Economy Quote by Rakesh Jhunjhunwala
“My personal opinion is that when the economy does well, anybody who has a deposit franchise will survive and grow because how can you lend if you do not have a deposit franchise?”
About This Quote
Source Interview: Business Outlook, 2020
Economic health supports deposit‑based banks; without deposits they cannot lend, so they struggle to survive and expand.
In simple terms: Banks need deposits to lend and grow.
Key Takeaway
Maintain strong deposit bases.
Themes
banking
economics
liquidity
Mood
cautious
analytical
Type
financial
strategic
When to use this quote
- Retail banking
- loan issuance
- financial planning
- growth strategy
Key Concepts
Deposit franchise
lending capacity
risk management
Questions to Reflect On
- How can banks diversify funding beyond deposits?
- What alternative liquidity sources exist?
A Different Perspective
Deposit shortages can limit lending despite a strong economy.
