State Bank of India — Q1 FY26
SBI reported a strong Q1 FY26 with net profit of INR 19,160 crore, up 12.48% YoY, driven by robust retail growth and cost containment.
bullish
high
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q4 FY25
NIM protection around 3%
Despite repo rate cuts, management aims to protect domestic NIM at around 3% through deposit rate adjustments.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q4 FY25
Cost-to-income ratio below 50-51%
Management guided to keep cost-to-income ratio below 50-51% by focusing on income growth and digital efficiencies.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1