Branch2 Intelligence
BoB, BoI, PNB see 350-Bps credit-deposit growth gap
Key takeaway
Credit-deposit gap widens >350bps for BOB, BOI, PNB, signalling structural liquidity strain.
- Step 11st-order: Credit-deposit gap >350bps at BOB, BOI, PNB signals structural liquidity strain.
- Step 22nd-order: Banks raise deposit rates or slow credit growth, compressing NIMs and reducing loan supply.
- Step 33rd-order: Higher lending rates and tighter credit in India increase financing costs for Indian SMEs and trade finance counterparties.
- Step 44th-order: UK SMEs with Indian supply chains face higher input costs and delayed payments as Indian partners' working capital tightens.
Source: IN:Economic Times
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