Deposit growth lagging credit growth
Deposit growth of 8.18% YoY trails credit growth of 15.55%, potentially pressuring liquidity and NIM.
high · management_commentary
State Bank of India — Q1 FY25
SBI reported a modest 0.9% YoY PAT growth to INR 17,035 crore in Q1 FY25, with operating profit up 4.55% to INR 26,449 crore.
neutral
medium
✓ Verified against BSE filing
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
Elevated slippages in unsecured retail
Slippages in personal loans rose due to delayed salary credits in some states; though partly reversed, trend bears watching.
medium · analyst_questionPotential ECL provision impact
RBI's expected credit loss norms remain a consultation paper; management deflected quantification, citing it's premature.
medium · analyst_questionRegulatory scrutiny on CD ratio
RBI flagged loan growth exceeding deposit growth; management expects self-regulation but impact on growth is uncertain.
low · analyst_question