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Overview of Credit Management (17C)
For the bank?
Loans are the largest interest-earning asset; the interest spread (lending rate minus cost of funds) drives net interest income, which is the bulk of operating profit.
For the economy?
Bank credit fuels capital formation, working capital cycles, MSME growth, infrastructure, agriculture, exports and consumption.
For the monetary system?
Banks are the transmission channel for RBI's monetary policy: changes in the repo rate flow through to the EBLR/MCLR and ultimately to borrowers.
For society?
Priority sector lending, weaker-section advances, education loans, MUDRA, and DRI schemes finance inclusive development and reduce inequality.
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