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