We are less worried about the long-term story and expect the bank to deliver well relative to new-age banking peers. That said, valuations at 3.8x/25x FY23F BV/EPS warrant caution in the near term as room for error is low...
https://www.financialexpress.com/market/analyst-corner-au-sfb-downgrade-to-neutral-raise-tp-to-rs-1075/2245960/#TheFinancialExpress
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