BUSINESS
High attrition may finally cool off for India’s banks
Attrition rate at private sector banks has eased to 29 percent in FY24 from 36 percent in FY23
BUSINESS
The red herring of bank deposits being diverted to mutual funds
RBI has slowed money creation dramatically which has crimped deposit growth.
BUSINESS
Early RBI warnings on top-up loans is fair, but LAP is the real worry
Small ticket loan against property is expected to grow 20-25 percent CAGR over next five years
BUSINESS
RBI study puts rate cuts at the mercy of food inflation
Yet again, the RBI’s rate actions depend on factors out of its control, such as the weather.
BUSINESS
A bumper business growth won’t bring margin relief for private life insurers
July saw business growth at high double digits for most private sector life insurers
BUSINESS
Indians share RBI’s worry on inflation but not its enthusiasm on growth
Households see higher inflation but not promising growth prospects.
BUSINESS
Can SBI get away with low deposit growth in FY25?
SBI has enough liquidity or excess SLR to fund its loan growth target for FY25
BUSINESS
Elevated stress of SBI Cards points to trouble in plastic paradise
Credit cards are a high-yielding but high risk business and standalone card issuers cannot hide troubles like banks can.
BUSINESS
Q1 shows FY25 could be the year of the banking underdogs
Stocks of mid-sized and smaller private sector banks have delivered outsized returns to investors since January.
BUSINESS
Bajaj Finance’s Q1 asset quality sours an otherwise optimistic growth outlook
Margin contraction and signals of increasing stress haven’t dampened the lender’s outlook
BUSINESS
ICICI Prulife must work past its Ulip-driven growth for profitability
Unit linked insurance products are selling like hot cakes, driven by a bullish market.
BUSINESS
With Budget behind, bond market’s fortunes now lie in the hands of foreign investors
A lower fiscal deficit target in the Union Budget 2024 should inspire any fence-sitting foreign investor to make a go for Indian bonds
BUSINESS
Can bond market make fiscal discipline look like a stimulus?
Fiscal prudence can lead to a sovereign rating upgrade and lower bond yields, says Economic Survey
BUSINESS
Union Budget 2024: Will this year be affordable housing’s big comeback?
Budget 2024-25: Affordable housing is on the cusp of sustained growth and all it needs is continued government push.
BUSINESS
HDFC Life’s Q1 new business margin shrinkage points to a growth challenge
HDFC Life’s new business margins contracted sharply and ULIPs driving business growth is not a good outlook for margins.
BUSINESS
It pays to have a big banking partner for life insurers
Bank branches have been selling ULIPs like hot cakes, especially due to the current bullish equity market.
BUSINESS
For NBFCs, Q1 won’t be the toughest in a year of moderation
NBFCs would face multiple pressure points, from margins to asset quality this year
BUSINESS
Federal Bank’s deposit game must be strong for investors to stick with it
The private sector lender must make its branches sweat more for CASA deposits
BUSINESS
One ratio would determine how banks are rerated in FY25
Credit-to-deposit ratio is giving banks the biggest of headaches
BUSINESS
RBI's financial stability report shows India’s banks are resilient, but its markets are yet to be
High capital, profitability and low bad loans characterise banks’ resilience, but India’s capital markets are still vulnerable
BUSINESS
As RBI forces bigwig issuers to rein in credit cards, lenders turn wary of plastic
Growth in credit card issuance and spends have moderated, but Indians remain big spenders
BUSINESS
Is Ujjivan SFB’s hope of a universal bank licence enough to comfort investors?
Rise in stress has prompted the lender to reduce its expectations on growth this fiscal year
BUSINESS
Will bond yields in India be lower for longer?
Rate cuts on the horizon, a likely friendly budget and finally the expected money flow from foreign investors is keeping the bond party alive
BUSINESS
Small loans and the big question on consumption
The average ticket size of micro loans has increased by 12 percent in FY24 and more than 12 percent of borrowers have taken a loan from four or more lenders.
