RAVI RAGHUNATH
Bank Lending - A Need for Fresh Approach !

Bank Lending - A Need for Fresh Approach !

The sad episode of Cafe Coffee Day chief ending his life as a result of debt burden has once again raised a high degree of intrigue concerning failure and bankruptcy of once blue-chip enterprises. The reason for such failure must be explored especially when the banks are reeling under huge bad debts of their loans. In fact, the banks are going after recovering the bad loans with all their efforts but nobody is bothered about the preventive methods which are essential at the time of granting loans. Due to faulty due diligence and motivated officials, huge loans are disbursed to undeserving borrowers who lose money owing to bad business management. So to avoid this horrifying situation, strict control is required at the time of appraisal of the projects and loans disbursed to sound projects only. In that case, the banks will be spared from taking the fruitless exercise of recovering money from bankrupt borrowers. Prevention is better than cure.

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  20 Mar 2023 10:09pm
I'm so happy that I finally won $13.3 million Mega Millions lottery jackpot, I took an advice from someone who talked about this great spell caster called Dr Lucas, the person placed a testimonies on a blog saying how Dr Lucas helped him win the lottery by sending him the winning number I was curious and I thought it was all joke not until I contacted this spell caster to know for myself how this work cause I have spend a lot buying tickets and I never won anything. I contacted him and he told me the necessary thing that needed to be done and I did it and he told me to wait for 3days and truly he gave me the winning numbers to play the lottery which I did, Can you believe my name was the first among winners. He told me (my daughter all I need you to do for me is make sure that you share this testimonies to others so that they can also win the lottery cause I do not have much time to spend on the internet) so that is why I am sharing this testimony with you that if you want to win the lottery this is how you will reach him through his Email address: Drlucasspelltemple@gmail.com or Whats-App him on +2349047943567 This the only answer to that your prayers of winning the lottery
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  20 Mar 2023 9:02am
It is wonderful to have someone so skilled and understanding of how cyberspace works. I would recommend your service to anyone who finds themselves in a situation of identity theft or cyber crime. I was a victim of a cryptocurrency investment scam running to the cost of $64,000.00. I felt betrayed because I really trusted these crypto guys after seeing my little investment grow into hundreds of thousands. ( hackerspytech AT gmail com) Came to my rescue and helped me recover my investment capital within 36 hours because I did all I could to get my funds back...
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Debbie Arnold  10 Mar 2023 9:48pm
I am out here to speed this good news to the entire world on how I got help from Dr Kachi a great lottery spell caster that will help you cast a lottery spell and give you the rightful numbers to win the lottery, I didn't believe lottery spell at first but as life got harder i decided to give a try, I spend so much money on tickets just to make sure I win. until the day I met Dr KACHI online, which so many people have talked good about, that he is very great when it comes to casting lottery spell, he told me the necessary things to do and behold it was like a magic, i won $20 Million Dollars Florida Powerball Double Play with the numbers Dr Kachi gave to me. his a really trustful person worthy and reliable, i am sharing this to you who have been finding it so hard to win the lottery, Thanks you Dr. Kachi who helped me contact email drkachispellcast@gmail.com OR Text Number and Call: +1 (209) 893-8075 Visit his Website: https://drkachispellcast0.wixsite.com/my-site
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Peter Morgan   31 Jan 2023 12:25am
THIS IS THE BEST THING THAT HAS EVER HAPPENED TO ME I was scammed of $592,000 worth of bitcoin with a scam forest investment unknowingly then, I didn’t know what to do.. I felt like committing suicide, but fortunately for me, my friend introduced me to a cyber crime investigator LORD HACKER ULTIMATE who also helps in recovering lost invested funds, After working with him, to my greatest surprise, in just few days I got all my lost funds back, and he only took just 20% out of the recovered funds, if you have been scammed with fake forex you don’t need to be scared or worried, because you can also reach him on his email: L.H.ULTIMATE@ FASTSERVICE.COM He will recover your lost bitcoins back fast and smoothly... You can WhatsApp him via +13345527213 or visit them on YouTube channel @lordhacker.ultimate, or Instagram: @lordhacker.ultimate and Facebook: https://lordhacker.ultimate.facebook.com/. And you will be amazed…!!
