Columnists,Hilmy Cader

The rights of bank deposit holders?

Views - 291 Monday, 31 December 2018 01:45

When a business has disproportionate debt (vs. equity), they are labelled as ‘highly leveraged’ and viewed with a sense of caution. What about commercial banks? If you consider deposit holder funds as debt (which represents 80%-90% of a bank’s


Parliament Conduct: Root cause?

Views - 212 Monday, 26 November 2018 00:55

Every human action, barring insanity, has a reason behind it. Their reasons could be self-justified or driven by others. What we see in Parliament is only the manifestation.


Ghosn’s ‘magic’ uncovered!

Views - 180 Thursday, 22 November 2018 00:00

Another iconic global business leader has been exposed. Greed, both personal and corporate, it seems is the root cause. This mirrors the conduct of many political leaders around the world. Is it time to have much greater checks on CEOs, may be power-


Prosperity of a nation

Views - 178 Thursday, 8 November 2018 00:45

The prosperity of a nation depends on how fair the distribution of wealth is across the economic value chain comprising of consumers, employees, suppliers, shareholders and Government. As countries progress economically, there tends to be fairer dist


It’s time for ‘Governance Model Disruption’

Views - 191 Wednesday, 7 November 2018 01:35

nWhy do we need MPs to represent us in Parliament?  nCan’t we all directly/digitally express our choices on issues of national importance and a well-managed civil service effectively execute such decisions? nWhat if we do away with party politics


So Sri Lanka – So what?

Views - 800 Monday, 29 October 2018 00:12

Once again the island nation is all worked up over the latest tourism tag-line i.e. So Sri Lanka.  Two key points to note here: Our tourism strategy is far more important and need greater focus than the tag-line, which is a by-product of strategy. E


Can the Light Railway lift the heavy work load?

Views - 480 Tuesday, 11 September 2018 00:00

n Any country has access only to a finite amount of funding – mainly via taxes, exports and debt. nAny country (i.e. its people) would have many needs and wants – which it has to satisfy with this funding. It is here that a Government (represen


Preventive justice

Views - 226 Thursday, 28 June 2018 00:00

BE it the tampering of a cricket ball, clubbing a leopard to death or the daylight robbery of a jewelry shop – they must all be unconditionally condemned and the culprits punished. But equally important is to do some deep psyche research as to what


12 strategic questions for a bank CEO to reflect on

Views - 192 Wednesday, 20 June 2018 09:19

1. When was the last time you introduced a truly life-changing product? 2. Small businesses are the life blood of our economy – is it in your blood? 3. Is there wealth at the bottom of your pyramid? Thought of being the ‘wholesale’ banker to ta


Take a check on your Board Directors

Views - 325 Monday, 21 May 2018 00:00

The public entrusts the Government to collect taxes and invest them prudently to ensure quality of life. Similarly, the shareholders (minority ones in particular) entrust the Board of Directors to protect and grow their investments.


Ethnic conflicts – root cause?

Views - 287 Friday, 27 April 2018 09:40

The root cause of most ethnic conflicts is the lack of integration. We are all born innocent. Thereon our families, our schools and the wider society shapes our values, our thinking, that then drives our actions. Early on in life if we learn to appr


‘Fun and games’ can bring out the best in you, driving creativity and productivity

Views - 204 Friday, 9 March 2018 00:00

As your age scoreboard accelerates towards that elusive century and knowing very well that ‘Duckworth & Lewis’ can come into play any time


The country needs more Ironmen (and women)

Views - 456 Monday, 26 February 2018 00:00

Commendation to Yasas, Julian and the team for a world class event that will have far-reaching positives for Brand Sri Lanka.


Make politicians far less relevant!

Views - 115 Monday, 19 February 2018 00:00

Think about making politicians far less relevant, far less intrusive and confine them to their role as lawmakers. The democratic vote alone does not ensure widespread socioeconomic progress.


Learnings from election results

Views - 851 Monday, 12 February 2018 00:00

nIdentify your real reasons for success – is it the disgust with your competitor or did you deliver? (both in 2015 and 2018) nDon’t rely on your brand reputation to do the job – the voter needs to ‘touch and feel’ the real value delivered


Strategising cricket

Views - 171 Monday, 22 January 2018 00:00

Your supply chain mechanism is weak. Your new products are not matching the quality (and therefore the blockbuster performance) of the products being phased....


MTI’s reflections for the new year

Views - 167 Tuesday, 2 January 2018 00:00

Humanly, on an ongoing basis, we can only be awake about 16-17 hours a day. This has not changed much with time. But the choice of things we can do in a day, be it with food, entertainment, socialising, travelling, etc. (and the sub-choices within e


Why aren’t professional women showing up at work?

