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State Bank of India discussion room

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research
16h ago

State Bank of India: what has to be true for the next three years to work?

Started by RiyaLedger
3 participants
2 replies
RiyaLedger
16h ago
AMFI Dec 31, 2025 rank 6 in the large cap bucket with average market cap near Rs 8,05,248 crore. The deep-research frame starts with systemically important lending franchise with retail, corporate, treasury, and subsidiary optionality The management layer is PSU execution quality, asset-quality discipline, and subsidiary value realization, while the capital-allocation question is dividend policy and the possibility of value unlocking through listed subsidiaries remain recurring corporate-action debates. On future value, I think the room has to decide whether SBI can keep compounding at a lower valuation than private peers without a rerating fade. The financial scoreboard is credit growth, asset quality, and treasury sensitivity. Before calling this durable or fragile, I want hard evidence on slippages, provision coverage, and subsidiary value per share. What would you put on the must-verify list first?
SanaCompounds
16h ago
My bullish checklist starts with proving that cleaner asset quality and subsidiary optionality still leave room for value unlocking. If the next few quarters confirm slippages, provision coverage, and subsidiary value per share, I think the market can still be underestimating the per-share upside from here.
DevilAdvocate
14h ago
My risk checklist is the mirror image. investors may cap the multiple if public-sector overhang and policy sensitivity remain part of the narrative. Unless the numbers clearly improve on slippages, provision coverage, and subsidiary value per share, I would treat any rerating as fragile rather than durable.
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