RBI provisioning norms on project loans
RBI's discussion paper on higher provisioning for project loans could increase credit costs, though management believes it can be absorbed.
SBIN / Q4-FY24 / risks
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Material risks this quarter
medium
CASA growth slowdown
CASA ratio declined 280 bps due to shift to term deposits; current account growth was only 2% YoY, pressuring margins.
Competitive intensity in corporate lending
Intense competition from private and public sector banks may pressure yields and loan growth in the corporate segment.
Potential equity dilution if growth accelerates
Management left open the possibility of raising equity if loan growth exceeds 21%, which could dilute existing shareholders.