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94 ArticlesBanks

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Just 5 Big Business Groups Can Bring The Banking System To Its Knees

RBI has a macro-stability report on its site and in there are some interesting gems. One of them is this juicy little factoid: That the top five borrowers can ...
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Charts: 6 Months Post Demonetization, Cash Levels Get To 80% Of What It Was Earlier. And Credit/Deposit Growth Falls Off A Cliff.

Just as we reach the six month anniversary of the Demonetization of the 500/1000 rupee notes, we get the status of cash in the economy. The chart has it: we ...
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RBI Forces Banks To Take NPA Hits and Yes Bank Sees NPAs Double. Things Do Not Look Good for Large Banks.

RBI has made an interesting notification, requiring banks to disclose if they didn’t provision for bad loans as much as RBI thought they should. The ...
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Early Q3: Small Banks Report Good Quarter Despite De-Monetization

The effect of demonetization on cash collections of small banks was expected to be bad. But the results show some resilience by smaller banks so far. The ...
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The Rate Cuts are Here! But Do They Apply To You? We Decode The Impact.

Finally, SBI has cut interest rates by a whopping 0.9% on it’s Marginal Cost of Lending Rate (MCLR) from Jan 1, 2017. SBI’s 1 Yr MCLR is at ...
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Chart: Bank Credit Growth at Lowest In 20 Years

As of November 11, Credit growth in India has fallen to the lowest level in over 20 years. And this is before the demonetization hit (which came on Nov 8, so ...
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Banks: MCLR Update – Aug 1, 2016

As a follow-up note on MCLR (Marginal Cost of funds based Lending Rate) and how it is changing the way banks lend in India, we are publishing the rates of ...
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Credit and Deposit Growth At Multi Decade Lows in India: The Economy in Charts

So inflation is falling, they say. It’s claiming one victim, for sure. And that is in growth in deposits and credit.  Credit growth – that is, ...
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Banks: MCLR Update – June 30, 2016

As a follow-up note on MCLR (Marginal Cost of funds based Lending Rate) and how it is changing the way banks lend in India, we are publishing the rates of ...
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Banks: Restructured Assets of 24 banks Down to 3.94% for Mar-16

Loan restructuring has been a wonderful tool to borrowers to accommodate their debt payments during an economic downturn or industry crisis. But this tool ...
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