Anthropia

6 major US banks have abandoned their climate agendas before Trump resumes office. Is it going to impact the other banks and corporations too? What are your thoughts on the future of ESG? #esg Anthropia https://lnkd.in/eGJiWZxt

6 major US banks have abandoned their climate agendas before Trump resumes office. Is it going to impact the other banks and corporations too? What are your thoughts on the future of ESG? #esg Anthropia https://lnkd.in/eGJiWZxt

The global GDP growth forecasts as per Goldman Sachs are here. The global economy is expected to continue growing at a moderate pace in 2025 considering the trade policies, inflation trends, and regional economic performances. #anthropia #gdp #2025

As I look back on Anthropia's journey in 2024, there were hits and there were misses. 2024 has been a year of navigating new terrains, both literally and figuratively. There were some proud wins and lessons learned from near misses. This year, we ventured into new markets with our expansion to the UK and solidified our commitment to transformative work. We explored newer lines of business opportunities, for example: ➡️A strategic partnership with a mid-sized Indian private company, supporting their ambitious business transformation journey. ➡️Masterclasses for product leaders of a prominent digital-first lending institution in India, where we explored pathways to innovation and growth. Each of these experiences reaffirmed Anthropia’s core belief that transformation isn’t just about strategy, it’s about enabling real change that resonates at all levels of an organisation. Some of the most meaningful moments of 2024 didn’t come from the wins but from the opportunities that stretched us to think differently. For example- ➡️Gender lens investing with a Global Impact Fund: While this collaboration didn’t materialise, it brought together two of my passions- banking and gender equality. This opened our eyes to a blue ocean opportunity we’re eager to explore in 2025. ➡️Reimagining growth with a Tier 2 Indian bank: An engagement to crystallise aspirations for non-incremental growth was cut short due to internal changes, but it highlighted a gap in the industry: the need for advisory partners who bring not just insights but operational credibility to the table. As we step into 2025, we carry forward these insights with a renewed sense of purpose. Anthropia will continue to focus on strategy and management consulting for BFSI clients and enabling mid-sized, privately held businesses to steer their next big leap- whether through transformation, strategic acquisitions or IPOs. To everyone who has been part of Anthropia’s journey, thank you for your trust, conversations, and shared aspirations. If the year ahead holds bold ambitions for you or your organisation, I’d love to hear your thoughts. Here’s to a 2025 filled with impact, growth and meaningful collaborations! Best wishes. Anthropia #reflections

The number of bank frauds witnessed a significant on-year increase in the first half of the current fiscal to 18,461 cases and the amount involved jumped more than eight-fold to Rs 21,367 crore, according to RBI data released on Thursday. The Reserve Bank of India has released the Report on Trend and Progress of Banking frauds rise 8 times in H1 2024 The Rbi has reported that 18,461 number of frauds were reported during April-September 2024 that involved Rs 21,367 crore. This is 8 times higher when compared to 14,480 cases involving Rs 2,623 crore in the comparative period of the FY23. The frauds present multiple challenges for the financial system worldwide from reputational risk, operational risk, business risk and erosion of customer confidence with financial stability implications. Are we taking enough steps to minimise frauds and scams? Or the fraudsters are becoming smarter? What's your take on this? #frauds #scams #anthropia

This could be the beginning of a new ripple effect in the automotive industry. The threat from EVs is real and the incumbents are bracing up to fight. What are your views on the rise of EVs and alternative fuel cars & automobiles? Do you drive one? #nissan #Tesla #honda

