State Bank of India
SBINFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
6 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (0 of 6 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| TRANSCRIPT | 20220211 | 2021-12-31 | yes | |
| TRANSCRIPT | 20220521 | 2022-03-31 | yes | |
| TRANSCRIPT | 20220811 | 2022-06-30 | yes | |
| ANALYST_MEET | 20230209 | 2022-12-31 | yes | |
| ANALYST_MEET | 20230524 | 2023-03-31 | yes | |
| ANALYST_MEET | 20230809 | 2023-06-30 | yes | |
| ANALYST_MEET | 20241116 | 2024-09-30 | yes | |
| ANALYST_MEET | 20251112 | 2025-09-30 | yes | |
| ANALYST_MEET | 20260813 | 2026-06-30 | yes |
SBIN
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | consolidated |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 978.50 |
| 52-week range | 856.95 – 1227.8 |
| Return 1M | -6.63% |
| Return 3M | -6.4% |
| Return 1Y | 12.96% |
| Return 3Y | 64.72% |
| Return 5Y | 122.01% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2026-06-30
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 136,240.00 |
| Interest on advances and bills | 96,827.00 |
| Income on investments | 34,531.00 |
| Interest on balances with the RBI and interbank funds | 1,847.00 |
| Other interest | 3,035.00 |
| Interest expended | 82,248.00 |
| Other income | 43,821.00 |
| Total income | 180,062.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.55 | -0.00 |
| institutions foreign | 0.11 | -0.01 |
| institutions domestic | 0.27 | 0.00 |
| mutual funds | 0.14 | 0.00 |
| public | 0.45 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| ANALYST_MEET | 2026-06-30 | 6 |
| TRANSCRIPT | 2022-06-30 | 3 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Net cash from operating activities | -109,183.00 | 54,714.00 | 21,632.00 | 35,618.00 | 48,486.00 | 53,753.00 | 38,097.00 |
| Net cash from investing activities | -1,351.00 | -1,964.00 | -4,252.00 | -2,494.00 | -5,635.00 | 4,616.00 | -691.00 |
| Net cash from financing activities | 13,900.00 | -9,134.00 | -9,896.00 | -6,562.00 | -13,739.00 | -6,583.00 | -3,427.00 |
| Purchase of property, plant and equipment | 1,407.00 | 1,888.00 | 4,175.00 | 2,495.00 | 5,637.00 | 3,055.00 | 8,363.00 |
| Net increase in cash | -95,725.00 | 43,943.00 | 8,260.00 | 28,400.00 | 31,361.00 | 55,711.00 | 43,910.00 |
| con:CFO.BEFORE_TAX | -108,822.00 | 69,879.00 | 52,901.00 | 47,061.00 | 82,248.00 | 65,816.00 | 74,420.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | -550.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | -189.00 | 14,537.00 | 31,268.00 | 11,443.00 | 33,761.00 | 12,063.00 | 36,323.00 |
| con:CF_OTHER.OPERATING | 0.00 | -629.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 12.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | -7.00 | 0.00 | 7,779.00 | 7,779.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 82.00 | 82.00 | 0.00 | -1.00 | 108.00 | 108.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-09-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 84,463.00 | 107,391.00 | 112,868.00 | 117,469.00 | 118,242.00 | 121,045.00 | 124,654.00 | 126,997.00 | 125,729.00 | 128,040.00 | 130,590.00 | 131,080.00 | 136,240.00 |
| Interest on advances and bills | 54,155.00 | 72,535.00 | 75,881.00 | 79,610.00 | 81,212.00 | 84,081.00 | 86,034.00 | 88,353.00 | 88,146.00 | 88,994.00 | 91,881.00 | 92,043.00 | 96,827.00 |
| Income on investments | 26,392.00 | 30,525.00 | 31,882.00 | 31,816.00 | 32,080.00 | 32,199.00 | 33,246.00 | 33,620.00 | 32,226.00 | 33,268.00 | 33,062.00 | 33,399.00 | 34,531.00 |
| Interest on balances with the RBI and interbank funds | 826.00 | 1,457.00 | 1,551.00 | 1,455.00 | 1,400.00 | 1,381.00 | 1,838.00 | 1,619.00 | 2,360.00 | 2,199.00 | 1,750.00 | 1,690.00 | 1,847.00 |
| Other interest | 3,090.00 | 2,873.00 | 3,554.00 | 4,589.00 | 3,551.00 | 3,384.00 | 3,536.00 | 3,406.00 | 2,997.00 | 3,580.00 | 3,897.00 | 3,947.00 | 3,035.00 |
