China’s credit expansion cooled dramatically in April, running far below forecasts as both banks and households pulled back. A broad financing gauge rose under 630 billion yuan, versus roughly 1.2 trillion a year earlier, and new loans actually contracted. The biggest shock: households net repaid 786.9 billion yuan, the largest amount since 2010, with both medium and short-term borrowing dropping. Analysts warn the move could end the fixed-asset investment rebound, keeping domestic demand subdued.
UAE bank lending is slowing as lenders grow more cautious amid the Iran conflict. Real estate and construction companies are struggling to secure fresh credit, while banks boost provisions to cover rising risk. With tighter underwriting and slower approvals, some businesses are turning to private lenders to keep projects moving.
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Bank lending to non-banking finance companies surged 26% in the previous fiscal year, the fastest pace expected into FY26. The jump is linked to the Reserve Bank of India easing risk weights, making NBFC exposures less capital-intensive for banks. Looser regulatory norms and lower lending rates further boosted financing demand, reshaping credit flows.
Bank lending against jewellery has jumped nearly fivefold to ₹4.6 lakh crore by end-March, up from ₹93,301 crore two years ago. The RBI data also shows 123% year-on-year growth, the fastest among all sectors, highlighting a sharp shift toward using gold as quick credit when cash needs rise.
In FY26, Indian businesses are leaning more on bank lending as the dominant source of corporate funding, hitting a three-year peak in total resource mobilisation. Though foreign capital and bond markets saw activity, their scale paled compared with banks. The shift signals a notable change in how companies are financing growth, with credit markets playing a bigger role again.
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