Architecting the Future of Deposits: A Banker's Guide to Resilient Liability Management Beyond CASA

For decades, the Indian banking industry operated on a set of foundational truths. At the centre of this playbook was the Current Account Savings Account (CASA) ratio—a simple, powerful metric that served as the ultimate barometer of a bank's health, stability, and profitability. A strong CASA base was the bedrock of low-cost funds, enabling predictable margins and fuelling steady credit growth. This model was reliable, consistent, and deeply ingrained in the strategic thinking of every banking leader.

Today, that bedrock is fracturing.

The passive collection of low-cost deposits is no longer a viable strategy. The future belongs to the architects—the leaders who can proactively design a resilient, profitable, and customer-obsessed liability franchise.

This book is your blueprint. Based on the insights of a masterclass session with a veteran banking leader, this guide provides a powerful framework for navigating the new financial landscape. You will learn to leverage data analytics, drive product innovation, and forge deep customer relationships to build a balance sheet that is truly future-proof.

For the banking professional ready to move beyond convention and lead the next wave of growth, this guide is indispensable.

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