Views - 344 Monday, 27 November 2017 00:32


Think ‘Green’ for next budget

Views - 392 Wednesday, 4 October 2017 00:00

The planet cannot keep pace with our rate of consumption. Expecting humans to take voluntary action for greater good, will only have a minimal impact. The real ecological cost (that future generations will have to dearly pay for) is hardly factored i


Some CEOs run the business, some businesses run the CEO!

Views - 781 Wednesday, 30 August 2017 00:00

Much like in war, the capabilities of a CEO getting tested and strengthened depends on the intensity and diversity of the opponents and the encounters.


How productive is your management team ?

Views - 1458 Thursday, 17 August 2017 00:00

If you are working on a production line or plucking tea, apart from being the lowest paid in the organisation, your productivity is measured and analysed by the minute. Also, unlike in management, you cannot take credit for another person&rsqu


Falling in love with your strategies could be fatal

Views - 1892 Wednesday, 26 July 2017 00:00

Strategy is significantly influenced and shaped by the opportunities and challenges in the business environment. Therefore, strategising has to be a dynamic process, which means strategies must be open to change. When ego and emotions start to 


Relevance of brand valuation?

Views - 3328 Monday, 5 June 2017 00:00

    A business valuation is the total financial figure that reflects the price at which the entire entity will be sold. The business valuation is the sum of the constituent parts of a business. This includes


Cabinet needs to be ‘Ground-Zero’ re-structured, not reshuffled: MTI

Views - 4295 Tuesday, 9 May 2017 00:10

Even if the Government is unable to reduce the number of Ministers (which ideally it should), through an effective structural framework  it can achieve a much higher level of impact. With extensive international strategizing an


Sharing economy – a double-edged sword!

Views - 4446 Wednesday, 26 April 2017 00:00

The time we have to 'consume' in a day is largely the same as we did decades ago. But per capita acquisition (of all forms of goods and services) has significantly increased. This means a lot of idling assets in our homes and offices, from


‘Rich’ garbage that costs poor lives

Views - 5334 Monday, 17 April 2017 00:01

Garbage is a function of consumption and consumption is a function of affordability. Therefore, it is ironic that the garbage we generate in the richer parts of a city  is dumped where the poor live. Successive Governments a


FDIs into capital markets?

Views - 5442 Saturday, 25 March 2017 00:00

  Yesterday’s FT article on the CSE road show in Melbourne, appealing to expat Sri Lankans, triggered this. Emotional pleas and guilt appeals may be good enough to generate some charity or philanthropy (and do not confuse it w


Economic Progress Happiness of the wider population

Views - 5536 Wednesday, 8 March 2017 00:00

Countries like Singapore, Hong Kong and Dubai are often used as examples of countries that Sri Lanka should emulate. For sure, there are great learnings we can take from these countries. But should we not set our own balanced socio-economic goals


Ting, Ting!: Alarm bells for the economy, jingle bells for the banks!

Views - 6238 Friday, 24 February 2017 11:31

Even after discounting for political rhetoric (on all sides), economists are convinced that our economy is in a critical stage. This course is the culmination effect of how the economy has been managed over the last few decades. At the sa


What does a CEO do?

Views - 6426 Monday, 30 January 2017 00:00

With some exceptions, the business leadership culture of an organisation tends to mirror the political leadership of that country, be it good, bad or ugly. In a world where leadership is portrayed to be infallible, ‘sacred’ and full of


Today's Columnists

New Year resolution: Attaining financial freedom in 2019!

Thursday, 24 January 2019

It is that time of the year when everyone, young and old is journaling their new-year resolutions, and reflecting on the past year. You might be disappointed if you are carrying forward a few resolutions from the past years. You could be thinking, wh


10-year challenge: Has Sri Lanka made progress in last decade to become financially-literate?

Thursday, 24 January 2019

The ’10-Year Challenge,’ Facebook’s latest social media phenomenon has taken the internet by a storm. People are posting a picture from 10 years ago alongside their current profile picture or some other photograph and the transformation through


Catwalk beyond 400 PPM – Consuming towards disaster!

Thursday, 24 January 2019

Catwalks sizzle! What’s on the catwalk – the skin, the silk, lycra parading endlessly broadcast to the world whatever new and popular in clothing and accessories and it also communicates desirable dimensions too in a not-too-subtle manner. Knowi


Rolling back big government – The next big challenge

Thursday, 24 January 2019

Preliminary estimates in the 2019 Budget to be presented on 5 March this year include an income of 2.5 trillion and a debt service requirements of a whopping 2.2 trillion, leaving only a net income of 0.3 trillion. As for expenditure, the Government


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