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SBI's credit growth continues to be robust: Setty
Business Standard
|February 07, 2025
Net interest income (NII) grew 4.09 per cent Y-o-Y to ₹41,446 crore in Q3FY25, compared to ₹39,816 crore in the year-ago quarter.
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Sequentially, NII remained flat at ₹41,620 crore.
Margins came under pressure, with the net interest margin (NIM) declining to 3.01 per cent in Q3FY25, against 3.22 per cent in the same period a year ago. Sequentially, NIM was down from 3.15 per cent in Q2FY25.
The yield on advances in domestic operations was almost flat at 8.88 per cent in Q3, while the cost of deposits increased to 5.07 per cent in Q3FY25 from 4.75 per cent in Q3FY24 and 5.03 per cent in Q2FY25.
With the Reserve Bank of India likely to cut interest rates, and with 28 per cent of SBI's loans linked to external benchmarks, margins could be under pressure as deposit rate repricing comes with a lag.
Dit verhaal komt uit de February 07, 2025-editie van Business Standard.
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