Macronomics: Bank Credit and the Sudden Drop in Incremental Credit to Deposits

No Comments » Written on December 22nd, 2013 by
Categories: Banks, Premium

In another round of Macronomics, we'll take a quick look at Bank Credit, Deposits and how our Banking System is doing currently.

A Summary
  • The Credit Deposit Ratio, an introduction
  • The past: Government Takes a Big Chunk in 2003-05
  • Oh but wait, we've just seen a spike in that now!
  • Bank Credit Growth slows to less than 15%, while Deposits are growing at 16%+
  • Tada! The Incremental Credit Deposit Ratio
  • Whoa, Look how much that has fallen!
  • Good CASA times for banks are over. Everyone's moving to Term Deposits
  • And more

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About the Author:
The man behind Capital Mind. Deepak is a co-founder at MarketVision, a financial knowledge company. Deepak also provides data research and consulting services, and now lives in Bangalore. Connect with him at

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