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