Banks need to know the value chain in the three stages of input, storage and output of money. The principal objective is to protect the deposit risk through value-added cost-efficient products and creation of good quality investment and credit portfolio. Banks need to stop stashing of bad money into the system and ensure good credit management. Well, bankers' time has come to relearn tricks of the trade. Its up to you to "Glow Your Money", "Slow Your Money", "Snow Your Money" or "Blow Your Money" the choice is yours.

If banks are akin to giant reservoirs storing fuel (public money) for individuals, businesses and the government, bankers are tankers carrying fuel (funds) from surplus units to deficit units. Tankers moving fuel prominently display "highly inflammable, handle with care" notices. Banks too are expected to take all possible measures for safeguarding depositors' money. Fuel is the source of energy used for generating power for producing goods and services for consumption. Banks also use public funds to transform savings into investments for stimulating production and consumption in an economy. when fuel is not preserved, carried or utilized properly, it evaporates, deteriorates in quality and sometimes results in fire, causing havoc. Bank funds that are not managed or monitored properly, likewise result in financial strains and in some cases bust a bank.

So the biggest challenge confronting banks and banking regulators these days is about how to minimize slippages and optimize use of public money for building an efficient and vibrant banking system. Banking companies on their part are reexamining, reviewing and re-adopting value chains in order to remain efficient, cost-effective and profitable in a competitive environment.

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