SBIN

SBI continues to post strong numbers with robust loan growth and healthy margins. Retail and SME segments remain key drivers, while asset quality stays stable with GNPA below 3%. The bank’s focus on digital transformation through YONO is improving customer engagement and cross-selling. With a low-cost CASA base and improving ROE, SBI stands well-positioned to benefit from India’s credit growth cycle. Despite being a PSU, SBI’s consistent execution and profitability make it an attractive core banking bet for long-term investors.