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Julianna Davis   28 Jan 2023 6:03pm
i want to share to the whole world how Dr Kachi the Great of all the Spell Caster, that helped me reunite my marriage back, my Ex Husband broke up with me 3months ago, I have been trying to get him back ever since then, i was worried and so confused because i love him so much. I was really going too much depressed, he left me with my kids and just ignored me constantly. I have begged him for forgiveness through text messages for him to come back home and the kids crying and miss their dad but he wont reply, I wanted him back desperately. we were in a very good couple and yet he just ignores me and get on with his life just like that, so i was looking for help after reading a post of Dr Kachi on the internet when i saw a lady name SHARRON testified that Dr Kachi cast a Pure love spell to stop divorce. and i also met with other, it was about how he brought back her Ex lover in less than 24 hours at the end of her testimony she dropped his email, I contacted Dr Kachi via email and explained my problem to Dr Kachi and he told me what went wrong with my husband and how it happen, that he will restored my marriage back, and to my greatest surprise my Ex husband came back to me, and he apologized for his mistake, and for the pain he caused me and my children. Then from that day our marriage is now stronger than how it was before, Dr Kachi you're a real spell caster, you can also get your Ex back and live with him happily: Contact Email drkachispellcast@gmail.com his Text Number and Call: +1 (209) 893-8075 Visit his Website: https://drkachispellcast.wixsite.com/my-site
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Isabelle Jensen   28 Jan 2023 4:24am
Cyber Retrieve deals in recovering stolen bitcoin accounts and also shows you ways to secure it. I was and am still lucky to hire them to help me in my situation. I had hit rock bottom and it was affecting my mental health terribly. Thanks to them my situation has changed and my life is back to normal. There are still trustworthy agents and Cyber Retrieve is sincerely one of them. EMAIL:Cyberetrieve (@) mail.com WHATSAPP ONLY+1(716} 545-4535
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Florence Gilbert   27 Jan 2023 1:03pm
I got separated from my husband 3 months ago. There was no communication between us. I was advised by families and friends to let go, forget the marriage and move on with my life. I didn't want to marry someone else because deep down, I still love my husband. I was in so much pain and was so confused, until I read a testimony online on how Dr ONIHA reunited a broken marriage with the help of his love spell powers. I kept reading so many testimonies on how he helped to stop divorce and bring back peoples ex-lover's to them, and my faith was renewed. I had to contact Dr ONIHA immediately, few minutes later, he replied and instructed me on what to do, after meeting up with the necessary requirements, 2 days later after he cast the spell, communication was restored between me and my husband. He actually knees pleading to me to forget and forgive him. My relationship is now balanced and my husband is so obsessed with me more than ever. His spells worked wonders and our relationship is now stronger than before, and nothing can separate us again. I visited so many websites seeking help, it looked hopeless, until I came in contact with Dr ONIHA the real man, who helped me to restore my broken marriage. If you're having a similar problem in your marriage, you want your husband or wife to love you again, you have someone you love and you want him or her to love you in return, you are having any challenges in your relationship. ONIHA SPELL TEMPLE is the solution and answer to your problem, contact him today via Email his contact information. Email:onihaspelltemple@gmail.com Call/WhatsApp:+16692213962 website:http://onihaspells.com
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Florence Gilbert   27 Jan 2023 1:03pm
I got separated from my husband 3 months ago. There was no communication between us. I was advised by families and friends to let go, forget the marriage and move on with my life. I didn't want to marry someone else because deep down, I still love my husband. I was in so much pain and was so confused, until I read a testimony online on how Dr ONIHA reunited a broken marriage with the help of his love spell powers. I kept reading so many testimonies on how he helped to stop divorce and bring back peoples ex-lover's to them, and my faith was renewed. I had to contact Dr ONIHA immediately, few minutes later, he replied and instructed me on what to do, after meeting up with the necessary requirements, 2 days later after he cast the spell, communication was restored between me and my husband. He actually knees pleading to me to forget and forgive him. My relationship is now balanced and my husband is so obsessed with me more than ever. His spells worked wonders and our relationship is now stronger than before, and nothing can separate us again. I visited so many websites seeking help, it looked hopeless, until I came in contact with Dr ONIHA the real man, who helped me to restore my broken marriage. If you're having a similar problem in your marriage, you want your husband or wife to love you again, you have someone you love and you want him or her to love you in return, you are having any challenges in your relationship. ONIHA SPELL TEMPLE is the solution and answer to your problem, contact him today via Email his contact information. Email:onihaspelltemple@gmail.com Call/WhatsApp:+16692213962 website:http://onihaspells.com
