Page 3 - Indian Banks

Sending money abroad: Choose platform that discloses exchange rates, fees

For the same amount remitted, compare how much the recipient will get across different service providers

Signs of slippage: Certain segments of borrowers require attention

Unsecured lending by scheduled commercial banks (SCBs) steadily grew over the past several years and touched 25.5 per cent of the credit extended in March 2023

PL Capital bets on domestic sectors, sees 6.5% Nifty growth in 12 months

PL Capital expects pharma, banks, defence, and staples to outperform in the near term as domestic demand revives

Bank NIMs may shrink by 30 bps in FY26 on loan repricing: Fitch Ratings

Fitch Ratings forecasts margin contraction in FY26 as 45% of bank loans reprice downward quickly; repo rate cuts and unchanged low-cost deposit share are key factors

RBI's liquidity steps to aid 100 bps rate cut transmission in 2025: Fitch

Credit rating agency Fitch Ratings says ₹5.6 trillion liquidity infusions and cash reserve ratio cut will support loan growth, though banks may see short-term pressure on margins

MSME lending a new driver of credit growth? Asset quality a key test

Credit growth to small and medium enterprises is outpacing all other sectors, but the test of asset quality lies ahead

Parliamentary panel on finance to meet today, review IBC, emerging issues

The central government is likely to bring an amendment in the Insolvency and Bankruptcy Code (IBC) in the upcoming monsoon session of Parliament

FinMin directs public sector banks to evaluate board performance

"Independent third-party board evaluations are a widely accepted global practice, and India has only recently begun adopting them," remarked S. Krishnan

Indian financial system resilient amid global uncertainty: RBI report

RBI Governor says financial stability is essential for growth, urges vigilance as global structural shifts make policymaking harder amid trade fragmentation, climate risks, and geopolitical tensions

Indian banks ready to lend, but tycoons show little appetite to borrow

Private sector expansion plans are at a three-year low, with bank exposure to key industries like roads, power and telecom down to 11% of their loan book, half the level seen a decade ago

Good show by banks as most register a rise in profit, but challenges ahead

Overall, public sector banks have put up a better show than private banks on most parameters

Banks in need of better security as payment frauds triple in value

According to the central bank's latest annual report, more than half of frauds took place in digital or card-based transactions, even though they accounted for only 1.4% of the $4 billion in scams

The great disconnect: More bank branches, and same old ATM count

ATM growth remains flat despite rising branch expansion as digital payment preferences and high ATM maintenance costs reshape banking strategy

Stress in personal loans to alter asset quality trajectory: CareEdge

CareEdge expects a marginal rise in credit costs and gross NPAs in FY26 due to stress in unsecured personal loans and microfinance, though provisioning remains robust

RBI reviewing bank ownership structure, says Governor Sanjay Malhotra

RBI Governor Sanjay Malhotra says the central bank is examining bank ownership structure and eligibility norms for licensing to meet the growing needs of an expanding economy

India may ease bank ownership rules as foreign interest, capital needs grow

Analysts say foreign banks are keen for deals in India, the world's fastest-growing major economy, especially as it angles for regional trade agreements

Banks set to miss fourth deadline to roll out cassette-swap system for ATMs

Banks, cash handling firms, and managed service providers are yet to work out the absorption of costs involved in the trade as well as the logistics of switching to the new system

Inflows in NRI deposits increases nearly 10% in FY25, shows RBI data

NRI deposits in Indian banks grew 9.9% in FY25 with FCNR(B), NRE and NRO deposits all rising; total outstanding touched $164.7 billion by March-end, RBI data showed

Banks seek overnight liquidity ops, easier reserve norms from RBI

RBI's main cash management tool has been the 14-day variable repo since a change in 2020 that was intended to lower banks' reliance on the RBI and push them to better predict their liquidity needs

RBI pushes lenders to revive funding market vital for monetary policy

While overall money-market turnover has risen to an average $70 billion a day, interbank trades account for just 2 per cent of that, down from 20 per cent a decade ago