Indian Banks Must Rethink CCM as a Growth Engine in 2025

Indian banks need to rethink their credit and capital management (CCM) strategies to foster growth in 2025, according to a report. The report emphasized that banks should adopt more innovative approaches to manage capital and credit to meet the growing demands of the economy. The shift towards digital banking, increasing competition, and regulatory pressures necessitate a more adaptive and efficient CCM model. Banks are urged to focus on leveraging technology to streamline credit processes and enhance customer experience while maintaining healthy capital adequacy ratios to ensure sustainable growth.