Deposit growth lagging credit growth
Deposit growth of 8.18% YoY trails credit growth of 15.55%, potentially pressuring liquidity and NIM.
SBIN / Q1-FY25 / risks
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Sbin · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
Elevated slippages in unsecured retail
Slippages in personal loans rose due to delayed salary credits in some states; though partly reversed, trend bears watching.
Potential ECL provision impact
RBI's expected credit loss norms remain a consultation paper; management deflected quantification, citing it's premature.
Regulatory scrutiny on CD ratio
RBI flagged loan growth exceeding deposit growth; management expects self-regulation but impact on growth is uncertain.