Management of Quality of Non-Performing Assets

Non Performing Assets, as the term implies, do not generate any returns for the bank. In compliance with the Generally Accepted Accounting Practices and in accordance with the Basel norms there is a need for the Banks to classify NPAs into categories based on the migration of the assets from good to bad. The Non […]

Provisioning for Credit Risk under NPA Management

In case Standard Assets the banks have to make a general provision of 0.4% on all its financial assets except in respect of those extended to the priority sectors like Agriculture and Small & Medium Enterprise , where it is 0.25%. In case of Commercial Real Estate it is 100% If the asset is classified […]

Why is the Global Crude Oil Price Declining???

By – Prof. Soman Nambiar, Sr. Professor, School of Management, Presidency University The days of boom for the Oil Industry seem to be over. The Oil industry is experiencing the biggest downturn since the late Nineties. Oil companies have been forced to decommission more than 70% of their rigs along with sharp reduction of investment […]

The Pre-Budget Economic Scenario- Is it as good as it is projected?

By – Prof. Soman Nambiar, Sr. Professor, School of Management, Presidency University The much awaited Pre-Budget Economic Survey is out. As always, it captures the scenario quite articulately but is the picture what it is? Highly debatable indeed. Let us analyse 3 critical economic factors discussed in the survey. Finding #1: It has pegged economic […]

Trading in Commodities – Does it guarantee returns?

Commodity-Trading in the Exchanges involves predetermined standards so as to ensure that trades can be completed without recourse to visual inspection of the underlying assets. Trading and/or investing in commodities can be very different from trading and/or investing in equity [share] instruments or debt [bonds] instruments.   Commodity prices are very sensitive to global economic conditions. […]

How to Change Name in a Birth Certificate in Bangalore

Submit an Affidavit of name change in your respective district court (Eg. Mayo Hall in Bangalore) before a Magistrate or Notary Public. In the affidavit, mention the current name and the desired new name. Also mention in brief the reason for name change. The affidavit must be made on a Non-Judicial stamp paper of minimal […]

Why this logjam on passing of GST?

Prof. Soman Nambiar Sr. Professor, School of Management Presidency University, Bangalore soman@presidency.edu.in   Lets us understand the concept of GST!!!!!   Goods and Services Tax [GST] is defined as “any tax on supply of goods and services other than on alcohol for human consumption”. A value added tax levied all along the supply chain, it […]

‘Insolvency and Bankruptcy Code, 2015’- What it means to the World

By – Prof. Soman Nambiar Sr. Professor, School of Management, Presidency University, Bengaluru The talk of the Town is “ Dr.Vijay Mallaya and his financial woes” This event, though unfortunate on its own, is closely related to the Bill introduced, in December 2015, in Parliament. The Bill, referred to as the ‘Insolvency and Bankruptcy Code, […]

The Bankruptcy Code- Will it prevent the Encore of Affair la Vijaya Mallaya??????

Prof. Soman Nambiar Sr. Professor, School of Management, Presidency University, Bengaluru The Bankruptcy Code is touted as the next most significant reform to hit India post the Goods and Services Tax Reforms. Per statistics released by the World Bank recently credits India with the taking on an average of 4.3 years to resolve an Insolvency […]

Organizational Citizenship Behavior (OCB)

One of the most widely studied topics in organizational behaviour research in recent years is Organizational Citizenship Behavior (OCB). The concept was introduced by Bateman & Organ in 1980s and later refined and strengthened by number of researchers such as Podsakoff and Mackenzie (1993), Jahangir et al., (2004); Khalid and Ali (2005). Organizational Citizenship Behaviours […]

Connected Consumers – An alarming Enemy or Friend?

By – Dr. K. Balanagarajan, Assistant Professor, School of Management, Presidency University   Matching a buyer with a seller is an important task in marketing a product. Consumers search, select, and purchase the products or services that fit their needs. The social media platforms have emerged as one of the driving forces of sharing consumer’s […]