South Indian Bank was beset with bad loans after its loans to companies such as DHFL and IL&FS soured. Under Ramakrishnan who took charge about two years ago, the bank raised its provisioning and put in place processes that improved underwriting.
How to calculate net interest margin?
NIM measures a bank’s profitability from interest activities. It’s influenced by interest rates, loan quality, and asset mix, and can be improved by optimizing lending