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Indian Overseas Bank

BSE: 532388|NSE: IOB|ISIN: INE565A01014|SECTOR: Banks - Public Sector
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Deposits & Advances
Deposits are liability to banks, which need money to lend. It is the amount that any citizen (resident or no-resident) keep with the bank subject to some regulatory compliance. In turn, banks pay interest on deposits. It is considered the safest form of investment. Deposits are of two types current and savings deposits (CASA) as well as term deposits.

Advance is the amount that banks lend to individuals and companies. They charge interest on loans. Interest rates vary depending on the terms and conditions of such credit. Banks raise money to lend through different sources like deposits, money market and so on.

The difference between credit and deposits, is expressed as CD ratio in banking parlance. Neither an extreme lower nor higher CD ratio is good for banks. Generally, a high CD ratio means credit growth is higher than deposit growth. Alternatively, it also suggests, banks may be hiring more from debt market than deposits. A lower CD ratio means, deposit growth is higher than credit expansion.
Source : Dion Global Solutions Limited
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