| Interest expended | 45,232.00 | 62,955.00 | 68,092.00 | 70,644.00 | 71,701.00 | 73,619.00 | 77,397.00 | 78,227.00 | 78,266.00 | 78,002.00 | 78,783.00 | 79,953.00 | 82,248.00 |
| Other income | 30,320.00 | 36,865.00 | 40,203.00 | 47,445.00 | 33,883.00 | 42,758.00 | 43,200.00 | 52,565.00 | 41,263.00 | 47,857.00 | 55,059.00 | 49,999.00 | 43,821.00 |
| Total income | 114,782.00 | 144,256.00 | 153,072.00 | 164,914.00 | 152,125.00 | 163,802.00 | 167,854.00 | 179,562.00 | 166,992.00 | 175,898.00 | 185,648.00 | 181,079.00 | 180,062.00 |
| Employee benefit expense | 13,965.00 | 20,226.00 | 20,776.00 | 17,760.00 | 16,847.00 | 16,293.00 | 17,668.00 | 19,587.00 | 18,491.00 | 18,346.00 | 18,024.00 | 17,907.00 | 19,219.00 |
| Operating expenses | 45,777.00 | 58,598.00 | 61,190.00 | 63,027.00 | 49,589.00 | 57,123.00 | 62,892.00 | 66,969.00 | 54,233.00 | 65,778.00 | 71,251.00 | 71,389.00 | 59,183.00 |
| Expenditure excluding provisions and contingencies | 91,009.00 | 121,553.00 | 129,282.00 | 133,671.00 | 121,290.00 | 130,742.00 | 140,289.00 | 145,196.00 | 132,499.00 | 143,781.00 | 150,033.00 | 151,342.00 | 141,430.00 |
| Operating profit before provisions | 23,773.00 | 22,703.00 | 23,790.00 | 31,243.00 | 30,835.00 | 33,060.00 | 27,565.00 | 34,366.00 | 34,493.00 | 32,117.00 | 35,615.00 | 29,737.00 | 38,632.00 |
| Provisions and contingencies | 3,431.00 | 768.00 | 1,445.00 | 2,392.00 | 4,408.00 | 5,586.00 | 1,998.00 | 7,470.00 | 5,264.00 | 6,487.00 | 5,548.00 | 3,661.00 | 5,748.00 |
| Exceptional items | 0.00 | 0.00 | -7,100.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3,027.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 20,342.00 | 21,936.00 | 15,245.00 | 28,852.00 | 26,428.00 | 27,474.00 | 25,566.00 | 26,897.00 | 29,229.00 | 28,657.00 | 30,067.00 | 26,076.00 | 32,884.00 |
| Tax expense | 5,325.00 | 5,553.00 | 3,962.00 | 7,115.00 | 6,747.00 | 7,255.00 | 6,391.00 | 6,955.00 | 7,602.00 | 7,152.00 | 8,191.00 | 5,914.00 | 8,305.00 |
| Profit for the period | 15,017.00 | 16,383.00 | 11,283.00 | 21,736.00 | 19,681.00 | 20,220.00 | 19,175.00 | 19,941.00 | 21,627.00 | 21,504.00 | 21,876.00 | 20,161.00 | 24,579.00 |
| Profit attributable to owners | 14,752.00 | 16,100.00 | 11,064.00 | 21,384.00 | 19,325.00 | 19,783.00 | 18,853.00 | 19,600.00 | 21,201.00 | 21,137.00 | 21,317.00 | 19,643.00 | 24,113.00 |
| Profit attributable to non-controlling interests | 545.00 | 548.00 | 534.00 | 819.00 | 769.00 | 782.00 | 631.00 | 779.00 | 920.00 | 723.00 | 859.00 | 865.00 | 1,008.00 |
| con:SHARE_OF_ASSOCIATES | 279.00 | 265.00 | 316.00 | 466.00 | 414.00 | 345.00 | 308.00 | 438.00 | 495.00 | 356.00 | 300.00 | 347.00 | 542.00 |
| Earnings per share, basic | 16.53 | 18.04 | 12.40 | 23.96 | 21.65 | 22.17 | 21.12 | 21.96 | 23.76 | 22.81 | 23.09 | 21.28 | 26.12 |
| Earnings per share, diluted | 16.53 | 18.04 | 12.40 | 23.96 | 21.65 | 22.17 | 21.12 | 21.96 | 23.76 | 22.81 | 23.09 | 21.28 | 26.12 |
Annual results, as filed
| Line | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|
| Interest earned | 439,189.00 | 490,938.00 | 514,933.00 |
| Interest on advances and bills | 297,310.00 | 340,977.00 | 361,064.00 |
| Income on investments | 122,378.00 | 131,144.00 | 131,954.00 |
| Interest on balances with the RBI and interbank funds | 5,942.00 | 6,238.00 | 7,999.00 |
| Other interest | 13,558.00 | 12,580.00 | 13,915.00 |
| Interest expended | 259,736.00 | 300,943.00 | 315,005.00 |
| Other income | 155,386.00 | 172,406.00 | 194,684.00 |
| Total income | 594,575.00 | 663,343.00 | 709,617.00 |
| Employee benefit expense | 76,571.00 | 70,396.00 | 72,768.00 |
| Operating expenses | 228,794.00 | 236,574.00 | 262,650.00 |
| Expenditure excluding provisions and contingencies | 488,530.00 | 537,517.00 | 577,655.00 |
| Operating profit before provisions | 106,045.00 | 125,826.00 | 131,962.00 |
| Provisions and contingencies | 7,705.00 | 19,461.00 | 20,960.00 |
