印度银行的利润会因贷款增长、成本降低和不良贷款减少而增加,预计到2026年中期将获得全部收益。 Indian bank profits to rise due to loan growth, lower costs, and falling bad loans, with full benefits expected by mid-2026.

预计未来季度印度银行的盈利能力将得到改善,原因是贷款增长强劲,存款重新定价的利息费用降低,对CRR的要求降低,信贷损失减少,特别是无担保贷款的损失减少。 Indian bank profitability is expected to improve in coming quarters due to stronger loan growth, lower interest expenses from deposit repricing, reduced CRR requirements, and declining credit losses, particularly in unsecured lending. 到2025年10月,贷款增长率年同比达到11.4%,由全球战略支出的削减和喜庆需求推动,而存款增长率滞后9.9%。 Loan growth reached 11.4% year-on-year by October 2025, boosted by a GST cut and festive demand, while deposit growth of 9.9% lagged. 在26财政年度初期,净利差可能保持平缓或略有下降,但如果不再进一步削减利率,预计第四季度将稳定和上升。 Net Interest Margins may remain flat or dip slightly in early FY26 but are projected to stabilize and rise from the fourth quarter if no further rate cuts occur. 2025年7月至9月季度的利润超过了预期,原因是信贷扩张增加、准备金减少和收费收入增加。 Profitability in the July-September 2025 quarter exceeded expectations, driven by higher credit expansion, lower provisions, and fee income gains. 预计到26财政年度中将获得存款重新估值的全部好处,以此支持收回差值。 The full benefits of deposit repricing are expected by mid-FY26, supporting margin recovery.