 1355 billion: CRISIL     Jun 2003 » Smooth transition out of call market Expected for primary dealers - CRISIL     May 2003 » Four Dimensions In Management Of Bank-Deposit Runs: Crisil     Apr 2003 » New Non life insurers - Parentage to drive ratings     Mar 2003 » Lower operating expenses boost banks' bottomlines in FY2001-02     Feb 2003 » Repricing of investment portfolio to impact banks' profitability by over 40%     Aug 2002 » Credit Profile of Housing Finance Subsidiaries of Banks to benefit from Closer Parent Linkages     May 2002 » NBFC Ratings : Increased Polarization and Parent Linkages Mark Post-Shakeout Trends     Oct 2001 » Private Insurance Companies - Off the Block     Sep 2001 » Increasing Popularity of Bond Funds » Consumer Durables - An Underfinanced Asset Class     Aug 2001 » Frequently Asked Questions on Commercial Paper Ratings     Apr 2001 » Leasing - Popularity on the Wane » Profile of the Indian Financial System     Mar 2001 » 100% Foreign Direct Investment in the NBFC Sector - A Positive Rating Factor     Jan 2001 » Risk Spectrum in Asset Financing Business     Dec 2000 » Changing Business and Financial Paradigms of the Asset Financing Sector     Nov 2000 » NBFC Downgrades - CRISIL Observes Sharp Deceleration     Sep 2000 » Asset Side Risks Undermine Indian Banks' Capital Position     Aug 2000 » Primary Dealers Face Increased Challenges     Jul 2000 » Portfolio Credit Risk Management in Banks: Quick Transition Feasible, Despite Data Constraints » Housing Finance Industry - Margins Under Pressure     Jun 2000 » Insurance Sector - What Lies Ahead? » Bank Ratings: Asset Quality Concerns, but Strong Protective Factors Prevail     May 2000 » Disclosures by Indian Banks     Jan 2000 » IPO Financing - Risk Issues   Top