Monday, December 30, 2013

Happy New Year

Happy New Year
---------------------------
Corrupt politics to
Common man politics

External issues to
Internal peace

Exclusive wealth to
Inclusive depth

'Rural to urban' to
'Urban to rural'

Happy New Year
Happens to say 'Cheer'
-----------------Nagendra Bharathi
http://www.nagendrabharathi.com

Thursday, December 26, 2013

Process improvement


Process improvement
---------------------------
Process strategy for
Better governance

Process design for
Better product

Process transition for
Better execution

Process operation for
Better service

Process improvement for
Better future
---------------------Nagendra Bharathi
http://www.nagendrabharathi.com

Business intelligence

Business intelligence
----------------------------
Back end cloud for
Bigger data

Front end ipad for
Flexible graphs

Middle end engine for
Match and search

Business intelligence for
Patterns and actions

Backward countries for
Batch outsourcing
-------------------Nagendra Bharathi
http://www.nagendrabharathi.com

Writing poetry

Writing poetry
---------------------
Writing poetry on
Goal and ball 

Goal is God
Ball is life

World is ground
Win or lose

In and out
Then and now

Think and write
Ink is bright
---------------Nagendra Bharathi
http://www.nagendrabharathi.com

Humor in mirrors

Humor in mirrors
-----------------------
Human errors are 
Humor in mirrors

Slipping of tongue to
Slipping off heels

Family quarrels to
Political barrels

Office politics to
Organised crimes

Hidden twist to
Sudden burst
-------------Nagendra Bharathi
http://www.nagendrabharathi.com

Thursday, December 19, 2013

Monsoon rate

Monsoon rate
------------------
Industry, business
Services are still

God of nature to
Nurture and fill

Agri culture is
Optimistic culture

Monsoon decides the
Marginal growth rate

Raghuram avoids the
Reserve Bank rate hike
----------------Nagendra Bharathi
http://www.nagendrabharathi.com

Tuesday, December 17, 2013

Banking analytics

Banking analytics
--------------------
As on date
Balance sheet

For the period
Profit and loss

During the period
Cash flow

Delivery channels
Disclosing figures

Pattern analysis
Predicting failure
---------------Nagendra Bharathi
http://www.nagendrabharathi.com

Friday, December 13, 2013

Triple branches

Triple branches
----------------------
Banking analytics for
Future cash flow

Business intelligence for
Decision to action

Process improvement for
Corporate governance

Triple branches to
Trouble dangers

Process tree for
Basel three
---------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Friday, November 29, 2013

License to Nil

License to Nil
-------------------
Low cost deposits from
Rural customers

High yield loans to
Urban customers

Exclusive profit is
Corporate objective

Inclusive growth is
Government objective

License to Nil except
LIC and Post office
-----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Thursday, November 28, 2013

Smart technology

Smart technology
-----------------------
Smart wig from
Sony for head

Smart glass from
Google for eyes

Smart watch from
Samsung for wrist

Parts of the body
Collecting data

Parts of the mind
Losing data
-----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Monday, November 25, 2013

Bitcoin miners

Bitcoin miners
--------------------
Virtual currency by
Virtual developer

Medium of exchange and
Storage of value

Accumulated in 'Wallets'
Associated with 'Webservices'

'Miners' to operate
'Blockchains' to record

Crypto currency to
Cripple dollar
-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Divided Love


Divided Love
------------------
One to one is
Generation X

One to many is
Generation Y

Many to many is
Generation Z

Period change to
Perception change

Divine love to
Divided love
----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Friday, November 22, 2013

Currency frenzy


Currency frenzy
---------------------
Greece in deflation
Germany in inflation

South to North
Debtor to creditor

Austerity measure or
Spending pressure

Interest rate to
Increase or decrease

Common europe in
Currency frenzy
------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Saturday, November 16, 2013

Capital model

Capital model
--------------------
Economic capital 
Increases profit

Regulatory capital
Decreases loss

Future capital to
Balance both

Common model to
Convince all

Stake holders and
State regulators
--------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Tuesday, November 5, 2013

Benchmark problems


Benchmark problems
----------------------------
Benchmark rates are
Problem rates

Predictive rate is
LIBOR rate

Average actual is
Currency rate

Average and predictions
Undergoing investigations

Interbank manipulated
International rates
-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Feasts are films

