SBI Ne Q3 Mein 24.5% Profit Badhaya! Lekin NIM Ka Pressure Jari Hai, Baaki Banks Ka Kya Haal?

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AuthorIshaan Verma|Published at:
SBI Ne Q3 Mein 24.5% Profit Badhaya! Lekin NIM Ka Pressure Jari Hai, Baaki Banks Ka Kya Haal?
Overview

Arre yaar, SBI ne toh kamaal kar diya! Q3 FY26 mein company ka standalone net profit **24.5%** saal-dar-saal badhkar record **₹21,028 crore** pahunch gaya. Ye sab advances mein zabardast **15.7%** ki tezi ke karan hua hai.

SBI Ka Record Profit Aur Advances Ki Toofani Chalaang!

SBI ne apna Q3 ka result nikala hai aur numbers dekh kar lagta hai investors khush honge. Bank ne record ₹21,028 crore ka profit banaya hai, jo pichhle saal ke muqable 24.5% zyada hai. Iske peeche ka main reason hai loans ka badhna, jisme 15.7% ka uphaan dekhne ko mila hai, aur ab total advances ₹46.27 lakh crore ho gaye hain. Retail loans 15% aur SME loans 21% tak badhe hain, jo kaafi achha sign hai.

NIM Pe Pressure Kaun Jhel Raha Hai?

Par bhai, sab kuch itna bhi smooth nahi hai. Jabki profit bhaga hai, SBI ka Net Interest Margin (NIM) Q3 mein 3.12% raha, jo pichhle saal ke 3.15% se thoda kam hai. Ye problem sirf SBI ki nahi hai, bank sector mein RBI ke rate cut ke baad sabhi banks NIM pressure feel kar rahe hain. Jaise Punjab National Bank (PNB) ka domestic NIM 2.65% raha, jo pichhle saal 3.09% tha. HDFC Bank ka NIM 3.5% se ghata hai, aur Kotak Mahindra Bank ka 4.5% tak aa gaya hai. Ye rate cuts bank ki kamai par asar dal rahe hain.

Asset Quality Aur Valuation Kaise Hain?

Achhi baat ye hai ki SBI ki asset quality stable hai. Net NPAs kam hokar 0.39% ho gaye hain aur provision coverage 75.5% par pahunch gaya hai. PNB ne bhi NPAs sudhare hain, net NPAs 0.32% hain aur provision coverage 90.25% hai. HDFC Bank aur Kotak Mahindra Bank hamesha ki tarah sabse kam NPAs wale banks mein hain.

Agar efficiency ki baat karein, toh SBI ka Return on Assets (ROA) annualized 1.19% raha. Lekin HDFC Bank aur Kotak Mahindra Bank is mamle mein aage hain, jinka ROA lagbhag 1.92% hai. PNB ka ROA 1.06% hai. Valuation ke hisab se, SBI ka Price to Book Value (P/B) ratio 1.9 hai, jabki PNB 1.0 par hai aur HDFC Bank 2.7 par trade kar raha hai.

Aage Ka Outlook Kya Kehta Hai?

Ab dekhte hain ki ye banks badhte loan book ke sath NIM pressure ko kaise manage karte hain. Sarkaar ke naye trade deals se banking sector ko naye opportunities mil sakti hain, jo loan demand badha sakti hain aur banking sector ke liye medium term mein mahaul behtar bana sakti hain.

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