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\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]
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                            <div align="justify">-Outlook<br /><br /><em>Scary Bail-in clause in FRDI Bill cleared by the Union Cabinet in June 2017 allows banks to finance themselves using depositors money.<br /></em><br />Priding themselves for being 'cash-less' post demonetization last year, some Indians may come face to face with a horrific post-apocalyptic future where they could be deposit-less too. Yes, this could be a reality unless the government of the day removes the unholy 'bail-in' clause that theoretically allows beleaguered banks and financial institutions to legally usurp depositors' money in a desperate bid to stop going bust. What will happen if one day you find your hard-earned money just disappear forever? We live in times when bank deposits are the gold standard of safety, but that sheen can quickly fade away.<br /><br />Recently, the Indian government gave the banking system a $32 billion shot in the arm. The massive recapitalization scheme was required because some state-run banks are loaded with mountains of dodgy loans. Estimates show 10-12% of all loans made in India have turned bad, or as they say in banking parlance, have become 'non-performing'. What will happen if another crisis hits the banking system? The answer to this question depends on The Financial Resolution and Deposit Insurance (FRDI) Bill, 2017. If this bill goes through in its current form, some of you as depositors may end up financing the next multi-billion shot in the arm the Indian banks would require the next time, and the next time, and the next time.<br /><br />The FRDI Bill was cleared by the Union Cabinet cleared in June 2017. Last heard, the bill was under the consideration of a parliamentary committee. While the bill when it becomes a law will lead to the birth of a Resolution Corporation which will exercise control over banks, insurance companies, and other financial institutions, it contains the hair-raising 'bail-in' clause that has serious consequences for even common depositors. You may have heard about 'bail-out', where an individual, entity or the government gives money to a failing business to prevent it from going kaput. A 'bail-in' is exactly the opposite, which involves rescuing a financial institution on the brink of failure by making its creditors and depositors take a loss on their holdings. In banking terms, depositors are considered unsecured creditors since no depositor seeks security from banks to keep the money.<br /><br />Please <a href="https://www.outlookindia.com/website/story/preparing-for-cyprus-moment-centre-may-allow-banks-to-use-your-hard-earned-depos/305263" title="https://www.outlookindia.com/website/story/preparing-for-cyprus-moment-centre-may-allow-banks-to-use-your-hard-earned-depos/305263">click here</a> to read more. <br /></div>                                                           
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    <h1 class="cat-box-title">Preparing For Cyprus Moment: Centre May Allow Banks To Use Your Hard-Earned Deposits In Case It Collapses -Kumar Shankar Roy</h1>
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                            <div align="justify">-Outlook<br /><br /><em>Scary Bail-in clause in FRDI Bill cleared by the Union Cabinet in June 2017 allows banks to finance themselves using depositors money.<br /></em><br />Priding themselves for being 'cash-less' post demonetization last year, some Indians may come face to face with a horrific post-apocalyptic future where they could be deposit-less too. Yes, this could be a reality unless the government of the day removes the unholy 'bail-in' clause that theoretically allows beleaguered banks and financial institutions to legally usurp depositors' money in a desperate bid to stop going bust. What will happen if one day you find your hard-earned money just disappear forever? We live in times when bank deposits are the gold standard of safety, but that sheen can quickly fade away.<br /><br />Recently, the Indian government gave the banking system a $32 billion shot in the arm. The massive recapitalization scheme was required because some state-run banks are loaded with mountains of dodgy loans. Estimates show 10-12% of all loans made in India have turned bad, or as they say in banking parlance, have become 'non-performing'. What will happen if another crisis hits the banking system? The answer to this question depends on The Financial Resolution and Deposit Insurance (FRDI) Bill, 2017. If this bill goes through in its current form, some of you as depositors may end up financing the next multi-billion shot in the arm the Indian banks would require the next time, and the next time, and the next time.<br /><br />The FRDI Bill was cleared by the Union Cabinet cleared in June 2017. Last heard, the bill was under the consideration of a parliamentary committee. While the bill when it becomes a law will lead to the birth of a Resolution Corporation which will exercise control over banks, insurance companies, and other financial institutions, it contains the hair-raising 'bail-in' clause that has serious consequences for even common depositors. You may have heard about 'bail-out', where an individual, entity or the government gives money to a failing business to prevent it from going kaput. A 'bail-in' is exactly the opposite, which involves rescuing a financial institution on the brink of failure by making its creditors and depositors take a loss on their holdings. In banking terms, depositors are considered unsecured creditors since no depositor seeks security from banks to keep the money.<br /><br />Please <a href="https://www.outlookindia.com/website/story/preparing-for-cyprus-moment-centre-may-allow-banks-to-use-your-hard-earned-depos/305263" title="https://www.outlookindia.com/website/story/preparing-for-cyprus-moment-centre-may-allow-banks-to-use-your-hard-earned-depos/305263">click here</a> to read more. <br /></div>                                                           
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                            <div align="justify">-Outlook<br /><br /><em>Scary Bail-in clause in FRDI Bill cleared by the Union Cabinet in June 2017 allows banks to finance themselves using depositors money.<br /></em><br />Priding themselves for being 'cash-less' post demonetization last year, some Indians may come face to face with a horrific post-apocalyptic future where they could be deposit-less too. Yes, this could be a reality unless the government of the day removes the unholy 'bail-in' clause that theoretically allows beleaguered banks and financial institutions to legally usurp depositors' money in a desperate bid to stop going bust. What will happen if one day you find your hard-earned money just disappear forever? We live in times when bank deposits are the gold standard of safety, but that sheen can quickly fade away.<br /><br />Recently, the Indian government gave the banking system a $32 billion shot in the arm. The massive recapitalization scheme was required because some state-run banks are loaded with mountains of dodgy loans. Estimates show 10-12% of all loans made in India have turned bad, or as they say in banking parlance, have become 'non-performing'. What will happen if another crisis hits the banking system? The answer to this question depends on The Financial Resolution and Deposit Insurance (FRDI) Bill, 2017. If this bill goes through in its current form, some of you as depositors may end up financing the next multi-billion shot in the arm the Indian banks would require the next time, and the next time, and the next time.<br /><br />The FRDI Bill was cleared by the Union Cabinet cleared in June 2017. Last heard, the bill was under the consideration of a parliamentary committee. While the bill when it becomes a law will lead to the birth of a Resolution Corporation which will exercise control over banks, insurance companies, and other financial institutions, it contains the hair-raising 'bail-in' clause that has serious consequences for even common depositors. You may have heard about 'bail-out', where an individual, entity or the government gives money to a failing business to prevent it from going kaput. A 'bail-in' is exactly the opposite, which involves rescuing a financial institution on the brink of failure by making its creditors and depositors take a loss on their holdings. In banking terms, depositors are considered unsecured creditors since no depositor seeks security from banks to keep the money.<br /><br />Please <a href="https://www.outlookindia.com/website/story/preparing-for-cyprus-moment-centre-may-allow-banks-to-use-your-hard-earned-depos/305263" title="https://www.outlookindia.com/website/story/preparing-for-cyprus-moment-centre-may-allow-banks-to-use-your-hard-earned-depos/305263">click here</a> to read more. <br /></div>                                                           
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    <br><a href="https://www.outlookindia.com/website/story/preparing-for-cyprus-moment-centre-may-allow-banks-to-use-your-hard-earned-depos/305263" class="re" target="_blank">Outlook, 7 December, 2017, https://www.outlookindia.com/website/story/preparing-for-cyprus-moment-centre-may-allow-banks-to-use-your-hard-earned-depos/305263</a><div class="clear"></div>
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Preparing For Cyprus Moment: Centre May Allow Banks To Use Your Hard-Earned Deposits In Case It Collapses -Kumar Shankar Roy

