Sunday, February 24, 2013

Banking license

Banking license


Forty percent

Priority sector

Twentyfive percent

Unbanked rural

Financial inclusion

Part of strategy

Towards banking

License policy

Postal Bank and

Who else post

----------Nagendra Bharathi

Friday, February 22, 2013

Election budget

Election budget


Budget deficit for

Election surplus

Increase subsidy to

Include lower

Reduce tax to

Relate middle

Open market to

Order upper

Winning power is

Running money

------------Nagendra Bharathi

Thursday, February 21, 2013

Currency war

Currency war


Depreciate the currency to

Tackle the deflation

Exporters gain is

Economy's gain

Appreciate the currency to

Adjust the inflation

Importer's gain is

Economy's gain

Currency war is

Country's war

-----------Nagendra Bharathi

Monday, February 11, 2013

Risk test

Risk test


Apply the model

Understand the risk

Stress test the risk

Reverse test the death

Ring fence the tasks

Electrify the fence

Write living will

Start banking work

Too small to fail

Too thin to profit

-------------------Nagendra Bharathi

Sunday, February 10, 2013

Double edged liquidity

Double edged liquidity


Liquidity in need is

Liquidity indeed

More liquidity is

Less profit

Less liquidity is

More loss

Balanced liquidity is

Perfect growth

Double edged knife to

Cut or set economy

-----------------Nagendra Bharathi

Wednesday, February 6, 2013

Model risk

Model risk


Supervisors articulate

Super-vicers ridiculate

Supervisors decide

Capital ratios

Models decide

Risk weightage

Modifying models to

Reduce the risk

Nullifying effect of

Regulatory capital

----------------Nagendra Bharathi

Tuesday, February 5, 2013

Interest cycle

Interest cycle


Relaxed inflation

Reduces rate

Reduced rate

Induces growth

Induced growth

Increases employment

Increased employment

Improves consumption

Improved consumption

Effective economy

---------------------Nagendra Bharathi