• Latest
  • Trending
Data Story: SBI Q3FY25 Financials

Strong credit growth to lift bank performance in Q3

LTM reports Q1 FY27 profit of ₹1,469 crore, revenue grows 18%

LTM reports Q1 FY27 profit of ₹1,469 crore, revenue grows 18%

TAC InfoSec posts record Q1 FY27 results, profit surges 137%

TAC InfoSec posts record Q1 FY27 results, profit surges 137%

Equity mutual fund inflows jump 26.5% in June

Equity mutual fund inflows jump 26.5% in June

TCS Q1 FY27: $9.5 billion deal wins, AI growth drive steady performance

TCS Q1 FY27: $9.5 billion deal wins, AI growth drive steady performance

Apollo Micro Systems eyes ₹2,500 crore buyout of premier explosives

Apollo Micro Systems eyes ₹2,500 crore buyout of premier explosives

Dixon Technologies to own 51% in new Vivo manufacturing venture

Dixon Technologies to own 51% in new Vivo manufacturing venture

L&T Finance Q1 PAT rises 29% to ₹902 crore; retail disbursements jump 36%

L&T Finance Q1 PAT rises 29% to ₹902 crore; retail disbursements jump 36%

Precious metals rebound as Fed uncertainty lingers; Crude oil corrects

Precious metals rebound as Fed uncertainty lingers; Crude oil corrects

Commodities outlook: Gold up, oil under pressure

Commodities outlook: Gold up, oil under pressure

Cognizant to scale Frontier AI workforce to 15,000, targets stronger enterprise AI outcomes

Cognizant to scale Frontier AI workforce to 15,000, targets stronger enterprise AI outcomes

Demat account openings hit four-month high in June

Demat account openings hit four-month high in June

JSW Steel reports consolidated crude steel production of 6.59 million tonnes for Q1 FY27

JSW Steel reports consolidated crude steel production of 6.59 million tonnes for Q1 FY27

  • Market
  • Commodity
  • Personal Finance
  • Data Story
  • News
  • Contact Us
Sunday, July 12, 2026
  • Login
Data Biz Times
No Result
View All Result
Data Biz Times
No Result
View All Result

Strong credit growth to lift bank performance in Q3

in Data Story, Market
Reading Time: 4 mins read
0
Data Story: SBI Q3FY25 Financials
Share on FacebookShare on Twitter

Athira Sethu

Kochi, 7 Jan 2026

Indian banks are expected to show a clear recovery in the third quarter of FY26, according to a preview by JM Financial. After a weak first half of the year, the sector is likely to benefit from stronger loan growth, easing pressure on funding costs, and improving asset quality. Better collection trends and moderating stress in unsecured loans are also expected to support overall performance during the quarter.

Overall Banking Sector Snapshot Q3 FY26 (JM Financial Universe)

MetricQ3 FY26 EstimateQ2 FY26
Credit Growth YoY11.8%11.1%
Deposit Growth YoY10.2%10.4%
Credit Deposit Ratio~85%~84%
Net Interest Margin3.1%3.2%
Credit Cost0.6%0.6%

Loan Growth Outlook by Bank Category (QoQ)

Bank CategoryExpected Loan Growth
Large Banks3.5% to 4.5%
Mid-sized Banks5% to 7.5%
Small Finance Banks5% to 7.5%

Deposit Growth Trends (YoY)

Bank TypeDeposit Growth
Public Sector Banks9.4%
Private Sector Banks10.9%
System Average~10.2%

Net Interest Margin Trend

SegmentQ3 FY26 NIM Trend
Large BanksLargely stable
Mid-sized BanksSlight improvement
SFBsModest improvement

Asset Quality and Credit Costs

MetricQ3 FY26 Estimate
System Credit Cost0.6%
Large Banks Credit Cost~0.5%
Trend in SlippagesDeclining
Unsecured Loan StressModerating

Credit Cost Improvement in Select SFBs

BankQ2 FY26Q3 FY26 Estimate
AU Small Finance Bank1.7%1.4%
Ujjivan SFB2.8%1.9%
Equitas SFB2.3%2.0%

