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Summary: Mumbai (Maharashtra) [India] July 25 (ANI): The Indian government's partial credit guarantee on asset purchases from non-bank lenders
will ease funding pressure on the non-bank sector in the short term, Fitch Ratings said on Thursday but added that it does not address investors' long-term concerns about the sector's exposure to stressed real estate.
We expect specialist lenders with a focus on high-cost unsecured consumer lending to adapt their business models towards more moderately priced, instalment-based lending aimed at safer borrowers, which will bring them increasingly into competition with banks and more established non-bank lenders
. Lower lending rates will increase the importance of cost control to protect margins, and some, more established lenders may consider seeking a banking licence so that they can finance themselves more cheaply with deposits, and offer other lending products.
DLA Piper (Birmingham) Eversheds Sutherland (International) LLP (Birmingham) Gowling WLG (Birmingham) Pinsent Masons (Birmingham) 1 2 Gateley Plc (Birmingham) Shakespeare Martineau LLP (Birmingham) 3 Browne Jacobson LLP (Birmingham) Freeths LLP (Birmingham) Irwin Mitchell (Birmingham) Mills & Reeve LLP (Birmingham) Shoosmiths LLP (Birmingham) Squire Patton Boggs (Birmingham) Wright Hassall LLP (Birmingham) Aaron & Partners LLP (Shrewsbury) DWF LLP (Birmingham) George Green LLP (Wolverhampton) 4 DLA Piper UK LLP, which represents both bank and non-bank lenders
as well as corporate borrowers, 'provides a full end-to-end service, allowing clients to focus on the commercial aspects of the deal'.
The move comes amid concerns surrounding the availability of funds following a liquidity squeeze and the difficulties being faced by non-bank lenders
, especially those facing asset liability issues due to heavy reliance on short term funding for long term assets.
Among the most troubling: corporate borrowers and so-called non-bank lenders
all over the world.
The primary headwind is weaker CRE loan growth as non-bank lenders
remain highly aggressive with both price and terms, the analyst added.
She has represented major financial institutions and specialty non-bank lenders
, as well as borrowers across a wide range of industries.
Entrepreneurs can apply to the Fund through authorized banks and non-bank lenders
, in accordance with the rules for using the funds of the NFES.
Larger non-bank lenders
are to benefit from increasing international funding at a time when macro challenges and stricter bank regulation are headwinds.
CardWorks, with over USD 3.5bn in assets, is a consumer lender, merchant acquiring bank, and loan servicer to regulated financial institutions and non-bank lenders