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  • Sector Alert | Banks: Retail loan growth in top gear

    Publish date: 29th June, 2018

    CIBIL’s recent publication on consumer loans provides some of the best insights into the current state of the retail lending business. Key takeaways for 1QCY18:

    • We are probably in the best phase in retail loan growth
    • Mortgages growth is mostly driven by volume growth rather than value
    • Auto loans are driven by a combination of volume and value; asset quality shows improvement
    • Personal loans is the fastest growing segment; NPLs lower than secured products
    • Credit card growth has a bit more skew towards volumes; ~25% are zero balance cards