Join the Community

23,511
Expert opinions
41,364
Total members
355
New members (last 30 days)
190
New opinions (last 30 days)
29,142
Total comments

Latest expert opinions

clear
clear

4 Results from 2020

Saloni Ramakrishna

Saloni Ramakrishna Author; Senior Director at Oracle

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 retail, commercial/ SME or corporates in affected industries. Connecting the dots across my previous three blogs, the big picture is that banks thems...

/regulation /covid-19 Banking Strategy, Digital and Transformation

Saloni Ramakrishna

Saloni Ramakrishna Author; Senior Director at Oracle

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 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 ...

/regulation /covid-19 Banking Strategy, Digital and Transformation

Saloni Ramakrishna

Saloni Ramakrishna Author; Senior Director at Oracle

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 transactions (both in volumes & value) of the banks. (https://www.finextra.com/blogposting/18844/profitability-paradigm-moving-from-business-continui...

/retail /covid-19 Banking Strategy, Digital and Transformation

Saloni Ramakrishna

Saloni Ramakrishna Author; Senior Director at Oracle

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 Liquidity, Solvency and Profitability. Safety, Stability plus Social and Economic relevance are as critical given that banks are powerful economic instrument...

/regulation /retail Banking Strategy, Digital and Transformation

Now Hiring