Q1-FY27 · C. S. Setty
We are building an institution that is not only larger in scale but also stronger in capability, more agile in execution and better equipped to support India's growth aspirations.
SBIN / language trends
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State Bank of India · tone and specificity signals across the available quarters.
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Language signals
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Q1-FY27 · C. S. Setty
The SMA 1 and SMA 2 and fresh slippages - we should not really be worried about this. Out of ₹7,000 crore slippage, we have already pulled back almost ₹1,450-1,500 crore. So there's no concern.
Q1-FY27 · C. S. Setty
This gold loan growth needs to be seen from an opportunistic point of view. This is not our core portfolio. The virtually risk weight is zero, so from that angle it is ROE accretive with a small compromise on margins and it's a safe portfolio.
Q1-FY27 · C. S. Setty
We are consciously working as a market leader to bring those structures and help this funding capability in the system to grow. The shift in household savings which has happened - this kind of growth of ₹30 lakh crore cannot be funded by the banks alone.
Q3-FY26 · CS Setty
Our ROA consistently greater than 1% and ROE at 20.68% at the end of Q3. SBI is among the very few global financial institutions capable of sustaining a ROA of over 1% at this scale with an advances book of approximately 47 trillion rupees.
Q3-FY26 · CS Setty
Scaling Yono from 10 crore registered users to 20 crore over the next 2 to 3 years is expected to support operating leverage and ROA sustainability.
Q3-FY26 · Aninda Sundar Pal
We had given the guidance that we would be having a double-digit corporate credit growth in Q3 and we hope to continue that double digit growth in the corporate side in Q4 also. We are revising our credit growth estimate to 13 to 15%.