Feasts are films
----------------
Emotional gulping of
Incomplete sentences

Orderless noise with
Borderless music

Bones to crack and
Brains to track

History and geography in
Mystery and photography

East or west
Feasts are films
---------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Monday, November 4, 2013

Cycles of divisions


Cycles of divisions
--------------------------
Royal banks of
Any land into

Royal banks and
Banks of any land

Toxic assets to
Royal Banks

Taxable assets to
Banks of any land

Tax payers into
Cycles of divisions
-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Thursday, October 31, 2013

Everywhere Business Intelligence

Everywhere Business Intelligence
------------------------------------------
Enterprise small data to
External Big data

Centre based  datawarehouse to
Cloud based datawarehouse 

Time based update to
Event based update

Periodwise scorecard to
Realtime scorecard

Somewhere business intelligence to
Everywhere business intelligence
--------------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Wednesday, October 30, 2013

Rajan effect

Rajan effect
---------------
Increasing liquidity through
MSF rate cut

Decreasing inflation through
Repo rate up

Market responds with
Moderate growth

Reading the inflation is
Rajan's effect

Writing the growth is
Government's effort
------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Project processes

Project processes
------------------------
Initiating processes with
Project charter

Planning processes with
Project plan

Executing processes with
Project work

Controlling processes with
Project change

Closing processes with
Project success

Integrating processes with
Business case else

Ending processes with
Legal case mess
----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Tuesday, October 22, 2013

Configured figures

Configured figures
-------------------
GDP figure with
EDP data

World bank data
Central bank data

Ministry data
Planning data

Rating  data
Trading data

Configured figures
Contradict others
------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Tuesday, October 15, 2013

Global power

Global power
-------------------
Corporate power is
Government power

Government power is
Economic power

Economic power is
Social power

Social power is
Global power

Global power is
Shaking tower
-------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Monday, October 14, 2013

Evergreed red

Evergreed red
--------------------
Company law is
Being amended

IFR standard is 
Being adopted

Capital ratio is
Being altered

External governance
Execution hit 

Internal blood is
Evergreed red
-----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Thursday, October 10, 2013

Changing Rulers

Changing Rulers
-----------------------
Kings ruled with
Kinship rights

Aggressors ruled with
Army rights

Parties ruled with
Election rights

Coalition ruled with 
Corruption rights

Companies ruling with
Lobbying rights
-----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Wednesday, October 9, 2013

Capital cycle

Capital cycle
-----------------

Raise the capital to
Raise the debt

Raise the debt to
Raise the default

Raise the default to
Raise the NPA

Raise the NPA to
Raise the risk

Raise the risk to
Raise the capital
-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Tuesday, October 8, 2013

Dataless analytics


Dataless analytics
------------------------
'Shutdown' closed
Statistics department

No jobless data
No growth data

Daily, weekly
Datafeed missing

Forfeiting income of
Forecasting analysts

Gut feeling is
God of traders
--------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Friday, October 4, 2013

Global village

Global village
-------------------
Countries connected
Through economies

Economies connected 
Through markets

Markets connected
Through funds

Funds connected 
Through instruments

Instruments connected 
Through sentiments
--------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Monday, September 30, 2013

Sequence of sequester

Sequence of sequester
-------------------------------
Sequential file is
Without line feed

Sequester action is
Without budget feed

Obama care is
Welfare or waste

Funding bill first
Borrowing bill next

Senate and House
Staging the shutdown
-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Thursday, September 26, 2013

Gap analysis

Gap analysis
------------------
Capital  gap in
Billions of dollars

Liquidity gap in
Trillions of dollars

Increasing reserves and
Reducing risk

Postponing date to
Fill up the gap

Another Lehman is
Awaiting to pop
------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Sunday, September 22, 2013

Ben and Rajan

Ben and Rajan
--------------------
Selling strategy 
Failed due to

Postponement of
Tapering act

Buying strategy 
Failed due to

Increase in  the
Repo rate 

Ben and Rajan to
Pay my bills
----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Friday, September 20, 2013

Balancing rates

Balancing rates
--------------------

Balanced action in 
Balancing rates 

Infusing liquidity by
Decreasing MSF rate

Diffusing inflation by
Increasing repo rate

Three hundreds BPs to
Two hundred differential

One hundred more BPs
Owned for tomorrow
-------------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Thursday, September 19, 2013

