Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]



        trigger_error($message, E_USER_DEPRECATED);

    }

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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]

Code Context



        trigger_error($message, E_USER_DEPRECATED);

    }

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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]

Code Context

            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

            } else {

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	'body' => '<!DOCTYPE html>
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        LATEST NEWS UPDATES | End hand-holding: Let banks grow up    </title>
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The RBI has reason to be concerned. Banks&rsquo; exposure to mutual funds (MFs) has more than trebled, from Rs 45,000 crore to Rs 1,64,000 crore, during March-November 2009. 


The RBI is worried that stock market volatility could impact banks and,..."/>
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The RBI has reason to be concerned. Banks&rsquo; exposure to mutual funds (MFs) has more than trebled, from Rs 45,000 crore to Rs 1,64,000 crore, during March-November 2009. 


The RBI is worried that stock market volatility could impact banks and,..." />
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                            <p align="justify"><font >The RBI has reason to be concerned. Banks&rsquo; exposure to mutual funds (MFs) has more than trebled, from Rs 45,000 crore to Rs 1,64,000 crore, during March-November 2009. </font></p><p align="justify"><font >The RBI is worried that stock market volatility could impact banks and, hence, endanger financial stability. Hence, the overall cap on stock market exposure as part of macro-prudential regulation. Currently, the aggregate exposure of a bank to the capital markets in all forms (both fund-based and non-fund-based) is capped at 40% of its net worth at the end of the previous year, with direct exposure capped at 20%. However, the problem is that while investment in equity-oriented MFs is included within the direct exposure limit, investment in exclusively debt-oriented MFs is not. </font></p><p align="justify"><font >Hence, faced with the prospect of ever-larger sums of bank funds being invested in MFs, the RBI is reportedly toying with the idea of doing what it does best: laying down some more rules! It is contemplating bringing investment debt MFs within a separate overall cap for MFs. </font></p><p align="justify"><font >On paper, this might seem a good way of saving banks from their own folly. Except that there is a limit to how far the RBI can do this. For one, funds are fungible and if banks wish, they can always find ways to circumvent the tightest of regulations. </font></p><p align="justify"><font >For instance, there is nothing to prevent a corporate from borrowing from a bank and using the funds to invest in the stock market. In practice, it is next to impossible to monitor the end-use of funds. It would, therefore, be far better for the RBI to caution banks of the dangers of excess stock market exposure, monitor their position through periodic inspection/feedback, and pull up those banks that it feels are excessively exposed rather than lay down even more strictures in a system that is already enormously rule-bound. </font></p><p align="justify"><font >As long as the RBI continues to micro-manage banks, it is unlikely bank boards will ever play the role expected of them. Beyond that, the RBI would do well to examine whether banks&rsquo; growing investment in MFs is symptomatic of a graver macro-economic disequilibrium: excess liquidity in the system.&nbsp; </font></p>                                                           
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    <br><a href="http://economictimes.indiatimes.com/opinion/editorial/End-hand-holding-Let-banks-grow-up/articleshow/5320851.cms" class="re" target="_blank">The Economic Times, 10 December, 2009, http://economictimes.indiatimes.com/opinion/editorial/End-hand-holding-Let-banks-grow-up/articleshow/5320851.cms</a><div class="clear"></div>
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The RBI has reason to be concerned. Banks&rsquo; exposure to mutual funds (MFs) has more than trebled, from Rs 45,000 crore to Rs 1,64,000 crore, during March-November 2009. 


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The RBI has reason to be concerned. Banks&rsquo; exposure to mutual funds (MFs) has more than trebled, from Rs 45,000 crore to Rs 1,64,000 crore, during March-November 2009. 


The RBI is worried that stock market volatility could impact banks and,..." />
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    <h1 class="cat-box-title">End hand-holding: Let banks grow up</h1>
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                            <p align="justify"><font >The RBI has reason to be concerned. Banks&rsquo; exposure to mutual funds (MFs) has more than trebled, from Rs 45,000 crore to Rs 1,64,000 crore, during March-November 2009. </font></p><p align="justify"><font >The RBI is worried that stock market volatility could impact banks and, hence, endanger financial stability. Hence, the overall cap on stock market exposure as part of macro-prudential regulation. Currently, the aggregate exposure of a bank to the capital markets in all forms (both fund-based and non-fund-based) is capped at 40% of its net worth at the end of the previous year, with direct exposure capped at 20%. However, the problem is that while investment in equity-oriented MFs is included within the direct exposure limit, investment in exclusively debt-oriented MFs is not. </font></p><p align="justify"><font >Hence, faced with the prospect of ever-larger sums of bank funds being invested in MFs, the RBI is reportedly toying with the idea of doing what it does best: laying down some more rules! It is contemplating bringing investment debt MFs within a separate overall cap for MFs. </font></p><p align="justify"><font >On paper, this might seem a good way of saving banks from their own folly. Except that there is a limit to how far the RBI can do this. For one, funds are fungible and if banks wish, they can always find ways to circumvent the tightest of regulations. </font></p><p align="justify"><font >For instance, there is nothing to prevent a corporate from borrowing from a bank and using the funds to invest in the stock market. In practice, it is next to impossible to monitor the end-use of funds. It would, therefore, be far better for the RBI to caution banks of the dangers of excess stock market exposure, monitor their position through periodic inspection/feedback, and pull up those banks that it feels are excessively exposed rather than lay down even more strictures in a system that is already enormously rule-bound. </font></p><p align="justify"><font >As long as the RBI continues to micro-manage banks, it is unlikely bank boards will ever play the role expected of them. Beyond that, the RBI would do well to examine whether banks&rsquo; growing investment in MFs is symptomatic of a graver macro-economic disequilibrium: excess liquidity in the system.&nbsp; </font></p>                                                           
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    <br><a href="http://economictimes.indiatimes.com/opinion/editorial/End-hand-holding-Let-banks-grow-up/articleshow/5320851.cms" class="re" target="_blank">The Economic Times, 10 December, 2009, http://economictimes.indiatimes.com/opinion/editorial/End-hand-holding-Let-banks-grow-up/articleshow/5320851.cms</a><div class="clear"></div>
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The RBI has reason to be concerned. Banks&rsquo; exposure to mutual funds (MFs) has more than trebled, from Rs 45,000 crore to Rs 1,64,000 crore, during March-November 2009. 


