Among applicants to Tribhuvan Sahkari University's new MBA programme is 25-yr-old Sakshi Dhole from Maharashtra. Her dream is to help farmers boost productivity & improve livelihoods.
Using icons and speech, AI-enabled voice apps like Hello Ujjivan and Bhashini are building a new bridge to banking for India’s 18 crore low-literate citizens.
Accoring to Motilal Oswal report, fintech sector, which barely existed before 2015, now holds a combined market cap of over Rs 12 trillion, including both listed & unlisted companies.
Narrowing of the wedge between credit and deposit growth, and the possible easing of the monetary policy, could weigh on the net interest margin of banks in 2025.
Since 2014, the Modi government has been aggressively expanding access to banking services and encouraging participation in the stock market. Simultaneously, it has sought to substantially boost GST revenue.
RBI’s latest financial sector report card highlights drop in NPAs, capital buffers for banks & better asset quality for NBFCs. But new sources of risk, like climate change, have emerged.
To avoid high credit-deposit ratios, banks need to maintain healthy deposit base — a difficult task considering the competition they face from MFs & physical assets like gold, real estate.
There are, however, also some incipient signs of stress in the form of shrinking net interest margins & build-up of bad loans in retail segment that need to be monitored.
Indian banks, regulators, and investors weren’t worried when crises began exploding in US and European banks earlier this year. This resilience has been a long time coming.
While bank credit looks healthy, there are signs of stress. Pvt investments show green shoots but merchandise exports are contracting. Foreign investors continue to find India attractive.
With 20.2 percent of its total loans in default by the end of last year, Bangladesh had the weakest banking system in Asia. Despite reforms, it will take time to recover.
This world is being restructured and redrawn by one man, and what’s his power? It’s not his formidable military. It’s trade. With China, it turned on him.
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