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      "author": "steemitboard",
      "permlink": "steemitboard-notify-ankeshjee1-20191023t185421000z",
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      "body": "Congratulations @ankeshjee1! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@ankeshjee1/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@ankeshjee1) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=ankeshjee1)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemfest-commemorative-badge-refactored\"><img src=\"https://steemitimages.com/64x128/https://files.steempeak.com/file/steempeak/arcange/YqQV5Tbj-image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemfest-commemorative-badge-refactored\">SteemFest⁴  commemorative badge refactored</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "[Source](https://tech.economictimes.indiatimes.com/news/internet/ey-india-is-taking-its-blockchain-based-loyalty-management-solution-to-global-clients/64757841)\n[Plagiarism](http://www.plagiarism.org/plagiarism-101/what-is-plagiarism/) is the copying & pasting of others work without giving credit to the original author or artist. Plagiarized posts are considered spam. \r\n\r\nSpam is discouraged by the community, and may result in action from the [cheetah bot](https://steemit.com/faq.html#What_is__cheetah).\r\n\r\n[More information and tips on sharing content.](https://steemcleaners.org/copy-paste-plagiarism/)\r\n\r\nIf you believe this comment is in error, please contact us in [#disputes on Discord](https://discord.gg/YR2Wy5A)",
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      "body": "[Source](https://economictimes.indiatimes.com/markets/stocks/news/mukesh-ambanis-ril-gains-ahead-of-41st-agm/articleshow/64864738.cms)\nCopying/Pasting full or partial texts without adding anything original is frowned upon by the community. Repeated copy/paste posts could be considered spam. Spam is discouraged by the community, and may result in action from the [cheetah bot](https://steemit.com/faq.html#What_is__cheetah).\r\n\r\n[More information and tips on sharing content.](https://steemcleaners.org/copy-paste-plagiarism/)\r\n\r\nIf you believe this comment is in error, please contact us in [#disputes on Discord](https://discord.gg/YR2Wy5A)\r\n",
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      "body": "RBI’s latest financial stability report tries to sound optimistic. It says credit picked up in 2017-18 despite sluggish deposit growth. But it sees banks’ gross non-performing advances (GNPA) ratio worsening from 11.6% in March 2018 to 12.2% in March 2019. A Credit Suisse (CS) report says banks’ GNPAs climbed to Rs 10.09 trillion at end-March from Rs 8.82 trillion at end-December.\n\nLast year, RBI placed 11of 21 public sector banks (PSBs) on its prompt corrective action (PCA) list — in other words, under constant watch in the ICU. Over the last three years, GoI has injected Rs 1.4 trillion of capital into PSBs. The sickest banks have received nearly two-thirds, or Rs 810 billion — almost matching those 11 banks’ losses in the three years. GoI has budgeted Rs 650 billion of fresh capital infusion in 2018-19, but this will not suffice.\n\nThe PCA banks’ pallor is turning greyer. RBI says their GNPA ratio may worsen from 21% at end-March to 22.3% by March next year. Nine of them will see severe capital shortfalls. At the same time, PCA banks’ loan books are shrinking.\n\nTwo of the 21PSBs reported modest profits in fiscal 2017-18. But losses at the other 19 widened to Rs 873.5 billion. IDBI Bank, which has GNPAs of 28% and is pityingly called the ‘Industrial Dust Bin of India’, will now be controlled 51% by the Life Insurance Corporation (LIC). This could be a temporary vitamin boost, because there are reports that GoI plans to merge IDBI with three other ailing PSBs.\n\nMost of our PSBs continue to be bloated, inefficient and mismanaged. CS analysis shows that operating expenses, which include salaries and pensions, now exceed 90% of PSBs’ net interest income, which means the banks have almost no headroom to resume lending.\n\nDetox for the Banks\nBanks’ total stressed loans, which stood at Rs 12.47 trillion at end-March, or 14.3% of their total loans, were down slightly from Rs 13.29 trillion, or 15.8%, at end-December.\n\nTo put the NPA problem in perspective, our banks’ stressed assets now stand at 9.6% of our GDP, or about half of Budget 2018. Looked at another way, our banks’ stressed assets equal 46 times the Budget of the ministry of health and family welfare, and 28 times our education Budget.