Analysis published 18 May 2026

AI-generated · cited to primary sources · not investment advice

SBI (500112) Nov 2025 Filing Analysis

01 · Management Credibility

Does management do what it says?

ExceededNPA Resolution and Recovery Discipline
90/100

The slippage ratio for the quarter was contained at 0.40%, well below the 0.6% guidance. (2 met, 1 exceeded across 3 tracked commitments)

And AUCA recovery, Chairman's guidance was 2000 crores per quarter, we have done 2400 crores and the guidance continues.

SBI · Concall Transcript · Nov 2025 · p.7
In progressGovernment Ownership and Governance
60/100

The bank completed a ₹25,000 crore QIP in July 2025. Management notes the current CRAR buffer can support ~₹12.4 lakh crore of credit growth. (1 in progress across 1 tracked commitment)

The CRAR buffer of 3.39% above regulatory requirement can support credit growth of ~₹12.4 lakh crore

SBI · Investor PPT · Nov 2025 · p.32

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