Warrier's blog

https://notionpress.com/read/ india-s-decade-of-reforms My second book "India's Decade of Reforms Reserve Bank of India at Central Stage" published by Notion Press. Priced Rs 399 the book is available at Notion Press and Amazon.in M G Warrier

http://kamadenu.blogspot.in/2018/01/yadavabhyudayam-13-govinda.html?m=1 So they started worshipping as GOVINDA M G Warrier

http://www.thehindu.com/society/faith/bhakti-takes-root/article22530321.ece Different dimensions of devotion ( Bhakthi Bhava) M G Warrier

Economic Survey 2017-18: The Hindu http://www.thehindu.com/news/ resources/read-economic- survey-2017-18/ article22550202.ece Last few years, ES approach to issues doesn't give much clue about what's in store in the budget that follows M G Warrier Moneylife article: http://www.moneylife.in/ article/after-economic-survey- much-now-depends-on-budget- 2018-19/52918.html

REMEMBERING MAHATMA GANDHI http://www.dailyexcelsior.com/ 584202-2/ M G Warrier

Invaluable assets: Faith Column, The Hindu http://www.thehindu.com/ society/faith/an-invaluable- asset/article22543931.ece Perseverance pays M G Warrier

http://www.thehindubusinessline.com/opinion/letters-to-the-editor/article22561412.ece PSBs under pressure Please use the link to read my letter in Business Line M G Warrier

http://moneylife.in/article/need-to-institutionalize-behaviour-or-service-audit/31366.html Concept of performance audit M G Warrier

http://premium.thehindubusinessline.com/portfolio/macro-view/psbs-need-to-adapt-to-stay-competitive/article22544415.ece Sent a letter to the editor M G Warrier

https://www.speakingtree.in/govinda-warrier/blogs My Blog @speakingtree.in M G Warrier

http://www.thehindu.com/opinion/open-page/the-commute-between-life-and-death/article22536716.ece

Blink: Happy Meals http://www. thehindubusinessline.com/ blink/hang/happy-meals/ article10051428.ece M G Warrier

Life lesson http://www.thehindu.com/ opinion/open-page/a-life- lesson-the-next-day-is- invariably-a-better-day/ article22536754.ece Please read and respond... M G Warrier

http://m.thehindubusinessline.com/blink/cover/tca-srinivasaraghavan-the-silence/article10039775.ece Scared of silence? Read the footnote first! M G Warrier

http://www.frontline.in/books/prioritising-the-poor/article9946813.ece Prioritizing the poor: Frontline review M G Warrier

http://www.thehindu.com/society/faith/every-effort-counts/article22530311.ece No fall is final... Very inspiring thoughts. Every time one falls There is a force that Extends a helping hand Encouraging and supporting One, to get up and Pursue the unfinished tasks M G Warrier M 134

http://www.livemint.com/Companies/hBLH4KjYYPh0BvdXuehr9H/TPG-consortium-is-said-to-bid-1-billion-for-Tata-fiber-arm.html?utm_source=newsletter&utm_medium=email&utm_campaign=newsletter

https://economictimes.indiatimes.com/news/politics-and-nation/president-ram-nath-kovind-asks-rich-to-give-up-for-those-with-greater-need-in-his-republic-day-speech/articleshow/62653043.cms

https://www.thebetterindia.com/128981/republic-day-2018-check-out-unique-floats-parade/?utm_source=onesignal&utm_medium=pushnotif&utm_campaign=pushnotif&utm_content=pushnotif Republic Day 2018: Curtain Raiser M G Warrier

http://wap.business-standard.com/article/economy-policy/india-to-be-a-5-trillion-economy-by-2025-full-text-of-modi-s-wef-speech-118012301442_1.html?utm_source=campaign_pn&utm_medium=push_notification&utm_campaign=browser_push&utm_content=&utm_term= PM Modi's Davos address, January 23, 2018 A great speech... M G Warrier

https://m.economictimes.com/8-signs-that-tell-whether-you-are-saving-money-or-hoarding-it/editionlist/edition-730,artid-62578074.cms?utm_source=newsletter&utm_medium=email&utm_campaign=ETwealth&ncode=df90420ae486715839b3e6506dd3f6d6 Interesting article M G Warrier

http://www.thehindu.com/society/faith/always-in-charge/article22486210.ece Lessons from Bharatha and Ramayana: 1) Do your duty 2) Take rest when tired. Fight can wait. M G Warrier

http://wap.business-standard.com/article/opinion/out-of-office-letter-to-bs-on-prez-approves-disqualification-of-aap-mlas-118012201195_1.html Make legislator's job full-time Presently there's no bar for professionals elected to legislatures pursuing their primary profession as lawyers artists etc Once elected to legislatures, they should devote 24X7 for their work as legislators. M G Warrier

