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K. Srinivasa Rao
Kembai Srinivasa Rao is Adjunct Professor, Institute of Insurance and Risk Management (IIRM), Hyderabad. He was earlier Director, National Institute of Banking Studies and Corporate Management (NIBSCOM) at Noida. Prior to this, he was Associate Professor (Strategic Management) at the National Institute of Bank Management, Pune as an industry expert. He is a career banker with over three decades of leadership roles in banking operations in India and abroad. He was secretary to the Board of Bank of Baroda and last held the position of General Manager – Strategic Management at the Bank’s corporate office. He has been a part of several internal committees of IIBF/IBA (Indian Institute of Banking & Finance/ Indian Banks' Association). His areas of interest include corporate governance, risk management, risk-based supervision, debt resolution, and strategic management in the banking sector. His academic accomplishments include a Ph.D. in commerce from Banaras Hindu University (BHU), Varanasi, an MBA (finance), and an L.L.B. He teaches and is a regular speaker at national and international academic institutes.
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Amalgamation of public sector banks: The task ahead
The central government has proposed amalgamation of three public sector banks (PSBs), the first stage of which has been completed. This strategic move is touted to be the beginning of transformation of PSBs into smart and agile entities to compete with their private peers. In this post, K. Srinivasa Rao discusses reasons for amalgamation, strengths and challenges of the new amalgamated entity, and ingredients for success of amalgamations in the PSB space.
Financial inclusion in India: Progress and prospects
Financial inclusion is globally considered as a critical indicator of development and well-being of society. In this post, Srinivasa Rao traces the financial inclusion journey in India so far, and discusses prospects for the future.
New resolution framework for stressed assets: Challenges and opportunities
The Insolvency and Bankruptcy Code (IBC), 2016 aims to expedite resolution of stressed assets, and provide an exit route to failed entities. A simplified, generic framework has been developed by RBI for stressed assets of Rs. 20 billion and above, effective from March 2018. In this post, Srinivasa Rao draws lessons from the ongoing resolution processes of the first lot of large delinquent corporate loan accounts for which IBC has been invoked.