In my opinion, neither approach is sustainable in the long run. Improving bottom lines and preserving NIMs are the primary motives for the bank management, while making banking services accessible and the transactions affordable, has reduced to being a regulatory agenda. 19.
With respect to the factors affecting the outlook, the downward pressure on domestic prices induced by the decline in import prices is weakening. In addition, the expansion in the output gap in the economy is expected to slow in line with the implementation of the comprehensive economic stimulus package.