India’s corporate banking sector has been going through a significant restructuring over the past five years. On one hand, state banks are working to improve their balance sheets after accumulating a large amount of non-performing loans (NPLs). On the other hand, Basel-III requirements have raised the minimum capital requirements for banks. As a result, it has become more costly for corporate banks to lend at the same time that the country’s growth requires capital to fuel it.
This structural tightening in the market has forced many corporate banks to examine their business models and look to other countries for lessons learned.
In Restructuring corporate banking in India, a series of five articles commissioned by Kotak Mahindra Bank, The Economist Intelligence Unit (The EIU) brought together experts in corporate banking to share their insights about how shifting regulations, markets and technologies are transforming the industry. The list of articles is as follow:
- Changing business models in India’s corporate banking sector
- The data tsunami: Riding the wave in India’s corporate banking sector
- Loans, commercial paper, and bonds: India’s corporates diversify how they borrow
- The new payments competition in India: Digital boosts speed and efficiency
- From simple to sophisticated: Changes in the lending strategies of India’s corporate banks
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