What Does USB’s NIM Expansion Actually Assume About Deposit Beta?
When a bank’s operating income jumps from $7.9 billion to $9.5 billion in a single fiscal year and the market treats the number as confirmation of a s…
Net Interest Margin
HDFC Bank’s Playbook Doesn’t Save Axis Bank Here
HDFC Bank reported net interest margins above 3.5% through most of 2024. It trades at a premium to book. Analysts cite its retail deposit franchise as…
₹810.3 and the Deposit Clock
On April 4, 2026, the prior analysis flagged deposit cycle duration as the variable the market was treating as background noise — that assessment has …