印度Shriram Finance周五披露，其黄金贷款组合在第二季度不良贷款上升，跟进同业发出信号，显示这一快速增长的放贷板块承压，尽管其整体利润超出分析师预期。
India’s Shriram Finance reported a rise in bad loans in its gold loan portfolio in the second quarter on Friday, joining peers in signalling pressure in the fast-growing lending segment, even as it beat analysts’ estimate for overall profit.
随着银行和非银行放贷机构看重借款人黄金提供的担保，印度黄金抵押放贷业务快速增长。然而，增长速度也暴露出局部压力，近期已被头部非银行放贷机构标示。
Gold-backed lending has grown rapidly in India as banks and non-bank lenders bet on the security offered by borrowers’ gold. The pace of growth, however, has exposed pockets of stress, recently flagged by top non-bank lenders.
拥有近900亿卢比黄金贷款账面规模的Shriram Finance表示，该板块第三阶段毛贷款占黄金贷款总额比例升至3.12%，高于上一季度的2.57%和去年同期的2.28%。第三阶段贷款指逾期超过90天的贷款。这家非银行放贷机构股价收盘下跌4%，报865卢比。
Shriram Finance, which has a gold loan book of nearly 90 billion rupees, said gross stage 3 loans in the segment rose to 3.12% of total gold loans, from 2.57% in the previous quarter and 2.28% a year earlier. Stage 3 loans are those that are overdue for more than 90 days. Shares of the non-bank lender settled 4% lower at 865 rupees.
本周早些时候，Bajaj Finance警示逾期30天以上贷款上升，部分源于其已停止提供的短期黄金贷款。Piramal Finance也已将黄金贷款快速扩张确定为新兴风险领域。
Earlier this week, Bajaj Finance flagged a rise in loans overdue by more than 30 days, partly driven by short-term gold loans that it has since stopped offering. Piramal Finance has also identified the rapid expansion of gold loans as an emerging area of risk.
Shriram Finance报告，截至9月30日季度的独立利润为367.7亿卢比（约3.873亿美元），去年同期为230.7亿卢比。
Shriram Finance reported standalone profit of 36.77 billion rupees ($387.30 million) for the quarter ended September 30, compared with 23.07 billion rupees a year earlier.
根据LSEG汇编数据，分析师此前预估利润为354.6亿卢比。
Analysts had estimated a profit of 35.46 billion rupees, according to data compiled by LSEG.
印度非银行金融板块第二季度贷款增长强劲，得益于零售和企业板块稳健的信贷需求。
Loan growth for India’s non-banking finance sector was strong in the second quarter, supported by steady credit demand across retail and business segments.
Shriram Finance管理资产规模同比增长17%，增至3.29万亿卢比。
Shriram Finance‘s assets under management rose 17% year-on-year to 3.29 trillion rupees.