Selected Tag: NIM
Selected Tag: NIM

Why ALM, Not Just NIM, Matters for the Future of Bank Profitability

NIM is the only visible outcome of a bank’s ALM strategy. As lending rates evolve, transparent pricing and risk management will shape sustainable margins.

K. Srinivasa Rao

September 15, 2026 at 6:05 AM IST

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SBI Cards Is Chasing Growth Where Risk Is Harder to See

SBI Cards is using EMIs and UPI to win a bigger share of multi-loan borrowers’ wallets. Wider household debt could eventually raise card stress.

Krishnadevan V

August 11, 2026 at 4:03 AM IST

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Hidden Stress Points In Banks – Insights From Financial Stability Report

FSR flags hidden banking risks: slowing credit, NIM squeeze, unsecured loans, MSME stress, and shifting household debt patterns.

Barendra Kumar Bhoi

July 14, 2025 at 3:58 AM IST

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RBI

The Bureau

Is the RBI Behind the Curve?
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In Search of the Lesser Florican
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Maneet Pal Singh