Know What's Happening in Banking
Know What's Happening in Banking
IndusInd Bank sees deposits dip 2.6% YoY while advances fall 8.7% in Q4FY26
IndusInd Bank reported total deposits of ₹4,00,178 crore, down 2.6% year‑on‑year, and net advances of ₹3,15,154 crore, down 8.7% YoY. Deposits rose 1.6% sequentially, indicating a modest recovery amid a cautious lending environment.
Also developing:
By the numbers: Huntington Bancshares completes Cadence Bank acquisition
Visa announced the acquisition of Argentina’s Prisma Medios de Pago and the fintech platform Newpay, marking a strategic push into Latin America’s payments ecosystem. The combined deal, valued at over $200 million, will be funded largely with cash. By integrating Prisma’s extensive merchant network with Newpay’s digital wallet capabilities, Visa aims to broaden its service suite for both online and offline transactions. The move aligns with Visa’s broader ambition to capture a larger share of the region’s under‑banked population.
A strong credit score remains the linchpin for securing a home loan, especially as interest rates climb and property price growth slows. Lenders assess borrowers through the five C's—character, capacity, capital, collateral and conditions—using the credit report as a proxy...
China’s central bank, the People’s Bank of China, announced that both the 1‑year and 5‑year Loan Prime Rates (LPR) remain unchanged for the ninth consecutive month. The 1‑year LPR held at 3.45% while the 5‑year LPR stayed at 4.20%, reflecting...
Truth: “If spreads keep widening and banks keep lagging, this is more than a one day shakeout. If they stabilize, this was the market resetting positioning and rotating and not the start of a whole new regime.”
Citigroup announced the sale of an additional 24% stake in its Mexican retail bank, Grupo Financiero Banamex, for roughly $2.5 billion. The shares were bought by a consortium that includes Blackstone, General Atlantic, Brazil's BTG Pactual and Mexico's Afore Sura, among others. The...
The 2025 CSBS Annual Survey reveals community banks are feeling heightened pressure from non‑bank competitors, especially in payments and wealth‑management services, while deposit‑rate volatility forces more aggressive pricing. Cybercrime emerges as the top internal risk, with card and identity fraud...
In recent years, a new form of 'synthetic' lending has emerged as a potential alternative to margin loans or SBLOCs for short- and medium-term borrowing: The "box spread". https://t.co/xmNXcFkoUQ Kitces Nerd Ben Henry-Moreland shares the mechanics of box spreads, why the...
74% of firms will deploy agentic AI by 2028. Only 21% have mature governance. A 53-point gap between ambition and readiness. That is a ticking time bomb for shareholder value. https://t.co/TsiQpfm0tL
Washington State’s House Bill 2089 seeks to restore dwindling wildfire‑prevention funding by revoking a tax deduction that currently benefits large digital mortgage lenders. The deduction, originally crafted for community banks, generated $91.6 million in savings in 2024, with 65 % captured by...
$JPM just raised NII to $104.5B vs $102.9B expectation. Expenses in line. Expects retail deposit growth to resume in 2026 from underlying customer growth and a reduction in yield seeking behavior.
Traditional lenders are eyeing the expanding non‑agency mortgage market as originations have roughly tripled in recent years, driven by growing appetite for non‑owner‑occupied and non‑QM loans. Securitization activity surged 78% in 2025, while delinquencies on non‑QM assets have risen above...
Our savings yield for @bankonroger is 3.61 APY. I’m not worried about competition with stablecoin yields, I’m concerned how it robs community growth. Stablecoin funds gov’t debt while community banks fund community growth.
Bank holdings of residential mortgage‑backed securities dropped in Q4, while investor appetite for GSE‑eligible non‑agency loans surged. The CFPB reported a lower share of complaints receiving relief, and fintech Better turned to stablecoins for warehouse funding. M&A activity is reshaping...
I sometimes get asked whether I expect agents paying each other to use stablecoins. I certainly expect them to call a remote API backed by a database, but wonder why they would have strong preferences on which payment rail to use.
A bit more on section 122 -- Adam Tooze noted that the simplest read of "international payments problems" is a problem of global imbalances manifest by large surpluses and large (U.S.) deficits 1/ https://t.co/86nmn36jP7
Commonwealth Bank completed a migration from an on‑premises SAP R/3 mainframe to an SAP S/4 HANA core hosted on AWS in October 2023. The new in‑memory architecture cut infrastructure costs by 30% and boosted processing performance by the same margin,...
