ICICI Bank plans to focus more on increasing its home and car loan portfolios in the coming months and stated that its rates are competitive in the industry. However, the impact of drought in some parts of the country is yet to be evaluated which might have an impact on the banking industry as well if consumer demand is affected. Additionally, the regulators have to be in line with the innovations in the market and also be ahead of the curve to face the challenges in the system while the organizations have to take into account future risks while shaping the risk management tools than simply assessing past risks.
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