MUMBAI, India, July 24 -- Intellectual Property India has published a patent application (202631080068 A) filed by Rituparna Das; Mononita Kundu Das; and Deepak Arya on June 29, 2026, for Adverse Impact Of Interest Rate Risk Facing The Banks In India During April-May 2011.
Inventor includes Rituparna Das.
The application for the patent was published on July 17, 2026, under issue no. 29/2026.
Abstract: Non-occurrence of the banking crises in India like those in the mature economies of Germany, Japan, Norway, Spain, UK, and USA is not because Indian banks are strong in terms of risk management expertise and healthy in terms of capital, but because the public sector undertaking banks holding majority of businesses in terms of deposits and loans get solutions or waivers from the regulator for the problems they cannot manage and get capital infusion from the government. In the circumstances of the interest rate scenario composed of basis movement and yield curve mapped on the period during April-May 2011 the work finds that a new born bank with the asset-liability maturity structure common with those facing the banks in India was likely to face the risk of reduction in the net interest income and economic value of equity.
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