SBI CARDS & PAY SER LTD-SBICARD-Q3 FY 2026 Earnings Call Note
SBI Cards reported a strong Q3 performance for fiscal year 2026, with a Profit After Tax (PAT) of INR 557 crore, a 45% YoY increase. Asset quality improved, supported by reduced credit costs. The company focused on premium segment growth, while adapting risk models and maintaining conservative provisioning, highlighting a strategic shift towards sustainable growth.
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