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Olivia Lucas   27 Jan 2023 10:21am
Hi Everyone Join me as I share the wonderful work of Dr Kachi to say thank you for always making people smile with Lottery Winning Number Dr Kachi, who help me win a lot of money few weeks ago on lottery spell, I love playing lottery but I have never won, and i always have believe that I will win a huge amount in lottery game someday, I search online how to win a lottery and faithfully i came across Dr Kachi website: https://drkachispellcast.wixsite.com/my-site when someone was testifying how Dr Kachi helped him to win a lottery Mega Millions, i contacted Dr Kachi and told him I need the lottery winning number to win my game. he gave me lucky winning numbers and tell me to go play my game Dr Kachi also instructed me on how to go about it, after played my Mega millions lottery ticket on Friday and to my greatest surprise my name came out as a winner, i won $60,000,000.00, Mega Millions i have never seen such money all my life, but with the help of Dr Kachi now i have that much. If you need lotto winning number do not give up contact him or you want money solution and become RICH just visit Dr Kachi: Email: drkachispellcast@gmail.com Call Number And Text: +1 (209) 893-8075
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Richard Krieger   5 Dec 2022 1:29am
Been over 6 months since my awful encounter with online fraudsters, I lost my inheritance to them , after our grandpa passed on , the estates were sold and I received my own share of the sales and then decided to invest it in the stock market as I was told it’s the best investment other than real estate one can engage in .. Mr Douglas who was supposed to be managing my account turned out to be scam all long , my trade was reading and profit margins was looking good though it tends to fluctuate from time to time due to the market not being stable “ that i understood “ but the part where I couldn’t make withdrawals is what got me worried and realising that I’ve been scammed was the most shameful thing I’ve witnessed in a long while .. as time goes by , a month after the awful incident , a private investigator I hired back then called me back regarding the case , I took the call and it was good news “ that he had found a great hacker who would help trace back the funds to the scammers , was worried how that could be possible but seeing the other client of the investigator who just finished working with the hacker to recover her money as well and the awesome result , I didn’t think twice and took up the offer , 4 days into the recovery process the funds were traced and recovered back from the scammers and the website blown off so others won’t fall victim . Best way reaching the team is either through email or Telegram . Email : KNIGHTHOODBOT@gmail.com Telegram user ID : Knighthoodbot9
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Daisey Hatley   1 Dec 2022 6:47pm
I got caught up alongside my cousin in an investment scam that toned to a total of £527,000 if put together , my cousin was who brought up the idea of investing in crypto as it seemed to be very profitable now , the first few investment was really profitable just like we thought of and that made us invest even more but when we realized it was a scam website it was already too late for us to back off but since we couldn’t back off on time we also decided not to give up on getting our funds back , this was our lifetime savings we’re talking about here and without any further delay we made contact with a recovery agent ‘VIRTUALHACKNET@ gmail. com ‘ this team right here was our life savior at that point , we were able to recover our funds all back as it was still a Fresh case as he said and it was going to be an easy one to trace . The best part of it all is him keeping to his words of recovering the funds .. it was really a pleasure working with such honest personality , you’d need to be willing to help yourself for the help you need to come through .
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ARSHDEEP STAPLES   21 Sep 2021 4:13pm
Hello everyone, This is FOR everyone seeking  RECOVERY OF STOLEN CRYPTO COINS, RECOVERY OF ANY LOST FUNDS TO ONLINE SCAMS , RECOVERY OF CRYPTOCURRENCY LOST  TO REAPERS IN FOREX TRADES AND BINARY OPTIONS This is for persons seeking to recover all of their lost funds to online scams ,  ,  con tact address--> QUADHACKED@GMAIL .  COM for successful recovery and thank me later. I had my blockchain wallet spoofed by merciless s cams, due to lack of 2FA authorization, they were able to get away with 4.0147BTC from my wallet , this made me very sad and depressed as i was desperately in need of help , i made my research online and came across a very credible and reliable recovery agent on the internet  with the adr. QUADHACKED@GMAIL . COM .  The hack agency helped  me recover all I lost and also revealed the identity of the perpetrators , that's why I'm most  appreciative and also sharing contact addr. For anyone in a similar situation seeking to recover funds lost to online scams , contact the recovery specialist with the address above . 
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