Xpress Credit growth slowdown
Xpress Credit grew only 7% YoY due to high repayments and process re-engineering; management expects double-digit growth in H2 but uncertainty remains.
medium · analyst_question
State Bank of India — Q2 FY25
SBI delivered a strong Q2 FY25 with PAT of INR 18,331 crore (+28% YoY), driven by robust credit growth of 14.93% YoY and stable asset quality (slippage ratio 0.51%, credit cost...
bullish
high
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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 SMA-1 book
SMA-1 book jumped due to a large account (INR 9,000 crore) which has since regularized, but any recurrence could impact asset quality.
medium · analyst_questionDeposit growth lagging credit growth
Deposit growth at 9.13% YoY trails credit growth of 14.93%, potentially constraining future lending if not addressed.
medium · management_commentaryTreasury income volatility
Other income boosted by trading gains and forex; sustainability depends on yield movements, which are uncertain.
low · data_observation