Impact of IRDAI Commission Curbs on Life Insurance Economics
IRDAI’s proposed commission curbs could mathematically lower expense ratios to 15%, forcing life insurers to restructure distributor payouts and unit economics.
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Indian Banks Recalibrate Rural Exposure Amid Asset Quality Risks
Major Indian banks are strategically reducing farm loan exposure as rural credit growth trails overall loan books, signalling a shift toward cautious underwriting in BFSI.
Read articleICICI Bank Shrinks Credit Card Book to Prioritise Asset Quality
ICICI Bank reports a 9.7% YoY decline in its credit card book as it exits unprofitable micro-segments and pivots toward risk-adjusted profitability.
Read articleICICI Lombard Sets Loss Ratio Benchmarks Amid Margin Pressure
ICICI Lombard targets specific loss ratios across health and motor segments to protect margins against rising claims deterioration in the Indian general insurance market.
Read articleHDFC Bank Signals Shift to Securitisation for Home Loan Growth
HDFC Bank plans to leverage sell-downs and securitisation for its home loan portfolio to counter price competition and improve capital efficiency in a commoditised market.
Read articleYES Bank Faces 250 Bps CET1 Impact from AT1 Bond Reinstatement
The Supreme Court ruling on YES Bank’s Rs 8,415 crore AT1 bonds necessitates a 250-basis-point adjustment to CET1 capital, impacting lending capacity and capital strategies.
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