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The recently concluded COP 28 has, once again, flood lighted the need for focused and positive action to facilitate movement towards a low carbon ecosystem and therefore a sustainable future for all. ...
There were two primary principles that I touched in my previous blog Climate change Management- whose job is it anyway. The first is, boundary definitions with clear responsibility/ accountability f...
Well, the answer is obvious isn’t it – it is “EVERYBODY’s, you would say. There lies the difficulty. One of the first management lesson’s is never to make any job “everybody’s” as it has two risks inh...
“Never take your eyes off the cash flow because it is the life blood of business” Richard Branson. I had, in my earlier blogs spoken of Margin compression- the P&L Story and Capital compression- ...
Is it relevant to talk of profitability during Covid times some might ask? It is and HOW!! Healthy banks are sine qua non to support pandemic induced distressed economy & customers whether it is ...
Tracing the evolving banking scenario in and around the pandemic, through the lens of “shrunken transactions” a harbinger in many ways. The intensity of the impact may vary, but both individuals and...
Since the last post, other banker friends joined the conversation of shrunken transactions and the resultant Margin compression. As I said in the first blog, the trigger was a sizeable fall in the tra...
I have always maintained that at a fundamental level commercial banking, as the name itself suggests, is a business and has the core values and principles of a commercial enterprise - that of Liquidit...
I had, in my last blog, said “The objective of Industrialization is to drive innovation and efficiency by reengineering the value chain to add measurable value”. In this blog, I take a deeper dive int...
The word “Industrialization” brings to mind manufacturing Industry, particularly automobile Industry. It was the 1950s, faced with unprecedent change, automobile industry took to Industrialization tha...
It depends on who is answering that question. Really!! It is a single uniform regulation at the ECB (European Central Bank) level with clearly spelt our coverage. To ECB’s credit they have given compr...
I am quite fascinated with the European Central Bank’s (ECB’s) AnaCredit Regulation that came into effect on 18th May 2016 – A regulation that requires granular credit data sets from the national cent...