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CASA ratio and cost of funds
Track the share of low-cost deposits and the cost of funds each quarter.
Finance & unit economicsBanking & financial services
How it's worked out
- CASA = (current + savings) ÷ total deposits. Cost of funds = interest paid ÷ (deposits + borrowings)
- Average balances for the year
NoteA higher CASA share lowers cost of funds but these deposits can move faster in stress; read it with the liquidity coverage ratio.
Source: RBI and bank annual report definitions
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