Latest news with #PublicSectorBanks
Time of India
8 hours ago
- Business
- Time of India
Report: Public Sector Banks increase market share amid slower credit growth in FY25; regain lending dominance
This is an AI-generated image, used for representational purposes only. Public Sector Banks (PSBs) gained significant market share across lending segments and geographies in FY25 despite overall moderation in bank credit growth, a report by Union Bank of India has revealed. The shift was especially evident in working capital and demand loans, traditionally used by businesses for operational needs, as per news agency ANI. ' Credit growth slowed in FY25 yet PSBs gained market share vis-à-vis PVBs (Private Banks),' the report noted, adding that public sector lenders leveraged their balance sheets more effectively and cautiously, especially as private lenders saw reduced momentum. The Credit-Deposit (CD) ratio of private banks, though elevated due to an earlier credit push, sharply corrected in FY25, indicating a deceleration in fresh disbursements. In contrast, PSBs capitalised on regulatory tightening in the unsecured lending space, particularly targeting retail credit like housing loans, where they emerged as incremental leaders. The report also pointed out a shift in the sectoral distribution of credit. by Taboola by Taboola Sponsored Links Sponsored Links Promoted Links Promoted Links You May Like Giao dịch CFD với công nghệ và tốc độ tốt hơn IC Markets Đăng ký Undo Private banks, once dominant in retail disbursements, lost ground due to tighter regulations, allowing PSBs to step in. Remarkably, state-owned banks also posted stronger growth in industrial credit, a segment previously dominated by private lenders. On the geographic front, PSBs saw strong performance in rural and semi-urban areas. Over 60 per cent of incremental credit in semi-urban regions and a significant share in rural belts were secured by public banks. Even in urban and metro areas, where private banks traditionally dominated, PSBs reclaimed some ground lost in FY24. In terms of borrower segmentation, credit to individuals continued its upward trajectory, signalling robust retail banking strength, the report said. The report aligns with broader findings released earlier this month by Boston Consulting Group, which noted that the BFSI sector was undergoing a period of moderate credit growth and profitability pressure. The sector's Net Interest Margins are under pressure amid repo rate cuts and elevated CD ratios, which have intensified the race for low-cost deposits. Despite this, PSU banks posted a 26 per cent year-on-year growth in profit after tax (PAT), outperforming private banks' 8 per cent growth. Deposit growth remained healthy at 11 per cent year-on-year, reaching Rs 229.3 lakh crore, although CASA growth stayed muted. The overall banking sector reported a 12 per cent rise in total net advances and a 13 per cent increase in aggregate credit in FY25, signalling that PSBs' tactical shift and rural resurgence helped them outperform amid macroeconomic headwinds. Stay informed with the latest business news, updates on bank holidays and public holidays . AI Masterclass for Students. Upskill Young Ones Today!– Join Now
Mint
9 hours ago
- Business
- Mint
PSU banks gain market share amid slow down in credit growth: UBI Report
New Delhi [India], : The credit growth of Indian banks moderated in the Financial Year 2025, yet Public Sector Banks gained the market share, outperforming their Private Banks counterparts, according to a report by the Union Bank of India. The report added that the gain was visible across both the nature and geography of lending. "Credit growth slowed in FY25 yet PSBs gained market share vis-a-vis PVBs," the report added. The Credit-Deposit ratio for PVBs was observed elevated, reflecting higher credit push, but their incremental CD ratio corrected sharply in FY25, hinting at a slowdown in fresh disbursements. Contrary to this, the PSBs saw more stability, leveraging their balance sheets more cautiously but effectively. As per the report, the working capital and demand loans, typically used by businesses for operational requirements, became a key driver of this outperformance. The report observed that a major change has emerged in the sectoral distribution of credit. The regulatory interventions on the unsecured lending slowed down retail disbursements from private banks. While the public sector banks used this opportunity to boost their incremental market share in the retail credit segment, especially gaining a lead in the housing loans. The report observed that the state-controlled banking entities are also leading in industrial credit, which was not the specialisation of PSBs. On the geographical front, PSBs dominated in rural and semi-urban regions. Public sector banks secured a large share of incremental credit in rural areas in FY25, re-establishing their presence as key lenders in India's hinterlands. Over 60 per cent of incremental credit in semi-urban locations was cornered by PSBs, while even in urban and metro areas, they managed to claw back some share lost in FY24. As per the findings of the report in terms of borrower segmentation, credit to individuals continued its upward trajectory in the current fiscal, which shows the strength of retail banking. This article was generated from an automated news agency feed without modifications to text.