| Profit before exceptional items and tax | — | 106,365.00 | 114,028.00 |
| Exceptional items | -7,100.00 | 0.00 | 3,027.00 |
| Profit before tax | 91,240.00 | 106,365.00 | 114,028.00 |
| Tax expense | 23,102.00 | 27,348.00 | 28,860.00 |
| Profit for the period | 68,138.00 | 79,017.00 | 85,168.00 |
| Profit attributable to owners | 67,085.00 | 77,561.00 | 83,299.00 |
| Profit attributable to non-controlling interests | 2,459.00 | 2,961.00 | 3,367.00 |
| con:SHARE_OF_ASSOCIATES | 1,405.00 | 1,505.00 | 1,497.00 |
| Earnings per share, basic | 75.17 | 86.91 | 91.16 |
| Earnings per share, diluted | 75.17 | 86.91 | 91.16 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 | 2025-09-30 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Capital | 892.00 | 892.00 | 892.00 | 892.00 | 892.00 | 923.00 | 923.00 |
| Reserves and surplus | 332,231.00 | 407,566.00 | 429,665.00 | 479,919.00 | 504,170.00 | 588,002.00 | 613,976.00 |
| Deposits | 4,230,342.00 | 4,736,555.00 | 4,966,537.00 | 5,171,743.00 | 5,439,898.00 | 5,655,559.00 | 6,043,097.00 |
| Borrowings | 515,722.00 | 547,899.00 | 639,610.00 | 606,663.00 | 610,857.00 | 650,303.00 | 777,302.00 |
| Other liabilities and provisions | 522,503.00 | 624,140.00 | 697,075.00 | 704,118.00 | 758,367.00 | 778,612.00 | 886,270.00 |
| Total equity and liabilities | 5,601,691.00 | 6,317,053.00 | 6,733,779.00 | 6,963,335.00 | 7,314,185.00 | 7,673,400.00 | 8,321,569.00 |
| Cash and balances with the RBI | 234,104.00 | 260,346.00 | 225,356.00 | 264,389.00 | 227,485.00 | 273,477.00 | 268,682.00 |
| Balances with banks and money at call | 69,076.00 | 101,909.00 | 101,216.00 | 90,583.00 | 130,448.00 | 140,166.00 | 133,161.00 |
| Investments | 1,868,681.00 | 2,079,532.00 | 2,110,548.00 | 2,162,001.00 | 2,205,601.00 | 2,276,621.00 | 2,359,502.00 |
| Advances | 3,015,270.00 | 3,418,175.00 | 3,784,273.00 | 3,943,994.00 | 4,250,831.00 | 4,457,752.00 | 4,978,013.00 |
| Property, plant and equipment | 43,608.00 | 44,386.00 | 44,708.00 | 45,239.00 | 46,338.00 | 54,362.00 | 57,152.00 |
| Other assets | 370,953.00 | 412,704.00 | 467,677.00 | 457,130.00 | 453,483.00 | 471,020.00 | 525,058.00 |
| Total assets | 5,601,691.00 | 6,317,053.00 | 6,733,779.00 | 6,963,335.00 | 7,314,185.00 | 7,673,400.00 | 8,321,569.00 |
Asset quality and capital, as filed
| Line | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net non-performing assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 | 2025-06-30 | 2025-07-21 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 57.47 | 57.49 | 57.49 | 57.54 | 57.54 | 57.51 | 57.43 | 57.43 | 57.42 | 55.50 | 0.56 | 0.56 | 0.56 | 0.55 |
| Domestic institutions | 24.83 | 24.36 | 24.16 | 23.96 | 23.61 | 24.09 | 24.92 | 25.05 | 25.67 | 27.22 | 0.28 | 0.27 | 0.26 | 0.27 |
| Mutual funds | — | — | — | — | — | — | — | — | 13.02 | 13.83 | 0.14 | 0.14 | 0.13 | 0.14 |
| Insurance companies | 10.48 | 10.48 | 10.48 | 10.36 | 10.40 | 10.64 | 10.51 | 10.75 | 10.47 | 11.13 | 0.11 | 0.11 | 0.10 | 0.10 |
| Foreign institutions | 10.36 | 10.72 | 10.92 | 11.09 | 11.16 | 10.71 | 10.28 | 9.95 | 9.33 | 9.98 | 0.10 | 0.10 | 0.11 | 0.11 |
| Government | — | — | — | — | — | — | — | — | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 42.53 | 42.51 | 42.51 | 42.46 | 42.46 | 42.49 | 42.57 | 42.57 | 42.58 | 44.50 | 0.45 | 0.45 | 0.44 | 0.45 |
| Non-institutional | 7.30 | 7.40 | 7.40 | 7.38 | 7.67 | 7.67 | 7.35 | 7.56 | 7.56 | 7.28 | 0.07 | 0.07 | 0.07 | 0.07 |
| Shares outstanding | 8838780614 | 8836247264 | 8835546374 | 8828723264 | 8828928204 | 8833002804 | 8844445664 | 8844832564 | 8847013874 | 9152847416 | 9152974116 | 9152330176 | 9149082766 | 9158061796 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| Yes Bank Limited | Associates | Any other transaction, Purchase of goods or services | 8,151,000,000.00 | 15 |
| The Clearing Corporation of India Ltd. | Associates | Any other transaction, Purchase of goods or services | 1,059,400,000.00 | 13 |
