Margin compression from corporate loan growth
Corporate loans typically carry lower yields; rapid growth could pressure NIMs despite management's confidence in pricing discipline.
SBIN / Q3-FY26 / 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
Deposit repricing lag and cost of funds stability
Management indicated cost of funds may not decline further, and full transmission of rate cuts may not materialize, limiting margin expansion.
PSL shortfall and PSLC costs
Growth in priority sector lending may fall short, requiring costly PSLC purchases, especially in small and marginal farmer segments.
Treasury income volatility from yield movements
Hardening yields could impact MTM on HFT/FVTPL books, though management sees limited impact given small book size.