Deposit Growth
Loan growth, margin tailwinds to support HDFC, ICICI Bank in Q3
Seasonal marginal pressures on asset quality, particularly agriculture-linked products, may lead to a moderate rise in slippages for HDFC Bank and ICICI Bank.
3 min read16 Jan 2026Banks head into Q3 earnings with strong loan growth—but deposits, liquidity in focus
Credit momentum and stable asset quality are expected to support results in the December quarter, even as elevated loan-to-deposit ratios and weak deposit growth emerge as key pressure points.
4 min read5 Jan 2026Banks want deposits but end up giving more loans
A widening CD ratio is forcing banks to lean increasingly on market borrowings, liquidation of excess statutory liquidity ratio (SLR) holdings, and balance-sheet buffers to raise money for lending.
3 min read3 Jan 2026Heartburn at lenders as loan rates fall but deposit rates don't
Floating-rate loans are repriced immediately, while deposit rates are fixed, squeezing margins, public sector bank chiefs told RBI officials ahead of the 5 December policy outcome.
4 min read3 Dec 2025After a year’s pause, AT-1 bonds make a comeback with Canara Bank
Canara Bank’s ₹3,500 crore AT-1 issue is set to reopen the perpetual bond market, prompting other state-run lenders to prepare their own capital raises.
4 min read1 Dec 2025Banks cut government debt holdings to increase advances as deposit growth slows
Deposit growth has fallen below the double-digit threshold for four consecutive fortnights.
4 min read3 Nov 2025Union Bank of India: Value investors may still find appeal despite slacking growth
Notwithstanding the soft June quarter update, Union Bank of India, like other top PSU banks, remains a deep value stock.
3 min read10 Jul 2025Complacency alert: The recent shortfall in deposits is a wake-up call for Indian banks
They should treat depositors as business partners if they are to garner sufficient low-cost deposits for lending. Financial repression is not sustainable and could structurally warp the Indian banking system.
4 min read30 Dec 2024Deposits won’t grow faster; it is time for credit growth to slow down
In line with the ‘withdrawal of liquidity’ stance, RBI has been constraining deposit growth by maintaining a lower level of banking system liquidity and moderating reserve money growth at around 5%.
3 min read5 Sep 2024‘Statistical Myth’: SBI report allays concerns over declining bank deposits; robust growth seen in deposits, credit
State Bank of India says the concern about a slowdown in deposit growth in the banking sector is just a statistical myth. Deposit growth remains strong, with term deposits taking a larger share as interest rates rise, the lender has said in a report.
2 min read19 Aug 2024