| Investec Capital Services (India) Private Limited | Associates | Any other transaction, Purchase of goods or services | 171,300,000.00 | 3 |
| C-Edge Technologies Ltd. | Joint Venture | Any other transaction | 82,700,000.00 | 6 |
| Key Management Personnel | Key Management Personnel | Remuneration | 16,100,000.00 | 1 |
| Oman India Joint Investment Fund - Management Company Pvt. | Joint Venture | Any other transaction, Sale of goods or services | 10,600,000.00 | 2 |
| Macquarie SBI Infrastructure Management Pte. Ltd. | Joint Venture | Any other transaction | 1,600,000.00 | 1 |
| Oman India Joint Investment Fund - Trustee Company Pvt. Ltd | Joint Venture | Any other transaction | 100,000.00 | 1 |
| Macquarie SBI Infrastructure Trustee Ltd. | Joint Venture | Sale of goods or services | 0.00 | 1 |
| SBI Macquarie Infrastructure Trustee Pvt. Ltd. | Joint Venture | Sale of goods or services | 0.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2023-08-09 | Q1FY24 | MR. ALOK KUMAR CHOUDHARY, MR. SANJAY KAPOOR, MRS. SALONI NARAYAN | Read the call |
| 2023-05-24 | Q4FY23 | CHIEF FINANCIAL OFFICER, DEPUTY MANAGING DIRECTOR (FINANCE), MR. SWAMINATHAN J | Read the call |
| 2023-02-09 | Q3FY23 | CHIEF FINANCIAL OFFICER, DEPUTY MANAGING DIRECTOR (FINANCE), MR. SWAMINATHAN J | Read the call |
| 2022-08-11 | Q1FY23 | CHIEF FINANCIAL OFFICER, DEPUTY MANAGING DIRECTOR (FINANCE), MR. SWAMINATHAN J | Read the call |
| 2022-05-21 | Q4FY22 | CHIEF FINANCIAL OFFICER, DEPUTY MANAGING DIRECTOR (FINANCE), MR. ASHWINI KUMAR TEWARI, PLA | Read the call |
| 2022-02-11 | Q3FY22 | CHIEF FINANCIAL OFFICER, DEPUTY MANAGING DIRECTOR (FINANCE), MR. ASHWINI KUMAR TEWARI, Mah | Read the call |
What they said about it, quarter by quarter
| Topic | Q1FY23 | Q1FY24 | Q3FY22 | Q3FY23 | Q4FY22 | Q4FY23 |
|---|---|---|---|---|---|---|
| Capex | — | — | So, now how do you see the outlook given maybe government is also putting a lot of trust on CAPEX and overall how would we participate in terms of the… | — | — | — |
| Capital allocation | Actually when it comes to various acquisition expense, it is essentially on account of the home loans as one and also the PSLC certificates which you … | And both the ratios are well above the regulatory requirement. - Here in I would like to add with the with the current capital adequacy, with the curr… | — | — | I am happy to announce equity dividend of 710% that is Rs. | CET-1 Ratio has improved by 33 bps to be at 10.27%, and both the ratios are well above the regulatory requirements. − Digital continues to be an impor… |
| Costs | — | — | — | — | Would you be able to specify what is the cost that you actually incur on having a savings account for which a 2.5% is for (Inaudible) 59.20? | — |
| Debt and cash | We hope so because if I look at the underutilization of the working capital limit in the corporate accounts, which is almost as a whole Rs. | State Bank of India Aug 04, 2023 - Mr. Dinesh Khara – Chairman, State Bank of India: - This is what I wanted to say that when we recon slippages, we d… | So, firstly in terms of the overall growth on the corporate side, so last couple of quarters, we have been highlighting that there would be utilizatio… | I mean, one positive trend which I must mention is relating to the availment of term loans and the non- availment of term loan has come down quite a l… | See as far as what we have observed is that our working capital unutilized limits are about Rs. | — |
| Demand | So, do you think the credit demand is healthy enough to absorb this increase of 140 basis point rate or do you think that State Bank of India August 0… | Looking ahead, real GDP growth is expected at 6.5% in financial year 24, aided by the government's thrust on infrastructure spending, traction in dome… | — | And you mentioned a decent amount of pipeline which is there, which could be disbursed. | — | As you are all aware, the global economy is passing through various uncertain times with the cumulative impact of adverse shocks of the past 3 years, … |
