State Bank of India — Q4 FY25
SBI reported FY25 net profit of INR 70,901 crore, up 16.08% YoY, driven by strong credit growth of 12% and stable asset quality with slippage ratio of 0.55%.
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 FY25
Credit growth of 14-16% for FY25
Management reiterated guidance of 14-16% credit growth for FY25, supported by strong corporate pipeline and retail momentum.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY25
Deposit growth of ~10% for FY25
Deposit growth guidance revised to ~10% for FY25, with focus on improving CASA mix.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY25
NIM above 3%
Management guided NIM to remain above 3% going forward, despite rate cut expectations.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1