Axis Securities ki latest report mein banking sector ka jalwa dikh raha hai. HDFC Bank se lekar Bajaj Finance tak, sabhi ne tagda credit aur deposit growth show kiya hai, lekin rising funding costs par nazar rakhna zaroori hai.
Banking Sector Q2 Performance: Report Card Out!
Axis Securities ne Q2FY27 ke liye banking sector ka provisional report card release kar diya hai. Data saaf bata raha hai ki banks aur NBFCs ka credit aur deposit growth full swing mein hai.
Sector ke Highlights
- HDFC Bank: Deposits ₹33,275 Bn tak pahunch gaye hain, jo 18.8% YoY jump hai. Saath hi, Anup Bagchi ke MD & CEO banne se leadership clarity bhi aa gayi hai.
- Bajaj Finance: Company ne ₹175 Bn ka capital raise announce kiya hai taaki 26.5% YoY ki AUM growth ko aur boost mil sake.
- Small Finance Banks (SFBs): Ujjivan aur Equitas retail segment mein chhaaye hue hain, jahan disbursement mein 33.1% aur 38.7% YoY ki badhotari dekhi gayi hai.
- Bank of Baroda: Yahan advances mein 18.3% YoY ki growth rahi aur bank ne $8 Bn ka FCNR(B) deposit bhi mobilised kiya hai.
Investors ke liye Reality Check
Sab kuch green nahi hai! Funding costs badhne ki wajah se net interest margins par pressure dikh sakta hai. Investors ko earnings season mein bottom-line profitability par close watch rakhni hogi. Bandhan Bank ka growth thoda slow hua hai, jo management ke targets se peeche hai, toh wahan thoda caution zaroori hai.
Overall asset quality abhi control mein hai aur GNPA levels stable dikh rahe hain, jo ki banking sector ke liye ek positive sign hai.