尽管面临全球性挑战,但印度银行的信贷增长仍达到11.5%-12.5%-12.5%,基本面强,风险低。 Indian banks to see 11.5%-12.5% credit growth despite global challenges, with strong fundamentals and low risk exposure.

印度银行在未来两个财政年度将稳定信贷增长11.5%至12.5%, Indian banks are set for steady credit growth of 11.5%–12.5% over the next two fiscal years despite global economic headwinds, according to S&P Global Ratings. 国内基本面强,易受脆弱部门影响的程度低(只有2%的纺织品和宝石/珠宝贷款),以及强大的企业去杠杆化支持复原力。 Strong domestic fundamentals, low exposure to vulnerable sectors (just 2% of loans in textiles and gems/jewelry), and robust corporate deleveraging support resilience. 虽然由于无担保零售贷款和中小企业贷款的压力,信贷成本预计将增至80-90个基点,但银行完全有能力吸收损失,预拨备抵前利润仍然强劲。 While credit costs are expected to rise to 80–90 basis points due to stress in unsecured retail and SME loans, banks are well-positioned to absorb losses, with pre-provision profits remaining strong. 由于外部借款少和广泛的套期保值,卢比贬值产生的影响有限。 The rupee’s depreciation has limited impact due to low external borrowing and widespread hedging. 预计利润将保持在平均水平以上,尽管净利差可能略微压缩到大约3.4%。 Profitability is expected to stay above average, though net interest margins may slightly compress to around 3.4%.