State Bank of India reported its highest-ever annual net profit, crossing Rs 80,000 crore — but investors had questions. Markets zeroed in on two numbers that slipped: net interest income (NII) and net interest margin (NIM). SBI Chairman CS Setty addressed both head-on in an interview with ET Now, and his message was clear: the worst is over. NIMs have hit the floor and Chairman Setty is confident they hold at 3% SBI's NIM came in at exactly 3% for Q4 FY25 — matching the bank's own guidance. Setty confirmed that FY27 guidance also stands at 3% and above, pushing back on concerns that margins could slip further.