Borrowing policies

Borrowing policies
---------------------
Borrow to spend is
America's policy

Borrow to lend is
China's policy

Borrow to throw is
Europe's policy

Borrow to grow is
India's policy

Deficit or surplus
Depends on policy
------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Wednesday, September 18, 2013

Summers and Winters

Summers and Winters
----------------------------
Derived legacy 
Derailed Summers

Gender remarks in
Harvard days

Derivatives support in
Clinton days

Universal Banking in
Lehman days

Summer to Winter
Suspense for Fed

-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Saturday, September 14, 2013

Freedom Maturity Model

Freedom Maturity Model
--------------------------------
Initiate the process to
understand freedom

Repeat the process to
Standardise freedom

Define the process to
Predict the problems

Manage the process to
Mitigate the problems

Optimize the process to
Achieve real freedom

CMM to FMM is
Freedom Maturity Model
--------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Thursday, September 12, 2013

Governors and Governments

Governors and Governments
------------------------------------
Raghuram Rajan for
Reserve Bank of India

Ben Bernanke for
Federal Reserve

Mario Draghi for
European Central Bank

Mark Carney for
Bank of England

Governors for policies
Governments for politics
-------------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com/

Wednesday, September 11, 2013

Weapons of coalition

Weapons of coalition
---------------------------
Physical weapons for
Beating the people

Chemical weapons for
Killing the people

History of cases in
Countries of geography

Arithmatic solution is
Agreed coalition

United Nations to
Use it's liaison
-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com/

Tuesday, September 10, 2013

Pricing factors

Pricing factors
-----------------
Demand and supply
Decide the price

Command and control
Correct the price

Quality calculates
Functional price

Quantity calculates
Technical price

Selected policy is
Standard deviation
------------------------Nagendra Bharathi

Monday, September 9, 2013

Parts of the body

Parts of the body
------------------
Samsung watch
For our wrists

Google glass 
For our eyes

Which part of the
Body next?

Yahoo shoes
For our feet?

Apple ring
For our fingers?

Computer signals to
Confuse our body
-------------------Nagendra Bharathi

Saturday, September 7, 2013

Unity in diversity



Unity in diversity
-----------------------

Information right

Exemption for MPs

Criminal charges

Clearance for MPs

Pension bill for

Retired MPs

Oil subsidy for

All the MPs

All the bills are

Approved by Parliament
--------------------Nagendra Bharathi

Friday, September 6, 2013

Cause and effect

Cause and effect
----------------
Currency crisis
Caused by dollar

Cut in growth
Caused by oil

High inflation
Caused by gold

Commodities outside
Causing the pollution

Calamities inside
Ceasing the solution
-----------------------Nagendra Bharathi

Thursday, September 5, 2013

Raghupathi Raghava RBI Ram

Raghupathi Raghava RBI Ram
--------------------------------
CPI based
Savings Certificates

FII based
External Borrowings

Increase rate to
Improve currency or

Decrease rate to
Improve  growth

Raghupathi Raghava
RBI Ram
----------------Nagendra Bharathi

Wednesday, September 4, 2013

Mobile war

Mobile war
----------
Nokia to Windows
Motorola to Google

Hardware surrenders to
Software service

Who is next in
War for mobile

Blackberry to Oracle?
Samsung to Yahoo?