https://www.thebetterindia.com/124251/anti-corruption-un-award/?utm_source=onesignal&utm_medium=pushnotif&utm_campaign=pushnotif&utm_content=pushnotif An organization in Karnataka wins Anti-Corruption UN Award. M G Warrier

https://m.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=42887 Time to think in terms of reducing number of designs and sizes(of notes also M G Warrier

http://www.frontline.in/books/a-rare-harvest/article9997806.ece Frontline review of an interesting book on South Indian Literature M G Warrier

https://www.speakingtree.in/blog/spiritual-wellbeing A Blog posted by: M G Warrier

http://www.thehindu.com/opinion/open-page/till-they-meet-again/article22482188.ece One has to travel back in time to appreciate the feelings excellently brought out in the article M G Warrier

https://m.rbi.org.in/Scripts/BS_PressReleaseDisplay.aspx?prid=42925

WEEKEND LIGHTER: BUDGET WITH A FOCUS (January 16-22, 2018) I-Cover Story Budget with a focus This refers to Chandrajit Banerjee’s piece “Focusing on growth” (The Hindu Business Line, Budget wish list, January 17). No one can dispute the rationale in prioritization of investment revival, job creation, agricultural growth, education and healthcare (not necessarily in that order) as key focus areas  for Budget 2018-19. Expectations galore, as this is going to be the ‘last’ full year budget before the next elections. Finance Minister Jaitley may have to be a magician, tight-rope walker and a mathematical wizard, all-in-one while putting together a budget that will meet the gallery expectations from his forthcoming budget. Centre’s fiscal responsibility commitments, unquenchable political thirst for populist measures that will attract votes and the pushes and pulls from states which had recent elections or are going for elections shortly will all add to the nightmares of

http://wap.business-standard.com/article/economy-policy/wef-pm-to-interact-with-over-100-ceos-in-davos-apprise-them-of-reforms-118011900751_1.html?utm_source=campaign_pn&utm_medium=push_notification&utm_campaign=browser_push&utm_content=&utm_term= PM Modi's Davos schedule M G Warrier

http://googleweblight.com/i?u=http://www.thehindu.com/opinion/open-page/the-many-charms-of-winter/article22386292.ece&hl=en-IN&tg=139&tk=11694801940935662291 Not for those lucky few on the other side of the planet who have experienced real winter. You will enjoy the narration M G Warrier

http://www.thehindu.com/society/faith/his-name-saves-us/article22457914.ece I had the good fortune to listen to Vishnusahasranama chanted by father almost everyday by my father for about seven years (1952-9) M G Warrier

http://m.thehindubusinessline.com/economy/govt-cuts-201718-extra-market-borrowing-needs-by-60/article10036186.ece Posted online comments M G Warrier

http://www.thehindu.com/society/faith/powerful-garuda/article22451113.ece#a-comments Interesting way to drive in principles of philosophy M G Warrier

Union Budget 2018: Relieving agrarian stress requires focusing on industry : Preparation for Union Budget 2018 is in full swing and FM Arun Jaitley made clear agriculture sector will receive high priority. Know more updates on Budget 2018 and Agriculture budget 2018.... See the previous post "Focusing on growth" to read my Budget Expectations. MG Warrier

Focusing on growth : Jobs, farming, healthcare and education matter... Budget with a focus This refers to Chandrajit Banerjee’s piece “Focusing on growth” (Business Line, Budget wishlist, January 17). No one can dispute the rationale in the prioritization of investment revival, job creation, agricultural growth, education and healthcare (not necessarily in that order) as key focus areas for Budget 2018-19. Expectations galore, as this is going to be the ‘last’ full-year budget before the next elections. Finance Minister Jaitley may have to be a magician, tight-rope walker and a mathematical wizard, all-in-one while putting together a budget that will meet the gallery expectations from his forthcoming budget. Centre’s fiscal responsibility commitments, unquenchable political thirst for populist measures that will attract votes and the pushes and pulls from states which had recent elections or are going for elections shortly will all add to the nightmares of the Finance Ministe

http://m.thehindubusinessline.com/opinion/the-other-face-of-private-banking/article10033490.ece Who's doing India's Banking Business? M G Warrier

