retail loan

Indian banks’ underwriting requirements in danger amid fast shopper mortgage progress

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The asset high quality of Indian banks’ shopper loans has held up nicely to this point, however an accumulation of “untested dangers” because of fast progress might problem lenders’ underwriting requirements and threat controls, Fitch Scores mentioned on Monday. “Fitch’s evaluation of Indian banks’ threat profiles additionally components in decrease transparency by way of knowledge … Read more

Banks’ unsecured loans develop regardless of 30-100 bps capital danger weight hit

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About two months after the Reserve Financial institution of India rolled out larger danger weights for sure segments of shopper credit score, non-public banks have reported a capital affect of 30-100 bps as a result of larger capital allocation requirement for these loans. Nevertheless, this has not slowed down retail credit score development, together with … Read more