Banks are accelerating green lending and investing initiatives as they march towards realizing their net zero goals, partnering with their counterparties to reduce the combined carbon footprint. As I said in my last blog post[1], here are a few thoughts on “all that is green is not gold” and why robust risk management aspects and constructs merit ...
13 May 2024 /regulation /sustainable Banking Strategy, Digital and Transformation
The recently concluded COP 28 has, once again, flood lighted the need for focused and positive action to facilitate movement towards a low carbon ecosystem and therefore a sustainable future for all. A crucial decision made at COP 28, as relevant to this article, is the need to reduce Greenhouse Gases by 43% by 2030 and 60% by 2035 (relative to th...
22 January 2024 /regulation /sustainable Banking Strategy, Digital and Transformation
There were two primary principles that I touched in my previous blog Climate change Management- whose job is it anyway. The first is, boundary definitions with clear responsibility/ accountability for the major stake holders and the second, need for smooth collaboration between them. Central banks and commercial banks are the critical stake holde...
18 April 2022 /regulation /sustainable Trends in Financial Services
Well, the answer is obvious isn’t it – it is “EVERYBODY’s, you would say. There lies the difficulty. One of the first management lesson’s is never to make any job “everybody’s” as it has two risks inherently. Either it becomes everybody’s and nobody’s at the same time, resulting in an impasse or the boundaries and the gaps in-between one group to ...
28 February 2022 /regulation /sustainable Trends in Financial Services
“Never take your eyes off the cash flow because it is the life blood of business” Richard Branson. I had, in my earlier blogs spoken of Margin compression- the P&L Story and Capital compression- the Balance Sheet Story. In this blog am exploring the Liquidity Story against the Pandemic backdrop. It is not a story of less or more liquidity but ...
14 June 2021 /covid-19 /predictions Banking Strategy, Digital and Transformation
Is it relevant to talk of profitability during Covid times some might ask? It is and HOW!! Healthy banks are sine qua non to support pandemic induced distressed economy & customers whether it is retail, commercial/ SME or corporates in affected industries. Connecting the dots across my previous three blogs, the big picture is that banks thems...
28 September 2020 /regulation /covid-19 Banking Strategy, Digital and Transformation
Tracing the evolving banking scenario in and around the pandemic, through the lens of “shrunken transactions” a harbinger in many ways. The intensity of the impact may vary, but both individuals and businesses of all sizes and shapes have been thrown into a vortex. Last blog* I touched upon margin compression and its impact on P & L books ...
27 July 2020 /regulation /covid-19 Banking Strategy, Digital and Transformation
Since the last post, other banker friends joined the conversation of shrunken transactions and the resultant Margin compression. As I said in the first blog, the trigger was a sizeable fall in the transactions (both in volumes & value) of the banks. (https://www.finextra.com/blogposting/18844/profitability-paradigm-moving-from-business-continui...
29 June 2020 /retail /covid-19 Banking Strategy, Digital and Transformation
I have always maintained that at a fundamental level commercial banking, as the name itself suggests, is a business and has the core values and principles of a commercial enterprise - that of Liquidity, Solvency and Profitability. Safety, Stability plus Social and Economic relevance are as critical given that banks are powerful economic instrument...
08 June 2020 /regulation /retail Banking Strategy, Digital and Transformation
I had, in my last blog, said “The objective of Industrialization is to drive innovation and efficiency by reengineering the value chain to add measurable value”. In this blog, I take a deeper dive into process of Industrialization with Stress Testing platform as the use case to illustrate the point. The regulators are demanding consistency across r...
19 March 2019 /regulation Banking Strategy, Digital and Transformation
Sufyan KhanHead of Pre Sales / Solution Consulting - Europe at Oracle
Garima ChaudharyHead of Fin. Crime Solution Consulting at Oracle
Yogendra SinghVice President, Global Head, Solution Consulting at Oracle
Vikram ChandrashekarConsulting Practice Senior Director at Oracle
Conor CollearyGroup VP in Financial Services at Oracle
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