Photo taken while welcoming the Lions, Lionesses, Invitees, and others at Town Hall, Udupi on January 04, 2014 during the visit of District Governor MJF Ln HN Shivakumar, Lns Nirmala Kumar, two VDGs MJF Ln Suresh Prabhu and MJF LN Sridhar Shenava, Region and Zone Chairmen, et al

Photo taken on 1st Jan 2014 at the Terrace Party of TAPMI Faculty members and families.

My Personal Facebook page

Spending some time every day on Face Book pages has become the order of time now.  This new facility has no boundaries in making friendships and networking with people world over irrespective of age, gender or geographical limits.  Not only we post our feelings, views, photographs or events like birthdays, wedding anniversaries, travel or tourism to various places, liking or sharing of others views or photographs.

It also is a fast mechanism to spread messages and photographs by not only individuals but institutions, media, political parties, business houses, clubs or groups of people with whom we have bondage.  Here is my page containing so many such views, thoughts, news, photos, etc.  Today, I have over 2,100 friends from different backgrounds and age groups.  I have been able to locate so many old friends from school or college days.

Year 2013 left quietly but not without leaving its foot prints.  Many good and bad but notable events took place both in the personal and official front for myself.  Similarly, at the national and global level too, several memorable developments took place.  We only look forward to some more new events to shape up in the year 2014 that arrived.  With hope we live and keep dreaming!

Re-Union of 1977 batch of TOs of SBI, Hyderabad Circle (only 14 present here - 6 absent and 3 expired prematurely) on 12 Dec 2013 at Taj Tristar, Secunderabad when Sreedhar from Canada dropped in..........recalling our nostalgic good old days and life events in past 36 years. Sitting L to R: BBRK Durga Prasad, DRGK Murthy, K Chamundeswara Rao, S Krishnan, R Narayanaswamy, Prof Chowdari Prasad K Nageswara Rao and Standing L to R: K Ananda Prasad, N Sreedhar, Prasad Bsr, MVR Sainatha Rao, K Ramamohana Rao, ChBV Sarma and P Lakshminarayana

India's Best Banks 2013 : BT Survey Results

Its an annual exercise, or I may say ritual.  Now a days, even RBI compiles the profiles of all commercial banks in public, private and foreign category with their respective business data, efficiency indicators in comparison to the industry averages. Around November every year, RBI also brings out a comprehensive book titled "Trend and Progress of Banking in India", in which the economy, banking and finance world scenario is presented.  'Profile of Banks in India' helps the reader, be a student, banker or a researcher to assess the strengths and weaknesses of a bank operating in India.  All said and done, unlike corporate companies, banks in India strictly follow or comply with the broad policies or guidelines or norms spelt out by the regulator.  There is freedom for the banks to fix their own rates of interest on deposits and lendings, while taking care of Risk Management, Asset Liability Management and Basel Committee obligations.

Each type of banks have their advantages and disadvantages in size, age, location, manpower, stage of automation, board and governance styles, presence abroad, etc.  The results announced by BT for large, medium and small banks on various parameters hardly matter or affect to the banks concerned.  Similarly, customers also go by their own preferences to deal with their bankers.  This survey results not only compute certain metrics and compare within the three groups as also rank the banks and show the outcomes in comparison to the previous year.  SBI, the largest bank in the country, interestingly is ranked at no. 10 (it was at no.7 last year) below its minor counter parts like Syndicate Bank (9), Corporation Bank (8), etc.

I am not too sure who would be using this data - customers - depositors or borrowers or investors.