{"id":474,"date":"2022-10-05T05:05:46","date_gmt":"2022-10-05T08:05:46","guid":{"rendered":"https:\/\/noticias-gerais.online\/?p=474"},"modified":"2023-02-21T23:33:12","modified_gmt":"2023-02-22T02:33:12","slug":"numeros-provisorios-de-julho-setembro-dos-bancos-indicam-crescimento-robusto-em-emprestimos-e-depositos","status":"publish","type":"post","link":"https:\/\/noticias-gerais.online\/sk\/numeros-provisorios-de-julho-setembro-dos-bancos-indicam-crescimento-robusto-em-emprestimos-e-depositos\/","title":{"rendered":"Predbe\u017en\u00e9 \u00fadaje b\u00e1nk za j\u00fal a\u017e september nazna\u010duj\u00fa robustn\u00fd rast \u00faverov a vkladov."},"content":{"rendered":"

Predbe\u017en\u00e9 aktualiz\u00e1cie obchodn\u00fdch \u00fadajov b\u00e1nk za \u0161tvr\u0165rok j\u00fal \u2013 september nazna\u010duj\u00fa, \u017ee rast \u00faverov a vkladov zost\u00e1va siln\u00fd.<\/span><\/p>\n

Bankov\u00ed analytici a odborn\u00edci z odvetvia uviedli, \u017ee tento trend by mal pokra\u010dova\u0165 aj v nasleduj\u00facich \u0161tvr\u0165rokoch, a to aj napriek zhor\u0161uj\u00facim sa glob\u00e1lnym nepriazniv\u00fdm vplyvom a re\u0161trikt\u00edvnemu re\u017eimu menovej politiky centr\u00e1lnej banky.<\/span><\/p>\n

\u201cV strednodobom horizonte s\u00fa dobre kapitalizovan\u00e1 s\u00favaha, zlep\u0161en\u00fd rast \u00faverov a progn\u00f3za ni\u017e\u0161\u00edch n\u00e1kladov na p\u00f4\u017ei\u010dky pozit\u00edvnymi katalyz\u00e1tormi, ktor\u00e9 by mali umo\u017eni\u0165 zlep\u0161enie oce\u0148ovac\u00edch multiplik\u00e1torov s n\u00e1vratom makroekonomickej stability,\u201d povedal Nilanjan Karfa, analytik makl\u00e9rskej firmy Nomura.<\/span><\/p>\n

V tejto s\u00favislosti sa pod\u013ea Karfy pravdepodobne prejavia tri narat\u00edvy \u2013 \u00faspory na be\u017en\u00fdch \u00fa\u010dtoch b\u00e1nk (CASA), dominantn\u00e9 zlo\u017een\u00e9 fran\u0161\u00edzy, zisky orientovan\u00e9 na rast a ni\u017e\u0161ie \u00faverov\u00e9 n\u00e1klady.<\/span><\/p>\n

Pre\u010d\u00edtajte si tie\u017e: Odborn\u00edci tvrdia, \u017ee \u00farokov\u00e9 sadzby bankov\u00fdch \u00faverov sa s o\u010dak\u00e1van\u00fdm spr\u00edsnen\u00edm RBI e\u0161te viac zv\u00fd\u0161ia.<\/span><\/p>\n

hra s \u010d\u00edslami<\/span><\/p>\n

Aktu\u00e1lne obchodn\u00e9 spr\u00e1vy b\u00e1nk za j\u00fal a\u017e september vykres\u013euj\u00fa pre tento sektor ru\u017eov\u00fd obraz. Ve\u013ek\u00e9 banky vr\u00e1tane State Bank of India, HDFC Bank, IndusInd Bank a Yes Bank vyk\u00e1zali v \u0161tvr\u0165roku j\u00fal a\u017e september dvojcifern\u00fd rast rastu \u00faverov na medziro\u010dnej b\u00e1ze. Rast vkladov bol tie\u017e siln\u00fd.<\/span><\/p>\n

