SBI

Recovery from AUCA accounts reached ₹2,604 crores in Q3FY26, exceeding the quarterly target of ₹2,000 crores. (1 exceeded across 1 tracked commitment)

The bank delivered an ROA of 1.15% and an ROE of 20.21% for H1FY26, both exceeding the structural targets. (3 exceeded, 2 met across 5 tracked commitments)

SBI is expanding its digital moat by launching Project SARAL to automate retail operations and is building its own AI stack for underwriting and risk scoring, aiming to keep the cost-to-income ratio below 50%. (5 expanding)

SBI continues to leverage its scale, maintaining a 22.17% share of domestic deposits and 19.24% of advances. It added 14 bps of incremental loan market share YoY, specifically in high-return segments like mortgages. (5 expanding)

Credit growth is showing signs of acceleration in the second quarter after a slower start to the year, with management reporting a reversal of negative trends seen in Q1. (5 accelerating across 5 signals)

Fee income growth is accelerating significantly, jumping from 10.91% YoY in Q1FY26 compared to a much lower sequential growth rate. Cross-selling and Misc. Fee Income are the primary drivers. (5 accelerating across 5 signals)

Cost of deposits increased due to a significant shift toward fixed deposits (14% growth) and a decline in the CASA ratio. Repricing of the FD book is expected to take 8-12 months. (4 intensifying, 1 easing)

NIM compression is intensifying. Whole Bank NIM dropped to 2.90% in Q1FY26 from 3.22% in Q1FY25 (a 32 bps decline). Domestic NIM also fell 33 bps YoY to 3.02%. (2 intensifying, 2 easing, 1 stable)