• Growth and profitability: Following 16% to 17% credit growth and a quarterly profit of ₹19,684 crore, SBI guided for 13% to 15% credit growth and reaffirmed its targets of 1% ROA and NIM above 3% through FY27.
• Deposit mobilization strategy: Addressing the structural shift of household savings into mutual funds and insurance, SBI launched the "ABCD" (All Branches to Contribute to Deposits) campaign across its 23,000 branches and noted that banks may increasingly rely on bond issuances over the next 5 to 10 years.
• Interest rate outlook: Management expects the repo rate to remain stable throughout the year, stabilizing both loan and deposit rates while adjusting corporate loan pricing to protect net interest income.
• Affordable housing policy: SBI is holding informal discussions with the government to revise the definition of affordable housing, specifically advocating for adjustments to carpet area and investment limits due to rising construction costs.