Potential RBI risk weight increase on unsecured loans
RBI may increase risk weights on small-ticket unsecured loans (below INR 50,000), which could impact capital requirements, though SBI's exposure is minimal.
SBIN / Q2-FY24 / risks
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Sbin · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Wage revision cost overrun
If wage settlement exceeds the assumed 14%, additional monthly cost of ~INR 100 crore per 1% increase could pressure operating expenses.
Margin compression from deposit repricing
Domestic NIM may compress further by 3-5bps as deposit costs continue to reprice, though management expects stabilization.
Geopolitical risks impacting overseas book
Global uncertainties and Middle East conflict could affect the international loan book, though management is focusing on stable geographies.