Stressed Loans...............................


My apprehension came true when I saw a news on " Stressed Loans of Listed Banks Rose 50% in calendar year 2013' in The Economic Times, today.

For ready access, the link is provided below.

http://economictimes.indiatimes.com/news/news-by-industry/banking/finance/banking/stress-loans-of-listed-banks-rose-50-in-calendar-year-2013-study/articleshow/30632600.cms

Comments

Post a Comment

Popular posts from this blog

Best Practices for Employer Branding

Amongst various trending topics in HR acreage “Employer Branding” tops the list. Employer branding is the progression of promoting a company (organization), as the employer of choice to a preferred target group whom a company needs and wants to recruit and then retain. The process of employer branding enables the company’s capability in attracting, recruiting and retaining employees (Talent) in hiring and helps to achieve company’s business objectives. Employer branding, moves in line with the growth of economy. In the Indian Job Outlook Survey 2012 conducted by TJinsite, research and knowledge arm of TimesJobs.com that recruiters have to push frontiers to construct brand attractiveness to make skilful talents contemplate on their employment opportunities. Employer Brand is the perception that emanates to the mind when someone hears about your company’s name; hence we can say that the business’s success is strongly associated with the perception of the stakeholders and applicants an...
Read more
Stress Loans: Will banks be unwilling to give loans to 'fair' companies? It is said that business is not done by 'self' investment but by 'borrowed' money from banks and individual investors. It is primarily banks & other financial institutions that extend lending facility as they are meant for this purpose. But they themselves are in a BUSINESS & business, of course, means profit. In last two decades, as the Indian economy opened up, banks & other institutions helped in achieving GDP growth by extending facility to old & new business to expand further. Bust as it is said, every coin has two sides - positive & negative. It is seen of late by published data that some seems to be taking undue advantage of this opportunity. This gets validated by many facts like when one hears that 'someone' did not pay back his loan. It becomes more serious when collateral are not worthy ensuring to recover loans given. If it is due to fai...
Read more

Pricing- a victim of IT Revolution

Businesses have undergone tremendous change due to information revolution. Pricing, which was in the hands of producers has shifted into the hands of customers. Today, marking up profit by simply jacking up prices is no longer possible. Transparency, customer awareness and easy modes to compare have changed the whole mechanism of pricing. In older days, margins were decided whimsically by different decision makers leading to various pricing techniques. I feel that pricing techniques were all depended upon who were deciding them. Cost-Plus Pricing was a long-time favorite to Finance Managers. Likewise, Customer – Driven technique was a favorite of Sales Professionals and Market-Share Pricing Technique was liked by Marketing Managers. Let’s look at, Cost Plus Pricing Technique. It was decided keeping in view primarily Unit Cost. The notion was that if ‘fixed’ cost is allocated to each unit and a margin is added to it that will give a price for a product; without realizing the f...
Read more