Napr\u00edklad banka HDFC vyk\u00e1zala v \u0161tvr\u0165roku j\u00fal a\u017e september medziro\u010dn\u00fd n\u00e1rast \u00faverov a z\u00e1loh o 23,51 TP3 bili\u00f3na. Na \u0161tvr\u0165ro\u010dnej b\u00e1ze sa rast \u00faverov zv\u00fd\u0161il o nie\u010do viac ako 6 percent. Vkladov\u00e1 b\u00e1za medziro\u010dne vzr\u00e1stla o 19,51 TP3 bili\u00f3na.<\/span><\/p>\n

Banka IndusInd tie\u017e uviedla, \u017ee jej \u00favery sa medziro\u010dne zv\u00fd\u0161ili o 17,61 % a medzikvart\u00e1lne o 4,71 %. Vklady medziro\u010dne vzr\u00e1stli o 13,2 %.<\/span><\/p>\n

\u0160t\u00e1tna banka Indie, najv\u00e4\u010d\u0161\u00ed verite\u013e v krajine, uviedla, \u017ee jej \u00favery v druhom fi\u0161k\u00e1lnom \u0161tvr\u0165roku dosiahli 67,981 mili\u00f3na rupi\u00ed, \u010do predstavuje medziro\u010dn\u00fd n\u00e1rast o 16,6 percenta a medzi\u0161tvr\u0165ro\u010dn\u00fd n\u00e1rast o nie\u010do viac ako 5 percent. Vklady dosiahli 88,503 mili\u00f3na rupi\u00ed, \u010do predstavuje medziro\u010dn\u00fd n\u00e1rast o 1,91 bili\u00f3na rupi\u00ed (TP3).<\/span><\/p>\n

Relat\u00edvne men\u0161ie konkuruj\u00face banky Federal Bank, Bank of Maharashtra a Karur Vysya Bank vyk\u00e1zali podobn\u00fd trend, ako je vidie\u0165 na grafe ni\u017e\u0161ie.<\/span><\/p>\n

Tento trend nasledovali nielen banky, ale aj hypotek\u00e1rny verite\u013e HDFC. \u00davery poskytnut\u00e9 HDFC dosiahli v \u0161tvr\u0165roku j\u00fal a\u017e september hodnotu 9 145 mili\u00f3nov rupi\u00ed, \u010do predstavuje medziro\u010dn\u00fd n\u00e1rast o 28,21 bili\u00f3na rupi\u00ed. Predan\u00e9 individu\u00e1lne \u00favery dosiahli hodnotu 34 513 mili\u00f3nov rupi\u00ed, \u010do predstavuje medziro\u010dn\u00fd n\u00e1rast pribli\u017ene o 271 bili\u00f3nov rupi\u00ed.<\/span><\/p>\n

\u010co poh\u00e1\u0148a rast \u00faverov?<\/span><\/p>\n

Indick\u00e9 banky sa spam\u00e4t\u00e1vaj\u00fa z kr\u00edzy sp\u00f4sobenej ochoren\u00edm COVID-19, ktor\u00e1 zanechala mnoh\u00fdch Indov bez pr\u00e1ce. Teraz, ke\u010f sa ekonomika zotavuje, sa ponuka \u00faverov v\u00fdrazne zlep\u0161ila. Pod\u013ea \u00fadajov RBI zaznamenali bankov\u00e9 \u00favery v auguste medziro\u010dn\u00fd rast o 16 percent. Okrem toho, \u010d\u00edsla za \u0161tvr\u0165rok j\u00fal a\u017e september vych\u00e1dzaj\u00fa z n\u00edzkej z\u00e1kladne.<\/span><\/p>\n

Ke\u010f\u017ee sa bl\u00ed\u017ei sviato\u010dn\u00e9 obdobie, analytici o\u010dak\u00e1vaj\u00fa, \u017ee banky vyu\u017eij\u00fa vy\u0161\u0161ie v\u00fddavky a v nasleduj\u00facich \u0161tvr\u0165rokoch zaznamenaj\u00fa aj zdrav\u00fd rast \u00faverov.<\/span><\/p>\n

