It excludes loans for business purposes, rediscounted loans, loans secured by real estate, and wholesale and lease financing. |
Being a new bank, having a large share of assets in loans, and having a large share of loans rediscounted decreases the expected time until the bank fails. |
Gross credit data include bills rediscounted with the Reserve Bank of India, Industrial Development Bank of India, Exim Bank and other approved financial institutions. |
Gross bank credit data include bills rediscounted with the Reserve Bank, Exim Bank, other financial institutions and inter-bank participations. |