Net Interest Margin (nim)

According to Ace Equity data, state-owned lenders have seen a 6-60 bps reduction in NIMs between Q4FY25 and Q2FY26. Similarly, private banks saw a reduction in NIMs of 6-41 bps, and small finance banks by 10-8 bps.

Why should investors consider DCB Bank despite a sharp post-earnings rally?

The bank is poised for a healthy loan growth and margin expansion, which should drive healthy earnings growth

HDFC Bank Q2 FY26: Will earnings mirror the pick-up in loan growth?

The bank’s return ratios are healthy and the stock valuation is reasonable

Treasury gains propel SBI profit in Q1 FY26

The bank’s valuation remains the main attraction

ICICI Bank Q1 FY26: Steady show; will the re-rating continue?

The bank has shown consistent performance in the past many quarters, amid sectoral concerns like slowing loan growth, muted deposit growth, tight liquidity, asset quality pressure, and tightened regulatory norms

South India Bank to face pressure on NIMs amid RBI’s rate cut: CEO Seshadri

The bank expect majority of growth coming from retail, loan against property, housing, MSME business in upcoming quarters, which will help bank to grow advances book by more than 12 percent, Seshadri said.

SBI – Steady show in FY25, offers favourable risk-reward

Profit growth aided by healthy loan growth, controlled operating expenses, and contained credit cost even as margin contracted

Banks fear potential hit on margins amid chance of more RBI rate cuts in FY26

There is a growing consensus among market participants that the RBI will cut more rates in the coming policies, in order to support growth amid a tariff war, with a cooling inflation providing the elbow room for lower rates.

Improved ratings, cheap NHB funds helped bring down borrowing cost, says PNB Housing Finance CEO Girish Kousgi

The NBFC company will be is able to maintain the margin at 3.6 to 3.65 percent over the next few quarters, says Kousgi

Kotak Mahindra Bank’s NIM shrinks in Q2, as lender says secured loan book grew, IPO funds added pressure

The proportion of Kotak Mahindra Bank's unsecured loans -- personal loans and unsecured loans, which typically carry higher yields, declined during the quarter, while the secured loan book grew significantly.

ICICI Bank Q1 FY25: consistent performance, re-rating to continue

Profit surge aided by a growth in advances, contained operating expenses, and a decline in credit costs

Canara Bank's NIM in FY25 will be higher than guidance, says CEO K Satyanarayana Raju

In an interview with Moneycontrol, Raju said Canara Robeco Asset Management Company’s public issue will take place in the last quarter of this financial year.

CSB Bank’s subdued show in Q4 is just a blip

The bank hugely benefits from a gold loan portfolio that has higher yields, low credit costs, and lower risk weights

ICICI Bank FY24 – steady show, re-rating to continue

The surge in profit was aided by the growth in advances and a decline in credit costs

HDFC Bank: Q4 indicates preference for profitability over growth

In the medium to long term, earnings growth is likely to rebound as margins are expected to expand gradually as the bank replaces market borrowings with low-cost deposits

Analysts say HDFC Bank Q4 numbers in line with expectations but pressure seen on NIMs

The lender’s net interest margin (NIM) has fallen from 4.1 percent in June 2023 to 3.4 percent in March 2024.

HDFC Bank – Deposit growth holds the key to stock re-rating

Earnings growth is likely to bounce back as margins are expected to expand gradually

Wage provisions mar SBI’s Q2 earnings; still it’s a worthy bet

Given its sheer size, market share, improved return ratios and favourable asset quality cycle, SBI should command higher than its long-term average valuation multiple

Is ICICI Bank’s profit surge in Q2 FY24 sustainable?

Compared to its peer, ICICI bank has far better margins, relatively higher earnings growth, and a strong contingent provision buffer

HDFC Bank falters on profit growth in the first quarter, post merger

The long-term profitability picture will only be clear once the merger dynamics fully play out

HDFC Bank’s strong business growth is positive amid the merger blues

Profitability may take a hit in the near term, but next fiscal the bank can positively surprise the Street

Creditaccess Grameen June quarter net profit jumps 151 percent on higher loan sales, better asset quality

The overall loan book of the Bengaluru-based lender grew 39.7 per cent to Rs 21,814 crore from Rs 15,615 crore a year ago, the bank said in a statement and attributed the same to a 20 per cent increase (3.28 lakh new customers) in the borrower base and better collection efficiency, which rose to 98.7 per cent.

RBL Bank aims to expand NIMs; credit cards, MFIs to outpace overall loan book growth

The bank had reported an expansion in NIMs to over 5 percent in the March quarter, in line with the industry trend.

Two-speed transmission of rate hikes could squeeze lender margins in FY24

With a large pile of deposits repriced higher and no scope to bring them down, banks have little elbow room to improve margins. In fact, margins would feel the squeeze. For NBFCs, it is tougher.

SBI: Firing on all cylinders, offers best risk-reward

Profit performance aided by a strong loan growth, higher margins, and a sharp fall in provisions