Potential RBI risk weight increase on unsecured loans
RBI may increase risk weights on small-ticket unsecured loans (below INR 50,000), which could impact capital requirements, though SBI's exposure is minimal.
medium · analyst_question
State Bank of India — Q2 FY24
SBI reported Q2 FY24 PAT of INR 14,330 crore (+8% YoY), with domestic NIM at 3.43% (down 12bps YoY) due to higher deposit costs.
bullish
high
✓ 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
Wage revision cost overrun
If wage settlement exceeds the assumed 14%, additional monthly cost of ~INR 100 crore per 1% increase could pressure operating expenses.
medium · management_commentaryMargin compression from deposit repricing
Domestic NIM may compress further by 3-5bps as deposit costs continue to reprice, though management expects stabilization.
low · management_commentaryGeopolitical risks impacting overseas book
Global uncertainties and Middle East conflict could affect the international loan book, though management is focusing on stable geographies.
low · data_observation