Xpress Credit growth slowdown
Xpress Credit grew only 7% YoY due to high repayments and process re-engineering; management expects double-digit growth in H2 but uncertainty remains.
SBIN / Q2-FY25 / 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
Elevated SMA-1 book
SMA-1 book jumped due to a large account (INR 9,000 crore) which has since regularized, but any recurrence could impact asset quality.
Deposit growth lagging credit growth
Deposit growth at 9.13% YoY trails credit growth of 14.93%, potentially constraining future lending if not addressed.
Treasury income volatility
Other income boosted by trading gains and forex; sustainability depends on yield movements, which are uncertain.