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Research articles published by Hemindra Hazari.

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HDFC Bank’s Digital Irresponsibility: RBI’s Novel Penalty Hits Where It Hurts

EXECUTIVE SUMMARY. The Reserve Bank of India’s (RBI) decision to temporarily put a halt to all digital launches of HDFC Bank’s financial products and...
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Brazen Mis-Selling by ICICI Prudential Life: When Even the Parent Keeps a Distance, Something Surely Stinks

EXECUTIVE SUMMARY. Despite ICICI Prudential Life Insurance (IPru Life) reporting improvement in long-term persistency ratios, there are worrying examples of brazen mis-selling of life...
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Research

Why Have Gold Loan NBFCs Become Low Hanging Fruit for Robbers?

EXECUTIVE SUMMARY. Even though non-bank finance companies (NBFCs) dedicated to providing loans against gold ornaments are highly profitable and enjoy significant net interest margins...
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RBI’s Working Group Recommends Foxes Be Put in Charge of Chicken Coops: Cites Foxes’ Experience, Management Expertise and Strategic Direction

EXECUTIVE SUMMARY. “What is the robbing of a bank compared to the founding of one?” – Bertolt Brecht An internal working group (IWG) of the...
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RBI Proposal to Convert Large NBFCs into Banks: No Solution to the Problem of Regulatory Failures

EXECUTIVE SUMMARY. A newly-appointed (on October 9, 2020) deputy governor of the Reserve Bank of India (RBI) has proposed, for discussion, that large systemically-important...
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Time to Junk the Less Savoury Parts of the Legacy of HDFC Bank’s Iconic CEO

EXECUTIVE SUMMARY. Aditya Puri, the iconic first CEO of HDFC Bank, will finally step down on October 26, 2020 after 26 years at the...
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HDB’s Profit Collapse: Canary in the Coalmine for the NBFC Sector in the Lockdown?

EXECUTIVE SUMMARY. HDFC Bank’s 1HFY2021 results is a study in contrasts to its non-bank finance company (NBFC) subsidiary, HDB Financial Services (HDB). While the...
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Currying Favour with Vedanta? I-Sec Report’s Appalling Lapse

EXECUTIVE SUMMARY. On the opening date of Vedanta’s delisting offer (October 5, 2020), ICICI Securities (I-Sec) issued a results research note on Vedanta with...
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Research

SBI’s NPA Reduction Was Largely On Account of Write-Offs, Not Better Management

EXECUTIVE SUMMARY. Media commentators analysing the tenure (October 7, 2017 to October 6, 2020) of Rajnish Kumar as chairman of the State Bank of...
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Research

HDFC Bank: Where Ignorance Is Bliss, Block Whistleblowers on Twitter

In the corporate sector it is extremely rare to find a whistleblower who consistently puts out internal information on malpractices and confidential internal communication,...
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Hemindra Hazari, is a commentator with over 30 years’ experience in the Indian capital markets. He has specialized in research on banking and the macro-economy. He has managerial experience of establishing profitable equities business, leading and mentoring analysts.
Contact us: hkh@hemindrahazari.com
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