Saturday, September 29, 2012

Lying LIBOR

Lying LIBOR


------------

Benchmark rate was

Fraudulent rate

Administered rate by

Association of Banks

Billion dollars fine on

Trillion dollars transactions

Reviewed and replaced with

Regulatory rate

Based on estimates to

Based on actuals

------------------Nagendra Bharathi

Wednesday, September 26, 2012

Names and games

Names and games


-----------------

Fiscal cliff in

United States

Ring fencing in

United Kingdom

Troika effect in

European continent

Animal spirit in

Indian Continent

Names are said

Games are set

---------------------Nagendra Bharathi

Sunday, September 23, 2012

Faces of banking

Faces of banking


------------------

Commercial banking is

Trade and FX

Private banking is

Cards and funds

Retail banking is

Loans and deposits

Investment banking is

Dealing and broking

Intermediary banking is

Efficient deed

International banking is

Integrated greed

---------------------Nagendra Bharathi

Saturday, September 22, 2012

five-Phone


five-Phone

------------

iPad mini is

iPhone five

Thinner faster

Trailing map

What else new

Same old wine

Innovation needs

Incubation time

Steve Jobs smiles

Sends his spirit

-------------------Nagendra Bharathi

Friday, September 21, 2012

Consumption controls

Consumption controls


---------------------

Rates and ratios are

Reserve bank tools

Taxes and subsidies are

Government tools

Liquidity released

Investment allowed

Consumption patterns

Controlled by people

Oil is carriage

Gold is marriage

------------------Nagendra Bharathi

Thursday, September 20, 2012

Foreign investment

Foreign investment


------------------

Positive and negative

Foreign investment



Good for employment

Bad for small business



Good for supply chain

Bad for Land owners



Good for price control

Bad for bargain power



Governance and control

Keywords for success

-------------------Nagendra Bharathi

Monday, September 17, 2012

Real time risk

Real time risk


------------------

Core components of

Quality capital



Present and future

Parameters of risk



Credit and Market

Leverage and Liquidity



Operational risks

On and Off balance sheet



Regulate and report

Real time risk

---------------------Nagendra Bharathi

Saturday, September 15, 2012

Rating or voting


Rating or voting

----------------

Rating fear

Releases retail

Voting fear

Regulates retail

Rating fear

Restricts subsidy

Voting fear

Retains subsidy

Rating agencies or

Voting people

------------------Nagendra Bharathi

Friday, September 14, 2012

Election easing

Election easing


----------------

Easy money to

Increase employment

Inflation is not

Immediate issue

Quantitative easing

One two three..

Qualitative effect for

Barack Obama

Economic stimulus at

Election time

-------------------Nagendra Bharathi

Friday, September 7, 2012

To Euro or not to Euro

To Euro or not to Euro


----------------------

To Euro or not to Euro

That is the question

European central bank

Insists on bond buying

German central bank

Sense it as danger

Country of last resort

Controls the final word

Wait and watch game to

Continue forever

----------------Nagendra Bharathi

Wednesday, September 5, 2012

Red tail banking

Red tail banking


-----------------

Provisioning norms for

Known risks

Capital norms for

Unknown risks

Interest loss reserves with

Central Bank

Interest less loans with

Priority sector

Money market dull

Depositors nil

Retail banking is

Red tail banking

-------------------Nagendra Bharathi

Tuesday, September 4, 2012

Financial risk management

Financial risk management


--------------------------

Probability of

Party default

Probability of

Price decline

Probability of

Process failure

Probability of

Funds shortage

Probability of

Balance leverage

Possibility of

Basel three

------------------Nagendra Bharathi

Business intelligence

Business intelligence


-----------------------

Common definition of

Dimension data

Concurrent update of

Fact data

Complete view of

Key entities

Concise pictures of

Dynamic graphs

Current, past and

Future perfect

---------------------Nagendra Bharathi

Process improvement

Process improvement


-------------------

Sense the stagnancy and

Change the process

Stakeholders' support to

Seek and sustain

Improving process is

Iterative activity

Deliver the results that

Transform the bottomline

Enhanced process to

Improve the topline

------------------------Nagendra Bharathi

Loophole dream

Loophole dream


--------------

Leave the loopholes to

Leverage the corruption

Enlarge the loopholes to

Enable big entries

Add new loopholes to

Attract foreign investment

Developing country to

Developed status

Dream to mountain with

Poverty at mine

------------------Nagendra Bharathi

Monday, September 3, 2012

Five point five

Five point five


------------------

In spite of  inaction

India grows

Construction commands

Manufacture mellows

Uses are up

Sources are down

Positive signal to

Build up the base

Country and corruption

Concurrently grow

-------------------Nagendra Bharathi

Patent war


Patent war

------------

Squares are patented

Circles are patented

Rectangles are patented

Triangles are patented

Blacks are patented

Whites are patented

Reds are patented

Blues are patented

Change the design else

Charge in Billions

--------------------Nagendra Bharathi