Sunday, May 31, 2015

Consumer lending

Consumer lending
-----------------------
Underwriting is the 
Originating activity

Pricing is the 
Product activity 

Servicing is the 
Customer activity 

Collection is the 
Risk activity 

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

Saturday, May 30, 2015

Economic capital

Economic capital 
-------------------
Single VAR for
Central risk 

Scenarios define the 
Statistical loss  

Employment , health and 
Yield are drivers 

Limit setting and 
Risk budgeting 

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

Thursday, May 21, 2015

Banking intelligence

Banking intelligence 
---------------------------
Process to transform 
Data to decision 

Projects to manage
Backend and Frontend

Products to suit 
Retail and wholesale 

People to benefit 
Private and public

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

Sunday, May 17, 2015

Leverage management


Leverage management 
--------------------------
Debt equity in 
Different format 

All the assets to
Add at Denominator

Pure equity to
Place at Numerator 

Lehman crisis is
Leverage crisis

Leverage management is
Business intelligence 
------------------------ Nagendra Bharathi 
My Book: http://www.businesspoemsbynagendra.com

Friday, May 15, 2015

Liquidity management

Liquidity management
------------------------------
Inflow and outflow to
Equate each other 

Cash and funds to 
Complement each other 

Short and long term to
Support each other 

Maturity remaining to
Match each other 

Liquidity management is
Business intelligence 
---------------------Nagendra Bharathi 
My Book: http://www.businesspoemsbynagendra.com 

Thursday, May 14, 2015

Risk management

Risk management
-----------------------
Balancing risk is
Liquidity risk

Betting risk is
Leverage risk 

Performance risk is
Credit risk 

Price risk is
Market risk 

Process risk is
Operational risk

Risk management is
Business intelligence 
--------------------Nagendra Bharathi 
My Book: http://www.businesspoemsbynagendra.com

Life in seconds

Life in seconds
------------------
Good morning is
First second

Good night is
Second second

Wink of eye
Vanishes the time

Minutes and hours are
Meant for then

Think of life in 
Seconds for now
------------------Nagendra Bharathi 
My Book: http://www.businesspoemsbynagendra.com 

Wednesday, May 13, 2015

Star fish


Star fish
--------------
Rowing the clouds and 
Moving on sky 

Searching for stars which
Shine and gone 

Resting on moon and 
Waiting for turn 

Looking at sea which 
Reflects the sky 

Seeing the fish and 
Pouring as rain 
-------------------Nagendra Bharathi 
My Book: http://www.businesspoemsbynagendra.com

Thursday, May 7, 2015

Bug data

Bug data
---------------
Big data is
Bug data

Social data is
Gossip data 

Market data is
Manipulated data

Own data is
Original data

Real data and
Relevant data 
-----------------Nagendra Bharathi 
My Book: http://www.businesspoemsbynagendra.com 

Monday, May 4, 2015

Dealing with feeling

Dealing with feeling 
--------------------------
Change in nature is
Cause of feeling 

Change in life is 
Use of feeling 

Cause and use 
Create the mass

Impression inside
Expression outside

Dealing with feeling is
Meaning of life 
------------------Nagendra Bharathi 
My Book: http://www.businesspoemsbynagendra.com 

Friday, May 1, 2015

Risk accounting

Risk accounting
----------------------
Measuring and managing
Risk at transaction

Granular data is 
Key for enterprise 

Non-additive data to 
Normalise as additive 

In-memory execution for
Real time aggregation 

Risk accounting is
Business intelligence 
---------------------------Nagendra Bharathi 
My Book: http://www.businesspoemsbynagendra.com