State Bank of India (SBIN) — concall transcript | 30 September 2024
SBI reported Q2FY25 profit of ₹18,331 crores, driven by 14.93% YoY credit growth and 9.13% deposit growth to ₹51.17 trillion, exceeding the ₹50 trillion milestone. Asset quality remains robust with netNPA at 0.53% and slippage ratio at 0.51%. Management targets 14%-16% credit growth for FY25 and expects Xpress Credit recovery through seasonal demand. Deposit strategy focuses on mobilizing funds from 33 crore targeted customers, while cross-sell revenue rose 14.4% YoY to ₹1,109 crores. Margins are stable due to 42% MCLR-linked loans, and capital adequacy stands at 13.76%.
About State Bank of India (SBIN)
Financial Services · Banks · Listed on BSE
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