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Smartkarma AI

Smartkarma

Smartkarma unites the fragmented investment industry, connecting institutional investors, independent research providers, and corporates within a single network.

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SBI (State Bank of India) / Equity Bottom-Up

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Dominant Market Leader with Unmatched Reach: State Bank of India (SBI) is the largest public sector bank in India, commanding a significant market share of approximately 22.55% in deposits and 19.06% in advances as of March 2024. Its extensive network of over 22,000 branches and more than 65,000 ATMs provides an unparalleled physical presence, particularly in rural and semi-urban areas, forming a key competitive advantage.</li>
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Strong Financial Performance and Growth Trajectory: The bank has demonstrated robust financial performance, with a significant increase in net profit and consistent revenue growth over the past three years. This is driven by healthy credit expansion, particularly in the retail and corporate segments, and improving asset quality with declining non-performing assets (NPAs).</li>
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Digital Transformation Driving Future Growth: SBI is heavily invested in digital transformation, with its YONO (You Only Need One) platform being a cornerstone of its strategy. YONO has over 87 million registered users and is a significant contributor to savings account openings and retail loan origination, positioning the bank to cater to a growing tech-savvy customer base and enhance operational efficiency.</li>
</ul>This content is AI-generated and displayed for general informational purposes only. Please verify independently before use.


  
Dominant Market Leader with Unmatched Reach: State Bank of India (SBI) is the largest public sector bank in India, commanding a significant market share of approximately 22.55% in deposits and 19.06% in advances as of March 2024. Its extensive network of over 22,000 branches and more than 65,000 ATMs provides an unparalleled physical presence, particularly in rural and semi-urban areas, forming a key competitive advantage.
  
Strong Financial Performance and Growth Trajectory: The bank has demonstrated robust financial performance, with a significant increase in net profit and consistent revenue growth over the past three years. This is driven by healthy credit expansion, particularly in the retail and corporate segments, and improving asset quality with declining non-performing assets (NPAs).
  
Digital Transformation Driving Future Growth: SBI is heavily invested in digital transformation, with its YONO (You Only Need One) platform being a cornerstone of its strategy. YONO has over 87 million registered users and is a significant contributor to savings account openings and retail loan origination, positioning the bank to cater to a growing tech-savvy customer base and enhance operational efficiency.
This content is AI-generated and displayed for general informational purposes only. Please verify independently before use.

Primer: State Bank Of India (SBIN IN) - Oct 2025

India

State Bank of India provides a wide range of banking and financial services to corporate, institutional, commercial, agricultural, industrial and individual customers throughout India.  The Bank also provides international banking to its Indian customers and has operations in other countries.

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SBI (State Bank of India) (SBIN IN)

Primer: State Bank Of India (SBIN IN) - Oct 2025

Dominant Market Leader with Unmatched Reach: State Bank of India (SBI) is the largest public sector bank in India, commanding a significant...

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