The Hindu
4 days ago
- Business
- The Hindu
CBI holds coordination meeting with DFS, public sector banks officials
The Central Bureau of Investigation (CBI) convened a coordination meeting with officials of the Banking Securities Fraud Investigation Zone, Department of Financial Services (DFS), MoF and Chief Vigilance Officers of Public Sector Banks here on Tuesday (June 17, 2025). During the day-long meeting, all pending matters pertaining to ongoing investigation and prosecution of the bank fraud cases being handled by CBI were discussed and several issues were sorted out, said a release. According to the release, the meeting was a follow up meeting after the high-level meeting held in January this year between Department of Financial Services, CBI and Public Sector Banks, in Mumbai. The agenda was to enhance the interdepartmental cooperation and expedite investigations pertaining to bank fraud cases. During the meeting, detailed presentations were made by the CBI and Public Sector Banks officials on relevant operational issues. Many aspects were discussed and resolved. A close coordination between the banks and CBI in terms of timely sharing of relied-upon documents was acknowledged. Further efforts to streamline procedures and ensure proactive cooperation in matters related to obtaining approvals and sanctions under Section 17A and Section 19 of the Prevention of Corruption Act were also emphasised. The Officers from CBI and Public Sector Banks exchanged case-specific details and discussed the way forward to expedite pending investigations. The meeting concluded with a consensus to maintain the current momentum of cooperation between the CBI and Public Sector Banks. Emphasis was laid on continuing structured engagement and institutional collaboration to overcome procedural bottlenecks, expedite investigations, resolve pending issues, and ensure timely completion of investigations, the release stated.
Scroll.in
5 days ago
- Business
- Scroll.in
IBPS releases revised CRP 2025 exam calendar: check details here
The Institute of Banking Personnel Selection (IBPS) has officially released the revised tentative calendar for the 2025-26 recruitment cycle for Public Sector Banks (PSBs) and Regional Rural Banks (RRBs). Candidates can view the revised calendar at the official website According to the updated calendar, the preliminary exams for CRP PO/MT-XV will be held on August 17, 23, and 24, 2025, while the main examination is scheduled for October 12, 2025. For Specialist Officers under CRP SPL-XV, the preliminary exam will take place on August 30, 2025, and the single/main examination is set for November 9, 2025. As per a report by Times of India, the entire registration process for IBPS CRP 2025 exams will be conducted online only. Candidates are required to complete a single registration for both Preliminary and Main exams, wherever applicable.
Time of India
5 days ago
- Business
- Time of India
IBPS revises 2025–26 recruitment calendar: Check exam dates for PO, SO, Clerk, and RRB posts
IBPS exam schedule 202 5 : The Institute of Banking Personnel Selection (IBPS) has officially released the revised tentative calendar for the 2025–26 recruitment cycle for Public Sector Banks (PSBs) and Regional Rural Banks (RRBs). The updated schedule affects candidates applying for positions including Probationary Officers (PO), Management Trainees (MT), Specialist Officers (SPL), Customer Service Associates (CSA), and various RRB officer/assistant roles. T he calendar revision includes updated dates for preliminary, main, and single examinations, along with critical instructions regarding the online application process. IBPS CRP 2025 exam schedule: Important dates Candidates can check the list of important dates provided here to check the IBPS CRP exam schedule 2025: Recruitment Process Post Preliminary Exam Main/Single Exam CRP PO/MT-XV Probationary Officers / MT 17th, 23rd, 24th August 2025 12th October 2025 CRP SPL-XV Specialist Officers 30th August 2025 9th November 2025 CRP CSA-XV Customer Service Associates 4th, 5th, 11th October 2025 29th November 2025 CRP RRBs-XIV Officer Scale I 22nd, 23rd November 2025 28th December 2025 CRP RRBs-XIV Officer Scale II & III Not Applicable 28th December 2025 (Single Level) CRP RRBs-XIV Office Assistants (Multipurpose) 6th, 7th, 13th, 14th December 2025 1st February 2026 Candidates can click on the link provided here to check the official notice regarding the IBPS CRP exam schedule 2025. IBPS CRP application 2025: Important guidelines The registration process for all IBPS CRP exams will be conducted exclusively through online mode. Candidates must complete a single registration for both Preliminary and Main examinations, wherever applicable. During the application, applicants are required to upload their photograph, signature, thumb impression, and a handwritten declaration in specified file sizes and formats. Additionally, a live photograph, captured via webcam or mobile phone, must be uploaded as part of the identity verification process. Candidates are advised to stay tuned to the official website to get the latest updates regarding the IBPS recruitment process. Is your child ready for the careers of tomorrow? Enroll now and take advantage of our early bird offer! Spaces are limited.
