Banks De-risk Microfinance Portfolios as NBFC-MFIs Gain Dominance
CRIF High Mark data reveals a significant shift in the microfinance landscape as banks reduce their market share to 21.8%, ceding ground to specialist NBFC-MFIs.
Read articleSBI Identifies ₹10,000 Crore Agri Pool for Restructuring
SBI identifies a ₹10,000 crore agri-loan pool for restructuring across three drought-hit states, though historical trends suggest limited borrower uptake for such facilities.
Read articleSBI Projects ₹19,500 Crore Impact from ECL Provisioning Shift
SBI estimates a ₹19,500 crore impact from the transition to Expected Credit Loss (ECL) provisioning, providing a capital benchmark for Indian lenders.
Read articleBank Lending to NBFCs Rises 42%: Assessing Circular Credit Risks
A 42% surge in bank-to-NBFC lending triggers regulatory scrutiny over systemic interdependencies and the sustainability of refinancing-led growth models in India.
Read articleSupreme Court Verdict on AT-1 Bonds: Impact on Capital Pricing
The Supreme Court's validation of AT-1 bond frameworks reduces legal risk premiums, potentially lowering the cost of Tier-1 capital for Indian private lenders.
Read articleBanks Leverage CDs Over Term Deposits to Manage Resource Costs
Indian banks are pivoting to Certificates of Deposit to bridge funding gaps, avoiding retail rate hikes to protect margins amid shifting liquidity conditions.
Read articleBank of Baroda Models ₹12,500 Crore ECL Transition Impact
Bank of Baroda projects a ₹12,500 crore capital impact and recurring credit cost increases as the industry prepares for the Expected Credit Loss (ECL) framework transition.
Read articleSuresh N Patel to Chair High-Level Committee on Banking Reforms
The Indian government has formed a four-member committee to recommend structural reforms in banking regulation, technology, and capital to support the Viksit Bharat vision.
Read articleBandhan Bank Projects ₹200 Crore Impact from IRDAI Distribution Norms
Bandhan Bank estimates a ₹200 crore annual hit to fee income from proposed IRDAI distribution norms, highlighting the shift toward cost-linked commission models in bancassurance.
Read articleIndian Banks Face Projected NPA Rise in FY27 from MSME and Retail
Lenders anticipate a modest uptick in fresh NPAs by FY27, driven by cyclical stress in unsecured retail and MSME portfolios, requiring immediate credit filter recalibration.
Read articleSBI to Launch YONO Bharat for Jan Dhan Segment
State Bank of India is developing YONO Bharat, a dedicated mobile banking app tailored for Jan Dhan account holders to improve digital adoption in underbanked segments.
Read articlePrivate Capex Pipeline Hits ₹99.7 Lakh Crore Amid Lending Risks
India’s private capex pipeline has grown fourfold since 2014, reaching ₹99.7 lakh crore. Lenders now face heightened concentration risks in capital-intensive sectors.
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