Shalini Warrier

In its latest financial stability report released this week, Reserve Bank of India (RBI) says its approach of balancing growth and stability, 'with willingness to take proactive and prudent actions to prevent accumulation of risks,' is boosting stability of financial system. Gross bad loans as a share of overall loans at banks declined to 2.8% last fiscal, a multi-year low, the report added. Read the full story here- https://lnkd.in/gSw-w4uj

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With the AIF market in India exceeding ₹8 lakh crore, SEBI's measures aim to maintain operational flexibility while curbing risks related to borrowing. These guidelines are pivotal as the AIF market grows, ensuring AIFs benefit the financial ecosystem positively. https://mybs.in/2dYDEbx

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Prof. Ashish Das’s new report exposes the high fees many banks charge for basic services. This is due to ambiguous RBI guidelines. It’s time we demand accountability and fairness from our banks!!!! Check out this article - https://lnkd.in/grsmyeFn IDFC FIRST Bank

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UCO Bank has set an internal target of improving its #creditdeposit ratio by over #300bps to #75% by the end of the #FY25, according to the state-owned bank's Managing Director and Chief Executive Officer ASHWANI KUMAR. "Our target is the end of fiscal, but if not the end of fiscal, at least by June," Kumar told Informist Media Pvt Ltd in an #interview. Improving the credit-deposit ratio by one percentage point every quarter will help the bank meet the target by June. At the end of September, the bank's credit-deposit ratio was 71.77%. Kumar's comments on improving the credit-deposit ratio come at a time when both the Reserve Bank of India (RBI) and the Ministry of Finance have raised concerns about growth in deposits lagging advances. Though UCO Bank is doing better than its peers, Kumar told Sagar Sen and me that with 8-10% growth in deposits and 12-14% growth in advances, UCO Bank can meet the 75% target. Read the full interview here where he shed light on the bank's #CASA ratio, the potential impact of #RBI's proposed #LCR norms, the lender's fund-raising plans, and offshore operations: https://lnkd.in/eFXH7V4j

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“CSB Bank: A Century of Banking Excellence” CSB Bank Limited, headquartered in Thrissur, Kerala, stands as a testament to a century-long journey of banking legacy, innovation, and customer-centric service. As one of the oldest private sector banks in India, CSB Bank's rich history and remarkable transformation continue to inspire confidence among its stakeholders. A Legacy Rooted in Kerala Kerala is home to five prominent banks, of which four—CSB Bank, Dhanlaxmi Bank, South Indian Bank, and ESAF Small Finance Bank—originate from Thrissur. The fifth, Federal Bank, is based in Ernakulam. Originally incorporated as The Catholic Syrian Bank Limited on November 26, 1920, CSB Bank has grown steadily, embracing changes while holding onto its core values. The bank became a Scheduled Bank in 1969 and earned its place in the Second Schedule of the Reserve Bank of India Act. It extended its reach beyond Kerala by opening its first branch in Mumbai in 1972 and its first Karnataka branch in Bengaluru in 1973. Over the decades, CSB Bank has expanded its footprint and currently operates 802 branches and 771 ATMs nationwide. Rebranding and Modernization In 2019, the bank underwent a significant transformation by rebranding itself from The Catholic Syrian Bank Limited to CSB Bank Limited. This change addressed region- and community-related perceptions and marked the bank’s transition into a contemporary private sector bank. The rebranding also accompanied a renewed focus on leveraging technology, modernizing operations, and enhancing customer experience. Milestones in Growth. 1975: Received a foreign exchange license and became an "A Class" Scheduled Bank. 2003: Revamped its logo and color scheme to reflect a modern image. 2009: Total business crossed ₹10,000 crore. 2019: Successfully launched an IPO, raising ₹409.67 crore. 2021: Crossed the milestone of 500 branches. 2022: Partnered with OneCard and Mastercard to launch a co-branded credit card. Customer-Centric Services With a client base exceeding 2.15 million customers, CSB Bank continues to focus on delivering tailored financial solutions. Its business model is anchored in four core areas: SME Banking Retail Banking Corporate Banking Treasury Operations The bank has also partnered with leading insurance providers like Edelweiss Tokio, ICICI Prudential, HDFC Life, and others to offer a comprehensive range of financial products. Additionally, its digital transformation includes mobile and internet banking platforms, ensuring seamless service delivery. Commitment to Excellence Under the leadership of its current Managing Director, Mr. Pralay Mandal, CSB Bank is committed to upholding corporate governance and regulatory compliance. Its 6,800-strong workforce is equipped with the tools and training to cater to the diverse financial needs of customers across India. A Bright Future Ahead . Krishnakumar K T, Banking Expert . #Csbbank #Banksinindia #Kerala #Thrissur

