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Saloni's blog archive

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Saloni Ramakrishna

Saloni Ramakrishna

Value Architect; Senior Director at Oracle
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Bio Author, Columnist, Value Architect, Vlogger, Blogger, Speaker and Panelist at prestigious Industry events. Career History Financial services industry practitioner with nearly three decades of experience. Rich hands on knowledge and real world perspectives in the areas of Risk, Compliance, Performance and Data Management.


Banking Strategy, Digital and Transformation

Profitability Paradigm : Margin Compression - The P & L Story

29 Jun 2020

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. (

Banking Strategy, Digital and Transformation

Profitability Paradigm. Moving from Business Continuity to protecting Margins to growing P & L.

08 Jun 2020

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...

Banking Strategy, Digital and Transformation

Industrialization of Risk and Regulatory Processes in Banking , The way forward

19 Mar 2019

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...

Banking Strategy, Digital and Transformation

Navigating Regulatory demands - Industrialization, a win- win approach.

08 Oct 2018

The word “Industrialization” brings to mind manufacturing Industry, particularly automobile Industry. It was the 1950s, faced with unprecedent change, automobile industry took to Industrialization that spelt a paradigm shift which impacted both their business and operating models. Banks are going through a similar phase of not just unprecedent cha...