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Saloni Ramakrishna

Managing Liquidity in Covid Times – The Cash Flow Story - A Segmented approach for the “New Normal”

“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- ...

14 Jun 2021
Banking Strategy, Digital and Transformation
Saloni Ramakrishna

Profitable Paradigm - Through the Lens of Profitability in Covid times

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 ...

28 Sep 2020
Banking Strategy, Digital and Transformation
Saloni Ramakrishna

Profitability Paradigm : Capital Compression - Balance Sheet Story

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...

27 Jul 2020
Banking Strategy, Digital and Transformation
Saloni Ramakrishna

Profitability Paradigm : Margin Compression - The P & L Story

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 tra...

29 Jun 2020
Banking Strategy, Digital and Transformation
Saloni Ramakrishna

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

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 Liquidit...

08 Jun 2020
Banking Strategy, Digital and Transformation
Saloni Ramakrishna

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

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 int...

19 Mar 2019
Banking Strategy, Digital and Transformation
Saloni Ramakrishna

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

The word “Industrialization” brings to mind manufacturing Industry, particularly automobile Industry. It was the 1950s, faced with unprecedent change, automobile industry took to Industrialization tha...

08 Oct 2018
Banking Strategy, Digital and Transformation
Saloni Ramakrishna

AnaCredit - Is it One regulation or Many? A look at the impact of National variations.

It depends on who is answering that question. Really!! It is a single uniform regulation at the ECB (European Central Bank) level with clearly spelt our coverage. To ECB’s credit they have given compr...

31 Aug 2017
Financial Services Regulation
Saloni Ramakrishna

AnaCredit - the Nuanced regulation

I am quite fascinated with the European Central Bank’s (ECB’s) AnaCredit Regulation that came into effect on 18th May 2016 – A regulation that requires granular credit data sets from the national cent...

24 Apr 2017
Financial Services Regulation