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United India Insurance - Rs 110 crore losses have been claimed till now due to floods in Tamil Nadu A bank for women, by women Just 660 days! Target over-ambitious... Ferrying digital banking to Lakshadweep Thirty more cities seek to become SMART All that glitters is not gold... Nothing much can happen…. Grows Bigger Too big to fail and too small to sail Why priority status? Growing gainfully Small finance banks offer high interest rates Banking in Telangana Reaching out: is it slowing down? Indian customers are tech savvy Who is the real beneficiary? Mega merger is on Two banks: their jubilees and performances How ‘secure’ are the secured loans? Governance in Reverse Gear? Small is ‘more’ beautiful Needed a Banking Atlas Cradle of banks to a smart city... Payment banks have arrived Lacklustre credit expansion The collaboration suite of cyber criminals LVB- A supermarket of financial services Fund healthcare clinics in villages... Banking overhauling or reorganisation? Aadhaar, niraadhaar and banking Cut in repo rate – lower than expected Merger mania haunts banks New bank licences, at last... Managing NPAs... Rationalised Anytime banking to anywhere banking Growing volume of stressed assets… Bottomlines shrink, bad loans rise... Perhaps small is more beautiful than big! Big bank merger, bigger expectations Smart banking in smart cities Cautious and considerate Stage set for Indian ‘avatar’ of foreign banks Hesitancy in announcing year-end results Financial inclusion vs unclaimed deposits Emerging crisis Monetary policy continues to adopt dis-inflationary path Banking on Risk From lazy banking to easy banking Small finance payment banks... A new development bank rising in the east… Greet Lakshmi the banking robot The paradox: clamour for the Goliath and David Drop in SLR- sparing lendable resources It’s a war on black money, support it. What is the priority – mergers or NPA reduction? One down in private sector Drastic decline in asset quality Targets continue to be ad hoc Well-lived... New capitals of Migrant banks Ernakulam excels... Why any time money? Another route for achieving financial inclusion How okay are new banks? Bank deposits account for 46.3 per cent of household savings Good, bad and ugly Capital base of regional rural banks raised A development bank for BRICS Reaching the Unreached… Insatiable appetite for credit Holy or unholy?
Hesitancy in announcing year-end results

Unlike the previous years, banks appear to be hesitant in publishing their financial results of FY2014. Last year, there was keen competition among them to be among the first banks in publishing the year end data. During the first week of April 2013 itself some of them came out with full-page multi-colour ads. Most of them had enviable financial results to show.

This year many of them are not willing to show customers their slim bottom-lines (pun unintended). Only three banks, have published their annual results during the last week of April. As net profits of FY 2014 were lower than the previous year, the size of their

advertisements was reduced. One of them has settled for a quarter page. The youngest public sector bank, perhaps is the only bank, which went for a full-page black and white ad.  Invariably the font size used in all the tables is small enough to deter the inquisitive reader from comparing the previous year’s data!

The spurt in NPAs is responsible for the poor performance of banks on the profit front.  The increases in the gross NPA ratios have compelled all of them to make larger provisions. Banks alone cannot be blamed for this dismal picture of the banking sector; it is partly a replica of the economic scenario, particularly of the industrial sector, the major recipient of bank finances.

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