Published on Dec 7, 2017   Modified on Dec 7, 2017

-Outlook Scary Bail-in clause in FRDI Bill cleared by the Union Cabinet in June 2017 allows banks to finance themselves using depositors money. Priding themselves for being 'cash-less' post demonetization last year, some Indians may come face to face with a horrific post-apocalyptic future where they could be deposit-less too. Yes, this could be a reality unless the government of the day removes the unholy 'bail-in' clause that theoretically allows beleaguered banks and financial institutions to legally usurp depositors' money in a desperate bid to stop going bust. What will happen if one day you find your hard-earned money just disappear forever? We live in times when bank deposits are the gold standard of safety, but that sheen can quickly fade away. Recently, the Indian government gave the banking system a $32 billion shot in the arm. The massive recapitalization scheme was required because some state-run banks are loaded with mountains of dodgy loans. Estimates show 10-12% of all loans made in India have turned bad, or as they say in banking parlance, have become 'non-performing'. What will happen if another crisis hits the banking system? The answer to this question depends on The Financial Resolution and Deposit Insurance (FRDI) Bill, 2017. If this bill goes through in its current form, some of you as depositors may end up financing the next multi-billion shot in the arm the Indian banks would require the next time, and the next time, and the next time. The FRDI Bill was cleared by the Union Cabinet cleared in June 2017. Last heard, the bill was under the consideration of a parliamentary committee. While the bill when it becomes a law will lead to the birth of a Resolution Corporation which will exercise control over banks, insurance companies, and other financial institutions, it contains the hair-raising 'bail-in' clause that has serious consequences for even common depositors. You may have heard about 'bail-out', where an individual, entity or the government gives money to a failing business to prevent it from going kaput. A 'bail-in' is exactly the opposite, which involves rescuing a financial institution on the brink of failure by making its creditors and depositors take a loss on their holdings. In banking terms, depositors are considered unsecured creditors since no depositor seeks security from banks to keep the money. Please click here to read more.

Outlook, 7 December, 2017, https://www.outlookindia.com/website/story/preparing-for-cyprus-moment-centre-may-allow-banks-to-use-your-hard-earned-depos/305263

Tagged with: Financial Resolution and Deposit Insurance (FRDI) Bill Non-Performing Assets Non-Performing Assets (NPAs) Banking Reforms Bail-in Bank Deposits

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