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Chart of the Day | Panicky banking

Are there no lending opportunities or are bankers scared of lending?

July 09, 2020 / 09:45 AM IST
Chart of the Day | Panicky banking

Banks parking their funds in government securities rather than lending to businesses or households is called lazy banking. The accompanying chart shows how bank credit growth has steadily declined, while bank investment in government and quasi-government securities that qualify for SLR (Statutory Liquidity Ratio) status has shot up. This is not so much lazy banking as scared banking. (image) There could be two interpretations: one, bankers are scared to lend and two, there are few borrowers because the economy is...

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