Federal Bank has consistently delivered NIMs at the bottom of the curve (competition is far ahead). While so far the Provisions have been limited, we don’t know the future, given proposed changes in the asset profile. So far the aggression in its asset profile hasn’t resulted in improved NIMs
Going ahead the fight for deposits will only intensify and the interest rates (on assets) are going to start falling. In such a scenario, with such lower NIMs how will it sustain profitability
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