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Wednesday, July 1, 2026

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NIM

The capital crunch

Quite a few banks saw their loan-to-deposit ratios (LDR) approach 100% in late Q4 2025, according to SSI Research. Liquidity had grown increasingly dependent...

Interest rate spike weighs on investor sentiment

Interest rates have risen to 8.5–9% per annum, and the P/E ratio offered by savings accounts has correspondingly improved to 11–11.7. This is quite...

CASA ratio fluctuations

In the context of declining net interest margins (NIM) and rising deposit interest rates as system liquidity faces increasing pressure, improving the Current Account...

Net interest margins shrink

As banks lower lending rates to support economic growth, they will have a tough time managing capital mobilization costs to stabilize their net interest...

Room for lending rate cuts

The Government has set an ambitious GDP growth target of 8% or higher in 2025 to create a strong foundation for growth in the...

Bad debt seen from loan portfolios

Bad debt is currently the biggest concern in the banking system. The financial reports by many banks in the first quarter of this year...

Banks seek profit recovery

The central bank's back-to-back interest rate cuts this year has enabled banks to lower borrowing costs. This move is likely to highlight differences in...

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