\u201cO\u010dak\u00e1vame siln\u00fd rast (\u00faverov) pre banky. \u00daverov\u00fd syst\u00e9m je na \u00farovni 16%, \u010do sa pravdepodobne premietne do siln\u00e9ho rastu pre banky,\u201d povedal Hemali Dhame, z\u00e1stupca viceprezidenta pre v\u00fdskum v spolo\u010dnosti Kotak Securities. \u201cDo\u0161lo k zlep\u0161eniu vyu\u017e\u00edvania \u00faverov v\u010faka mal\u00fdm a stredn\u00fdm podnikom, siln\u00e9mu rastu osobn\u00fdch \u00faverov, kreditn\u00fdch kariet a b\u00fdvania.\u201d<\/span><\/p>\n

\u201cO\u010dak\u00e1vame, \u017ee rast \u00faverov po\u010das sviato\u010dn\u00e9ho obdobia bude tie\u017e zdrav\u00fd. Predpoklad\u00e1me zdrav\u00e9 trendy rastu \u00faverov aj v tomto roku,\u201d dodal Dhame.<\/span><\/p>\n

Pod\u013ea Punita Patniho, analytika spolo\u010dnosti Swastika Investmart, zv\u00fd\u0161en\u00e9 v\u00fddavky, op\u00e4tovn\u00e9 otvorenie ekonomiky po \u00fastupe pand\u00e9mie koronav\u00edrusu, siln\u00fd dopyt po b\u00fdvan\u00ed a nehnute\u013enostiach, vl\u00e1dne v\u00fddavky, posilnenie infra\u0161trukt\u00fary a vysok\u00e1 \u00farove\u0148 vyu\u017eitia kapac\u00edt s\u00fa pr\u00edkladmi d\u00f4vodov, ktor\u00e9 vysvet\u013euj\u00fa zlep\u0161en\u00fd rast \u00faverov.<\/span><\/p>\n

\u201cPo normaliz\u00e1cii \u00fa\u010dinkov COVIDu za\u017e\u00edva bankov\u00fd sektor obdobie pozit\u00edvneho rastu, ktor\u00e9 by malo trva\u0165 aj v nasleduj\u00facich \u0161tvr\u0165rokoch,\u201d dodal Patni. \u201cNadch\u00e1dzaj\u00faca festivalov\u00e1 sez\u00f3na bude \u010dere\u0161ni\u010dkou na torte, ke\u010f\u017ee maloobchodn\u00e9 v\u00fddavky a dopyt po \u00faveroch zost\u00e1vaj\u00fa siln\u00e9.\u201d<\/span><\/p>\n

Analytici uviedli, \u017ee dopyt po \u00faveroch by mal zosta\u0165 siln\u00fd napriek \u0161tyrom po sebe id\u00facim zv\u00fd\u0161eniam sadzieb zo strany Rezervnej banky Indie (RBI). V\u00fdbor pre menov\u00fa politiku (MPC) RBI zv\u00fd\u0161il od m\u00e1ja sadzby o 190 b\u00e1zick\u00fdch bodov, aby obmedzil infla\u010dn\u00fd tlak. Sign\u00e1l RBI t\u00fdkaj\u00faci sa sadzieb sa pren\u00e1\u0161a prostredn\u00edctvom bankov\u00e9ho syst\u00e9mu, ke\u010f veritelia upravuj\u00fa svoje \u00faverov\u00e9 a vkladov\u00e9 sadzby.<\/span><\/p>\n

Spolo\u010dnos\u0165 Moneycontrol 3. okt\u00f3bra informovala, \u017ee hoci \u00farokov\u00e9 sadzby z \u00faverov rast\u00fa, bank\u00e1ri a analytici neo\u010dak\u00e1vaj\u00fa, \u017ee cyklus zvy\u0161ovania sadzieb zn\u00ed\u017ei dopyt po \u00faveroch.<\/span><\/p>\n

