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91 ArticlesBanks

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Chart: Net Interest Margins at Banks Fall in Q1 2015

We’ve seen bank results out there and we have a quick chart for you of the margins that banks have made in the last quarter. As an average, NIMs have fallen ...

Quick Note: Bank Credit Growth at Lowest in 4 years

A little worrying on the data front is the slow down in Bank credit. Here’s a quick look at how it’s panned out: This is the lowest since Jan 2010. It’s ...

Private Banks Hike Rates, Public Sector Banks Drop Rates Since 2012

The RBI released some interesting data today about interest rates on a bank sector wise basis. While we focus on the repo rate, what really matters is the ...

RBI Pushes Banks To Trade Bond Futures?

RBI pressures banks to trade bond futures (NDTV). Eager for a successful launch, RBI officials are making frequent phone calls to lenders encouraging them to ...

Bank Credit Growth Falls to 14.3%, Lowest Since July

Scheduled Commercial Bank Credit is now at 56,650 crores, which is growing at a rate of 14.3% over the previous year. This is now closing in on the 1 year low ...

US Banks Can’t Prop-Trade, says the Approved Volcker Rule

The Volcker Rule is in. US Banks can no longer engage in proprietary trading. The rule was proposed by the 86-year old Paul Volcker who is famously credited ...

Corporate Loan Defaults Rising and It’s The Banks’ Fault

Outlook has a great article about corporate defaults. Accor­ding to the All-India Bank Employees’ Associa­tion (AIBEA), bad loans have gone up from Rs ...

Should NRIs invest in FCNR Deposits?

Asks Arun’: I am an NRI and i have been approached by a few banks about their respective products on FCNR deposits with forward cover. Some of them are ...

RBI Bans 0% EMI Loans, Says Customers Must Be Told Real Interest Rate

Now I look really ignorant, so I will first say, Sorry. And apologies to Economic Times. I had said in an earlier post that ET was probably inventing the story ...

Chart: Credit Growth Increases to 18%, Raising Rates Correct Option

Why are people cursing Rajan for raising rates? Credit growth is back to 18%+ as of September 6, and credit growth of that rate means one of two things: Banks ...