ECL provisioning impact from new SMA norms
Proposed ECL guidelines may require higher provisioning on SMA-1 and SMA-2 accounts, though management expects limited impact due to a four-year phase-in.
SBIN / Q2-FY26 / 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
Treasury income volatility
Treasury profits fell ~50% QoQ due to absence of OMO operations; future income depends on market conditions.
Slower deposit growth industry-wide
Industry deposit growth remains sluggish at 9.5%, which could constrain credit growth if the trend persists.
Xpress Credit asset quality concerns
An analyst noted a sharp rise in GNPA for Xpress Credit; management downplayed it, citing portfolio growth, but absolute NPA levels bear watching.