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Sanjay Kumar's avatar

Low CASA is their strategy. Major part of the book is OD & WC loans. Cannot borrow short term & lend short term. So to avoid ALM, CUB maintains low CASA. They earn a premium on these loans and hence able to maintain NIMs.

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Anil Tulsiram's avatar

as usual very interesting post... One question.. If you compare CUB and DCB bank.. DCB bank do not have much working capital loans. In fact, DCB says with in working capital loans where is no limited due payment, there is a high possibility of evergreening so it sticks to LAP.. Any comments...

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