Truncated articles On Saturday, January 13, 2018, I had forwarded a link to a Business Standard article "Urging Urjit Patel" by TCA Srinivasa-Raghavan to my friends. When one opens the link, only the introductory paragraph of the article will appear and a message would advise, to read full article one has to be an online subscriber. One of my friends suggested that we should not share such articles, where "marketing" is involved. I do not agree with this view. I will continue to post such links here and will also share them with other friends and friends interested in following my responses to such premium contents in the media may access this blog: www.warriersblog.com  Perhaps, nothing on earth is free. Those who open my blog/mail and get stuck with the incomplete article because of “premium content” issues, may send individual emails to  mgwarrier@gmail.com  and I will send a snap of the article, where I have read full articles from print editions. In

http://www.thehindu.com/news/national/other-states/sikkim-allows-people-to-forge-fraternal-ties-with-trees/article22437418.ece A welcome novel idea to preserve trees M G Warrier

http://www.thehindu.com/opinion/open-page/the-life-of-a-remarkable-fighter-and-survivor/article22436909.ece#comments Posted online comments M G Warrier

http://www.business-standard.com/article/opinion/urging-urjit-patel-118011201346_1.html Interesting article by TCA Srinivasa-Raghavan

Shekhar Gupta: Judiciary on trial: It is up to CJI Misra to end this crisis : The four judges have shattered the judiciary's code of silence. It is up to CJI Misra to end this crisis... Apex mutiny Apropos Shekhar Gupta’s piece “Judiciary on trial”, using aptly chosen words at such short notice (BS, National interest, January 13), one would love to go with the optimism that before this letter goes to print, the contours of a consensus solution to get over the impasse amicably would have surfaced. The current decade has been witnessing a peculiar situation in Indian political system in regard to hierarchical issues from the role of the President to running of local self-government bodies. Several issues which can have only a political solution through democratic processes were routinely getting referred to the judiciary for the decision, overburdening an ill-equipped judicial system. Ideally, courts should have desisted from the temptation to consider issues which should h

http://www.thehindu.com/society/faith/knowledge-of-self/article22422447.ece We learn many things all through life. But, when the real test comes, which has to be faced alone, some of us become diffident. The situations we face were never explained to us earlier. Here self-knowledge helps. For me, self-knowledge is the understanding that I am just a 'tool' in the hands of an omniscient craftsman and I've limitations, which he is aware. M G Warrier

RBI can do with some glasnost : It should open up and share more information through seminars and workshops. Also, a Beige Book might be in order... Clarity in communication Apropos Charan Singh’s well-researched piece on transparency in policy communication by Reserve Bank of India (RBI can do with some glasnost, January 13), one has to concede that there is always scope for more openness in policy announcements by the central bank. The current decade has seen several short-term appointments at higher levels in RBI. This has affected the body language of the institution, despite its having a dedicated professional research team capable of providing policy inputs of a high academic standard. To be specific, Duvvuri Subbarao being a professional bureaucrat was diplomatic, Raghuram Rajan was outspoken and the present governor Urjit Patel is soft-spoken and a man of few words but has no confusion about his role. The three governors had three different types of deputies and while the tea

WEEKEND LIGHTER: LEARNING FROM EXPERIENCE (January 8-14, 2018) I-Cover Story Learning from experience: The art and science of publication In 2014, I published my first book "Banking, Reforms and Corruption: Development Issues in the 21st Century India" The publisher was Sampark, Kolkatta. The book is still available at Flipkart. Being a fresher in the publication field, I learned many new things by publishing my first book. Armed with the experience, I am publishing my second book this year. When I am keying in this blog, Sai Kishore in Chennai is designing a cover for my new book. This book will have double the number of pages my first book had. My first publisher was new to publishing books on finance. And new to modern marketing ideas/techniques. So, after watching the progress of my second book, I may consider a reprint or at least eBook version of my 2014 book. Keep surfing this Blog for further progress of my second book... M G Warrier II Recent respo

Publication of a book In 2014, I published my first book "Banking, Reforms and Corruption: Development Issues in the 21st Century India" The publisher was Sampark, Kolkatta. The book is still available at Flipkart. Being a fresher in the publication field, I learned many new things by publishing my first book. Armed with the experience, I am publishing my second book this year. When I am keying in this blog, Sai Kishore in Chennai is designing a cover for my new book. This book will have double the number of pages my first book had. My first publisher was new to publishing books on finance. And new to modern marketing ideas/techniques. So, after watching the progress of my second book, I may consider a reprint or at least eBook version of my 2014 book. Watch this space for further progress of my second book... M G Warrier Mumbai

http://www.thehindu.com/todays-paper/tp-features/tp-fridayreview/the-balancing-act/article22426706.ece HAPPY PONGAL The Hindu has a way of explaining the significance of rituals and ceremonies that accompany festivals and celebrations. Read this brief article on Pongal M G Warrier

RBI, Nabard flag inclusion of cooperative banks : The RBI and the National Bank for Agriculture And Rural Development (NABARD) have rais...

http://wap.business-standard.com/article/opinion/letters-an-innovative-budget-113022600549_1.html This letter was published in Business Standard in 2013 before Budget 2013-14 This year, I've repeated the same expectations! M G Warrier

http://www.thehindu.com/society/faith/shepherd-boys-verse/article22369096.ece The shepherd boy's verse Ego vanishes when one gets stuck...