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The RBI has reason to be concerned. Banks&rsquo; exposure to mutual funds (MFs) has more than trebled, from Rs 45,000 crore to Rs 1,64,000 crore, during March-November 2009. 


The RBI is worried that stock market volatility could impact banks and,..." />
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    <h1 class="cat-box-title">End hand-holding: Let banks grow up</h1>
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                            <p align="justify"><font >The RBI has reason to be concerned. Banks&rsquo; exposure to mutual funds (MFs) has more than trebled, from Rs 45,000 crore to Rs 1,64,000 crore, during March-November 2009. </font></p><p align="justify"><font >The RBI is worried that stock market volatility could impact banks and, hence, endanger financial stability. Hence, the overall cap on stock market exposure as part of macro-prudential regulation. Currently, the aggregate exposure of a bank to the capital markets in all forms (both fund-based and non-fund-based) is capped at 40% of its net worth at the end of the previous year, with direct exposure capped at 20%. However, the problem is that while investment in equity-oriented MFs is included within the direct exposure limit, investment in exclusively debt-oriented MFs is not. </font></p><p align="justify"><font >Hence, faced with the prospect of ever-larger sums of bank funds being invested in MFs, the RBI is reportedly toying with the idea of doing what it does best: laying down some more rules! It is contemplating bringing investment debt MFs within a separate overall cap for MFs. </font></p><p align="justify"><font >On paper, this might seem a good way of saving banks from their own folly. Except that there is a limit to how far the RBI can do this. For one, funds are fungible and if banks wish, they can always find ways to circumvent the tightest of regulations. </font></p><p align="justify"><font >For instance, there is nothing to prevent a corporate from borrowing from a bank and using the funds to invest in the stock market. In practice, it is next to impossible to monitor the end-use of funds. It would, therefore, be far better for the RBI to caution banks of the dangers of excess stock market exposure, monitor their position through periodic inspection/feedback, and pull up those banks that it feels are excessively exposed rather than lay down even more strictures in a system that is already enormously rule-bound. </font></p><p align="justify"><font >As long as the RBI continues to micro-manage banks, it is unlikely bank boards will ever play the role expected of them. Beyond that, the RBI would do well to examine whether banks&rsquo; growing investment in MFs is symptomatic of a graver macro-economic disequilibrium: excess liquidity in the system.&nbsp; </font></p>                                                           
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    <br><a href="http://economictimes.indiatimes.com/opinion/editorial/End-hand-holding-Let-banks-grow-up/articleshow/5320851.cms" class="re" target="_blank">The Economic Times, 10 December, 2009, http://economictimes.indiatimes.com/opinion/editorial/End-hand-holding-Let-banks-grow-up/articleshow/5320851.cms</a><div class="clear"></div>
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End hand-holding: Let banks grow up

Published on Dec 9, 2009

Modified on Dec 9, 2009

The RBI has reason to be concerned. Banks’ exposure to mutual funds (MFs) has more than trebled, from Rs 45,000 crore to Rs 1,64,000 crore, during March-November 2009.

The RBI is worried that stock market volatility could impact banks and, hence, endanger financial stability. Hence, the overall cap on stock market exposure as part of macro-prudential regulation. Currently, the aggregate exposure of a bank to the capital markets in all forms (both fund-based and non-fund-based) is capped at 40% of its net worth at the end of the previous year, with direct exposure capped at 20%. However, the problem is that while investment in equity-oriented MFs is included within the direct exposure limit, investment in exclusively debt-oriented MFs is not.

Hence, faced with the prospect of ever-larger sums of bank funds being invested in MFs, the RBI is reportedly toying with the idea of doing what it does best: laying down some more rules! It is contemplating bringing investment debt MFs within a separate overall cap for MFs.

On paper, this might seem a good way of saving banks from their own folly. Except that there is a limit to how far the RBI can do this. For one, funds are fungible and if banks wish, they can always find ways to circumvent the tightest of regulations.

For instance, there is nothing to prevent a corporate from borrowing from a bank and using the funds to invest in the stock market. In practice, it is next to impossible to monitor the end-use of funds. It would, therefore, be far better for the RBI to caution banks of the dangers of excess stock market exposure, monitor their position through periodic inspection/feedback, and pull up those banks that it feels are excessively exposed rather than lay down even more strictures in a system that is already enormously rule-bound.

As long as the RBI continues to micro-manage banks, it is unlikely bank boards will ever play the role expected of them. Beyond that, the RBI would do well to examine whether banks’ growing investment in MFs is symptomatic of a graver macro-economic disequilibrium: excess liquidity in the system.

The Economic Times, 10 December, 2009, http://economictimes.indiatimes.com/opinion/editorial/End-hand-holding-Let-banks-grow-up/articleshow/5320851.cms