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: within them. They have to price it appropriately which will go a long way in addressing their future capital requirement issue. However, in all this, a serious challenge will be encountered on the human resources front.
These banks some three decades back could access good quality human resources from the talent hinterland. With the scenario having undergone a sweeping change in the last two decades, talent supplies to them have tapered off. They have now started seeing the ‘graying’ of their capability pool.
This is no longer sustainable and they need to tackle this. As a short-time palliative, they might consider drawing upon the services of the large number of retiring employees some of whom are eminently re-employable. This could be by way of offering them advisory or consultancy positions in the banks or funneling their services through a BPO. In the context of the limited maneuverability in this area this seems to be a viable short-time option....
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