印度公共部门银行预计尽管企业贷款疲软,但零售,农业和小微企业贷款的增长将强,资产质量稳定,国有贷款额度有所下降. Indian public sector banks expect strong retail, agriculture, and MSME loan growth despite weak corporate lending, with stable asset quality and moderate NIM decline.

预计印度公共部门银行在零售、农业和中小型和微型企业贷款的驱动下,将出现强劲的贷款增长,尽管由于资本市场的干扰,公司贷款需求疲软。 Indian public sector banks are projected to see strong loan growth driven by retail, agriculture, and MSME lending, despite weak corporate loan demand due to capital market disintermediation. BB和Canara等银行的增长率预计将在2.5%至4%之间,而Union Bank的增长率则滞后。 Banks like SBI, BoB, and Canara are expected to report growth between 2.5% and 4%, with Union Bank lagging. 净利差可能略有下降,而资产质量则保持稳定,没有出现重大滑坡。 Net interest margins may decline moderately, while asset quality remains stable with no major slippages. 印度央行和印度银行可能会维持ROA在1%以上, 支持核心收入, 印度国民银行可能会因税收降低而有所改善. SBI and BoB are likely to maintain RoA above 1%, supported by core income, and PNB may see improvement due to lower taxes. PSU银行指数在6个月中比私人银行的业绩高出近15%。 The PSU Bank Index has outperformed private banks by nearly 15% over six months. PSB净利息收入增长在26财政年度第1季度为负数,而大多数私人银行的单位数收益很低,但HDFC和ICICI除外。 PSB net interest income growth was flat to negative in Q1 FY26, while most private banks saw low single-digit gains, except HDFC and ICICI.