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]
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 150
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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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
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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')) {

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-The Hindu Business Line

The Centre and the JPC must allay depositor concerns on bail-in, in the FRDI Bill

There is furious public debate around the Financial Resolution and Deposit Insurance (FRDI) Bill tabled in August and now under the scrutiny of..."/>
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-The Hindu Business Line

The Centre and the JPC must allay depositor concerns on bail-in, in the FRDI Bill

There is furious public debate around the Financial Resolution and Deposit Insurance (FRDI) Bill tabled in August and now under the scrutiny of..." />
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                            <div align="justify">-The Hindu Business Line<br /><br /><em>The Centre and the JPC must allay depositor concerns on bail-in, in the FRDI Bill<br /></em><br />There is furious public debate around the Financial Resolution and Deposit Insurance (FRDI) Bill tabled in August and now under the scrutiny of a Joint Parliamentary Committee. The Bill seeks to lay down a clear resolution mechanism for banks and financial firms in the case of default and this is welcome. But there&rsquo;s one clause that is sending ripples of unease among savers. Clause 52 of the Bill empowers the Resolution Corporation overseeing bank defaults to use a bail-in provision against creditors to absorb losses. In invoking this bail-in, the Corporation can cancel any of the bank&rsquo;s liabilities or change their terms. The Bill also seeks to repeal the Deposit Insurance and Credit Guarantee Corporation (DICGC) Act of 1961, handing over this role to the new Resolution Corporation. Speculation is rife that the Centre is planning to take the route taken by regimes such as Cyprus, where public deposits were cancelled to fund bank haircuts on bad loans.<br /><br />No doubt, some of the alarmist headlines arise from an incomplete reading of the draft Bill. For one, clause 52 clearly exempts deposits covered by deposit insurance from the purview of bail-ins. Two, the Bill requires banks to first incorporate a bail-in clause into their creditor contracts. Three, even today, depositors in Indian banks are protected only to the extent of the insurance cover provided by the DICGC which stands at ?1 lakh per bank. Depositors who hold in excess of this can even today be subjected to &lsquo;bail-in&rsquo; if a bank fails. In truth though, with public sector banks (PSBs) holding the lion&rsquo;s share of deposits and the RBI stepping in to rescue shaky banks in the past, most Indian savers are unaware of this rule and put faith in banks presuming an implicit sovereign guarantee. But given the precarious state of some PSB balance sheets, and the fact that crores of Indians have just embraced banking through the Jan Dhan Yojana, this is a particularly bad time for lawmakers to test this faith. The Centre should redraft the ambiguously worded portions of the Bill to clarify if deposits will be subject to bail-ins, and if so, with what basic protections.<br /><br />Please <a href="http://www.thehindubusinessline.com/opinion/editorial/india-government-jpc-depositor-concerns-bail-in-frdi-bill/article9988389.ece?homepage=true" title="http://www.thehindubusinessline.com/opinion/editorial/india-government-jpc-depositor-concerns-bail-in-frdi-bill/article9988389.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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                            <div align="justify">-The Hindu Business Line<br /><br /><em>The Centre and the JPC must allay depositor concerns on bail-in, in the FRDI Bill<br /></em><br />There is furious public debate around the Financial Resolution and Deposit Insurance (FRDI) Bill tabled in August and now under the scrutiny of a Joint Parliamentary Committee. The Bill seeks to lay down a clear resolution mechanism for banks and financial firms in the case of default and this is welcome. But there&rsquo;s one clause that is sending ripples of unease among savers. Clause 52 of the Bill empowers the Resolution Corporation overseeing bank defaults to use a bail-in provision against creditors to absorb losses. In invoking this bail-in, the Corporation can cancel any of the bank&rsquo;s liabilities or change their terms. The Bill also seeks to repeal the Deposit Insurance and Credit Guarantee Corporation (DICGC) Act of 1961, handing over this role to the new Resolution Corporation. Speculation is rife that the Centre is planning to take the route taken by regimes such as Cyprus, where public deposits were cancelled to fund bank haircuts on bad loans.<br /><br />No doubt, some of the alarmist headlines arise from an incomplete reading of the draft Bill. For one, clause 52 clearly exempts deposits covered by deposit insurance from the purview of bail-ins. Two, the Bill requires banks to first incorporate a bail-in clause into their creditor contracts. Three, even today, depositors in Indian banks are protected only to the extent of the insurance cover provided by the DICGC which stands at ?1 lakh per bank. Depositors who hold in excess of this can even today be subjected to &lsquo;bail-in&rsquo; if a bank fails. In truth though, with public sector banks (PSBs) holding the lion&rsquo;s share of deposits and the RBI stepping in to rescue shaky banks in the past, most Indian savers are unaware of this rule and put faith in banks presuming an implicit sovereign guarantee. But given the precarious state of some PSB balance sheets, and the fact that crores of Indians have just embraced banking through the Jan Dhan Yojana, this is a particularly bad time for lawmakers to test this faith. The Centre should redraft the ambiguously worded portions of the Bill to clarify if deposits will be subject to bail-ins, and if so, with what basic protections.<br /><br />Please <a href="http://www.thehindubusinessline.com/opinion/editorial/india-government-jpc-depositor-concerns-bail-in-frdi-bill/article9988389.ece?homepage=true" title="http://www.thehindubusinessline.com/opinion/editorial/india-government-jpc-depositor-concerns-bail-in-frdi-bill/article9988389.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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                            <div align="justify">-The Hindu Business Line<br /><br /><em>The Centre and the JPC must allay depositor concerns on bail-in, in the FRDI Bill<br /></em><br />There is furious public debate around the Financial Resolution and Deposit Insurance (FRDI) Bill tabled in August and now under the scrutiny of a Joint Parliamentary Committee. The Bill seeks to lay down a clear resolution mechanism for banks and financial firms in the case of default and this is welcome. But there&rsquo;s one clause that is sending ripples of unease among savers. Clause 52 of the Bill empowers the Resolution Corporation overseeing bank defaults to use a bail-in provision against creditors to absorb losses. In invoking this bail-in, the Corporation can cancel any of the bank&rsquo;s liabilities or change their terms. The Bill also seeks to repeal the Deposit Insurance and Credit Guarantee Corporation (DICGC) Act of 1961, handing over this role to the new Resolution Corporation. Speculation is rife that the Centre is planning to take the route taken by regimes such as Cyprus, where public deposits were cancelled to fund bank haircuts on bad loans.<br /><br />No doubt, some of the alarmist headlines arise from an incomplete reading of the draft Bill. For one, clause 52 clearly exempts deposits covered by deposit insurance from the purview of bail-ins. Two, the Bill requires banks to first incorporate a bail-in clause into their creditor contracts. Three, even today, depositors in Indian banks are protected only to the extent of the insurance cover provided by the DICGC which stands at ?1 lakh per bank. Depositors who hold in excess of this can even today be subjected to &lsquo;bail-in&rsquo; if a bank fails. In truth though, with public sector banks (PSBs) holding the lion&rsquo;s share of deposits and the RBI stepping in to rescue shaky banks in the past, most Indian savers are unaware of this rule and put faith in banks presuming an implicit sovereign guarantee. But given the precarious state of some PSB balance sheets, and the fact that crores of Indians have just embraced banking through the Jan Dhan Yojana, this is a particularly bad time for lawmakers to test this faith. The Centre should redraft the ambiguously worded portions of the Bill to clarify if deposits will be subject to bail-ins, and if so, with what basic protections.<br /><br />Please <a href="http://www.thehindubusinessline.com/opinion/editorial/india-government-jpc-depositor-concerns-bail-in-frdi-bill/article9988389.ece?homepage=true" title="http://www.thehindubusinessline.com/opinion/editorial/india-government-jpc-depositor-concerns-bail-in-frdi-bill/article9988389.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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Home हिन्दी

