Whalesbook
Home Loans Slowdown ka Reason?
Dekho, Federal Bank ne yeh move strategically liya hai. Unhe abhi home loan mein paisa lagana utna faydemand nahi lag raha kyuki returns kam mil rahe hain. Isliye, woh ab naye single-product customers ke peeche zyada nahi bhagenge, balki un customers ko priority denge jo bank ke saath already multiple products use kar rahe hain.
Interest Rates ka Future Kya?
Bank ko strong indication hai ki interest rates ka cycle apne bottom par aa gaya hai. Abhi unke loan portfolio ka zyada hissa floating rates par hai jo EBLR ya MCLR se linked hain, toh current yields low rates se affected hain. Par management ko umeed hai ki rates ab ya toh stable rahenge ya dheere-dheere upar jayenge, jisse bank ke assets par better yields milenge. Fourth quarter mein unka yield on advances 8.65% raha.
NIMs par Bhi Update!
Ek aur achhi baat yeh hai ki rate cuts hone ke bawajood (125 basis points tak), Federal Bank ke Net Interest Margins (NIMs) kaafi stable rahe hain. Aage FY27 ke liye, bank predict kar raha hai ki NIMs mein har quarter 5-6 basis points ka thoda-thoda growth ho sakta hai, haalanki yeh growth kabhi steady nahi hoga.