Macronomics: Banks bet on personal loans, but are we seeing a subprime move?


A quick look at sector credit today, once again. As of June, 2017, bank credit has been stalling at about 5% overall growth.

Banks are continuing to favour loans to individuals rather than to industry or services. As you can see here, growth has largely come to retail individual loans (“Personal loans”), while Industrial credit has been contracting.

Industrial Credit continues to contract as a whole. Large and Small industry show some recovery, but medium industry is still in the doldrums.

Banks are Cutting Loans to Commercial Real Estate and NBFCs

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