Mr Bandhopadhyay, I do agree knows a thing or two about banking ( from outside sources/watch).But he has never been the one from the sector. So, his understanding may wash with CS Ghosh of Bandhan but not with people who have been in the sector as such. All in all he has been an advisor having never served in a bank or FI.So, he is not aware of insider view or things what drive a bank. It is quite easy to access reporst and data and conjure up an article or book ut quite another to e an expert having insiders perspective. No wonder rather naively he advises that Bandhan should not venture in to corporate banking and rather focus on micro segment only. In that case, why apply and lobby for bank's license. At best BAndhan could have and would have gor small finance bank's license. Or is it the case of not having done the home work and after having got the license developing seconf thoughts lest it bleeds the bank itself. This is the problem with advisors.They are not basically sector people or professionals to actually guide.They are just there for sake of it.In any case an outsider would not know risk assessment of profiling or risk taking or even the tools of risk management, business development and other instruments available to a banker to work around and seize the opportunities.Its all about experience, expertise and exposure. And sadly, Mr Bandhopadhyay has none of it. Writing books is one thing, managing banks or any institution is another.
