ISSN (Print) - 0012-9976 | ISSN (Online) - 2349-8846
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A Shift in Profile of Bank Lending

In recent years, the asset-liability profile of banks has moved towards longer maturities. Term deposits are increasing and lending is also of the long-duration variety. But this does not mean banks are filling the gap created by the exit of development finance institutions: the share of personal long-term loans in total term lending has risen sharply and that of industry has fallen. While within lending to industry the share of term loans has increased, this is a statistical artefact, more the result of companies shifting to non-bank sources for working capital.

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