Tuesday, September 30, 2014

Functional cycle

Functional cycle
----------------------
Interest rate is the
Function of inflation

Inflation is the 
Function of price

Price is the
Function of production

Production is the
Function of growth

Growth is the 
Function of interest rate
--------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Monday, September 29, 2014

FIFO and LILO

FIFO and LILO
----------------------
Carbon fullprint by
Developed countries

Carbon footprint by
Developing countries

First in First out for
Developed countries

Last in Last out for
Developing countries

Emission cut in 
Ethical order
---------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Thursday, September 25, 2014

Trade or food

Trade or food
-------------------
Intra food is
Immediate need

Inter trade is
Extended need

Developing countries have
customary needs

Developed countries have
Systemic needs

Customise the system for
Subsidy and security 
-----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Monday, September 22, 2014

Alibaba and forty billion

Alibaba and forty billion 
-------------------------------
Twenty five billion is
Today's market 

Forty billion is
Future target 

Amazon, Paypal and Twitter in
Alert mode

Alipay, Taobao and Tmall in
Collect mode 

Hongkong's fear is
Newyork's risk
--------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Thursday, September 18, 2014

Intelligence tree


Intelligence tree
------------------------
Accounting intelligence is
Past intelligence

Statistical intelligence is
Future intelligence

Compliance intelligence is
Control intelligence

Governance intelligence is
Community intelligence

Banking intelligence is
Business intelligence
-----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Wednesday, September 17, 2014

Community objectives

Community objectives
-----------------------------
Corporate accountability is
Social responsibility

Environmental concern and
Ethical practice

Empowering women and
Including poor

Educating children and
Improving health 

Profit to society for
Profit from society
----------------Nagendra Bharrathi
http://www.businesspoemsbynagendra.com 

Corporate objectives

Corporate objectives
----------------------------
Corporate objectives are
Profit and business

Profit to ensure the
Continuity of business 

Business to ensure the
Continuity of profit

Board to ensure the
Continuity of company

Government to ensure the
Continuity of governance
----------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

External regulations

External regulations
----------------------------
Regulatory controls are 
Third party rules

Regulatory arbitrage is
Own party tool

Basel stipulating 
Capital for Banks

Solvency stipulating
Capital for Insurance

Too big to fail to
Stimulate them all 
---------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Tuesday, September 16, 2014

Internal controls

Internal controls
----------------------
Corporate policy to
Control the system

Internal audit to
Enforce the system

External audit to
Improve the system 

Market disclosure to
Monitor the system 

Strategic focus to
Secure the system
---------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Probability factor

Probability factor
-----------------------
Applying math to
Uncertain truth

Setting of events in
Sample space

Tossing a coin or
Throwing a dice

Testing the chance with
Total of outcomes

Probable something is
Better than nothing
----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Monday, September 15, 2014

Regression analysis

Regression analysis
--------------------------
Inter dependents are not
Eligible as independents

Intercepts and slopes to
include the error factors

Predicting dependent with
Predictor independents

Simple linear model to
Multiple linear models

Regress is going back but
Regression is seeing forward
--------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Sunday, September 14, 2014

Data distribution

Data distribution
-----------------------
Classify the data to
Convey the meaning

Distribute the data to
Define single value

Mean is average
Median is middle

Mode is most frequent
Dispersion is tendency

Black swans are the
Black sheeps in data
-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Saturday, September 13, 2014

Cash flow

Cash flow
---------------
Profit flow is
Matter of opinions

Cash flow is
Matter of facts

Trading flow at 
Unit level

Financing flow at 
Organisation level

Total flow at
Strategic level 
---------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Friday, September 12, 2014

Profit is loss

Profit is loss
----------------
Recognised income on
Restructuring assets

Accrued income on
On-balance sheet items

Securitised income on
Changing assets

Artificial income on
Off-balance sheet items

Profit is loss at
Post audit date
---------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Thursday, September 11, 2014

Balanced sheet

Balanced sheet
----------------------
Long term assets with
Short term liabilities

Matched with money but
Mismatched maturity

Accumulated payables with
Ambiguous receivables

Matched with creditors but
Mismatched debtors

Sheet is balanced but
System is risk
------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Wednesday, September 10, 2014

Corporate governance

Corporate governance
-----------------------------
Corporate objectives and 
Community objectives

Fairness in operation and
Better disclosures 

Ethical audits and 
Enhanced transparency 

Shareholders and
Stakeholders

Corporate governance is
Social responsibility
------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Tuesday, September 9, 2014

Compliance standards

Compliance standards
----------------------------
Internal policies and
External regulations

Enter the world of
Enormous data

Right to retain and
Right to remove

Conflict of interest in
Compliance data

Standards to meet the
Changing need
-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com

Monday, September 8, 2014

Statistical analysis


Statistical analysis
-------------------------
Pattern analysis to 
Predict the future

Distribute the measures to
Define the dispersions

Regress the variables to
Refine the output 

Probable values in
Percentage volatility 

Stress test the results in
Simulated scenarios

Back test the facts for
Perfect statistics
-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Sunday, September 7, 2014

Accounting analysis

Accounting analysis
--------------------------
Published figures for
Past and present

Balance sheet is
For the period

Profit and loss is
During the period

Cash flow is
In the period

Accounting analysis for
All the periods
---------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Saturday, September 6, 2014

Banking intelligence

Banking intelligence
----------------------------
Business intelligence for
Banking domain

Accounting analysis of
Published figures to

Identify the operational 
Success or failure

Statistical analysis of
Predicted figures to

Sense the strategic
Success or failure

Compliance and governance are
Control intelligence 

Banking intelligence is
Business intelligence
-------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Friday, September 5, 2014

Non performing banks

Non performing banks
----------------------------
Public party on
Loans to poor

Private party on
Loans to rich 

Filing suit on
Poor NPAs

Reducing interest on
Rich NPAs

Mass banking and
Class banking 
---------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Thursday, September 4, 2014

Anonymous analytics

Anonymous analytics
---------------------------------
Anonymous alcoholics for
Problem drinkers

Anonymous analytics for
Problem balance sheets

Overstated profit and 
Overrated products

Disclosing facts and 
Displeasing corporates

External auditor for
Emerging cronies
---------------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Wednesday, September 3, 2014

Common focus

Common focus
---------------------
Inflation focussed 
Indian Government

Employment focussed
U.S Government

Infrastructure focussed 
Chinese Government

Expenditure focussed
Europe Government

Export focussed 
Japanese Government 

Common focus is 
Country's growth
-------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Tuesday, September 2, 2014

Product portfolio

Product portfolio
-----------------------
Product is profit 
For the bank

Product is fraud 
For the auditor

Product is risk
For the regulator

Product is license 
For the government

Product is confusing
For the customer
----------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com 

Monday, September 1, 2014

Patriotic inversions

Patriotic inversions
-------------------------
Buffet's rule for
Burgers and coffee

Evade the tax with 
Corporate inversion

Increase the tax on
Individual's wealth 

Smart investment for
Shareholders' benefit 

Patriotic transaction for
People's growth
---------------Nagendra Bharathi
http://www.businesspoemsbynagendra.com