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SBI's net profit grew 6% year-over-year to ₹19,684 crore, but net interest income barely moved (up just 3.8%) and actually fell compared to last quarter.
Margins shrank too, thanks to changes in loan rates, while deposits rose 11% and loans jumped 17%.
Analysts were divided: CLSA stayed optimistic with a higher target price, but Morgan Stanley took a more cautious stance.