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