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FCNRB deposits: Why bank investors should watch RoE, not just NIM

FCNR(B) deposits could boost banks return on equity despite a mild impact on net interest margins, according to Anand Rathi. Exemptions from reserve requirements, capital-efficient lending and longer tenors could improve returns. The brokerage analysed four scenarios, including deposit costs, leverage and rising rates, to assess the schemes benefits.

3 Sep 2026 7:16 pm