State Bank of India — Q3 FY26
SBI reported its highest-ever quarterly net profit of INR 21,028 crore, up 24.49% YoY, driven by strong operating profit growth of 39.54% YoY and lower credit costs of 0.29%.
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 FY26
NIM to remain above 3% in H2 FY26
Management expects domestic NIM to stay above 3% in Q3 and Q4, supported by CRR cut benefits and continued deposit repricing.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q2 FY26
OCA recovery guidance of INR 2,000 crore per quarter
The bank continues to target INR 2,000 crore per quarter in recovery from written-off accounts.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1