\n\nGoI is struggling to break the logjam. The bankers’ committee it set up has ruled out a ‘bad bank’ that would take over all toxic assets. Instead, it recommended a combination of a bank-led asset management company, alternate investment funds, and a platform to auction bad assets. It set a90-day limit for resolution of bad loans to small and medium enterprises (SMEs). And it proposed inter-creditor agreements to speed up resolution under the Insolvency and Bankruptcy Code (IBC), which came into force in December 2016.\n\nThe urgency is growing because the IBC pipeline is already dangerously clogged. CS noted that as of March, the National Company Law Tribunals (NCLTs) were hearing about 700 cases, of which only 37% had been referred by financial creditors, and another 2,200 cases were waiting to be admitted. Only 180 cases had been closed, and a tiny 13% of those had been resolved. Nearly half ended in liquidation, and more than 40% have been disputed.\n\nThere just aren’t enough resources to tackle the mountain of bad debt and bankrupt companies. Ten NCLTs were set up two years ago. An 11th in Jaipur has just been announced. There is also a ‘principal’ bench in New Delhi, and an Appellate Tribunal (NCLAT). Disputed cases go to the Supreme Court. I counted a total of 2,667 ‘insolvency professionals’ who have to be certified by the Insolvency and Bankruptcy Board of India, the regulatory body. You need to possess just a BCom degree to be an insolvency professional, which is like asking a paramedic to perform brain surgery.\n\nOne of the seven NCLT judges in Delhi told me each of the four benches in the capital was hearing an average of 20 cases a day, and the workload was impossible. NCLTs also handle non-bankruptcy cases like mergers, and disputes between directors and shareholders. There is a 14-day deadline for admission of IBC cases, but it is observed more in the breach. Resolutions have a 180-day deadline, extendable by 90 days. But only two of the original 12 ‘dirty dozen’ big IBC cases referred by RBI have so far been resolved.\n\nExpensive Haircut\nThe good news is that in 12 insolvency cases resolved in the January-March quarter, creditors recovered about 70% of the debt. The average time for resolution was 267 days. CS says NPA levels have probably peaked and should start declining as the IBC process continues. CS estimates an average 45% haircut, or loss, for creditors on the RBI-referred 12 cases. But the central bank has named 28 more large NPA cases, and the NCLTs have admitted only 14.\n\nWith RBI tightening the NPA screws in February, CS expects another 70 big cases to be referred to the NCLTs in the July-September quarter, including 40 comatose power projects. The worst is yet to come",
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      "title": "Mukesh Ambani’s RIL gains ahead of 41st AGM",
      "body": "![ambani.jpg](https://cdn.steemitimages.com/DQmW9gvE5UqKkPRmT4JFX1hLNPtT9JzABRJexcCYpkeg43c/ambani.jpg)\nMukesh Ambani-led Reliance Industries ruled higher today ahead of the 41st Annual General Meeting (AGM) of shareholders of the company.\nThe AGM will kick off around 11 am at Birla Matushri Sabhagar in Mumbai.\nThe scrip was up 1 per cent at Rs 999.75 at around 9.45 am. The BSE Sensex went up 11 points at 35,656 at around the same time.\n\nChairman and Managing Director Mukesh Ambani is expected to announce the commercial launch of JioFiber FTTH broadband services. India’s richest man may also talk about the company's recent acquisitions, e-commerce plans, Reliance Jio's rising market share, potential in the digital content and also the core oil and gas business.\nAnalysts noted that Fibre to the Home (FTTH) services have been in the Beta phase for some time now. The launch may not be pan-India, but in select relevant markets, they said.\n![ril-bccl.jpg](https://cdn.steemitimages.com/DQmSXxE8ZvoJEn9yfzUtjLgNDcMv7AK4isTNV32jqSbWYan/ril-bccl.jpg)\n\nThe company estimates the potential FTTH market size at 90 million home subscribers, Motilal Oswal Securities said in a recent note. The management plans to shift capex focus towards fibre, which will be used to expand both FTTH as well as enterprise data offerings in the market, it noted.\nThe continuation of the growth trend in Reliance Retail and clear e-commerce plans would drive a re-rating in shares of Reliance Industries, said Hong Kong-headquartered firm CLSA.\n\nReliance Retail revenues’ more than doubled in FY18 with core retail revenues growing 37 per cent year-on-year in FY18. It reported 134 per cent growth in revenue in the fourth quarter of 2017-18.\nCLSA, which has a ‘buy’ rating on Reliance Industries with a target price of Rs 1,230, said a clear e-commerce strategy, perhaps in the upcoming annual general meeting -- which may include leveraging Jio’s customer base -- could drive a strong re-rating even beyond offline peer valuations.",
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      "body": "Hi! I am a robot. I just upvoted you! I found similar content that readers might be interested in:\nhttps://www.reuters.com/article/us-usa-economy-gdp/u-s-first-quarter-gdp-growth-revised-down-to-2-percent-idUSKBN1JO1QQ",