Adam and Eve are
Apple and iOS
----------------Nagendra Bharathi

Thursday, August 29, 2013

Big data


Big data
---------
External data from
Social media

Internal data from
Business transactions

Strategic data from
Company policies

Big data from
All these sources

Small graphs for
Big decisions
--------------------Nagendra Bharathi

Wednesday, August 28, 2013

Politics is economics

Politics is economics


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

Politics is

Of the people



Economics is

For the people



Corruption is

By the people



Inflation is

Over the people



Growth is

Under the people

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

Saturday, August 17, 2013

Food and Gold

Food and Gold
---------------
Food for today is
Consumption need

Gold for tomorrow is
Investment need

Cause and effect of
Common man's plan

Control and subsidy of
Government's plan

Conflict of interest
Confuse the economy
-------------------Nagendra Bharathi

Friday, August 16, 2013

Market murder

Market murder
----------------
Market economy
Murders itself

Real economy
Reveals itself

Poverty line
Publishes itself

Control and decontrol
Covers are blown

Consumer index
Powers are shown
---------------Nagendra Bharathi

Thursday, August 15, 2013

Demanding supply

Demanding supply
-----------------
European economy
Easing recession

American economy
Asking inflation

Chinese economy
Supplying numbers

Indian economy
Expecting showers

Demanding countries
Taking off

Supplying countries
Struggling on
-------------------Nagendra Bharathi

Tuesday, August 13, 2013

Freedom lost


Freedom lost
------------
Freedom of savings
Lost to subsidies
Freedom of consumption
Lost to foreign goods
Freedom of investment
Lost to FIIs
Freedom of growth
Lost to global village
Freedom of economy
Lost to corruption
-----------------Nagendra Bharathi
freedom, poetry

Saturday, August 10, 2013

Rain God

Rain God
---------
Rain God rescues when
Foreign God fails

Agri culture is
Odd culture

Industry culture is
Old culture

External input for
Industry output

Short terms solutions to
Long term problems
----------------------Nagendra Bharathi

Friday, August 9, 2013

Friends, not foes

Friends, not foes
------------------
Tapering words to
Tilt the world

Tapering action to
Turn the world

Internet superway to
Unite the economy

Internal politics to
Divide the economy

Fiscal and monetary to
Act as friends
----------------Nagendra Bharathi

Thursday, August 8, 2013

Hands and Lands

Hands and Lands
----------------
Bonds and equities
Fall or rise

Exchange and interest
Increase or decrease

Centre and states
Collide or collude

Hands and Lands
Huge in India

Means and ends
Meet in future
----------------Nagendra Bharathi

Wednesday, August 7, 2013

Synthetic sin

Synthetic sin
--------------
Shadow banking is
Selfless service

Mortgage loans to
Moneyless many

Funds of funds to
Feed the greed

Structured products to
Spread the thread

Systemic risk is
Synthetic sin
-----------------Nagendra Bharathi

Tuesday, August 6, 2013

Debt trap

Debt trap
----------
Government debt to
Corporate debt

CAD reduction by
ECB connection

Interest payment in
External currency

Forgetting future for
Present deficit

Equity drop to
Debt trap
-------------Nagendra Bharathi

Friday, August 2, 2013

Investment line

Foreign investment to
Forty nine percent
Foreign investment to
Seventy four percent
Foreign investment to
Hundred percent
Foreign investor is
Above gravity line
Local investor is
Below poverty line
--------------------------Nagendra Bharathi


