Market pulse › Credit growth
Credit growth
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Leadership● mixedHDFC Bank CEO's to-do list in coming weeks: Growth, Casa, investor trustThe incoming HDFC Bank chief faces priorities including retail and deposit growth, rebuilding CASA and improving marginsHDFC BankPrivate banksRetail
Data● mixedHigh credit-deposit ratio does not signal funding vulnerability: RBI reportRBI report says a high credit-deposit ratio alone does not signal funding vulnerabilityBanking liquidityBanksRBI
● mixedPersonal loan closure and your credit score: What really changes after the final EMIUnsecured loansNBFCs
Expansion● mixedSBI business could touch Rs 200 lakh crore by 2030 on current growth: Chairman CS SettySBIPSU banksEconomic growth
● mixedCredit report freeze: When it makes sense and what borrowers should knowAsset qualityHousingGold loans
● mixedMoney mistakes young professionals make in their first 5 years of earningLifestyle expenses and missed compounding are highlighted as financial mistakes in professionals’ first five earning yearsRetailAsset quality
Policy● mixedDeposit per se may not be a binding constraint for credit creation: RBI bulletinBanksRBI
Broker call● mixedGold Loan Boom Set To Cool As Personal Loans Take Over, UBS SaysNBFC personal loan growth reached a two-year high of 30% in AugustNBFCsUnsecured loansGold loans
● mixedClosing an unused credit card? Experts explain how it can affect your credit utilisationClosing an unused card can reduce total available credit and increase credit utilisation
Data● mixedRBI Bulletin: Credit-Deposit Ratio Exceeding 80% Does Not Indicate Funding VulnerabilityBank credit growth has outpaced aggregate deposits, pushing the credit-deposit ratio above 80% since FY23RBIBanks
Funding and debt● mixedCorporate debt maturities set to test US borrowers as rates riseCorporate bondsBond yieldsUS Treasuries
Data● mixedBank deposit growth level in August hits highest in 15 years, leading to CD ratio moderation: RBI BulletinBanksRBIBanking liquidity
Data● mixedRupee gains on FCNR(B) deposits reverse amid crude price spike: RBI reportBanks mobilised $133 billion in FCNR(B) deposits after the RBI opened a concessional swap window in JuneRupeeBanksRBI
● mixedThai finance minister sees 2.5% growth next year on investment-led policiesFinance MinistryFDIRepo rate
Data▼ bearishBank deposits, credit shrink in fortnight to September 15Bank deposits contracted by Rs 2.59 lakh crore in the fortnight ending September 15BanksBanking liquidity
● mixedBeyond the number: Why an 800 credit score doesn’t guarantee a loan and what you can do about itAn old ‘settled’ account can undermine a loan application despite an 800 credit scoreUnsecured loansAsset quality