📄 Article Body: The State Bank of India (SBI), India’s biggest lender, has decided to shoot for the moon in FY25. The bank is targeting a loan growth of 12–13%, a figure so confident, it could qualify as a TED Talk in optimism.
But there’s a twist. Even as SBI plans to scale Everest, its net interest margins (NIMs) are quietly sliding into a valley.
📊 Diagram: SBI Loan Growth vs NIMs Over 3 Years
Year | Loan Growth | NIM
---- | ------------ | ----
2022 | 9% | 3.5%
2023 | 11.2% | 3.3%
2024 | 13% (target) | 3.0% (falling)With NIMs thinning like airline legroom, one wonders: where’s the profit hiding? But SBI isn’t flinching. It’s as if the bank took a loan in confidence from Elon Musk himself.
💬 “We’re confident we’ll meet our loan targets,” said an SBI official. Sure. And we’re confident we’ll stop spending ₹400 every weekend on coffee.
As customers anxiously refresh their EMI calculators, one thing’s clear: if loans were cricket matches, SBI would be Virat Kohli in powerplay mode. Just don’t check the scoreboard.