Needs a rethink

Published on Dec 11, 2017   Modified on Dec 11, 2017

-The Hindu Business Line The Centre and the JPC must allay depositor concerns on bail-in, in the FRDI Bill There is furious public debate around the Financial Resolution and Deposit Insurance (FRDI) Bill tabled in August and now under the scrutiny of a Joint Parliamentary Committee. The Bill seeks to lay down a clear resolution mechanism for banks and financial firms in the case of default and this is welcome. But there’s one clause that is sending ripples of unease among savers. Clause 52 of the Bill empowers the Resolution Corporation overseeing bank defaults to use a bail-in provision against creditors to absorb losses. In invoking this bail-in, the Corporation can cancel any of the bank’s liabilities or change their terms. The Bill also seeks to repeal the Deposit Insurance and Credit Guarantee Corporation (DICGC) Act of 1961, handing over this role to the new Resolution Corporation. Speculation is rife that the Centre is planning to take the route taken by regimes such as Cyprus, where public deposits were cancelled to fund bank haircuts on bad loans. No doubt, some of the alarmist headlines arise from an incomplete reading of the draft Bill. For one, clause 52 clearly exempts deposits covered by deposit insurance from the purview of bail-ins. Two, the Bill requires banks to first incorporate a bail-in clause into their creditor contracts. Three, even today, depositors in Indian banks are protected only to the extent of the insurance cover provided by the DICGC which stands at ?1 lakh per bank. Depositors who hold in excess of this can even today be subjected to ‘bail-in’ if a bank fails. In truth though, with public sector banks (PSBs) holding the lion’s share of deposits and the RBI stepping in to rescue shaky banks in the past, most Indian savers are unaware of this rule and put faith in banks presuming an implicit sovereign guarantee. But given the precarious state of some PSB balance sheets, and the fact that crores of Indians have just embraced banking through the Jan Dhan Yojana, this is a particularly bad time for lawmakers to test this faith. The Centre should redraft the ambiguously worded portions of the Bill to clarify if deposits will be subject to bail-ins, and if so, with what basic protections. Please click here to read more.

The Hindu Business Line, 10 December, 2017, http://www.thehindubusinessline.com/opinion/editorial/india-government-jpc-depositor-concerns-bail-in-frdi-bill/article9988389.ece?homepage=true

Tagged with: Bail-in Banking Reforms Financial Resolution and Deposit Insurance (FRDI) Bill banking

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