Business Today

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A Decade of Repair Pays Off

Business Today

THE NEXT CHALLENGE DEPOSITS, NOT BAD LOANS

LABOUR MARKET FACES AN AI TSUNAMI • IMF Managing Director Kristalina Georgieva on the promise of artificial intelligence, and why countries must coordinate to spot risks, protect workers, and build smart guardrails

RBI’S ECB OVERHAUL • Higher borrowing limit, more liberalised use cases and borrowing at market conditions open the doors for India Inc to access foreign capital at lower rates, but currency depreciation could weigh on costs

INDIA’S AI MOMENT • THE INDIA AI IMPACT SUMMIT SIGNALLED THAT THE GLOBAL AI CONVERSATION’S CENTRE OF GRAVITY IS SHIFTING TO THE GLOBAL SOUTH

‘‘Retail liquidity available to banks is shrinking” • Hitendra Dave, HSBC India CEO, on how the shift to consumption over savings for buying assets has made banks prefer retail loans over corporate lending

INDIA’S BEST BANKS

THE GOLD STANDARD • ICICI Bank, a five-time winner in the BT-KPMG Best Banks and NBFCs Survey, continues to raise the bar under MD & CEO Sandeep Bakhshi

THE GOVERNOR WHO WEATHERED MANY STORMS • Six years, multiple crises, and a non-economist Governor who held the system together when it mattered the most

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FIN AI AT THE HELM • Bajaj Finance’s leadership, consumer data, and AI are becoming its real moat

CLEAN GROWTH • How Bajaj Housing Finance became the third-largest housing finance player in India without compromising asset quality

THE NEW-AGE BANK • Bank of India’s strategic push into artificial intelligence as part of its broader transformation is beginning to pay off

ON TO NEW FRONTIERS • After the successful merger of Fincare SFB, AU Small Finance Bank is working on transitioning to a universal bank to unlock more opportunities

POWERING DECISIONS AT SCALE • From digital loans to health insurance claims, Perfios is building a global decision-making platform

HOLDING STEADY • Bank of Maharashtra’s mantra of ensuring profitability without compromising credit quality has helped it stay ahead of the pack

INDIA’S GLOBAL BANK • A conservative balance sheet, disciplined growth, and sharp execution have helped HSBC India stand out among foreign banks and bag two awards

SMALL WONDER • For Karur Vysya Bank, growth stems from pairing its enviable legacy with an enthusiastic embrace of technology

STEADY RISE TO THE TOP • Jana Small Finance Bank moves from rank three in FY24 to rank one by focusing on customer engagement and technology-led delivery

BANKING ON INTELLIGENCE • From geospatial analytics to AI-driven lead management, Canara Bank is transforming innovation into measurable gains in customer acquisition

TRAINING FOR THE FUTURE • At DBS Bank India, the vision is clear: use AI to cut down on toil and improve productivity

TALENT EDGE • For HDFC Bank, the focus is on ensuring that scale, technology and talent depth move in step

OVERHAULING CREDIT DISBURSEMENTS • L&T Finance shifted gears from traditional lending to an artificial intelligence-driven credit system, expediting disbursement decisions with tailor-made offers for borrowers

LENDING A HELPING HAND • At Indian Bank, the emphasis extends beyond growth metrics to the profile of borrowers and the sectors receiving credit. Their portfolio is structured around defined inclusion priorities

RBI’s New Credit Playbook • India needs deeper domestic capital to sustain its growth and the RBI’s reforms respond to these shifts

WHAT DO THE NEW TARDE DEALS MEAN FOR...