State Bank Of India
Public Sector · NSE SBIN · Market cap ₹9,28,554
Latest FY FY2026
Loan growth
17.1%
Deposit growth
11.1%
NIM
2.9%
9th pctile
ROA
1.1%
ROE
14.9%
Gross NPA
1.5%
0th pctile
P/B
1.61x
80th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 17.1% | 17.7% | -0.6pp | — |
| Deposit growth | 11.1% | 13.4% | -2.3pp | — |
| CASA | 39.2% | 32.7% | +6.5pp | 6th |
| NIM | 2.9% | 3.6% | -0.7pp | 9th |
| ROA | 1.1% | 1.1% | 0.0pp | — |
| ROE | 14.9% | 12.4% | +2.5pp | — |
| Gross NPA | 1.5% | 1.9% | -0.4pp | 0th |
| Credit cost | 1.1% | 1.3% | -0.2pp | — |
| Cost/income | 46.7% | 55.1% | -8.4pp | — |
| CRAR | 15.7% | 18.9% | -3.2pp | — |
| P/B | 1.61x | 1.07x | +0.5pp | 80th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▼CASA Ratio at 39.24 — 6th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Capital to Risks Assets Ratio (CRAR) at 15.67 — 98th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲Cost To Income Ratio at 46.71 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▼Net Interest Margin at 2.86 — 9th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA at 1.47 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA -19.7% YoY to 1.47 · abs(yoy)>=15%
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations