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net interest margin

Bank of Baroda warns of shrinking margins this fiscal and pivots to treasury wealth and fees

Bank of Baroda warns of shrinking margins this fiscal and pivots to treasury wealth and fees

Bank of Baroda expects net interest margins to come under pressure this fiscal as deposit rates stay sticky and lending rates are less able to rise. To protect profitability, it plans to grow fee income and explore a new primary dealership business to expand debt capital market activity. The bank is also working to strengthen key subsidiaries like BoB Cards and Nainital Bank.

Summarised by Beize from a story on The Economic Times on 11 May 2026
SBI logs record profit over 80000 crore as NIM bottoms out and loan growth guidance jumps

SBI logs record profit over 80000 crore as NIM bottoms out and loan growth guidance jumps

State Bank of India reported a record profit above ₹80,000 crore, even as investors worried about net interest income and margin pressure. Chairman CS Setty said net interest margins have likely bottomed out and should stabilize around 3%. SBI also pointed to strong deposit growth and expects 13–15% loan growth across segments in FY27, while watching global risks closely.

Summarised by Beize from a story on The Economic Times on 11 May 2026

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SBI targets net interest margin above 3 percent by doubling down on retail and MSME loans

SBI targets net interest margin above 3 percent by doubling down on retail and MSME loans

State Bank of India is aiming to keep its net interest margin above 3% in FY27, banking on easing funding costs as deposits are repriced. But if CASA growth stays slower than credit expansion, SBI may have to rely more on costlier term deposits. To protect margins, it plans faster retail and MSME loan growth while strengthening fee income.

Summarised by Beize from a story on The Economic Times on 11 May 2026
Indian Bank CEO warns margins will shrink as rates rise and plans wealth business

Indian Bank CEO warns margins will shrink as rates rise and plans wealth business

Indian Bank CEO Binod Kumar says India’s development will likely push interest rates higher, while net interest margins thin. To meet regulatory Expected Credit Loss norms, the bank plans to raise capital and build a wealth management business. It also targets faster retail and MSME loan growth, arguing that bank consolidation could help achieve global scale.

Summarised by Beize from a story on The Economic Times on 10 May 2026
Kotak Q4 results surprise with margin lift and falling credit costs

Kotak Q4 results surprise with margin lift and falling credit costs

Kotak Mahindra Bank turned in a robust Q4, marked by unexpected margin expansion alongside declining credit costs. While management expects margins to flatten as deposit rates rise, analysts point to potential support from unsecured lending growth, improving CASA deposits, operating leverage, and a rebound in fee income to help sustain strong returns on assets.

Summarised by Beize from a story on The Economic Times on 4 May 2026
Equitas Small Finance Bank shares jump 7% as Q4 profit rockets five fold to Rs 213 crore

Equitas Small Finance Bank shares jump 7% as Q4 profit rockets five fold to Rs 213 crore

Equitas Small Finance Bank shares rallied about 7% after the lender reported a 406% jump in fourth-quarter net profit for FY26 to Rs 213 crore. The strong showing was linked to business expansion, better asset quality, and faster growth in advances and disbursements, alongside an uptick in profitability metrics including net interest margin.

Summarised by Beize from a story on The Economic Times on 4 May 2026

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Equitas Small Finance Bank Q4 profit soars fivefold on expansion and sharply lower credit costs

Equitas Small Finance Bank Q4 profit soars fivefold on expansion and sharply lower credit costs

Equitas Small Finance Bank reported a fivefold jump in Q4 net profit to Rs 213 crore, driven by faster business growth and improving asset quality. The bank lowered provisions, saw its net interest margin rise, and recorded 22% year-on-year growth in gross advances. Non-performing assets declined and credit costs fell, helping earnings outperform.

Summarised by Beize from a story on The Economic Times on 30 Apr 2026
Uco Bank Q4 profit rises 23% as provisions fall while margins weaken

Uco Bank Q4 profit rises 23% as provisions fall while margins weaken

Uco Bank’s Q4 net profit jumped 23% to Rs 801 crore, helped by lower provisions. However, operating profit fell as core and non-interest income weakened. Net interest margin slipped to 3%, even while advances grew 19.4% and deposits rose 11.6%, signaling growth alongside margin pressure.

Summarised by Beize from a story on The Economic Times on 26 Apr 2026
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