Xpress Credit asset quality deterioration
GNPA in Xpress Credit rose to 1.2% on a flat book, though management attributes it to base effect and expects stabilization.
SBIN / Q1-FY26 / 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
medium
Global tariff uncertainty impact
Supply chain disruptions from US tariffs could affect working capital and credit quality in export-oriented sectors, though SBI's direct exposure is minimal.
NIM compression in near term
NIM may decline further in Q2 before recovering, driven by deposit repricing lag and CASA ratio decline.
Competition in corporate lending
Prepayments of INR 12,000 crore and shift to CP market by corporates indicate pricing pressure, potentially limiting corporate credit growth.