The blockchain provides lightning fast, nearly free, payment exchanges w/ abundant opportunities to build a new payments system. It also opens the door to undoing the trust the U.S. financial system is known for. 👇
The Clarity Act, promoted as good for crypto, is actually a win for banks. It allows them to enter the crypto space while keeping any interest earned, effectively regulating stablecoin companies and preventing them from offering interest. #CryptoRegulation #ClarityAct #IvanClips...
Mortgage delinquency rates in Canada’s two largest housing markets rose sharply in Q3 2025. Toronto’s rate climbed to 0.27%, a 4.5‑fold increase from its 2021 low and the highest level since 2012. Vancouver’s delinquency rate reached 0.19%, more than double its...
i should have realized a widely shared article on social media that mentioned credit card AI disruption would cause $AXP & $V to sell off today. PMs are shooting first and asking questions later. figuring out how PMs will react...
Crypto.com has secured conditional approval from the U.S. Office of the Comptroller of the Currency to charter Foris Dax National Trust Bank, operating as Crypto.com National Trust Bank. The bank will deliver custody, staking and trade‑settlement services under OCC supervision,...
The SEC will host a Private Markets Roundtable on March 4, 2026 to discuss the retailization of private securities. Currently, non‑accredited investors are limited to Reg A and Reg CF, while most private offerings remain inaccessible. Pending legislation could relax accredited‑investor thresholds, adding a...
#Mortgage rates just dropped below 6%, matching lowest level since 2022 https://t.co/MSs7B1Npgs @mortgagenewsmnd @MG_MBS #realestate #realestateinvesting
Finovate’s weekly roundup highlights a flurry of fintech activity as Flywire names a new CTO, MoneyHash teams with Wayl to enter Iraq, and Payabli partners with Huntington Bank to embed payments in digital banking. Worldline launches One Commerce for omnichannel...
Cornell Law professor Dan Awrey released a working paper titled "Banking, Technology, and Instability" analyzing fintech‑driven Banking‑as‑a‑Service (BaaS). The paper argues BaaS flips traditional outsourcing, with fintechs delegating core banking functions to partner banks, creating regulatory arbitrage. This shift destabilizes...
AI agent traffic nearly tripled in a year. 25Billion bot requests in 2 months. The question is no longer how to block bots — it's how to trust them. Visa + Akamai are building the answer. "What it takes to secure...
Rate has introduced RateFi, a new mortgage product that lets borrowers leverage their cryptocurrency holdings without liquidating them. The program treats verified crypto as both qualifying income and reserve assets, though any down‑payment must still be converted to U.S. dollars....
Bank mortgage‑banking earnings slipped in the fourth quarter, falling roughly 12% year‑over‑year despite a modest 5% rise in loan volume. Residential mortgage‑backed securities (MBS) holdings saw a sharp decline, while demand for non‑agency, GSE‑eligible loans surged. Banks turned to stablecoin‑based...
Mortgage investors are bracing for short‑term disruption as major credit bureaus roll out next‑generation scoring models that incorporate alternative data and machine‑learning algorithms. The new frameworks promise finer risk granularity but also introduce uncertainty around model validation, regulatory approval, and...
Industry analysts warn that moving away from the established tri‑merge securitization framework could introduce significant operational and liquidity risks for mortgage lenders. The tri‑merge process, which bundles GSE‑eligible loans from multiple originators, has underpinned stable funding flows for years. A...
Redwood introduced an expanded‑credit mortgage‑backed security, widening the pool of agency‑eligible assets as banks see their residential MBS holdings dip in Q4. Mortgage servicing rights (MSRs) are now being offered directly, reflecting heightened M&A activity that is reshaping the conventional...
My unsolicited comms advice: if you're going to go on at length about making it more "efficient" to move money to places like Venezuela (sanctions risk) and Colombia (narcotrafficking/money laundering risk), also explain how (if?) you mitigate these risks. https://t.co/rN8g9ibBhf
Risk says "model risk." Tech says "ML system." Compliance says "automated decision tool." Legal says "algorithm." US Treasury just fixed this: AI Lexicon + Risk Framework for financial services. 230 control objectives. NIST-adapted. "Treasury releases AI lexicon and sector-specific risk framework"...
