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yes bank: Deposit growth improves at private banks in Q4, but at higher costs

While these lenders were able to increase deposits at a faster clip during the quarter, the growth was accompanied by higher interest outgo, thereby contracting net interest margins (NIMs) year-on-year. The sample includes HDFC Bank, ICICI Bank, Axis Bank, IndusInd Bank and Yes Bank. Kotak Mahindra Bank is expected to declare quarterly numbers on May 4.

Intelligence-group , Yes-bank , Private-banks , Net-interest-margins , Kotak-mahindra-bank , Interest-income , Indusind-bank , Icici-bank , Hdfc-bank , Growth , Deposit-growth

India banks: Banks may have to slowdown loan growth in FY25: S&P

S&P Global Ratings forecasts robust credit growth, profitability, and asset quality for Indian banks in FY25, yet warns of potential slowdown in loan growth due to tepid deposit growth. Loan-to-deposit ratios are deteriorating, urging banks to align loan growth with deposits to maintain profitability amid higher wholesale funding costs.

India , Nikita-anand , India-banks , Loan-growth , Credit-growth , Deposit-growth , Profitability , Asset-quality , S-ampp-global-ratings ,

How GST ensured fast credit growth to MSMEs

In January 2024, credit to the industry expanded by 7.8% y-o-y, down from the 8.7% growth recorded in January 2023.

India , Medium-enterprises-msmes , Finance-ministry , Medium-enterprises , Artificial-intelligence , Honorable-prime-minister , Msme , Credit-growth , Gst , Economic-growth , Gdp

Shrinking margins to keep private banks on the leash in Q4

While some banks are projected to gain from relaxation in RBI guidelines related to AIF exposure, the impact on aggregate performance is limited

India , Nirmal , Andhra-pradesh , Motilal-oswal , Axis-bank , Motilal-oswal-financial-services , Indusind-bank , Punjab-national-bank , Kotak-mahindra-bank , Mint-explainer , Nirmal-bang-institutional , Oswal-financial-services

Chart of the Day: How credit growth floated up through underpricing of risks in FY24

The difference between the weighted average lending rate of fresh loans to small businesses and the repo rate was 4.04 percentage points in April 2022 which narrowed to 3.20 percentage points in February 2024

India , Reserve-bank , Credit-growth , Isk-pricing , Ending-rates , Bi-repo-rate ,

Icra: Limited upside for Indian banks - Times of India

India Business News: MUMBAI: Ratings agency Icra has lowered the outlook for the banking sector from positive to stable citing limited upside, although the sector would co.

Mumbai , Maharashtra , India , Sachin-sachdeva , Business-news , Ratings-agency , Icra , Healthy , Credit-growth , Banking-sector ,

Banks post huge profits despite low credit growth

Credit growth throughout the banking sector in the first quarter remained low at 0.26 per cent, but many banks still reported significant profits.

Hanoi , Han-i , Vietnam , Republic-of , Ho-chi-minh-city , H-chíinh , Khanh-hien , Tran-ngoc-bau , Research-department , State-bank , Thi-khanh-hien , Ngoc-bau

Mint Explainer: Behind the worst bank deposit crunch in nearly 20 years

A high credit-deposit ratio, in the absence of funding sources other than deposits, could limit the ability of lenders to grow or impact profitability

India , Anil-gupta , Bhavik-hathi , Association-of-mutual-funds , Food-corporation-of-india , Housing-development-finance-corp , Icra-ltd , Reserve-bank , Food-corporation , Housing-development-finance , Subha-sri-narayanan , Crisil-ratings

Bank loans to industry and services grow, retail lags in February

Agricultural loans grew by 20.1%. Fresh loan rates at 9.36%. External Benchmark-based Lending Rate loans rose to 56.2%. Commercial real estate loans surged by 37.9%.

India , Reserve-bank , External-benchmark-based-lending-rate , Bank-loans , Credit-growth , Retail-loans , Industry-loans , Rbi-data ,

RBI scrutiny on lenders: India's regulatory scrutiny may raise lenders' capital costs, slow loan growth, says S&P Global

The Reserve Bank of India (RBI) is increasing regulatory scrutiny of lenders to improve governance and curb exuberant lending. The RBI has tightened its norms on unsecured loans and warned lenders against exuberance due to rising risks to the financial system. The increased focus on compliance and tight liquidity in the banking system may slow down credit growth to 14% in 2024-25 from 16% this financial year.

India , Geeta-chugh , Reuters , Fitch-ratings , Reserve-bank , Rbi-scrutiny-on-lenders , Rbi , Regulatory-scrutiny , Loan-growth , S-ampp-global , Credit-growth , Reserve-bank-of-india