Wednesday, November 28, 2012

Kingfisher is not Greece


Kingfisher is not Greece

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

Interest rate

Cut on loans



Maturity period

Get an extension



Repayment amount

Put on deferral



Funds to supply

Conditions to apply



Kingfisher is not Greece

Company is not country

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

Tuesday, November 27, 2012

Learning lessons

Learning lessons


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

Lesson learnt from

Barings' collapse

Lesson learnt from

Lehman failure

Lesson learnt from

Blue whale loss

Lesson learnt from

Adoboli scandal

Lessons are learned to

Forget and learn

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

Friday, November 23, 2012

Delivery models

Delivery models


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

T & M model is

Dead and gone

Output based

Model is born

Resource based to

Result based

Function points to

Function for customer

iGates opened the gate

Others to follow the route

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

Thursday, November 22, 2012

Egg or chicken

Egg or chicken


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

Egg or chicken

Growth or inflation



Growth is low for

Cost is high



Cost is high for

Assets are bad



Assets are bad for

Appraisals are sad



Appraisals are sad for

Risks are mad



Risks are mad for

Inflation is high

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

Wednesday, November 21, 2012

Big analytics

Big analytics


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

Likes in facebook

Clicks on webpage



Views in youtube

Tweets on twitter



Analog and digital

Audio and video



Data is derived as

Big data



Cloud has arrived as

Big process



BI has arrived as

Big analytics



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

Sunday, November 18, 2012

Double edged cliff

Double edged cliff


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

Increase in tax

Decrease in revenue



Decrease in revenue

Impact on growth



Decrease in spending

Increase in unemployment



Increase in unemployment

Impact on growth



Double edged cliff

Deep recession trip

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

Wednesday, November 14, 2012

Basel versions

Basel versions


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

'One size fits all'

Did not work

'One cylce fits all'

Do not work

'One rule fits all'

Will not work

Cost of capital to

Hurt the growth

Flexible versions to

Fit the banks

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

Tuesday, November 13, 2012

Sectoral equity


Sectoral equity

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

Festival mood

Retail goes up



Generic drugs

Pharma goes up



Change in rates

Banking goes up



Capital expenditure

Infra goes up



Earnings growth

Everything goes up

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

Sunday, November 11, 2012

Banking culture

Banking culture


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

Regulatory rules

Released in countries



KYC norms

Critical everywhere



AML act

Available very much



Greed for profit

Fraud still prevalent



Banking chiefs to

Bring back culture

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

Thursday, November 8, 2012

Cliffhanger

Cliffhanger


-----------

Fiscal cliff is

Hanging on U.S


End of spending

End of tax-cut


End of year this

End of all that


Elephant and Donkey to

End this impasse


Red and Blue to

Make it green

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

Wednesday, November 7, 2012

Basel four

Basel four


----------

Leverage ratios

Under review

Trading rules

Under review

Securitisation

Under review

Large exposures

Under review

Standardised approaches

Under review

Basel three to

Basel four

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

Tuesday, November 6, 2012

America votes

America votes


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

Health care vs

Wealth care

World peace vs

Cold war

Statesman vs

Business man

Barack Obama vs

Mitt Romney

America votes

World waits

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

Sunday, November 4, 2012

Funding for lending

Funding for lending


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

Average is mean as

Identified risk

Millions of dollars to

Maintain as provision

Standard deviation as

Systemic risk

Billions of dollars to

Basel capital

Where is the funding for

Lending to business

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

Saturday, November 3, 2012

Business process

Business process


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

Business is process

Technology is driver

Drive the process to

Differentiate service

Communication to

Convince the stakeholders

Cost and time to

Control the delivery

Transformation to

Delight the customer

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

Friday, November 2, 2012

Basel Pillars

Basel Pillars


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

Activity based

Operational data

Compliance based

Analytical data

Multiple systems to

Unified view

Bottom up information to

Top down intelligence

Facilitating all the

Pillars of Basel

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

Thursday, November 1, 2012

Interest in growth

Interest in growth


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

Fiscal policy in

Paper format

Paper to money

Pending on spending

Monetary policy in

Money format

CRR cut to

Generate money

Inflation or growth

Interest in both

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