SBINState Bank of India Forensic Risk Analysis
Early signs of pressure are emerging in asset quality. Pressure has stabilized in solvency. This suggests the risk profile is currently stabilizing. No major change in risk trend.
Score WaterfallAbsolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.
Investment Risk Thesis
Current risk score has risen from 24 → 34 over 13 quarters.
- CAR Decay
- NIM Compression
- Operating profit margins
Active Risk Objects (2)
"Early signs of capital erosion. Internal accruals are not enough to support loan growth."
"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."
Correlation AnalysisVisualizing the relationship between stock price movement and structural risk objects.
The risk profile is Early Signals and currently consolidating. Recent structural triggers in solvency suggest a building pressure on the underlying framework. Material forensic traces are visible in solvency ratios and structural leverage, indicating a progressive erosion of structural stability. Continued monitoring is necessary as risk levels remain above institutional safety parameters.
Stage 4 — Declining
The company is in a defensive phase. Sentiment and fundamentals are deteriorating under persistent downward pressure, indicating elevated risk levels.
PEER COMPARISON
Ranked comparison against sector peers
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* Peer comparison is based on risk signals, not valuation or returns.
Risk Profiles
Deterioration Timeline
CAR Decay
CAR Decay
CAR Decay
CAR Decay
CAR Decay
CAR Decay
NIM Compression
CAR Decay
NIM Compression
CAR Decay
CAR Decay
NIM Compression
CAR Decay
NIM Compression
CAR Decay
CAR Decay