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Financial Express Chandigarh
|June 26, 2025
Federal Bank is evolving into a tech-driven, customer-centric institution.
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In his first media interview since joining the private bank, Virat Diwanji, national head—consumer banking, tells Mahesh Nayak that the bank has a targeted approach to boost the CASA ratio to 36-38% and recalibrate its loan portfolio towards medium-yield segments like SME, loan against property, and gold loans. Excerpts:
Why is the banking sector adopting a stance of "cautious optimism"?
The banking sector navigates a delicate balance between positive economic indicators, such as robust GDP growth and digital gains, and underlying uncertainties, including macroeconomic risks, regulatory changes and cybersecurity threats, necessitating a prudent yet forward-looking approach. Banking demands constant vigilance; it's never a Cinderella story, but rather a stroll in Jurassic Park.
What is Federal Bank's strategy to grow its CASA base?
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