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Scandal: YES Bank with NO Kapoor

The Reserve Bank of India (RBI) has bared its teeth again. Its axe fell on the captain of Yes Bank. As a watchdog of Indian banking system, the RBI has asked Rana Kapoor, Managing Director and Chief Executive Officer (MD&CEO) of Yes Bank to step down effective 31 January 2019. The

KVB: the beautiful digital move of a small bank

Several small commercial banks in the private sector have been taking extensive recourse to technology and have come out with excellent results. The 102-year old Karur Vysya Bank (KVB) is a good example. Managing Director & CEO, P R Seshadri, announcing the results of the bank for 2017-18, explained the transformation

Kerala floods threaten to drown banking

Nature’s fury has destroyed Kerala’s wealth substantially, both financially and physically. Assets, more particularly private assets, built over the years have been wiped out. Banking business has suffered irreparable losses. The banking network in Kerala is quite wide-spread having 6281 branches. Public and private sector banks abound. Kerala Gramin Bank that

Profitability: A decade of decay

Litigation is a long-drawn process dampening the profitability of banks. For years to come, PSU banks may not be able to present strong balance sheets. The banking sector in India has experienced an unprecedented decay of its loan assets during the decade FY2008 to FY2018. The continuous rise in the gross

Mergers: Do we need bigger banks?

Government of India is considering the merger least four public sector banks: Bank of Baroda, IDBI Bank, Oriental Bank of Commerce and Central Bank of India. The combined loss of these famous four is Rs.21,646 crore. IDBI Bank alone accounts for 38 per cent of the losses. Oriental Bank of Commerce

Lighting a lamp

Since nationalisation, banks were directed to function not merely as deposit collectors and lenders, but much more. This add-on was required to change the traditional image of a banker “as one who lends an umbrella when the sun shines and takes it back when it rains.” Different tasks are given and

Will ‘bad banks’ create good banks?

The bad bank is a differentiated bank, dealing only with NPAs. No, it’s not a bank that is evil.\ India’s bad loan problem has become alarming. The stress sits at Rs.14 lakh crore; meaning there is now no certainty of receiving repayment of that amount. So even if the account is

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