State Bank of India — Q4 FY24
SBI delivered a strong Q4 FY24 with robust asset quality and capital position.
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.
Q3 FY24
Loan growth of 14-15% for FY24
Management expects credit growth to be in line with nominal GDP plus 3-4%, targeting 14-15% for FY24.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY24
NIM to remain stable with 2-3 bps dip
Margins expected to be maintained around current levels, with a maximum dip of 2-3 bps.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1