Arnab Pandey is a capital markets analyst, banking strategist, a nationally awarded debater, an internationally acclaimed researcher, and a passionate blogger. He is also a public speaker and loves to mentor college students and teenagers.
The health of U.S. consumers is increasingly complex due to the rise of private credit, which is set to grow to nearly $140 billion in lending. This shift complicates traditional assessments, as banks focus on higher-credit borrowers, causing fragmentation and uncertainty in consumer spending patterns and credit availability. … More The Consumer Credit Picture Is Getting Harder to See
Investors added about US$105 billion to U.S. money-market funds recently, indicating a preference for safe assets ahead of the Fed’s decisions. Bank deposits remain strong at approximately US$18.53 trillion. The emergence of stablecoins and new blockchain-based banking models signifies a shift in liquidity and funding dynamics leading up to 2026. … More Liquidity, Deposits & the Rise of Digital-Native Banking — What December 2025 Is Showing Us
In the third quarter, the banking sector experienced improved net interest margins, the highest since 2019. Asset repricing, stable credit spreads, and a shift in asset mixes contributed to this. Deposit costs showed signs of stabilization, with increased deposit fees noted. Future margins will depend on policy easing and market dynamics. … More Loan Yields Push Margins to New Highs — Even as Funding Headwinds Persist
I would like to start my blog today with a small wish to each and every father in this world, who works very hard their entire life to give their child a better future – Happy Father’s Day. Nowadays it is very common to see blurbs in every corner of social media when there is … More My Dad- My Silent Support.
Arnab Pandey 