Academics

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How Could Banks Lend Rs 9000 crores With Only 10% Security - Views From Prabhakar

How Could Banks Lend Rs 9000 crores With Only 10% Security - Views From Prabhakar

In the case being heard by the Supreme Court from the 17 public sector bank consortium, the only worry should not be that Vijay Mallya has fled the country.  It is also that a consortium of banks gave away loans to a beleaguered Kingfisher by breaking the norms of sound banking practices.  So we should be more worried about the banks fleeing away as well from their responsibility as bankers to the nation.  Because then  the government and the public will be left holding the can!  And the perpetrators of this gigantic financial indiscretion will all slink away quietly into the sunset.

Prabhakar Mundkur
The Tug Of War Between Offline And Online Retail

The Tug Of War Between Offline And Online Retail

E-Commerce has left a deep impact on the way people once shopped. With the increasing penetration of smartphones and emergence of online marketplaces, online portals are drawing large pools of loyal customers away from their favorite physical retailers, the latter finding it tough to keep up with the variety and prices that these portals offer.

Suresh Kabra
What Is Good Debt And Bad Debt And How To Manage It

What Is Good Debt And Bad Debt And How To Manage It

Being able to borrow too much allowed many of us to make bad decisions - decisions that led to painful consequences. While debt can help us build assets and achieve dreams, it is also true that debt can lead into a maze that is extremely difficult to unravel. Sudipto Dasgupta is confused. He borrowed money from the bank for a home loan and also some more money as a personal loan to buy a home theatre system to enjoy the music that he loves. His financial advisor tells him that while a home loan is "good debt", acquiring a home theatre system worth Rs 1 lac is bad debt.

Rajiv Raj
Why Sales Must Be More Important Than Marketing

Why Sales Must Be More Important Than Marketing

I know many marketers who complain that marketing is always treated as a second-class part of the business. And while as a marketer I know the importance of providing consistently effective marketing, I also know that if other parts of the business are not effective, then you cannot fix it with any level of marketing.

David Liff
Microsoft, Mobile and Why Microsoft should have bought Slack

Microsoft, Mobile and Why Microsoft should have bought Slack

I for one, totally buy Microsoft’s positioning as the productivity and platform company for the mobile-first and cloud first world. I think it’s an excellent business opportunity, and although the prospect of selling to corporate executives in dull suits may not inspire a fanatic fan-following among the masses, it is the right thing to do - the addressable market, especially in cloud computing, and for Microsoft as a one-stop solution for all corporate IT needs, is quite large, and the company is just getting started.

Shyam Sunder RamaKrishnan