يحاول ذهب - حر
The recent deposit shortfall is a wake-up call for banks in India
December 31, 2024
|Mint New Delhi
They should treat depositors as business partners if they are to garner enough deposits for lending
Since 1998, there have been at least six occasions when deposit growth trailed credit growth. So, the recent brouhaha over a deposit crunch was surprising, considering it was the sixth, extending from April 2022 to October 2024. As surprising is the relative comfort due to better alignment between credit and deposit growth. In the previous five instances, the deposit-credit growth alignment was a result of both a rise in deposit growth and a fall in credit growth. The current alignment is due to a fall in credit growth and no improvement in deposit growth. This is worrisome. It may be a harbinger of more structural changes in the saving behaviour of households. If the banking system aspires to go back to the 14-16% deposit growth rate before 2016, it may have to treat depositors differently.
هذه القصة من طبعة December 31, 2024 من Mint New Delhi.
اشترك في Magzter GOLD للوصول إلى آلاف القصص المتميزة المنسقة، وأكثر من 9000 مجلة وصحيفة.
هل أنت مشترك بالفعل؟ تسجيل الدخول
المزيد من القصص من Mint New Delhi
Mint New Delhi
IN INDIA'S KNITWEAR CAPITAL, A SURVIVAL ACT
Hit by Trump's tariffs, textile manufacturers in Tiruppur are renegotiating deals while scouting for newer markets
7 mins
October 10, 2025
Mint New Delhi
INDUSIND BANK RATED INDIA INVOLVED BY SKOCH FOR EXCELLENCE IN MSME BANKING
Once upon a spreadsheet, India's MSMEs were drowning in paperwork, late payments and queues that snaked through branch corridors like endless fiscal serpents.
2 mins
October 10, 2025
Mint New Delhi
Lodha faces execution test as H2 turns crucial for sales goal
The first half of fiscal year 2026 (FY26) was modest for realty firm Lodha Developers Ltd, with pre-sales or bookings up 8% year-on-year (yo-y) to ₹9,020 crore.
1 mins
October 10, 2025
Mint New Delhi
Inflation likely fell to 1.5% in Sep
India's retail inflation is likely to have cooled to 1.5% in September from 2.1% in August, mainly due to the statistical effect of a favourable base and easing food prices, according to 19 economists polled by Mint.
1 mins
October 10, 2025
Mint New Delhi
Capital goods shine selectively
The S&P BSE Capital Goods index gained 21% in the previous six months on the back of some key developments.
2 mins
October 10, 2025
Mint New Delhi
Sebi's Ananth Narayan steps down
Ananth Narayan G., the Securities and Exchange Board of India (Sebi) official who led the high-profile investigation of alleged market manipulation by US high-frequency trading firm Jane Street, stepped down on Thursday at the end of his three-year term.
1 min
October 10, 2025
Mint New Delhi
Andreessen Horowitz to open office in Bengaluru
Andreessen Horowitz, one of the world's biggest venture capital funds, is setting up an office in Bengaluru, multiple people familiar with the development said.
2 mins
October 10, 2025
Mint New Delhi
DoT says spectrum price fine, next auction hinges on demand
No telecom service provider (TSP) has approached the government with concerns over the high reserve prices for spectrum, Neeraj Mittal, telecom secretary, said on Thursday.
2 mins
October 10, 2025
Mint New Delhi
Silver ETFs fired up by scarcity, festivals
Silver exchange traded funds or ETFs opened Thursday with a record 10-12% premium to spot prices, underscoring a scramble for the metal as festive buying, industrial use, and investor FOMO (fear of missing out) drove up demand against tight supplies.
2 mins
October 10, 2025
Mint New Delhi
AI BROKE THE INFO BOTTLENECK, BUT VALUE INVESTING STILL DEPENDS ON INSIGHT
In a Bloomberg column, Guy Spier argues that AI has ended the golden age of value investing by removing the old information edge.
3 mins
October 10, 2025
Listen
Translate
Change font size