Magzter GOLD ile Sınırsız Olun
Sadece 9.000'den fazla dergi, gazete ve Premium hikayeye sınırsız erişim elde edin
Denemek ALTIN - Özgür
The recent deposit shortfall is a wake-up call for banks in India
Mint Kolkata
|December 31, 2024
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.
Bu hikaye Mint Kolkata dergisinin December 31, 2024 baskısından alınmıştır.
Binlerce özenle seçilmiş premium hikayeye ve 9.000'den fazla dergi ve gazeteye erişmek için Magzter GOLD'a abone olun.
Zaten abone misiniz? Oturum aç
Mint Kolkata'den DAHA FAZLA HİKAYE
Mint Kolkata
With $2.2 bn fund, ChrysCap has appetite for riskier bets
MD Saurabh Chatterjee details shift in global LP base, renewed focus on manufacturing
3 mins
December 01, 2025
Mint Kolkata
Smart GDP growth casts shadow over December rate cut
The Reserve Bank of India’s (RBI's) Monetary Policy Committee (MPC) is widely expected to keep the policy rate unchanged on 5 December, even as a sizable minority of economists argues that the space created by softening inflation and moderating nominal growth warrants another rate cut.
1 min
December 01, 2025
Mint Kolkata
European stock markets dominate global rankings
In the ranks of the world’s 20 best-performing stock markets this year, every second index is European.
1 mins
December 01, 2025
Mint Kolkata
Data centers are a ‘gold rush’ for construction workers
Mond Chambliss used to run himself ragged with the small contracting business he owned in Columbus, Ohio: hanging drywall, chasing clients for payments and managing half a dozen employees.
4 mins
December 01, 2025
Mint Kolkata
Let chats stay easy
India’s Department of Telecommunications has directed messaging apps like WhatsApp to ensure that users aren't allowed to access these services without active SIM cards in their phones.
1 min
December 01, 2025
Mint Kolkata
As mid-cap alpha shrinks, should you consider passive strategies?
Advisers urge a balanced mix—add passives slowly and back strong, active managers, as mid-caps are still pricey
4 mins
December 01, 2025
Mint Kolkata
Let's be a bit more selective in using the word 'reforms'
Everybody should take a beat and think before uttering the word ‘reforms’ the next time. Glib usage, frequently in the wrong context, threatens to rob the word of its import.
3 mins
December 01, 2025
Mint Kolkata
India's regulated exports at risk: BCG
India’s export-driven businesses in sectors such as aluminium, iron and steel that face international regulatory shocks are increasingly exposed to risk due to climate inaction threatening their profits, operations, and long-term viability, according to global consulting firm BCG.
1 min
December 01, 2025
Mint Kolkata
Gen Z redefines work in a volatile job market
Amid layoffs, Gen Z is pushing back against overwork, choosing clear boundaries, sustainable growth over old notions of indispensability
3 mins
December 01, 2025
Mint Kolkata
No, our election booth level officers aren't dying of stress
A dangerous thing the Indian news media does is attribute reasons for suicide.
4 mins
December 01, 2025
Listen
Translate
Change font size