Wednesday, July 31, 2013

Risk at variance

Risk at variance
---------------------

Complex calculations
Conclude in arbitrage

Data and models
Define the variance

Top down variance
Based on rules

Bottom up variance
Based on practices

Risk at variance in
Regulating lending
----------------Nagendra Bharathi

Tuesday, July 30, 2013

FED up with RBI

FED up with RBI
----------------

FED is up and
RBI articulates

Tapering by FED to
Vaporing the liquidity

Engulfing liquidity to
Exchange  stability

Exchange stability to
Endgame the  deficit

Reasonable deficit to
Raise the capital

External capital to
Internal growth

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

Monday, July 29, 2013

Customer's delight


Customer's delight
-------------------
Baloon vendors at
Bal vihar schools

Coffee,tea shops at
Company's exit

Toasted items at
Toddy shop entrance

Carrying solutions to
Customers' gate

Seminar discussions at
Salesmen's meet
-----------------Nagendra Bharathi

Sunday, July 28, 2013

Warehouse banking

Warehouse banking
------------------
Blocks of coal in
Banking warehouse

Pipes of gas in
Banking warehouse

Biscuits of gold in
Banking warehouse

Risk management
Reaches it's peak

Wholesale and retail  to
Warehouse banking
----------------Nagendra Bharathi

Friday, July 26, 2013

Bonus bonanza

Bonus bonanza


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

Retention bonus to

Key employees



Performance bonus to

Best employees



Exit bonus to

Leaving employees



Yearly bonus to

Every employee



Empty bonus to

Investing public

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

Thursday, July 25, 2013

Double edged liquidity


Double edged liquidity
-----------------------
Currency carries
Commodity rule

More currency to
Less value

Less currency to
More value

Exchange rate for
External rating

Interest rate for
Internal growth

Stabilising currency to
Stimulate growth
------------Nagendra Bharathi

Wednesday, July 24, 2013

BPL people

BPL people
------------
Committees decide the
Poverty line

Panels release the
Poverty ratio

Twenty five percent in
Rural areas

Thirteen percent in
Urban areas

Calculated numbers
Decreasing figures

Cornerstreet members
Increasing beggars
---------------Nagendra Bharathi

Tuesday, July 23, 2013

Rural license


Rural license
--------------
One fourth of branches to
Open in rural

Pre-requisite for
Bank license

Tractor companies to
Apply for license

Courier companies to
Apply for license

Heads of families to
Also apply

One fourth of relatives in
Rural areas
---------------Nagendra Bharathi

Monday, July 22, 2013

Land,labour,capital

Land,labour,capital
--------------------
Land and labour
Resisting reforms

Capital inflows
Greeted by promises

Mouth full of white lies
Hands full of red tapes

Environment is dry
Expectation is high

Foundation is weak
Policies at peak
-----------------Nagendra Bharathi


Sunday, July 21, 2013

Facebook flicks

Facebook flicks
----------------
Facebook clicks
Brought bad flicks

Removed the post with
Regretting note

Likes and comments
Lashing my poems

Entered as posts
Yet not removed

Censored flicks
Seen by nobody
--------------Nagendra Bharathi

Thursday, July 18, 2013

Quantitative easing

Quantitative easing


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

Growth is slow

Inflation low



Employment figures

Inch by inch



Ben is not yet

Fed up with easing



Recession fear

Reeling in mind



Easy money to

Asian countries

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

Tuesday, July 16, 2013

Framework paralysis

Framework paralysis


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

Accounting framework

Auditing framework



Risk framework

Reporting framework



Environment framework

Infrastructure framework



Compliance framework

Governance framework



Updating frameworks

Abandoning main work

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

NPA Risk

NPA Risk


---------

Loan agreement for

Legal risk



Margin money for

Price risk



Pledge and mortgage for

Property risk



Insuring all for

External risk



Restructure loan for

NPA risk

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

Monday, July 15, 2013

Pillar Review

Pillar Review
------------
Complexity of
Pillar one Calculations

Sensitivity of
Pillar two Reviews

Comparability of
Pillar three Disclosures

Connectivity of
All three pillars

Activity of
Basel three review
-----------------Nagendra Bharathi

Fallen angel

Fallen angel
--------------
Sixteen dollars for
Single rupee

Sixty rupees for
Single dollar

Hundred years burnt
Thousand degrees turned

Not the currency 
That is falling

But the policy 
That is failing
----------------Nagendra Bharathi

Saturday, July 13, 2013

computer, poetry

Hard talk
----------
'Go local' for Hardware
India's stand

'Go local' for Software
America's stand

Stand at ease and
Sit to talk

Hard talk to start and
Soft skills to win

Win win market in
Global village
----------------Nagendra Bharathi

Saturday, July 6, 2013

License to kill

License to kill
----------------
Financial inclusion is
Goal of the government

Borrowing at low cost is
Deal of the contestants

Contestants are many
Conditions are many

Good sense to fill
Promoters and regulators

License to kill
Poverty and disparity
--------------------Nagendra Bharathi

Thursday, July 4, 2013

Story of Bank

Story of Bank


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

Rating and funding to

Cost for bank



Betting and lending to

Revenue for bank



Cost and revenue to

Margin for bank



Margin and expense to

Profit for bank



Profit and capital to

Health for bank



Health and growth to

Market for bank



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

Sunday, June 30, 2013

Paper economy

Paper economy
--------------
Internals and externals
Influence the economy

Deficit and surplus
Decide the currency

Rise and fall of
Currency is country

Exchange rate is
Paper economy

