NIM compression from repo rate cuts
Further repo rate cuts could pressure net interest margins, though management expects to mitigate via deposit rate adjustments.
SBIN / Q4-FY25 / risks
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Material risks this quarter
medium
Bhushan Power & Steel Supreme Court judgment impact
Supreme Court ruling on Bhushan Power & Steel could impact recoveries; management is studying the order and potential implications.
Corporate loan prepayment risk
Unexpected prepayments from PSUs impacted corporate credit growth in Q4; similar deleveraging could recur.
Elevated provisions in Q4 impacting quarterly profit
Higher provisions (including PLI and aging provisions) led to a 10% YoY decline in Q4 PAT, which may raise concerns about earnings volatility.