Nithya Subramanian
Nithya Subramanian, a deputy editor at Regulation Asia, has wide experience covering the financial sector in India and Singapore. She has written extensively about wealth management, capital markets and insurance sectors tracking policy and corporate developments. Researching and writing about the South Asian diaspora settled in Singapore and the region is another area of interest. She has a post-graduate degree in English literature. Reach out to her at nithya@regulationasia.com
Articles by Nithya Subramanian
Payments & Settlements
Bangladesh Bank Scraps QR Payment Fees, Offers Incentives
12/08/2026
The central bank has eliminated interchange fees and introduced a new incentive scheme to drive the adoption of digital payments among small merchants.
Capital Adequacy
RBI Proposes Revised Capital Framework for Derivatives Risk
12/08/2026
New draft rules introduce a revised CVA framework, aligning with Basel III and offering a simplified approach for some banks.
Capital Adequacy
RBI Proposes Tighter Bank Leverage Norms, Buffers for G-SIBs
12/08/2026
Draft rules introduce a leverage ratio buffer for foreign G-SIB branches and align exposure calculations with the latest Basel III standards.
Conduct, Culture & Accountability
MAS Details Expectations on Culture to Remediate Risk Events
12/08/2026
MAS has detailed four key capabilities it expects firms to build to address the cultural root causes of recurring, serious risk events.
Anti-Money Laundering
India's Supreme Court Curbs ED Power to Freeze Bank Accounts
12/08/2026
The court has affirmed that the Enforcement Directorate cannot freeze accounts on mere suspicion and must provide documented 'reasons to believe'.
AI Risk & Governance
BOJ Survey Reveals Widespread GenAI Adoption, Risk Gaps
12/08/2026
Over 90 percent of Japanese financial institutions are using or testing GenAI, but the central bank warns of widening risk management deficits.
AI Risk & Governance
Malaysia's Audit Regulator to Scrutinise AI and Tech Risks
11/08/2026
Malaysia’s audit watchdog has signalled a new inspection focus on technology risks and introduced new rules on governance and transparency as firms increasingly adopt AI in their audit processes.
Credit Risk
India Proposes Overhaul of Lending Norms for Rural Co-op Banks
11/08/2026
The RBI has released draft rules to revise concentration risk limits and increase housing loan caps for the country's rural co-operative banks.
Credit Risk
RBI Finalises Loan Recovery Rules, Sets Strict Curbs on Agents
11/08/2026
A harmonised code of conduct for all regulated lenders introduces new rules on agent certification, borrower communication, and technology-based recovery.
Emerging Prudential Risks
RBI Releases 2026-27 List of Upper Layer NBFCs
11/08/2026
RBI has kept Tata Sons on the list, but noted that the firm has applied to surrender its registration.
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