Private banks upbeat on credit growth

The private sector banks are more confident of their prospects in 2012-13 than their public sector counterparts, which are beset by rising bad loans and restructuring of assets.
HDFC Bank Ltd., ICICI Bank Ltd and Axis Bank Ltd. expected to pay loans at a faster clip than the Reserve Bank of India (RBI) 17% loan growth target, mostly on private demand, as corporate borrowers such as infrastructure and related businesses can see a slowdown this year.
ICICI Bank, India's largest private sector lender, expects 20% loan growth this year mainly due to private demand for homes and cars.
"We follow a balanced growth strategy, but next year we expect retail capacity to grow faster than they did in 2011-12 (8%). We also expect that the demand for loans for working capital and project finance," managing director and chief executive Chanda Kochhar said.
Nearest private sector rival ICICI Bank, HDFC is confident that it will grow 3-5% above the RBI's target for 2012-13.
"Both business and private will grow because a large part of working capital and related demand for loans will come. We expect a pickup in capital spending," said Paresh Sukthankar, executive director, HDFC Bank. "In retail, we saw some unusual growth last year, but this year we expect the growth of the industry and, depending on economic growth, a portion of the credit will shift to retail businesses."
Large public sector banks expect slower growth in lending.
IDBI Bank Ltd. has a loan growth target of 15%. Larger colleagues Bank of Baroda (BOB), Punjab National Bank (PNB) and Bank of India expects loans to grow by 18-19%.
State Bank of India, the country's largest lender, announced the results on Friday.
Public banks, will also depend on the demand from individuals to achieve their credit growth targets this year.
MD Mallya, chairman and managing director, BoB, said his bank's focus this year is to see that asset-liability management and credit control remain robust. "
The bank will "loan growth to reach at 1-2% above the average banking," he said.
The heads of Dena Bank, Union Bank of India and the Central Bank of India is also expected that the demand for loans will be driven by individuals.


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