Banks ne Q3FY26 ke liye apni earnings mein kaafi sudhaar bataya hai, jo ki badhti hui credit growth se chalit hai. Reserve Bank of India dwara Cash Reserve Ratio (CRR) mein 100 basis point ki kami karke lagbhag ₹2.5 lakh crore ki liquidity release karne ke faisle ne bank profitability ko support kiya hai.
HDFC Bank ne Q3FY26 mein ₹19,807 crore ka consolidated profit report kiya, jo pichhle saal ki tulna mein 12.17% zyada hai. Iski net interest income 6.4% badhkar ₹32,600 crore ho gayi, aur net interest margin 3.35% par sthir raha. Bank ne 'bahut encouraging' credit growth bataya jo quarter mein 11.9% badhi, aur kaha ki CRR release se ummeed se zyada credit deploy karne mein madad mili.
Private sector lender YES Bank ne Q3FY26 mein 55% ka profit surge report kiya, jo ₹952 crore raha, pichhle saal ₹612 crore tha. Net interest income 10.9% badhkar ₹2,466 crore ho gaya, jismein net interest margin 2.6% tha. Halanki, MD aur CEO Prashant Kumar ne naye loans ko lekar thodi savdhani jatayi, unhone kaha ki loan growth, jo YoY 5.2% hai, system ke mukable peeche chal rahi hai. Iske reasons corporate loans mein tez pricing competition aur high funding costs ki wajah se home aur auto loans mein kam profitability hain.
Government-owned UCO Bank ne Q3FY26 ke liye net profit mein 15.65% ka izafa bataya, jo ₹739 crore raha, jabki Q3FY25 mein yeh ₹639 crore tha. Net interest income 11.27% badhkar ₹2,646 crore ho gaya. Bank ke advances mein robust growth dikhi, jo YoY 16.74% badhe. MD aur CEO Ashwani Kumar ne confirm kiya ki lender FY26 ke liye 12-14% ki credit guidance par track par hai. UCO Bank, jismein sarkari hissadari 90.95% hai, potential equity dilution measures par aage clarity ka intezaar kar rahi hai.
RBI Liquidity Surge Fuels Bank Profits Amidst Q3FY26 Credit Boom
BANKINGFINANCE
Overview
Indian banks ne Q3FY26 mein badhiya earnings report ki hain, jiska credit growth aur Reserve Bank of India ki liquidity injection main reason raha. 100 basis point CRR cut se ₹2.5 lakh crore release hue, jisse banks ka profit badha. HDFC Bank ka profit 12.17% badha, YES Bank ka 55%, aur UCO Bank ka 15.65%, sector mein loans ki tez raftaar dikhi.
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