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