BS Banking Round Table
BS Banking Round Table
Sanjay Nayar: Size matters a lot because you can't have 87 banks with a total market cap of $140 billion and a total balance-sheet of less than $1 trillion to meet the demands of an economy which has an ambition to grow at 7 or 8 per cent.
Gunit Chadha: Demand will stay strong for money andsupply will still get restricted, but for a different reason - risk... It's a bit like Formula One. It cannot be going on the straight path only and has to slow down when it reaches a curve.
Aditya Puri: We must understand that banks are not only for lenders. I would like my depositors also to sleep happily. So, we are here to finance viable projects. Flow of credit is a function of both liquidity as well as viability of a project.
H A Daruwalla: Your firewalls may be in place, but a conman is definitely going to outdo a common man, the give a banker sleepless nights. Everything will be alright
O P Bhatt: Project development or preparation is just not taking place. If we start having the kind of infrastructure projects that the country needs, we have absolutely no money - medium-term and long-term.
Chanda Kochhar: Global sources of funding are drying up. So there is that much more requirement of rupee liquidity, which is creating this apparent illusion that banks have money and they are not lending.
T S Narayanasami: Two areas need attention. One is credit delivery and the other is credit quality. Both are important in today's context. Unless pricing is made more conducive, credit will not flow to the common man.
Neeraj Swaroop: This could be the time for the government to look at the whole banking structure and I am not pointing at the ownership of state-owned banks but at greater operational autonomy. This will generate more competition in the market.
Aditya Puri has won the Business Standard Banker Of The Year award (on the basis of a poll among the newspaper's senior editors) for transforming the 14-year old institution into a financial powerhouse. HDFC Bank today has the largest branch network (1,400) among all private sector banks in the country, courtesy the acquisition of Centurion Bank of Punjab. The smooth integration of the buy tilted the scales in his favour. In many ways, Puri is a pioneer in banking M&As, having acquired Times Bank back in 2000. That was the first merger of two new-generation private banks in the country.
Aditya Puri said his bank's strategy of sticking to prudent lending policies and staying away from the Indian sub-prime market of small-ticket personal loans and avoiding participating in any price war to garner market share have helped.
HDFC Bank, which has often been criticised by its peers for being too conservative, has managed to put up a healthy show year after year. At a time when most banks are scaling back growth to ensure that loan books look healthy, Puri said it is business as usual for his bank and he is expecting his business to grow by around 25 per cent.
"We got a bank with a huge distribution network, though it was not used to the extent it should have because a lack of products," the 58-year-old MD said.
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