Q1-FY24 · Dinesh Khara
I'm pleased to announce that for the fourth quarter and running, we have posted our highest ever quarterly profit of INR 16,884 crore.
SBIN / language trends
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Sbin · tone and specificity signals across the available quarters.
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Language signals
What changed in management language.
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Q1-FY24 · Dinesh Khara
I expect that we should be having 3.47, would be our effort to retain this kind of a NIM.
Q1-FY24 · Dinesh Khara
Our effort is going to be the CASA in the real sense of the word, lowest possible cost of resource.
Q1-FY25 · Dinesh Kumar Khara
Our effort and endeavor is to keep it at this level. I don't think it should have any significant change in the numbers.
Q1-FY25 · Dinesh Kumar Khara
We have plowed back about INR 1.14 trillion in the last three years. So that is something which is giving us the natural lever for growth.
Q1-FY25 · Dinesh Kumar Khara
I would be more than happy to grab the deposit provided the deposit is available at a cost which I would like to bear.
Q1-FY26 · Challa Sreenivasulu Setty
We combine skill with agility, innovation with prudence, and growth with inclusivity.
Q1-FY26 · Challa Sreenivasulu Setty
Our ambition is not merely to grow, but to grow profitably and sustainably.
Q1-FY26 · Challa Sreenivasulu Setty
The NIM trajectory will be U-shaped. It probably will come down in Q2... it will definitely improve from Q3 to Q4.
Q2-FY24 · Dinesh Khara
My expectation is that our margin should be around this level, or maybe it might see compression for another 3-5 basis points.
Q2-FY24 · Dinesh Khara
We have been indicating that we'll be growing at about around in the range of 14%, and I would like to surprise the market on the higher side.
Q2-FY24 · Dinesh Khara
Our gross NPA ratio has improved by 97 basis point YoY, and stands at 2.55%, and continues to be at its lowest level in more than 10 years.
Q2-FY25 · C.S. Setty
We are confident that 14%-16% credit growth rate happens.
Q2-FY25 · C.S. Setty
Our effort is to contain the cost-to-income ratio below 50%.
Q2-FY25 · C.S. Setty
We hope to maintain at least 1% ROA. Anything extra is the bonus.
Q2-FY26 · Challa Sreenivasulu Setty
State Bank of India is compounding on durable structural advantages. Scale with discipline. Growth with quality. Returns with resilience.
Q2-FY26 · Challa Sreenivasulu Setty
Our guidance still stands good that we will be above 3% in Q3 and Q4.
Q2-FY26 · Challa Sreenivasulu Setty
We are serious about listing them. The respective boards will take a call in terms of the timing, quantum.
Q3-FY24 · Dinesh Kumar Khara
My dream is that this bank should generate INR 1 trillion profit.
Q3-FY24 · Dinesh Kumar Khara
We are actually the top-notch. We are the best.
Q3-FY24 · Dinesh Kumar Khara
I actually rate ourselves as more professional than any private sector.
Q3-FY25 · Challa Sreenivasulu Setty
Our guidance in terms of the credit growth of 14% to 16%, and it's good. We will explain to you where and how we are confident about it.
Q3-FY25 · Ashwini Kumar Tewari
We have a very healthy pipeline, almost INR 483,000 crores, consisting of INR 222,000 crores, which is sanctioned, almost 800 proposals, and INR 261,000 crores under process.
Q3-FY25 · Challa Sreenivasulu Setty
Our guidance is that the NIM would be higher than 3%, and the ROE, ROA will be 1%, and more than 15% is the guidance we are sticking to it.
Q3-FY26 · Challa Sreenivasulu Setty
Our performance in the third quarter of FY 2026 reflects continuity, consistency and the enduring strength of our franchise.
Q3-FY26 · Challa Sreenivasulu Setty
We have not compromised on the margins. We have ensured that the NIM guidance, what we have given is maintained despite 13% credit growth coming from the corporate side.
Q3-FY26 · Challa Sreenivasulu Setty
Our objective is to keep the cost to income ratio below 50. I think that guidance we had earlier given, we are sticking to that guidance.
Q4-FY24 · Dinesh Kumar Khara
Our net NPA ratio has also improved by 10 basis points and stands at 0.57%.
Q4-FY24 · Dinesh Kumar Khara
We can easily grow about INR 7 trillion worth of loan book. Today, we stand at about INR 37 trillion as a loan book, so which actually translates to about 21% kind of a growth.
Q4-FY24 · Dinesh Kumar Khara
Our effort and endeavor would be to maintain NIMs around this level only.
Q4-FY25 · Challa Sreenivasulu Setty
Our idea is our focus is always to strengthen our balance sheet and also create a consistency in our performance. It's not about one quarter, we try to ensure, but our preference is that if any costs are visualized, let us take them upfront.
Q4-FY25 · Challa Sreenivasulu Setty
We strongly believe that if SBI has a growth rate of 10-11% on the balance sheet basis, which means that SBI gets doubled every six to seven years.
Q4-FY25 · Challa Sreenivasulu Setty
Our focus would be mainly on how do we increase the income, while the cost rigidity, particularly on the employee side, will remain.
Q4-FY26 · C.S. Setty
Our focus remains firmly on delivering consistent risk-adjusted returns, supported by disciplined underwriting, strong asset quality, and robust internal capital generation.
Q4-FY26 · C.S. Setty
We are sticking to our credit cost guidance of 50 basis points, even despite whatever happens on the West Asian conflict.
Q4-FY26 · C.S. Setty
We are focusing on the relationship value. For instance, this processing fee is not only coming from retail operations... we have readjusted our processing fee, not by way of increasing, but reducing the concessions.