Pre\u010d\u00edtajte si tie\u017e: Portf\u00f3li\u00e1 bankov\u00fdch \u00faverov vo fi\u0161k\u00e1lnom roku 2023 medziro\u010dne vzrast\u00fa o 14 \u2013 151 TP3 bili\u00f3nov; analytici predpokladaj\u00fa, \u017ee hrub\u00e9 akt\u00edva dosiahnu do konca marca 51 TP3 bili\u00f3nov.<\/span><\/p>\n

Mobiliz\u00e1cia vkladov bude pokra\u010dova\u0165<\/span><\/p>\n

Analytici o\u010dak\u00e1vaj\u00fa, \u017ee banky bud\u00fa na financovanie rastu \u00faverov \u010derpa\u0165 z vkladov, najm\u00e4 po r\u00fdchlej\u0161om tempe spr\u00eds\u0148ovania likvidity z nadmern\u00e9ho bankovn\u00edctva.<\/span><\/p>\n

Veritelia ako Axis Bank, DCB Bank, ICICI Bank a RBL Bank u\u017e zv\u00fd\u0161ili sadzby fixn\u00fdch vkladov (FD) po zv\u00fd\u0161en\u00ed sadzieb zo strany RBI. Guvern\u00e9r RBI Shaktikanta Das vo svojom br\u00edfingu po vydan\u00ed politick\u00fdch spr\u00e1v uviedol, \u017ee v bud\u00facnosti sa bude viac sna\u017ei\u0165 o \u00fapravu sadzieb vkladov.<\/span><\/p>\n

\u201cO\u010dak\u00e1vame, \u017ee situ\u00e1cia v podobe vojny \u00farokov\u00fdch sadzieb zmobilizuje vklady, najm\u00e4 v segmente mal\u00fdch a stredn\u00fdch b\u00e1nk,\u201d povedal Patni zo Swastika Investmart. \u201cBanky s vysokou \u00fa\u010das\u0165ou v programe CASA, vysok\u00fdm kryt\u00edm likvidity a n\u00edzkym pomerom \u00faverov k vkladom s\u00fa v\u0161ak v lep\u0161ej poz\u00edcii na zvl\u00e1dnutie nadch\u00e1dzaj\u00faceho nedostatku likvidity.\u201d<\/span><\/p>\n

Dhame zo spolo\u010dnosti Kotak Securities s\u00fahlasila s Patni. \u201cMobiliz\u00e1cia vkladov bude pravdepodobne cestou vpred,\u201d povedala. Banky od za\u010diatku cyklu zvy\u0161ovania sadzieb zv\u00fd\u0161ili \u00farokov\u00e9 sadzby vkladov, ale nie \u00famerne k n\u00e1rastu sp\u00e4tn\u00fdch odkupov. Ver\u00edme, \u017ee existuje viac priestoru na zvy\u0161ovanie \u00farokov\u00fdch sadzieb vkladov a ich mobiliz\u00e1ciu.\u201d<\/span><\/p>","protected":false},"excerpt":{"rendered":"

As atualiza\u00e7\u00f5es provis\u00f3rias dos neg\u00f3cios dos bancos para o trimestre julho-setembro sugerem que o crescimento de empr\u00e9stimos e dep\u00f3sitos continua robusto. Analistas banc\u00e1rios e especialistas do setor disseram que a tend\u00eancia deve continuar mesmo nos pr\u00f3ximos trimestres, apesar do agravamento dos ventos contr\u00e1rios globais e do regime de pol\u00edtica monet\u00e1ria restritivo do banco central. \u201cNo […]<\/p>\n","protected":false},"author":8,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"class_list":["post-474","post","type-post","status-publish","format-standard","category-economia"],"_links":{"self":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/474","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/comments?post=474"}],"version-history":[{"count":0,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/posts\/474\/revisions"}],"wp:attachment":[{"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/media?parent=474"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/categories?post=474"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/noticias-gerais.online\/sk\/wp-json\/wp\/v2\/tags?post=474"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}