The bank is now well capitalised and hence the muted growth in the loan book is perhaps a sign of caution rather underperformance. SBI will be one of the biggest beneficiaries of the macro recovery and has an excellent low cost retail deposit base to grow market share at the right time. The stock still looks reasonably valued at 1.7X FY18 adjusted book and deserves accumulation on every decline and is our top pick in the PSU banking space..
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