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1 month ago | 
rediff.com | Abhijit Lele |Anupreksha Jain
'Bank has enabling provision to raise capital up to Rs 7,500 crore over a longer period of time.'"Profitability would be sustained this year as we expect improvement in net interest income," Debadatta Chand, MD and CEO, Bank of Baroda, tells Abhijit Lele and Anupreksha Jain/Business Standard. Net profit for Q4 grew, albeit marginally, despite a fall in the net interest income, as the other income provided the support. What is your outlook on treasury income going forward?
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1 month ago | 
rediff.com | Anupreksha Jain |Abhijit Lele
Despite sharp interest rate cuts expected in this financial year amid easy liquidity conditions, state-run banks are treading cautiously on their loan growth projections for FY26. Most large banks are projecting loan growth at 11-13 per cent, almost similar to the previous financial year. Similarly, banks’ deposit growth is expected to be in the range of 9-11 per cent as mobilisation of retail deposits continues to be a challenge.
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1 month ago | 
rediff.com | Abhijit Lele |Subrata Panda
'Now we have one of the best asset qualities in the industry.'"I target loan growth which is reasonable but not very risky," Prashant Kumar, MD and CEO, Yes Bank, tells Abhijit Lele and Subrata Panda/Business Standard in Mumbai. How is the next phase of growth going to look like for Yes Bank now that five years have passed since it was reconstituted? If you see the bank's performance in the last six quarters, it is a consistent trend -- both in business growth and profit.
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1 month ago | 
business-standard.com | Abhijit Lele |Anupreksha Jain
Interest margins are expected to improve from the third quarter onward, says Debadatta Chand, managing director and CEO, Bank of Baroda, in a conversation with Abhijit Lele and Anupreksha Jain. Edited excerpts:Net profit for Q4 grew, albeit marginally, despite a fall in the net interest income, as the other income provided the support. What is your outlook on treasury income going forward?
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1 month ago | 
business-standard.com | Abhijit Lele |Subrata Panda
Prashant Kumar, managing director (MD) and chief executive officer (CEO), Yes Bank, discusses the Q4FY25 results and future strategy of the bank in an interview with Abhijit Lele and Subrata Panda in Mumbai. Edited excerpts:How is the next phase of growth going to look like for Yes Bank now that five years have passed since it was reconstituted? If you see the bank's performance in the last six quarters, it is a consistent trend - both in business growth and profit.
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2 months ago | 
rediff.com | Anupreksha Jain |Abhijit Lele
Global Rating agency Moody’s on Wednesday said it was reviewing IndusInd Bank’s risk management capabilities, and its leadership transition, with the private sector lender grappling with accounting lapses pertaining to its derivatives transactions. “The financial impact of the derivatives losses is quite manageable considering IndusInd Bank’s strong capital.
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2 months ago | 
rediff.com | Abhijit Lele
Securitisation – sale of loans to investors – by lenders, including banks and non-banking financial companies (NBFCs), crossed Rs 50,000 crore during the fourth quarter ended March 2025 (Q4F25). This is a tad higher than Rs 48,000 crore during the same period of FY24. However, sequentially, securitisation volumes declined substantially from about Rs 69,000 crore each in the second and third quarters of FY25, according to rating agency ICRA.
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2 months ago | 
rediff.com | Abhijit Lele
The pace of loan growth among public sector banks (PSBs) has seen a surge in the financial year 2024-25, and this is an exception to the overall moderation in bank credit during FY25. PSU banks’ share in incremental credit rose to 57.3 per cent in March from 51.7 per cent a year ago, according to the Reserve Bank of India’s (RBI’s) Monetary Policy Report (April 2025). In contrast, the share of private lenders declined to 39.1 per cent in March from 46.6 per cent in March 2024.
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Mar 17, 2025 | 
rediff.com | Abhijit Lele
The gap between credit and deposit growth in the banking system is expected to decline sharply to 80 basis points (bps) in the next financial year from an average of 386 bps over the FY22-Q3FY25 period, according to rating agency India Ratings. This would be against the backdrop of sharp moderation in the incremental loan deposit ratio (LDR) of the Indian banking system to 85 per cent in February 2025 from 117-118 per cent in the same month of 2024.
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Mar 1, 2025 | 
rediff.com | Abhijit Lele
The gold loan portfolio of banks continued to show strong off-take with 76 per cent year-on-year (Y-o-Y) growth in January 2025 amid moderation in retail credit — especially in the unsecured credit segment — following increase in risk weights in November 2023. The gold loan pool had grown 17.4 per cent Y-o-Y in January 2024. The Reserve Bank of India (RBI) data showed that “loans against gold jewellery” under the retail segment stood at Rs 1.78 trillion in the fortnight ended January 24, 2024.
