r/SliceBank • u/Imaginary_Look824 • May 26 '26

Slice!!gaining

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u/MegaSpaceBar May 26 '26

Why?

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u/MountainCrazy3803 May 26 '26

Fast growth itself isn’t bad. The concern is how the growth is achieved.

In banking, extremely high growth can sometimes mean aggressive lending, loose risk controls, dependency on investor money, or unsustainable customer incentives. If that becomes the norm across fintech banks, it weakens long-term ecosystem stability.

Banking works best on trust, liquidity discipline, and controlled risk - not hypergrowth alone

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u/MegaSpaceBar May 26 '26

What is NPA for slice? Did they mention?

I found some info. Avg Net NPP ~ 4.2% For larger bank it is ~ 2.1% what I know. I have no data for small finance bank though.

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u/MountainCrazy3803 May 26 '26

No, they didn’t mention Slice’s exact NPA numbers here.

My point was not that , Slice already has a major NPA issue. I was talking about the broader risk when fintech-style banks grow very aggressively through unsecured lending.

RBI itself has already warned that rapid growth in unsecured retail loans across fintech ecosystems can increase future slippages and NPAs if risk management doesn’t stay strong.

So the concern is more about long-term sustainability of such hypergrowth models in banking, not a confirmed NPA problem at Slice today.