Stablecore has joined Jack Henry’s Fintech Integration Network, allowing its stablecoin and digital‑asset services to be delivered through the Banno digital‑banking platform used by over 1,000 banks and credit unions. The integration adds tokenized deposits, asset management and digital‑asset‑backed lending...
CPI Card Group announced that CFO Jeffrey Hochstadt will leave the role on Feb. 13, with senior vice president Terra Grantham stepping in as interim CFO. The transition occurs just weeks before the company’s Q4 and full‑year earnings release scheduled for...
Sebi chair Tuhin Kanta Pandey announced a sweeping review of portfolio‑management‑services (PMS) regulations, citing the sector’s Rs 10.5 lakh‑crore asset base and 17% CAGR growth. The draft overhaul will prioritize investor suitability, governance, and technology, with a public consultation slated before the...
This Week in Fraud (2/17) https://t.co/DeKt9G8P3d "2026 identity fraud is more sniper than shotgun" Great stuff from Nick. https://t.co/eNakT4O4Fd
Stripe's stablecoin subsidiary Bridge has dropped support for ultra high-risk jurisdictions it supported as recently as Dec 2025, including Russia, Lebanon, Libya, Gaza, and South Sudan, new analysis of the company's documentation shows: https://t.co/zRVzXKZPsu
Klarna has partnered with Canadian furniture retailer Article to offer buy‑now‑pay‑later at checkout. Payments platform WanderWallet launched a QR‑code based service in Bolivia, targeting local payment habits. Gift‑card provider Tillo will now reward childcare spending through the Kindo platform. SignaPay...
Playing catch up is not a strategy. The institutions that outperform are investing in tech skills, data infrastructure, and AI readiness. Get the roadmap in 2026 Retail Banking Trends and Priorities. Download here: https://t.co/oO8kYW1VHc https://t.co/p6BAG6Si63
The European Central Bank has launched a focused inquiry into banks’ exposure to the artificial‑intelligence sector, requesting detailed loan information on data‑center financing and related AI firms. Parallel workshops are probing how banks deploy generative AI, covering governance, business models...
Deutsche Boerse's record deal for Allfunds sends shares higher https://t.co/CzVp47tiwL It is an ecosystem play for a Tokenized future. My analysis https://t.co/GcECatMsVJ https://t.co/V39EtHorCX
Ya'll realize people (and businesses) still use... paper checks, right? User payment preferences are rarely about fees. Will the AI agents get rewards for using a Colossuspay card? If not, why would their human switch from rewards CC? Bc it helps...
Bharti Airtel announced a ₹20,000 crore capital infusion into its non‑banking financial company arm, Airtel Money, to accelerate its digital finance push. The funding is expected to expand the company’s payments, credit and savings offerings across its telecom customer base. Following...
As we see nonbanks getting more and more involved in lending, payments, holding funds, etc. you’re going to see a lot more money laundering, breaches, and data selling with very little regulatory authority to fine or discipline.
Malaysia’s banking sector is poised for further gains despite a recent rally, according to AmInvestment Bank analyst Paul Yap. He cites continued buying from local and foreign investors and relatively attractive valuations versus Singapore peers as key drivers. The note...
The SEC’s Division of Trading and Markets issued guidance allowing broker‑dealers to apply a 2% haircut to proprietary holdings of payment stablecoins when calculating net capital. Previously many firms used a 100% haircut, effectively excluding stablecoins from regulatory capital. By...
Canada’s Big Six banks are kicking off first‑quarter earnings with analysts forecasting solid capital‑markets and wealth‑management revenue, positive operating leverage and contained credit losses. Return‑on‑equity expansion is highlighted as the key upside catalyst, with many institutions already raising FY2025 targets....
The European Banking Authority released a follow‑up to its 2022 peer‑review on ICT risk assessment under the Supervisory Review and Evaluation Process (SREP). The report finds that competent authorities have markedly strengthened ICT risk supervision, largely due to the Digital...
Beyond stablecoins, DeFi orchestration is next. Companies like Glider offer API-first portfolio tools, allowing automated asset allocation and rebalancing. Set your split, fund it, and let it manage itself. https://t.co/eWaj7x6jbZ
