Indian banks' bad loan ratio could improve from 10-yr lows - RBI

MUMBAI, June 28 (Reuters) - The Indian banking sectors bad loan ratio could improve to 3.6% by March 2024 from a 10-year low of 3.9% in March 2023, provided macroeconomic conditions dont worsen, the Reserve Bank of Indias (RBI) financial stability report showed on Wednesday.

路透孟买6月28日 - 印度储备银行(rbi)称，如果宏观经济状况不恶化，印度银行业不良贷款率到2024年3月可能会从2023年3月的10年低点3.9%改善至3.6%周三公布的金融稳定报告。

The report includes contributions from all financial sector regulators in the country, and is published bi-annually by the central bank.

该报告包括该国所有金融部门监管机构的贡献，由央行每两年发布一次。

“Macro stress tests for credit risk reveal that all banks would comply with the minimum capital requirements even under a severe stress scenario,” the report said. “Contagion and solvency risks have reduced.”

报告称，“信用风险宏观压力测试表明，即使在严峻的压力情况下，所有银行也会遵守最低资本要求。” “传染和偿付能力风险已经降低。”

However, if broader economic conditions worsen, the gross non-performing asset ratio (NPA) of banks - the measure of a banks bad loans - may rise to 4.1% and 5.1%, under medium or severe stress scenarios, respectively, the RBI warned.

然而，印度储备银行警告说，如果更广泛的经济状况恶化，在中度或重度压力情景下，银行的不良资产总额比率（npa）（衡量银行不良贷款的指标）可能分别升至 4.1% 和 5.1% 。

Assuming such a scenario, state-run banks gross NPA ratio may swell to 6.1% in March 2024 from 5.2% a year ago, while private sector banks can see that number rise to 3.8% from 2.2% in the same period, the central bank said.

央行表示，假设这种情况，国有银行的不良资产总额比率可能会从一年前的 5.2% 升至 2024 年 3 月的 6.1%，而同期私营银行的这一数字可能会从 2.2% 升至 3.8%说。

The RBI has been increasingly encouraging banks to strengthen governance standards, raise capital buffers and tighten underwriting practices to avoid financial instability, following a series of bank failures in the United States.

在美国发生一系列银行倒闭后，印度央行越来越多地鼓励银行加强治理标准、提高资本缓冲并收紧承保实践，以避免金融不稳定。

All banks would be able to comply with the minimum capital requirements even under adverse stress scenarios, the report said.

报告称，即使在不利的压力情况下，所有银行也能够遵守最低资本要求。

Under \“adverse situations,\” however, some individual banks may fall short of minimum capital requirements, it added.

然而，它补充说，在“不利情况”下，一些个别银行可能达不到最低资本要求。

The Indian economy is resilient, supported by sustained growth momentum, moderating inflation and a lower current account deficit among other factors, the report said.

报告称，在持续增长势头、通胀放缓和经常账户赤字降低等因素的支撑下，印度经济具有韧性。

Slower global growth and potential volatility in the global financial system, however, could pose risks to the growth trajectory, it added.

然而，全球增长放缓和全球金融体系的潜在波动可能会给增长轨迹带来风险。

Reporting by Siddhi Nayak; Editing by Nivedita Bhattacharjee

西迪·纳亚克 (siddhi nayak) 报道；尼维迪塔·巴塔查吉编辑