Q1-FY27 · Salila Pande
As of now SBI card is the second largest credit card player in terms of cards in force, spends as well as transactions.
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Q1-FY27 · Salila Pande
Our gross credit cost has improved by 116 basis points quarter over quarter and 301 basis points year-over-year to 6.5%. Continuing the reducing trend over the last one year, gross NPA has reduced by 36 basis points quarter over quarter and 102 basis points year-over-year to 2.04%.
Q1-FY27 · Salila Pande
Our strong market position with 18.6% market share in cards in force and 19.5% share in card spends reinforces confidence in our strategy and our ability to deliver sustainable growth.
Q2-FY26 · Salila Pande
We are anticipating decline in the write-off numbers, looking at the stocks, looking at the flow rates, and also we will see reduction in the gross credit cost. I can say it'll be below nine.
Q2-FY26 · Salila Pande
Our focus is essentially to get the credit cost down to a reasonable number before we start looking at the growth parameters. As of now, for the next at least two to three quarters, our focus is essentially to get the credit cost down.
Q2-FY26 · Rashmi
Corporate card side, the asset is hardly anything. So actually ROA is very, very high. However, in this, the income as we have earlier also indicated, the revenue is essentially the interchange and part of that interchange goes back to the customer as cashback. So hence it just skews the opex to sign issues.
Q3-FY26 · Saloni Pande
We ultimately have to ultimately the customer as well as the business that we do has to be profitable. So we are having a calibrated approach and but this is something that we will continue to do that we are not going to grow recklessly. We'll grow where we see merit and where we see value.
Q3-FY26 · Girish Sapra
Asset growth will lag spends growth in next year. At least for next year. We are seeing overall in the portfolio also that as we've been seeing that we see more customers are also more aware and becoming more of transactive. So as we start building up in terms of the portfolio in terms of the new cards and the spend start going ultimately they will culminate into asset growth.
Q3-FY26 · Girish Sapra
The idea is how do we optimize the profits so that we have the right optimal margins and also ensure that the riskiness of the customer is to the extent where we are not seeing substantial losses.