Bank of India will have to weigh the slowdown in credit growth and asset quality pressures before passing on to borrowers any further interest rate hikes by the Reserve Bank of India Black Dave Winfield Jersey , according to Mr Hemant Contractor, Managing Director.
The bank has generally passed on the interest rate hikes affected by the central bank.


However, the ability to pass on the hikes to borrowers is going down, he said at the launch of the bank’s Vishwa Yatra Foreign Travel Card in Saudi Rial.


To contain inflationary pressures Black Tony Gwynn Jersey , the RBI has hiked the short-term rate (or the repo rate) at which it lends funds to banks 12 times in the last 18 months. The repo rate has moved up from 4.75 % in March 2010 to 8.25 %. One % change is equal to 100 basis points.
With food inflation surging to 10.6 % in the week ended October 8 (9.32 % in the previous week) and the wholesale price index-based inflation remaining elevated at 9.72 % in September (9.78 % in August), economists expect the RBI to up the repo rate by 25 basis points in the second quarter review of the monetary policy on October 25.
Banks have transmitted the repo rate hikes to their borrowers by increasing their benchmark base rates by almost 400 basis points. To arrive at the lending rate for borrowers, banks add credit risk premium and tenure premium to the base rate.
Bank credit has grown a tad slower in the current financial year so far. Since the beginning of the financial year and up to October 7, banks saw a credit growth of Rs 2 Eric Hosmer Jersey ,06,515 Cr (Rs 2,28,271 Cr in the corresponding period last year).
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