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Banks are finding it difficult to mobilize resources. Despite special schemes & higher rates for #Deposits Because, demand for loans are robust. They are lobbying for govt cash balances. A Business Standard report. https://lnkd.in/dSPa7_re

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🚀 Growth in NBFCs: Will Salaries Increase for NBFC Staff?🚀 In a recent bulletin on October 9, 2024, the Reserve Bank Governor emphasized the impressive growth of the Non-Banking Financial Companies (NBFCs) sector, which has significantly improved credit access for underserved communities and bolstered financial inclusion. However, the Governor highlighted key concerns: 1. Sustainable Growth: Some NBFCs are pursuing aggressive expansion without robust risk management. A “growth at any cost” mindset could jeopardize long-term stability. 2. Responsible Returns: Many NBFCs, including microfinance institutions and housing finance companies, are pressured to deliver high returns. This can lead to exorbitant interest rates and excessive fees, posing risks to financial stability. 3. Compensation Structures: A critical reassessment of compensation practices is necessary. Target-driven incentives can create a negative work culture and impact customer service. The third point raises questions about salary structures for NBFC staff. It will be interesting to see how HR and Finance managers respond to these challenges and what changes might be on the horizon! #ReserveBank #NBFC #FinancialInclusion #SustainableGrowth #FinancialStability

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Regulatory guardrails are helpful at scale stage to facilitate better structural build.

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Is the Micro Finance industry still lucrative for the FI’s All major players have started feeling the heat as the delinquencies are on an increasing trend and key reasons being - 1. Borrowers being over leveraged 2. Groups being disintegrated 3. No more serious Group meetings 4. FI’s increasing LTV instead of bringing in new borrowers to increase their books 5. Cross sell to MFI borrowers 6. Losing control on front line staffs 7. No personal touch with the borrowers 8. Interference of co-applicants (spouses) Is Microfinance Industry Network (MFIN) losing its grip over the industry #MicroFinance #RuralBanking

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YES BANK continues to reaffirm its commitment to fostering the entrepreneurial spirit and supporting the growth of start-ups and MSMEs in North India through a combination of innovative banking solutions and a deep understanding of the needs of emerging businesses. With 36% of our MSME loan portfolio originating from the Northern region and disbursements amounting to ₹5,081 crore in the first half of FY25 alone , the Bank has demonstrated its agility and business-friendly approach. Our start-up accelerator programme has empowered approximately 1,220 start-ups , building a robust portfolio worth ₹2,500 crore, while specialized offerings like YES Vyapari and #YESPay Next enable seamless cash flow and payment solutions. Further bolstering its digital leadership, YES BANK’s platforms like the #IRIS App and YES Business are tailored to enhance the operational efficiency of MSMEs, serving 32 lakh users with over 19 lakh monthly active users . YES BANK's march towards enabling digitalisation, led by a 56.4% market share in #UPI payments , among private-sector banks, underscores its pivotal role in supporting the growth of start-ups and #MSMEs in North India. By processing one in three digital payment transactions in #India, the Bank ensures agility and efficiency for emerging businesses, further enhancing their cash flow management and operational ease. At YES BANK, we are not just expanding our footprint; we’re expanding the potential of every business we serve, bringing innovative solutions and digital transformation to the heart of Bharat’s economic engines. #YESBANK #NorthIndiaGrowth #FinancialInclusion #DigitalInnovation #Entrepreneurship #BridgingBharat #EmpoweringBusinesses #LifeKoBanaoRich

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MKAC Analytics session for CXO and C Suite Level cadre Decoding financial statements International Speaker - Mr Har Govind Sachdev Former CVO UCO United Bank of India , General Manager State Bank of India Training Programme comprises of - What the Balance Sheet Hides How to read the financial statements How to dissect the Assets and Liabilities side of the Balance sheet Overview and how to read various Financial statements and their significance. Disseminating the Profit and Loss statement Assimilation of Cash flows Detailing on understanding to calculate various Financial Ratios and Analysis MKAC Analytics # the revolution on Learning and development # Vintage Trainers #Technical and strategical team #Global Technology #Interative sessions #Strategies Training on Leadership skills#Business Acumen skills#Relationship skills#Technical skills #Organisational success

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High energy at U-Genius Quiz Nagpur. If this is the energy before the quiz, one can imagine the energy throughout the quiz. Giri Balasubramaniam Balasubramanian G Teacher Tribe Knowledge Tribe Greycaps #UnionBank #generalknowledge #nagpur #Greycaps #KnowledgeTribe

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In this tyrannical land of never-ending OTPs, let us have an OTP day https://lnkd.in/guw5anmg Download Economic Times App to stay updated with Business News - https://lnkd.in/gTW9rA5X

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