State Bank of India — Q3 FY25
SBI reported a stellar Q3 FY25 with net profit surging 84% YoY to INR 16,891 crore, driven by robust credit growth of 13.49% YoY, industry-leading asset quality (slippage ratio...
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.
Q2 FY25
Credit growth guidance of 14-16% for FY25
Management expects domestic credit growth to remain in the 14-16% range, supported by strong corporate pipeline and retail segments.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY25
Deposit growth target of 10-10.5%
Efforts to mobilize deposits through data analytics and branch-level focus aim to push deposit growth above 10%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY25
ROA to remain above 1%
Management guides for ROA of at least 1%, with potential upside from non-interest income and cost control.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY25
Credit cost to be around 50 bps
Slippage ratio expected below 60 bps and credit cost below 40 bps, with PCR at 75.66% providing buffer.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1