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Customers who have gone for loan restructuring between December and March 31 will be roughly about 1-1.2% of our portfolio, says Shyam Srinivasan, MD & CEO, Federal BankEarlier, you had projected that Rs 3,500-crore loans will need to be restructured but the request has come for only Rs 1,500 crore. It is great news but how did this drastic fall come about?The big difference between last quarter and this quarter is the reality. People have started seeing businesses doing better and generally the preference is not to be a restructured customer. December end is one milestone as in the retail and corporate customers had a chance to seek restructuring and we have seen experientially people have not opted to. Either they have paid or the situation is too bad for restructuring. I think this has worked out quite well. Customers who have the ability and belief that they will do well and will recover have sought restructuring and that number thankfully for us between December and March 31 … [Read more...] about Shyam Srinivasan on why Federal Bank restructured book is half of estimates

If we do that, I guarantee you we will not fail. We have never ever ever ever failed in America when we have acted together, and so today at this time in this place, let’s start off fresh all of us. Let’s begin to listen to one another again, hear one another, see one another, show respect to one another. Politics doesn’t have to be a raging fire destroying everything in its path. Every disagreement doesn’t have to be a cause for total war, and we must reject the culture in which facts themselves are manipulated and even manufactured. … [Read more...] about Full text of U.S. President Joe Biden’s inaugural address

'She dressed in her usual work style of dark neutrals and simple lines. In the pictures, she doesn't look stiffly styled or glamorously made-over for her debut as a vice-presidential candidate. Her clothes do not look like they've been pulled fresh from a shopping bag,' a report in the Washington Post said. … [Read more...] about With blazers and sneakers, Harris brings in new style of power dressing