I feel that tightening of norms for unsecured retail lending will help better governed banks as they will continue with their business plans by raising additional capital as and when required. I rate IDFCFB management as dynamic and professionally strong. So the new capital adequacy norms should help them as competition in consumer loans will reduce. Logically this segment must be having higher NIM compared to other segments. Therefore in my opinion it is a positive for IDFCFB.
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