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