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Unsecured loans and digital risks: RBI and bank officials flag challenges

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Regulatory oversight, declining CASA ratios, and third-party dependencies are putting pressure on banks to rethink their strategies.
The article from CNBC TV18 discusses the current state and challenges within India's banking sector. It highlights that while the sector has seen a recovery with improved asset quality and profitability, several issues persist. Key challenges include the rapid growth of unsecured loans, which pose a risk due to potential defaults, and the pressure on maintaining a healthy CASA (Current Account, Savings Account) ratio amidst rising deposit rates. The article notes that banks are increasingly focusing on digital transformation to enhance customer experience and operational efficiency, but this also brings challenges like cybersecurity and the need for substantial investment in technology. Additionally, the sector faces competition from fintech companies, which are capturing market share with innovative financial products. The article also touches on regulatory concerns, with the RBI keeping a close watch on the sector's health, particularly on unsecured lending practices and the overall credit growth.

Read the Full cnbctv18 Article at:
[ https://www.cnbctv18.com/business/finance/banking-sector-industry-challenges-unsecured-loans-casa-deposits-digital-19562724.htm ]