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Gains ahead for SBI: Higher NIM could lead to double digit earnings growth

A recovering economy may lead to higher credit demand from corporates, despite rising rates and there are signs that retail consumption is picking up

Topics
sbi | SBI stock | loans in banks

Devangshu Datta 



state bank of india, sbi, banks, bank branch
Loan growth has accelerated – it is up 15% YoY and the fastest growth segments are high-yield retail and small and medium enterprises

Conventional wisdom suggests that a rising rate cycle is generally bad for lenders. First, a portfolio of earlier loans at lower rates becomes less valuable. Second, higher rates generally lead to lower demand for loans so banks can also suffer loss of credit volume.

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First Published: Fri, September 23 2022. 21:27 IST

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