{"id":238706,"date":"2026-01-15T03:45:11","date_gmt":"2026-01-15T03:45:11","guid":{"rendered":"https:\/\/www.newsbeep.com\/il\/238706\/"},"modified":"2026-01-15T03:45:11","modified_gmt":"2026-01-15T03:45:11","slug":"bank-deposits-and-loans-soared-in-the-last-fortnight-of-q3fy26","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/il\/238706\/","title":{"rendered":"Bank deposits and loans soared in the last fortnight of Q3FY26"},"content":{"rendered":"

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\n\t\t\t\t\t\t\t\t\t\t BNP Paribas analysts\u2019 expect reasonable credit growth to translate into earnings growth momentum for banks in FY27 \u2013 a key re-rating catalyst
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t| Photo Credit:<\/p>\n

Banks seem to have made a big push in growing business in the last fortnight of the third quarter (Q3FY26), with RBI data showing substantial jump in deposits and credit.<\/p>\n

In the fortnight ended December 31, 2025, deposits of all scheduled banks soared by \u20b97,34,623.39 crore. Loans, too, jumped by \u20b96,32,756.50 crore.<\/p>\n

In the preceding fortnight ended December 15, 2025, deposits of all scheduled banks shrunk by \u20b91,66,460 crore even as loans went up by \u20b91,08,415 crore.<\/p>\n

Bankers attribute the sudden jump in business (deposits plus advances) to the quarter-end phenomenon of banks\u2019 bulking up their balance sheet by contracting short-term business.<\/p>\n

Referring to the YTD CY (year-to-date calendar year) 2025 incremental Credit-Deposit Ratio of 96 per cent, BNP Paribas, in a report, said this indicaties a relative increase in credit strength. Further, a slightly lower deposit\/M3 (broad money) growth is linked to the same dynamics that drove liquidity strains in the last two months.<\/p>\n

BNP Paribas analysts\u2019 expect reasonable credit growth to translate into earnings growth momentum for banks in FY27 \u2013 a key re-rating catalyst. <\/p>\n

Published on January 14, 2026 <\/p>\n","protected":false},"excerpt":{"rendered":"BNP Paribas analysts\u2019 expect reasonable credit growth to translate into earnings growth momentum for banks in FY27 \u2013…\n","protected":false},"author":2,"featured_media":238707,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[23914,114,184,85,46,27338,21275],"class_list":["post-238706","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economy","tag-bank-deposits","tag-business","tag-economy","tag-il","tag-israel","tag-loans","tag-rbi"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts\/238706","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/comments?post=238706"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/posts\/238706\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/media\/238707"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/media?parent=238706"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/categories?post=238706"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/il\/wp-json\/wp\/v2\/tags?post=238706"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}