印度公共部门银行的贷款增长自2010年以来首次超过私人银行,其动力是强劲的需求和更好的金融管理。 Indian public sector banks outpaced private banks in loan growth for the first time since 2010, driven by strong demand and better financial management.

印度公共部门银行(PSBs)在25财政年度实现了12.2%的逐年贷款增长,自2010年以来首次超过私人银行,其驱动因素是更强劲的信贷需求、分行扩张和家庭存款增加。 Indian public sector banks (PSBs) achieved 12.2% year-on-year loan growth in FY25, surpassing private banks for the first time since 2010, driven by stronger credit demand, branch expansion, and higher household deposits. 尽管存款市场份额略有下降,但主要附属机构保持了更好的流动性,提高了资产质量,并通过从注销账户中收回款项以及保险和共同基金销售的非利息收入不断增加,提高了盈利能力。 Despite a slight drop in deposit market share, PSBs maintained better liquidity, improved asset quality, and boosted profitability through recoveries from written-off accounts and growing non-interest income from insurance and mutual fund sales. 它们比私人银行更好地管理净利率差价压力,因为受外部基准贷款影响较小,存款调值较慢,预计还会进一步稳定。 They managed net interest margin pressures better than private banks due to lower exposure to external benchmark loans and slower deposit repricing, with further stability expected. CRISIL预测26财政年度全部门信贷增长11%-12%,得到RBI流动性措施和政府政策的支持。 CRISIL forecasts 11%–12% sector-wide credit growth in FY26, supported by RBI liquidity measures and government policies.