Enriched earth is
Real economy
--------------------Nagendra Bharathi

Sunday, June 16, 2013

Business model

Business model
---------------
Six sigma
Seven executives

Agile project
Lazy managers

Domain focus
Dormant analysts

New technology
Old architects

Failed model
Bring back founder
--------------Nagendra Bharathi

Monday, June 10, 2013

Venture capital

Venture capital


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

Building the blocks of

Business streams


Filling the gaps with

Technology themes



Steering the speed with

Process teams


Enjoy the gains of

Enterprise dreams



Relax and relish the

Life in creams
------------------------Nagendra Bharathi

Friday, June 7, 2013

Finance is risk

Finance is risk
---------------------

Business of banking
Deposits and advances

Business of insurance
Premiums and claims

Business of investment
Spots and futures

Macro and micro
Means are sigmas

Segregate and aggregate
Service the risk

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

Wednesday, June 5, 2013

Ponzi schemes

Ponzi schemes


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

A bird in the nest lays

Thousands of eggs



A goat in the farm gets

Thousands of kids



A land in the desert gives

Thousands of plots



A rupee in the scheme yields

Thousands of dollars



Ponzi schemes are

Bogus beams

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

Tuesday, May 28, 2013

Chief Person


Chief Person

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

Chief executive and

Chair person



Day to day matters and

Balance sheet factors



Division of duty in

Labour market



Merger of jobs in

Management market



Conflict of interest in

Governance and execution



Morgan J P and

Manhattan Chase

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

Friday, May 24, 2013

systemic secrecy

systemic secrecy


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

Doctors and lawyers for

Private secrecy

Corporates and governments for

Public secrecy

Private or public

Secrecy is systemic

International agencies

Enforcing decency

Swiss secrecy to

Choose diplomacy

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

Wednesday, May 22, 2013

Islands of avoidance

Islands of avoidance


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

Islands of beaches to

Avoid the tax heat



Sections in tax acts for

Selective avoidance



Sections in treaties for

Collective avoidance



Corporates and countries

Convince their conscience



Legal or moral

Lehman or layman

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

Tuesday, May 14, 2013

Reverse the reserve


Reverse the reserve

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

Increasing demand to

Improve the employment



Rising jobs to

Relax the easing



Reduced supply to

Raise the currency



Dollar for growth and

Gold for inflation



Reverse the reserve which

relates to economy

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

Thursday, May 9, 2013

Grade the trade


Grade the trade

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

Subsidise the market for

Developing countries



Free the market for

Developed countries



Balance the two for

World level trade



Failing the two for

Bilateral trade

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

Sunday, May 5, 2013

Big bad banks

Big bad banks


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

Breach the trust of

Poor depositors



Lend the money to

Wilful defaulters



Convert the loans as

Harmful derivatives



Get good rating from

Colluding agencies



Too big to fail and

Too bad to bail out

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

Wednesday, April 24, 2013

Great expectations

Great expectations


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

Economy has bottomed out

Inflation has peaked out



Employment and innovation

Ensure the growth of nation



Gold, coal and crude oil

Sold, bought at true yield



Expec tation is great at

Economists' meet



Next ration is food at

Common man's plate

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

Tuesday, April 23, 2013

Golden thoughts

Golden thoughts


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

Sentiment and sense

Search for safety

Country's risks are

Growth and inflation

Common's risks are

Savings and investment

Reserves to market

Market to reserves

Spots and futures of

Pots in gold

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

Saturday, April 13, 2013

Crowd partnering

Crowd partnering


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

Crowd sourcing is

Open sourcing



Crowd financing is

Financial inclusion



Crowd protests are

Popular uprising



Crowd likes are

Social networking



Crowd partnering is

Future strategy

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

Sunday, March 10, 2013

Mind the market

Mind the market


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

Interest rate or

Exchange rate



Deficit or surplus

Inflation or recession



Black or white

Peace or war



Market has it's

Own teacher



Short term is nature

Swift turn is feature

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

Sunday, March 3, 2013

Deficit rating

Deficit rating


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

Import and export as

Current account deficit



Expenditure and income as

Fiscal deficit



External inflow for

Current account deficit



Internal inflow for

Fiscal deficit



Rating downgrade

Rests on deficit

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

Saturday, March 2, 2013

Sequel of sequestration


Sequel of sequestration

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

Land to sky

Sky to water



School to office

Office to home



Spending cuts

Serious pain



Come April

Orders effective



Come September

Borders defective

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

Friday, March 1, 2013

Women's Bank

