Page 4 - Indian Banks

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

FM asks banks to stay alert, says financial system remains robust

Finance Minister asks banks to ensure uninterrupted banking, cyber vigilance and ATM cash flow amid India-Pakistan tensions; insurers told to speed up claim settlements

J&K Bank aims to cross ₹5,000 cr profit mark by 2030: MD & CEO Chatterjee

Jammu and Kashmir Bank, which crossed the Rs 2,000-crore profit mark in fiscal year 2024-25, aims to cross the Rs 5,000 crore profit milestone by 2030, its Managing Director and CEO Amitava Chatterjee has said. Chatterjee emphasized on the need for the bank to focus more on supporting the agriculture sector, while expanding its footprints in the rest of the country as part of its diversification plan. "The vision or aspiration of the bank is to cross Rs 5,000 crore profit by 2030. So that will be our way forward. Yes, we have increased the net profit by Rs 300-400 crore in the last fiscal. Obviously we would like to increase it by Rs 500 crore next year, but the ultimate vision is to cross Rs 5,000 crore by 2030," Chatterjee told PTI. He said the bank has been raising the bar each passing year by posting record profits for the past three financial years. For the full 2024-25 fiscal, the bank reported nearly an 18 per cent rise in net profit to Rs 2,082.46 crore, compared to Rs ...

IndusInd Bank's risk management, leadership under scanner: Moody's

Yes Bank's profitability remains lower vis-a-vis private peers

Indian banks outperform global peers in digital transition, daily services

Indian banks have introduced features like real-time and future-dated payments, app-based banking through messengers, and virtual card issuance for online transactions, outpacing global peers