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      "body": "![us-jobs-bccl.jpg](https://cdn.steemitimages.com/DQmQZHG6E3bMJDQGeJ5V11QrwAsrbxd2YKbuS6WXTnbP2dG/us-jobs-bccl.jpg)\nNEW YORK: The US economy slowed more than previously estimated in the first quarter amid the weakest consumer spending in nearly five years, but growth appears to have since regained momentum on the back of a robust labor market and tax cuts.\n\nGross domestic product increased at a 2 per cent annual rate in the January-March period, the US Commerce Department said on Thursday in its third estimate of first-quarter GDP, instead of the 2.2 per cent pace it reported last month.\nThe economy grew at a 2.9 per cent rate in the fourth quarter. The downgrade to first-quarter growth reflected weaker consumer spending and a smaller inventory accumulation than the government had estimated last month.\n $1.5 trillion income tax cut package, which came into effect in January, is seen spurring faster economic growth in the second quarter, putting annual GDP growth on track to achieve the Trump administration’s 3 per cent target.\nEconomists, however, caution that the administration’s “America First” policies, which have heightened fears of trade wars, are casting a pall over the economy’s prospects.\n\nThe United States is engaged in tit-for-tat trade tariffs with its major trade partners, including China, Canada, Mexico and the European Union. Analysts fear the tariffs could disrupt supply chains, undercut business investment and potentially wipe out the fiscal stimulus.\nGrowth estimates for the second quarter are as high as a 5.3 per cent rate.",
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      "body": "@@ -1,8 +1,9 @@\n+@\n salvote,\n",
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      "body": "salvote, I gave you an upvote on your post! Please give me a follow and I will give you a follow in return and possible future votes!",
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      "body": "@tkbudd, I gave you an upvote on your post! Please give me a follow and I will give you a follow in return and possible future votes!",
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      "permlink": "re-cushcoast-a-lifetime-of-content-gets-reimbursed-20180705t031850290z",
      "title": "",
      "body": ", I gave you an upvote on your post! Please give me a follow and I will give you a follow in return and possible future votes!",
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      "title": "",
      "body": "Welcome  welcome and again welcome in advance",
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      "body": "Ok , I am follow you . And you follow me.",
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      "author": "ankeshjee1",
      "permlink": "re-steemitboard-steemitboard-notify-ankeshjee1-20180704t191715012z",
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      "body": "Thanks",
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      "body": "✅  @ankeshjee1, I gave you an upvote on your post! **Please give me a follow** and I will give you a follow in return and possible future votes!<br><br>Thank you in advance!",
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      "body": "![Screenshot_20180705-003123.png](https://cdn.steemitimages.com/DQmPR3P6B6gNknp14mKyXNz2U49sKMkVbbZU7NUWxvXpsSd/Screenshot_20180705-003123.png)\nElectronum is pump 25 % is one working days . Last 2 hours ETN is very good groth. \nThis coin is last 4 to 5 months  20× time down. Last 10 day ETN is down ico pric . ETN is most sussece ful ICO. ETN HIGHEST PRICE IS 0.22$ Cypotia exchange . All cropto market is  depand BITCOIN. I know BTC is mother of all currency . But BTC is down , Again down , so market is crass and ETN is down all time low price is las week .\n   I hope market is second boll run comming .market news is good . \nSo friend wish you ETN holder this bullish ETN market is relex. \nAnd hold it . I except ETN price is end of 2018 0.5$ and much profit ETN.\n\nThaks \nANKESH KUMAR",