Women's Bank


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

For the women

Of the women



By the women

Women's Bank



Welfare of the women

Well ensured



Safety of the women

Seldom ensured



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

Sunday, February 24, 2013

Banking license

Banking license


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

Forty percent

Priority sector



Twentyfive percent

Unbanked rural



Financial inclusion

Part of strategy



Towards banking

License policy



Postal Bank and

Who else post

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

Friday, February 22, 2013

Election budget

Election budget


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

Budget deficit for

Election surplus



Increase subsidy to

Include lower



Reduce tax to

Relate middle



Open market to

Order upper



Winning power is

Running money

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

Thursday, February 21, 2013

Currency war


Currency war

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

Depreciate the currency to

Tackle the deflation

Exporters gain is

Economy's gain

Appreciate the currency to

Adjust the inflation

Importer's gain is

Economy's gain

Currency war is

Country's war

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

Monday, February 11, 2013

Risk test

Risk test


----------

Apply the model

Understand the risk



Stress test the risk

Reverse test the death



Ring fence the tasks

Electrify the fence



Write living will

Start banking work



Too small to fail

Too thin to profit

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

Sunday, February 10, 2013

Double edged liquidity

Double edged liquidity


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

Liquidity in need is

Liquidity indeed



More liquidity is

Less profit


Less liquidity is

More loss


Balanced liquidity is

Perfect growth



Double edged knife to

Cut or set economy

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

Wednesday, February 6, 2013

Model risk

Model risk


-----------

Supervisors articulate

Super-vicers ridiculate



Supervisors decide

Capital ratios



Models decide

Risk weightage



Modifying models to

Reduce the risk



Nullifying effect of

Regulatory capital



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

Tuesday, February 5, 2013

Interest cycle



Interest cycle

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

Relaxed inflation

Reduces rate



Reduced rate

Induces growth



Induced growth

Increases employment



Increased employment

Improves consumption



Improved consumption

Effective economy

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

Thursday, January 24, 2013

Decades of delay

Decades of delay


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

Dynamic resilience is

Davos' theme



Dynamism denotes

Dashing youth



Resilience refers to

Respected old



Good and great to

Gear up growth



Decades of delay to

Diminish the disparity

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

Tuesday, January 22, 2013

Time management

Time management


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

Right or wrong

Timely decision



Win or run

Timely action



Good or bad

Timley solution



Today or yesterday

Timely correction



Not only money

Time does matter

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

Thursday, January 17, 2013

Paper gold

Paper gold


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

Quantitative easing

Could not devalue

Mounting debt

Could not depreciate

Inter national

Medium of exchange

Ever green

Store of value

Paper gold

Topper world

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

Sunday, January 13, 2013

Papers and reports

Papers and reports


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

Sarbanes Oxley to

Support the investor



Dodd Frank to

Defend the consumer



Basel three to

Protect the assets



Volcker and Vickers to

Verify the speculation



Banking and finance to

Papers and reports

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

Thursday, January 10, 2013

Loss transfer

Loss transfer


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

Low capacity, excess demand

Opportunity lost



Low demand, excess capacity

Operating margin lost



Liquidity stress, lower growth

Working funds lost



Interest rate, exchange rate

Capital funds lost



Transfer pricing, taxfree havens

Loss transfer to profit

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

Wednesday, January 9, 2013

Diluted liquidity

Diluted liquidity


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

Corporate debt to

Forty percent



Phasing period to

Phase out slow



Less liquid assets to

Big retail banks



Short term liquidity

Dilute a little



Long term liquidity

Let banks wait

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

Sunday, January 6, 2013

Questionable answers

Questionable answers


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

What to buy to

Fundamental analysis

When to buy to

Technical analysis

Where to by to

Exchanges analysis

Which to buy to

Debt and equity

How to buy to

Spot and futures

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

Friday, January 4, 2013

Regulating risk

Regulating risk


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

Past risk is

Exposure risk



Present risk is

Probability risk



Future risk is

Systemic risk



Betting and hedging to

Play the risk



Capital and reserves to

Control the regulator

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

Thursday, January 3, 2013

Kicking the can

Kicking the can


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


Europe first

US next



Kicking the can

Down the road



Fiscal cliff

Hangs on air



Two more months to

Discuss and delay



Debt is issue

Cliff is tissue

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