Elevated wage cost trajectory
Staff costs remain high due to wage revision and pension liabilities; management expects productivity gains to offset but execution risk exists.
SBIN / Q3-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
NIM compression from deposit repricing
Deposit repricing at higher rates has pressured NIM; further compression could occur if competition intensifies.
Capital adequacy pressure from growth
Strong loan growth may require capital raising if ROE does not outpace growth; management open to equity issuance.
Uncertainty in NCLT recoveries
Recoveries from NCLT are unpredictable and depend on consortium decisions; no major lumpy recoveries expected.