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      "body": "Consultancy firm EY India has built a blockchain-based solution for loyalty management that it is now taking to its global clients.\nAccording to EY, the solution allows for interoperability of loyalty points among ecosystem partners, offers transparency and tracks near real time transactions.\n“There are loyalty solutions that already exist in the market. What blockchain does is there is a common shared ledger between the whole ecosystem. So, everybody has trust in the transactions that is put in (the ledger),” said Gaurav Handa, director, advisory services at EY India. Blockchain functions as an online record-keeping system that is maintained by a random group of peers rather than any central authority. While it is best known for underpinning the widely popular bitcoin and other cryptocurrencies, many believe that the burgeoning tech will change the way how transactions are handled.![blockchain.jpg](https://cdn.steemitimages.com/DQmXJ3vPsHxeo7b6SX8nqK9x4qnEifzqC9N2yAFe4NWkJd5/blockchain.jpg)\nADVERTISEMENT\n\n                            PRIMED FOR DIGITAL\n“The solution will help resurrect loyalty in the digital age by providing a one stop shop offering for all its stakeholders in an increasingly competitive landscape,” said Ram Sarvepalli, EY India advisory services leader.\nIn the case of loyalty programmes, the incumbent solutions that exist are not easily interoperable and raise problems during reconciliation. For instance, say SBI offers loyalty points to its customers.\nADVERTISEMENT\n\nConverting these SBI points to say British Airways air miles or an Amazon gift card currently takes time, and in most cases, is not possible. “If blockchain sits as a layer on top of these existing systems, the conversion and interoperability become near real time,” Handa said.EY is working with an Indian startup to solve the ‘token economics’ (conversion) problem. The consultancy said that it has on-going POCs with a few clients, but refused to disclose names.\nEY said the solution addresses all contours of the loyalty management lifecycle from loyalty strategy and governance, to partner management and support.\nADVERTISEMENT\n\nPERFECT FIT\nThe solutions, EY said, can be customised for small businesses looking to introduce loyalty programmes or for large conglomerates looking to maintain existing loyalty programmes while creating interoperability.\nRecently, Singapore Airlines introduced KrisFlyer loyalty programme that allows frequent flyers to use their accumulated air miles.\nThe company built its own private blockchain involving merchants and partners to enable the programme. Other consultancy firms and Indian IT services companies too have developed private blockchain solutions.",
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      "body": "This is a paid press release, which contains forward looking statements, and should be treated as advertising or promotional material. Bitcoin.com does not endorse nor support this product/service. Bitcoin.com is not responsible for or liable for any content, accuracy or quality within the press release.\n\nFrom stories of 10,000 Bitcoin pizzas, to people buying Lambos with Bitcoin: have you wondered how crypto millionaires ever got so rich?\n\nIt’s because they bought in at low prices before everyone found out about it. Back in 2012, Bitcoin was worth only $10. At the time of writing this it was around $6100. That’s a 600x return on your money. If you only put in $1000, that would be worth over $600k today. A small initial sum could have made you millions in the long run. These cryptos are quite expensive now, and investors don’t expect 600x returns anymore on the major cryptos like Bitcoin and Ethereum.\n\nWithout a doubt, the hottest crypto right now is Ethereum. It was worth $10 last year, and is worth over $300 at the time of writing this, and still grows steadily. The biggest companies are building amazing applications on top of Ethereum, like JP Morgan and Microsoft. These tech giants have actually formed a blockchain alliance to support Ethereum. Their blockchain alliance is comprised of JP Morgan Chase, Intel, and Microsoft. IBM and Goldman Sachs are getting involved with cryptocurrency as well. There’s a huge market for applications being built on top of Ethereum.\n\nImagine all the apps for Ethereum, on top of a single platform: Welcome to Appian, the App Store for Ethereum.\n\nAppian is being developed into the App Store for Ethereum. Appian is taking advantage of this huge market by launching a product where developers can deploy their applications, and users can use their applications in exchange for APP tokens. These APP tokens are used as currency on the platform, and will grow in value along with the Ethereum apps’ popularity. Ethereum’s future looks promising, and applications on top of Ethereum are likely to expand.\n\nAppian is currently holding a crowdsale, which ends this week. To join, check it out here: https://appian.io\n\nAPP tokens are limited, and none will be created or distributed after this week ends.\n\nContact Email Address\[email protected]\nSupporting Link\nhttps://appian.io\n\nThis is a paid press release. Readers should do their own due diligence before taking any actions related to the promoted company or any of its affiliates or services. Bitcoin.com is not responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services mentioned in the press release.",
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