State Bank of India
India's largest bank, period. Sovereign-grade balance sheet, ~30% of system deposits, and the lender of last resort for the economy. A public sector giant operating at the scale of a small country.
Shipping Q3 FY27
State Bank of India · FY26 story is coming.
We're decoding SBI's FY26 numbers right now — revenue mix, NIM trajectory, NPA cycle, and competitive position. Drop your email and you'll be first to read it.
What we'll cover
- Deposit dominance
- Yono digital
- Asset quality cycle
- PSL & sovereign role
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Background reading
Metrics that drive SBI's story
NIM (Net Interest Margin)
The spread between what a bank earns on loans and what it pays on deposits. The single most important profitability metric in banking — every basis point moves markets.
Read →GNPA (Gross NPA)
Gross Non-Performing Assets — loans overdue by 90+ days as a % of total advances. The number every credit analyst watches obsessively. Lower is always better.
Read →CASA Ratio
Current Account + Savings Account deposits as a % of total deposits. The higher the CASA ratio, the cheaper a bank's cost of funds — and the stronger its NIM.
Read →NNPA (Net NPA)
Gross NPA minus provisions. The 'real' bad loan number after the bank has set aside reserves. A low NNPA with high PCR = well-provisioned book.
Read →DSCR (Debt Service Coverage Ratio)
Debt Service Coverage Ratio — cash available to service debt ÷ total debt service due. DSCR below 1.0x means the borrower can't service debt from operations.
Read →