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