Try GOLD - Free
Banks stare at 10-20 bps dip in NIM, ROA as loan rates decline
The New Indian Express Kalaburagi
|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 New Indian Express Kalaburagi.
Subscribe to Magzter GOLD to access thousands of curated premium stories, and 10,000+ magazines and newspapers.
Already a subscriber? Sign In
MORE STORIES FROM The New Indian Express Kalaburagi
The New Indian Express Kalaburagi
‘Indians have to risk losing to be successful’
DURING his heydays in the 1980s, USA’s Freddie Spencer was at the pinnacle of Grand Prix motorcycle racing.
1 min
November 17, 2025
The New Indian Express Kalaburagi
SGPC mulls ban on lone woman for Pak jathas after pilgrim goes missing
FILE PHOTO
1 mins
November 17, 2025
The New Indian Express Kalaburagi
'The answer is us': Indigenous groups protest
HERE in Brazil, marchers revelled in their right to be heard, their voices rising in a city chosen precisely to focus the world's attention on the Amazon and its defenders.
2 mins
November 17, 2025
The New Indian Express Kalaburagi
KERALA RISES IN REFORMS BUT GROUND REALITY LAGS
K ERALA'S achievement in improving the investment climate is laudable, considering it was long seen as business-unfriendly.
1 mins
November 17, 2025
The New Indian Express Kalaburagi
FOR GAMBHIR AND CO, IT’S PITCH DARK AT HOME
EVEN before the presentation ceremony was over, the ground staff at the Eden Gardens, as if to carry out a meta joke, watered the square.
1 mins
November 17, 2025
The New Indian Express Kalaburagi
Bengal guv warns of legal action against TMC MP
WEST Bengal Governor C V Ananda Bose on Sunday threatened to take legal action against veteran Trinamool Congress (TMC) MP Kalyan Banerjee over his “invective” remarks leading to a confrontation.
1 mins
November 17, 2025
The New Indian Express Kalaburagi
'GST rate cut boosted Oct vehicle loans'
CHOOLAMANDALAM Investment and Finance Company president and CFO Arul Selvan said that the NBFC’s advances in two-wheelers and passenger cars segments went up in October after the GST rationalisation in September.
2 mins
November 17, 2025
The New Indian Express Kalaburagi
Delhi airport traffic in Apr-Oct falls 3.5% due to upgrade, airspace closure
GMR Airports Limited reported a 3.5% year-on-year decline in passenger traffic at its flagship Indira Gandhi International Airport (DEL) for the first seven months of the current fiscal due to year runway upgrade and airspace closure, according to a mandatory filing with the stock exchanges.
1 min
November 17, 2025
The New Indian Express Kalaburagi
WHAT TO MAKE OF BUFFETT'S 'THANK YOU' LETTER
MONEY MATTERS
2 mins
November 17, 2025
The New Indian Express Kalaburagi
'Our mission is to develop well-rounded leaders, not just skilled managers'
IIM Shillong Director-in-Charge Prof Nalini Prava Tripathy reflects on the institute’s approach to learning, outreach, and regional engagement
3 mins
November 17, 2025
Listen
Translate
Change font size