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Cover Story

Feb 14, 2016
Features Best In Class

Best In Class

The bank has been using the developments in the digital world to streamline operations. It has been investing a lot in data warehousing, social media linkages, data analytics and mobile-based innovations.

Enter the challengers

Payments banks will penetrate the remotest villages - possibly with a lot of help from the mobile phone. Their success will depend on how they approach the market and their value propositions.

A long Road Ahead

In the past four years, the gross NPAs of banks have climbed up from 2.36 per cent to 4.3 per cent of total assets to Rs 3,23,344 crore.

Small Is Beautiful

The bank is looking to grow 10 per cent above the industry average. "Our investors expect it," says Managing Director and CEO Vishwavir Ahuja who has managed to transform the erstwhile Ratnakar Bank into the country's fastest-growing small bank.

The A-Team

Before you go handpicking your social media A-Team, a healthy amount of introspection is in order. Do you have goals in place for the social media team?

Steady Ascent

Till recently, it was focusing on the corporate and commercial lending side of the business that has seen it rake up a balance sheet size of Rs 1.36 lakh crore in merely 11 years of operations.


One of the innovations, Mobile banking, has seen impressive growth. The proof is in the numbers. The bank clocked Rs 15,775 crore in mobile transactions for the full year 2014/15.

Beyond Opening Accounts

India's largest bank is using technology and banking correspondents in a big way to take financial services to remote areas.

A Sorry Saga

Banks in India have been hit by bad loans, stressed assets and poor credit growth.

India's Best Banks: Full Rankings

Business Today-KPMG survey on India's best banks.

A Ringside View

The author reminisces about his earnest attempt at bringing about reforms in a rigid government system during his stint at the Planning Commission.


MoS Finance Jayant Sinha and RBI Governor Raghuram Rajan will be the chief guest and guest of honour, respectively, at the Assocham banking summit.

One-branch Show

In the middle of a global restructuring exercise, Credit Suisse AG, India, is carving out a unique way to map its growth path.

India Shining

Deutsche Bank is facing headwinds in other parts of the globe, but has hit pay dirt in India.

New Turf War

Payments banks have thrown their hats in the ring to take on an established banking industry on the back of innovations and first-mover advantage. Will the banks be able to counter with equal zeal?

Greening Begins at Home

The once elitist market for green buildings has rapidly percolated downwards.

Kotak's Big Leap

The Bank has aggressively scaled up its footprint with the acquisition of ING Vysya Bank.

How we did it

The oldest banking award in the country just got a qualitative makeover.

Dig into e-wallets

Replacing your physical wallet, plastic money or net-banking solutions with mobile wallets may not be an option for you. If that's what you think, you could be missing a trick or two.

Innovations @CES 2016

Smartphones, TVs, wearables, driverless cars...the Consumer Electronics Show at Las Vegas witnessed a host of launches, but what caught our attention, instead, were some innovations that will act as a founding stone for upcoming technologies. Here are a few innovations worth mentioning.


The Microsoft Surface Pro 4 is a hybrid - a big tablet that doubles up as a laptop with a slim cover. It comes with a surface pen, or stylus, that allows you to take notes and draw.

"Can't have just one product in the market"

Philippe Delpech, President of Otis Elevator, talks to Venkatesha Babu about demand for elevators and escalators in a slowing global economy and lessons from India.


$1.76 trillion Combined wealth of the 3.5 billion poorest people in the wealth - that is, half the world's poorest.
Editors note Streamlining Banking Systems

Streamlining Banking Systems

Among the big changes the banking system in the country saw last year was the 10 licences given out to small finance banks and the in-principle approval given to 11 players for setting up payments banks.
People People Business

People Business

The top-deck shuffle at the largest e-commerce marketplace Flipkart has got everyone talking.
Letters Letters to the Editor

Letters to the Editor

Business Today readers share their feedback on the magazine's coverage.
Event Teeing Off in the Financial Capital

Teeing Off in the Financial Capital

Top CEOs participate in the Mumbai leg of the LLOYD-Business TodayPro-Am of Champions 2016.
Focus The Car Pricing Puzzle

The Car Pricing Puzzle

Are auto firms justified in raising prices of cars despite a record fall in commodity prices?

Reform Path

The Easwar panel report enthuses India Inc by recommending bold tax reforms.

Waiting For A Cue

A sustained slump in stock prices will send the IPO market into a tailspin.