What's the brouhaha really? Is it the amount or the name of the conglomerate? I am noticing #RIL loan news trending on X. Let's break down the noise. Below numbers are as per last FY24: Total Revenue $119.9 B PAT $9.5 B EBITDA $21.4 B Total Assets $217.7 B Total Liabilities $103.2 B Gross Debt $40.3 B Cash & cash equivalents $24.3 B Net debt $17.2 B Market cap (as on 05 Dec 2024) $204 B Key ratios: Total Debt to Equity 0.409  Debt to Revenue 0.33 Debt to Market Cap 0.19 Net debt to EBITDA 0.87 When you put the above numbers and ratios into perspective, you observe: 1. Low debt level compared to its market value and revenue 2. Significant room to take on additional debt if needed, for expansion or investments/acquisitions 3. Debt to equity ratio of 0.409(less than half) indicates an efficient capital structure, ie optimising the use of debt while maintaining a strong equity position. These debt levels appear to be well-managed and sustainable when compared to its market cap and revenue. In fact, RIL's 5 year debt-equity ratio has been 0.423, so a 0.4 is definitely an improvement and indicates an improving financial position. The media needs to channel its sensationalism where it's required. Not just for every news. Now, where it becomes interesting is like the case of OYO, which is talking to a bank for refinancing its existing debt of $450M with an additional borrowing of $375M. OYO had a down round that was led by Ritesh Agarwal's own firm and they just turned profitable in FY24. On those thin margins, they are raising further debt to expand in a new geography through acquisition. Well, that's a topic for another day :) #relianceindustry #debt

Our Year End Report Card on the Movers and Shakers of Banking Industry are here. We start with the uber topic of last year and this year: Generative AI. 2024: The Year Generative AI Reshaped Banking Customer Experiences As we approach 2025, it's evident that 2024 was a transformative year for banking, with generative AI taking center stage. What started as a tool for content generation evolved into a core enabler of customer-centric banking. From conversational AI to hyper-personalized financial solutions, the industry has redefined customer engagement. Here's Anthropia's perspective on what unfolded and how leaders should prepare for the future. What Generative AI Delivered in 2024? 1. Hyper-Personalisation at Scale: Banks leveraged Gen AI to offer tailored recommendations for savings, investments, and loans. By analysing customer data in real time, banks provided financial advice that was not only personalised but proactive. Examples: ➡️ Scenario-Based Advice: Customers received instant, AI-generated forecasts about how market shifts might impact their portfolios. ➡️ Dynamic Product Offers: Loan terms adjusted dynamically based on customers' profiles and behavior patterns. 2. Redefining Customer Support with Conversational AI Chatbots and virtual assistants moved from simple Q&A functionality to complex problem-solving. The customers experienced- ➡️ Human-Like Interactions: AI tools capable of empathetic and context-aware conversations. ➡️ End-to-End Resolutions: From account opening to fraud reporting, AI assistants handled entire workflows seamlessly. 3. Enhanced Fraud Detection and Risk Management Gen AI analysed patterns across billions of transactions to flag anomalies. The result? ➡️ Real-Time Alerts: Customers were informed of suspicious activity faster than ever. ➡️ Proactive Prevention: AI recommended security best practices to high-risk accounts. 4. Content Generation for Marketing and Education Gen AI empowered banks to craft highly engaging and personalised marketing campaigns, as well as financial literacy content tailored to different demographics. What is your experience with use of Gen AI in 2024? Apart from personal use, did you see it in action in your work place? Share your experience with us. #2024 #ReportCards #anthropia Image created using DALL-E

Are we running out of ideas for products or are we craving some nostalgia to have a fuzzy feel good time during the gifting season. It seems retro tech products are making a come back. Think of the old style phones, heavy desktop computers, television sets, but with some modern tech. Would you want your devices and appliances to be retro or smart? Let us know. #retro Anthropia #anthropia https://lnkd.in/gNF4qhhY

Meta has begun to roll out certain AI features on its Ray-Ban Meta AR glasses in France, Italy, and Spain. This means people in these countries can use Meta’s AI assistant, Meta AI, using their voice to get answers to general questions like -What are some good gift ideas for Christmas my kids aged 3 and 5? Meta AI supports French, Italian, and Spanish in addition to English as part of the update. This lets you go hands free and you have AI in built in your sun glasses. How close do you want tech to be to you? More interestingly, are you going to buy Meta Ray Ban this Black Friday sale? Let us know your thoughts. @Anthropia #anthropia #AI