#SBI Cards struggling with poor asset quality. Credit costs remain elevated at 7.6% for Q4'24🔴
- No uptick in revolver ratios ⚫
- Spend/card down YoY due to lower corp spends⬇️
- New accounts added fall YoY⬇️
- RoA & RoE down YoY⬇️
- NPAs up YoY🔴
Series of bad stats🔴
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