| Guidance | So, sir, now going forward now with this 50-basis point again further rise, what do we expect on the Treasury front going forward in the next 3 quarte… | As demand for credit continues, we expect credit and deposit may grow up by 14 to 15% in financial year 24. - In the above economic backdrop, let me n… | As credit growth picks up we expect the profitability ratios to improve further. | And I think we will be in a position to give some guidance as we move further. | RBI has lowered the Financial Year 2023 GDP growth forecast to 7.2% from the earlier guidance of 7.8% while possible upside could emanate from the sus… | In the union budget for FY24, several steps have been announced to push up the capital investment in the country, which will actually boost the credit… |
| Margin | What would be your margin outlook incrementally? | So there is a difference between what you show on slide no 22 and what you show on the slide no. 15, particularly in the first quarter even if you loo… | — | I think this quarter also, we have seen a meaningful margin uptick. | — | − So, you don't see any risk to the margin to sustain − Mr. Dinesh Khara – Chairman, State Bank of India: − Sorry? − |
| People | — | What is the attrition in the market, State Bank of India Aug 04, 2023 the people who are going to serve, the marketing people, the servicing people, I… | — | And this is usual repayment as well as the reduced utilization in couple of accounts. | — | — |
| Pricing | But when it comes to the final pricing, the risk spread accordingly gets adjusted depending upon the risk appetite and the market dynamics. | And in terms of excess SLR now what is the….. - Mr. Dinesh Khara – Chairman, State Bank of India: - We have got excess SLR to the tune of 4 trillion. … | So do you visualize the situation given hardening rates, that in the next two to three months we’ll have to increase your savings rate, because if you… | — | Pricing I think the way I do not visualize any pressure on pricing as far as our SME book is concerned. | State Bank of India May 18, 2023 − Sir, my question, I'm taking from your comment about the credit growth will continue with some moderation in FY24, … |
| Revenue growth | — | We consider it as a privilege to be able to contribute towards the growth of our economy. | So, we saw a growth of 5% on 5.5% on loan book side but NII on the declining side so any one off in the previous quarter to this quarter sir, can you … | And at 14.5 we have made some rough assessments, and it indicates that we can support the loan growth of at least 7 trillion. | We are proud to be part of SBI and consider it as a privilege to be able to contribute towards the growth of our economy and the Bank. | Despite the increase in interest rate and its transmission, credit growth has continued to grow in double-digit and has been broad based across all th… |
What they said they would do
Sentences in which management set an expectation. Each names the speaker and the page of the transcript it came from.
| Date | Quarter | Who | What they said |
|---|---|---|---|
| 2022-05-21 | Q4FY22 | MR. ASHWINI KUMAR TEWARI | RBI has lowered the Financial Year 2023 GDP growth forecast to 7.2% from the earlier guidance of 7.8% while possible upside could emanate from the sustained domestic demand, government thrust on CAPEX, a normal monsoon and healthier corporate balance sheets. |
| 2023-08-09 | Q1FY24 | MR. SANJAY KAPOOR | As demand for credit continues, we expect credit and deposit may grow up by 14 to 15% in financial year 24. - In the above economic backdrop, let me now highlight a few of the key aspects of the bank's performance in financial year 24, quarter one of the financial year 24. |