Elevated SMA-2 loans
SMA-2 loans increased to INR 7,424 crore from INR 1,840 crore, though management attributed most to one account that has been regularized.
medium · analyst_question
State Bank of India — Q3 FY25
SBI reported a stellar Q3 FY25 with net profit surging 84% YoY to INR 16,891 crore, driven by robust credit growth of 13.49% YoY, industry-leading asset quality (slippage ratio...
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
NIM compression from rate cuts
A shallow rate cut cycle could compress NIM by 2-3bps; deeper cuts may require active liability management.
medium · analyst_questionXpress Credit asset quality
Xpress Credit GNPA rose from 0.77% to 1.11% due to slowdown and digital transition; management expects double-digit growth to resume.
low · analyst_questionForex income volatility
Forex income fell sharply due to MTM losses from USD/INR volatility; management termed it transitory but recurring risk remains.
low · data_observation