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