Economics or politics? It’s a toss up for Jaitley : Even while tackling fiscal deficit, volatile oil prices and agrarian distress, the Finance Minister will keep an eye on elections, too... Budget expectations* Finance Minister Jaitley may have to be a magician, tight-rope walker and a mathematical wizard, all-in-one while putting together what it could turn out to be the last ‘full budget’ of the current regime in Delhi. FM may have no difficulty in making choices among populist measures or cutting and pasting some changes in paragraphs on direct taxes. Problems will crop up when he has to speak about legacy issues like agricultural income tax or taxing the super-rich. While so much concerned about the recovery of NPAs or common man’s woes arising from Aadhaar-linking requirements, media and analysts opt to remain silent when it comes to the pockets where money is getting accumulated, adding new billionaires and making the rich super-rich. At some stage, FM will have to id

http://wap.business-standard.com/article/economy-policy/rbi-researchers-say-attack-on-aadhaar-can-cripple-economy-doubt-its-pros-118010900158_1.html

http://www.thehindu.com/business/Industry/avoid-belching-at-meetings-sbi-tells-staff/article22399428.ece SBI HRMD circular on employee behavior Excerpts from circular: “Every employee is a Brand Ambassador for the Bank and his or her appearance and demeanor have an impact on the image of the Bank.” My VIEW: This is a right move from the nation's biggest bank towards worker education. I never expected The Hindu can come to this level. From the report, I find the SBI guidelines go well with the Bank's expectations from its staff (see excerpt above) and there are several issues covered in the internal guidelines on employee behavior issued by SBI HRMD, in addition to "belching" highlighted in the caption in this report. The anxiety of the newspaper to attract readers' attention through headlines like this is indicative of a complex normally found in evening papers of a particular category. Of course, SBI HRMD also could have communicated some of the

http://www.frontline.in/books/prioritising-the-poor/article9946813.ece

http://m.thehindubusinessline.com/opinion/bail-in-frdi-bill-not-a-problem-for-depositors-india/article10020401.ece FRDI Bill Also listen to this former banker M G Warrier

http://www.thehindu.com/todays-paper/tp-features/tp-metroplus/the-chaos-theory/article22394242.ece The chaos theory: Decluttering helps M G Warrier

http://m.thehindubusinessline. com/opinion/editorial/the- issue-of-bank-charges-on- depositors-needs-a-regulatory- relook/article10018647.ece Posted online comments. My response: Unreasonable charges This refers to your editorial “Paying the price” (Business Line, January 8). Banks which are dependent on the trust reposed by depositors should be extra cautious while doing anything that can affect the sentiments of their clientele including depositors. In regard to levying service charges and penalties of various types including the one for failure to keep minimum balances, this caution is conspicuous by its absence in both public sector and private sector banks. Ever since the deregulation of lending and deposit rates long ago, the track record of banks has not been much encouraging. While RBI Governors have sometimes lamented and at times expressed desperation about banks being fast in increasing lending rates and slow in passing on benefits of rate cuts, the present

http://www.thehindu.com/news/national/uidai-under-fire-for-fir-against-scribe/article22392592.ece Unauthorized access to Aadhaar database? M G Warrier

http://www.thehindu.com/opinion/open-page/the-case-for-the-samosa-as-national-snack/article22384690.ece Posted online comments M G Warrier

WEEKEND LIGHTER: ELECTORAL BONDS AND TRANSPARENCY ISSUES (January 1-7, 2018) HAPPY NEW YEAR I-Cover Story Electoral Bonds and Transparency Issues   This refers to your editorial* "Electoral Bonds Eschew Transparency" (Economic Times, January 4). While all the issues raised are most relevant in the context, the apparent aversion to transparency in transactions is intriguing. The reference is to the lament about loss of anonymity, as banks and government will get to know the details of the donors and the recipients. Banking and governments survive on public trust.  While the political opposition will take time to become proactive for historical reasons, media can afford to be a little more supportive when government's intentions are not doubtful. M G WARRIER , Mumbai *Link below: http://wap.business-standard.com/article/economy-policy/fm-announces-contours-of-electoral-bonds-for-funding-of-political-parties- II Some useful links Raghuram R