Online published on 29 October, 2013.
The present financial turmoil has shaken the confidence of both depositors and lenders all over the world. In fact lenders are more disturbed as all of a sudden they found that their most sophisticated instruments like derivatives that were yielding huge profit in the recent past now proving highly risky and almost leading them to bankruptcy. This fatal blow has shaken their confidence and despite induction of capital by the state and regulators to restore confidence and help them to come out from the turmoil almost unscathed; it is surprising to find them still groping in dark to come out of the tunnel which unfortunately self created by them out of sheer greed. An attempt has therefore been made in this paper to conceive a strategy that would help these institutions to come out of this grove and once again become vibrant and healthy institution to restore confidence of people and the market.