Elevated SMA-2 loans
SMA-2 loans increased to INR 7,424 crore from INR 1,840 crore, though management attributed most to one account that has been regularized.
SBIN / Q3-FY25 / 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
NIM compression from rate cuts
A shallow rate cut cycle could compress NIM by 2-3bps; deeper cuts may require active liability management.
Xpress Credit asset quality
Xpress Credit GNPA rose from 0.77% to 1.11% due to slowdown and digital transition; management expects double-digit growth to resume.
Forex income volatility
Forex income fell sharply due to MTM losses from USD/INR volatility; management termed it transitory but recurring risk remains.