State Bank of India — Q2 FY25
SBI delivered a strong Q2 FY25 with PAT of INR 18,331 crore (+28% YoY), driven by robust credit growth of 14.93% YoY and stable asset quality (slippage ratio 0.51%, credit cost...
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.
Q1 FY25
NIM to remain stable within ±10 bps
Management expects net interest margin to stay near current levels, with variation not exceeding 10 bps.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
Credit cost guidance of ~0.50%
Sustainable credit cost expected to be around 0.50% going forward.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
CD ratio target of 70-72%
Credit-deposit ratio expected to be around 70%, potentially rising to 72%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1