Tag
#banks
9 articles
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The HDFC Bank Business Model Explained
How HDFC Bank makes money: net interest income from a large low-cost deposit base, plus fees from cards, payments, and distributing third-party products.
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The ICICI Bank Business Model Explained
How ICICI Bank makes money: the spread between loan and deposit rates at the core, plus fee income and a group of insurance, broking, and asset-management subsidiaries.
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HDFC Bank vs ICICI Bank: A Side by Side Look at India's Big Two
A factual comparison of HDFC Bank and ICICI Bank: scale, margins, CASA, asset quality, and how to read each. No winner declared, education only.
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How Does SBI Make Money? India's Biggest Bank, Explained
SBI earns most of its money from the spread between low-cost deposits and a giant loan book, plus fees and stakes in SBI Life, SBI Cards and SBI MF.
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HDFC Bank CASA Ratio: History and What It Means
The CASA ratio is the share of low-cost current and savings deposits in total deposits. HDFC Bank ran in the low-40s for years, then eased to the high-30s after the 2023 merger.
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How to Forecast Bank Earnings: A Practical Framework
A step-by-step framework for forecasting a bank's earnings: project loan and deposit growth, apply margin for net interest income, then subtract costs and credit provisions.
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How to Forecast HDFC Bank Earnings: A Framework
A step-by-step framework for building a large bank earnings forecast, using HDFC Bank as a worked example: growth, NIM, fees, costs and credit.
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How to Read a Bank's Financials: NIM, CASA, NPA and Why ROCE Does Not Apply
A bank is read on NIM, CASA, asset quality and capital, not ROCE or debt-to-equity, because deposits are its raw material, not just its funding.
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Indian Banks NIM Forecasting Guide: How Net Interest Margin Moves
Net interest margin is what a bank earns on loans minus what it pays on deposits. Here is how the RBI rate cycle, deposit lags, and CASA mix move it.
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