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    <title>BANKING MEASURES IN CURRENT ECONOMIC SCENARIO</title>
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    <description>Reserve Bank rate hikes intended to curb inflation risk denting growth and may fail while commodity-driven price pressures persist; freeing savings deposit rates and removing home-loan prepayment penalties will raise banks&#039; funding costs, compress net interest margins-particularly at public sector banks-and shift pressures onto lending rates, fees or minimum-balance requirements, while targeted tools and supply-side measures are needed in addition to monetary policy.</description>
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