印度中央银行正计划到明年9月将其黄金贷款组合规模提升至1.1万亿卢比，增幅超过一倍，因为该行专注于高收益放贷以支撑盈利能力，董事总经理兼首席执行官Kalyan Kumar表示。该行预计黄金贷款业务将成为关键增长驱动力，同时尽管利率环境上行，仍将维持息差指引。Kumar还称，随着新增资金部署至高收益板块，该行预计净息差将维持在3%以上。
Central Bank of India is looking to more than double its gold loan portfolio to ₹1.1 lakh crore by September next year as it focuses on higher-yield lending to support profitability, said Managing Director & CEO Kalyan Kumar. The lender expects the gold loan business to become a key growth driver while maintaining its margin guidance despite a rising interest rate environment. Kumar also said the bank expects its net interest margin to remain above 3% as it deploys fresh funds into higher-yielding segments.
这一战略是在该行通过FCNR存款（非居民外币存款）筹集9.26亿美元、提供额外流动性以支持信贷增长之后推出的。印度中央银行报告称，信贷同比增长近30%，而存款增长19%。尽管贷款增速强于指引，Kumar表示该行维持14%-16%的放贷增长指引和10%-12%的存款增长指引，理由是流动性充裕且存贷比舒适地维持在75%。截至NSE（印度国家证券交易所）下午1:34，印度中央银行股价报30.54卢比。该公司当前市值为27652.03亿卢比，其股价在过去一年下跌逾21%。
The strategy comes after the bank raised $926 million through FCNR deposits, providing additional liquidity to support credit growth. The Central Bank of India reported nearly 30% year-on-year credit growth, while deposits grew 19%. Despite the stronger-than-guided loan growth, Kumar said the bank is retaining its guidance of 14-16% advance growth and 10-12% deposit growth, citing sufficient liquidity and a comfortable 75% credit-deposit ratio. Central Bank of India shares were trading at ₹30.54 as of 1:34 pm on the NSE. The company, which has a current market capitalisation of ₹27,652.03 crore, has seen its shares decline more than 21% over the last year.
该行认为，最近通过FCNR筹集的约880亿卢比资金将提供足够流动性以维持放贷。Kumar补充称，由于贷款组合中61%与回购利率挂钩，较高的政策利率可能支撑放贷收益率，而存款重新定价会滞后发生。
The bank believes the recent FCNR fund raise of about ₹8,800 crore will provide enough liquidity to sustain lending. Kumar added that with 61% of the loan book linked to repo rates, higher policy rates could support lending yields while deposit repricing would happen with a lag.
让我先从你们的存贷比谈起。信贷增长非常强劲，接近30%，但你们的指引却相当低，只有14%-16%。第一，为什么不上调该指引？存款增长滞后，几乎只有信贷增速的一半。你们担心这种分化吗？你们打算如何弥合这一差距？
Let me just start with your CD ratio. Credit growth is very strong, almost 30%, and yet your guidance is pretty low at 14-16%. Number one, why aren't you revising that guidance upwards? And deposit growth is lagging; it's almost half of the credit growth that you're seeing. Are you worried about that divergence? What are you looking to do to bridge that gap?
是的，你说得没错。我们的信贷增长按年率约为30%，如果按年率看，存款增长也是19%。活期储蓄存款（CASA）也增长了9%。
Yes, you are right. Our credit growth is approximately 30% on a year-on-year basis, and deposit growth is also if you see it on a year-on-year basis, it is 19%. CASA has also grown by 9%.
上一季度，我们还以6.29%的成本发行了950亿卢比的存单，整体存款成本维持在4.60%，贷款收益率为7.87%。存贷比为75%，我们仍有足够的空间进一步增长。因此，我坚持我们向市场给出的现有指引，即业务增长10%-12%、贷款增长14%-16%、存款增长10%-12%，我相信尽管目前形势如此，我们在未来几个季度肯定能轻松实现这些目标。完整采访请见，
In the previous quarter, we took CD also for ₹9,500 crore at the cost of 6.29%, and the overall cost of deposits was maintained at 4.60%, and the yield on advances was 7.87%. And with the CD ratio at 75%, we still have enough headroom for further growth. Therefore, I am sticking to the current guidance that we have given to the market regarding business growth of 10-12%, advances of 14-16%, and deposit growth of 10-12%, which I am sure we will be able to achieve easily in the coming quarters, despite the current situation. For the full interview,