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Banks stare at 10-20 bps dip in NIM, ROA as loan rates decline
The Morning Standard
|May 02, 2025
THE falling interest rate regime has given banks a double-whammy in terms of net interest margin and return on assets, both of which are set to take a hit of 10-20 bps each this fiscal.
The interest rates on loans are likely to come down faster than those on deposits. Return on assets (RoA) of banks is set to fall 10-20 bps to 1.1-1.2% this fiscal from an over-two-decade peak of 1.3% in fiscals 2024 and 2025. Not just that, this will be driven by a similar contraction in their net interest margins (NIMs) to 2.8-2.9% this fiscal, Crisil Ratings said in a note.
This story is from the May 02, 2025 edition of The Morning Standard.
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