Profitability Indicators (JM Financial Universe)

MetricQ3 FY26 EstimateQ2 FY26
Net Interest Income Growth YoY4.7%2.9%
PPoP Growth YoY12.8%—
PAT Growth YoY0.3%Negative
Return on Assets1.3%—
Return on Equity12.5%—

Return on Assets by Bank Type

BankExpected RoA
HDFC Bank1.8%
ICICI Bank2.2%
State Bank of India0.9%
AU Small Finance Bank1.5%
Ujjivan SFB1.4%

Key Business Monitorables for Q3

AreaWhat to Watch
Credit GrowthSustainability of loan momentum
DepositsRetail mobilisation and repricing
MarginsImpact of CRR cuts and rate transmission
Asset QualityCollection efficiency and slippages
LiquidityCD ratio and funding conditions

Related Posts

Equity mutual fund inflows jump 26.5% in June

Equity mutual fund inflows jump 26.5% in June

0

Athira Sethu Kochi, 11 July 2026 Equity mutual fund inflows rebounded sharply in June 2026, with investors stepping up allocations...

Apollo Micro Systems eyes ₹2,500 crore buyout of premier explosives

Apollo Micro Systems eyes ₹2,500 crore buyout of premier explosives

0

Athira Sethu Kochi, 10 July 2026 Defence equipment manufacturer Apollo Micro Systems is reportedly close to acquiring Premier Explosives in...

Precious metals rebound as Fed uncertainty lingers; Crude oil corrects

Precious metals rebound as Fed uncertainty lingers; Crude oil corrects

0

DBT Bureau Pune, 10 July 2026 Gold prices rebounded sharply, settling 1.11% higher at ₹145,300 as a slightly weaker U.S....

Demat account openings hit four-month high in June

Demat account openings hit four-month high in June

0

Athira Sethu Kochi, 9 July 2026 Retail participation in the stock market gathered momentum in June as rising equity markets...

LTM reports Q1 FY27 profit of ₹1,469 crore, revenue grows 18%
News

LTM reports Q1 FY27 profit of ₹1,469 crore, revenue grows 18%

0

DBT Bureau Pune, 11 July 2026 LTM, the technology services company, reported a strong financial performance for the first quarter...

Read moreDetails
TAC InfoSec posts record Q1 FY27 results, profit surges 137%
News

TAC InfoSec posts record Q1 FY27 results, profit surges 137%

0

DBT Bureau Pune, 11 July 2026 TAC InfoSec Reports Record Q1 FY27 Results; Income Jumps 97%, PAT Surges 137% as AI Boom Strengthens Cybersecurity Demand Amid global concerns over whether the AI boom is sustainable, TAC Security converted rising AI-led cybersecurity demand into record quarterly growth. Total Income grows 33.3% QoQ to...

Read moreDetails
Equity mutual fund inflows jump 26.5% in June
Market

Equity mutual fund inflows jump 26.5% in June

0

Athira Sethu Kochi, 11 July 2026 Equity mutual fund inflows rebounded sharply in June 2026, with investors stepping up allocations...

Read moreDetails
TCS Q1 FY27: $9.5 billion deal wins, AI growth drive steady performance
News

TCS Q1 FY27: $9.5 billion deal wins, AI growth drive steady performance

0

DBT Bureau Pune, 11 July 2026 Tata Consultancy Services reported its consolidated financial results according to IFRS, for the quarter...

Read moreDetails
DBT Bureau

Data Biz Times © 2024. All Rights Reserved.

Navigate Site

  • Media Release
  • Blog
  • Contact Us
  • Privacy Policy

Follow Us

Welcome Back!

Login to your account below

Forgotten Password?

Retrieve your password

Please enter your username or email address to reset your password.

Log In

Add New Playlist

No Result
View All Result
  • Market
  • News
  • Data Story
  • Business
  • Media Release
  • Tech
  • Contact Us

Data Biz Times © 2024. All Rights Reserved.