The NII of SBI Cards grew in double digits, reflecting improved portfolio mix and funding efficiency. It delivered a steady performance due to expanding co-branding partnerships, strong digital engagement and disciplined portfolio management. The management reiterated guidance for steady new account additions and stable margins, aided by improved collections, cost control and declining credit costs. Continued focus on innovation, AI-driven underwriting and UPI-linked card expansion is expected to strengthen customer acquisition and enhance profitability. However, rising competitive intensity in the credit card industry poses...