State Bank of India Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

4,82,797.17

4,61,864.26

4,15,130.66

3,32,103.06

2,75,457.29

2,65,150.63

2,57,323.59

Income On Investments

1,13,034.49

1,15,031.34

1,08,640.51

95,928.27

84,877.20

79,808.09

68,204.72

Interest On Balances With Rbi Other Inter Bank Funds

6,086.38

4,416.01

5,090.19

3,491.01

4,377.91

4,317.53

2,920.40

Interest / Discount On Advances / Bills

3,50,004.36

3,30,626.97

2,89,783.81

2,21,400.65

1,71,823.73

1,71,429.14

1,79,748.84

Others

13,671.94

11,789.94

11,616.15

11,283.13

14,378.45

9,595.87

6,449.63

Other Income

73,443.50

62,308.15

51,682.16

36,615.60

40,563.91

43,496.37

45,221.48

Total Income

5,56,240.67

5,24,172.41

4,66,812.82

3,68,718.66

3,16,021.20

3,08,647.00

3,02,545.07

Interest Expended

3,09,676.69

2,95,524.22

2,55,254.83

1,87,262.56

1,54,749.70

1,54,440.63

1,59,238.77

Net Interest Income

1,73,120.48

1,66,340.04

1,59,875.83

1,44,840.50

1,20,707.59

1,10,710.00

98,084.82

Total Expenditure (Excl Depreciation)

1,23,548.80

1,18,069.02

1,17,760.81

97,743.13

85,979.13

82,652.22

75,173.69

Employee Cost

65,723.78

64,352.24

71,236.98

57,291.84

50,143.60

50,936.00

45,714.97

Other Operating Expenses

57,825.02

53,716.78

46,523.83

40,451.29

35,835.53

31,716.22

29,458.72

Operating Profit Before Provisions and Contingencies

1,18,421.96

1,10,579.17

93,797.18

83,712.97

75,292.37

70,014.42

61,916.97

Exceptional Items

0.00

Provisions and contingencies

17,538.40

15,307.90

4,914.22

16,507.33

24,452.13

44,013.03

43,069.85

Profit Before Tax

1,05,476.78

95,271.27

81,782.96

67,205.64

43,421.85

27,541.12

25,062.76

Tax

25,444.77

24,370.64

20,706.34

16,973.19

11,745.87

7,130.65

10,574.65

Profit After Tax

80,032.01

70,900.63

61,076.62

50,232.45

31,675.98

20,410.47

14,488.11

Extraordinary Items

3,485.17

0.00

-5,302.38

0.00

-5,411.67

1,141.08

3,593.09

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

76,546.84

70,900.63

66,379.00

50,232.45

37,087.65

19,269.39

10,895.02

Face Value

1.0

Reserves

5,09,114.00

4,12,914.04

3,48,798.42

2,98,959.73

2,55,817.73

2,29,405.38

2,07,352.30

Earnings per share (EPS)

86.7

79.44

68.44

56.29

35.49

22.87

16.23

Diluted Earnings per share

87.59

79.44

76.39

56.29

43.8

21.14

16.23

Operating Profit Margin (Excl OI)

70.78%

71.12%

68.74%

65.6%

57.22%

52.23%

54.05%

Gross Profit Margin

21.85%

20.63%

19.7%

20.24%

15.76%

10.39%

9.74%

PAT Margin

16.58%

15.35%

14.71%

15.13%

11.5%

7.7%

5.63%

Net Interest Margin

2.91%

3.08%

3.28%

3.37%

3.12%

3.04%

3.19%

Return on Assets

0.0%

CASA (%)

39.46%

39.97%

41.11%

48.3%

45.28%

46.13%

45.16%

CASA Amount

22,62,011.00

20,65,161.00

19,41,996.00

18,62,904.00

17,75,084.00

16,46,974.00

14,10,981.00

Capital Adequacy Ratio (Total)

15.4%

14.25%

14.28%

14.68%

13.83%

13.74%

13.06%

Capital Adequacy Ratio (Tier 1)

13.33%

12.11%

11.93%

12.06%

11.42%

11.44%

11.0%

Provision Coverage Ratio (%)

74.36%

74.42%

75.02%

76.39%

75.04%

87.75%

83.62%

Amount of Gross NPAs

73,452.46

76,880.20

84,276.33

90,927.78

1,12,023.37

1,26,389.02

1,49,091.85

Amount of Net NPAs

18,830.14

19,666.92

21,051.08

21,466.64

27,965.71

36,809.72

51,871.30

% of Net NPAs

0.39%

0.47%

0.57%

0.67%

1.02%

1.5%

2.23%

% of Gross NPAs

1.49%

1.82%

2.24%

2.78%

3.97%

4.98%

6.15%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

63791.0

63580.0

65627.0

65000.0

62617.0

58555.0

Number of Branches

23265.0

22937.0

22542.0

22405.0

22266.0

22219.0

22141.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 4.53% vs 11.26% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 7.96% vs 6.81% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 7.09% vs 17.89% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.08% vs -0.10% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.33% vs -0.42% in Mar 2025

Compare Annual Results Of SBI With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

4,82,797.17

1,26,993.65

3,55,803.52

280.17%

Income On Investments

1,13,034.49

25,067.87

87,966.62

350.91%

Interest On Balances With Rbi Other Inter Bank Funds

6,086.38

2,542.72

3,543.66

139.36%

Interest / Discount On Advances / Bills

3,50,004.36

95,942.48

2,54,061.88

264.81%

Others

13,671.94

3,440.58

10,231.36

297.37%

Other Income

73,443.50

15,756.84

57,686.66

366.11%

Total Income

5,56,240.67

1,42,750.49

4,13,490.18

289.66%

Interest Expended

3,09,676.69

79,311.19

2,30,365.50

290.46%

Net Interest Income

1,73,120.48

47,682.46

1,25,438.02

263.07%

Total Expenditure (Excl Depreciation)

1,23,548.80

31,180.32

92,368.48

296.24%

Employee Cost

65,723.78

15,741.50

49,982.28

317.52%

Other Operating Expenses

57,825.02

15,438.82

42,386.20

274.54%

Operating Profit Before Provisions and Contingencies

1,18,421.96

32,258.98

86,162.98

267.1%

Exceptional Items

0.00

Provisions and contingencies

17,538.40

7,148.81

10,389.59

145.33%

Profit Before Tax

1,05,476.78

25,110.17

80,366.61

320.06%

Tax

25,444.77

5,089.11

20,355.66

399.98%

Profit After Tax

80,032.01

20,021.06

60,010.95

299.74%

Extraordinary Items

3,485.17

0.00

3,485.17

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

76,546.84

20,021.06

56,525.78

282.33%

Face Value

1.00

2.00

0.00

Reserves

5,09,114.00

1,43,876.90

3,65,237.10

253.85%

Earnings per share (EPS)

86.70

38.67

48.03

124.2%

Diluted Earnings per share

87.59

38.72

48.87

126.21%

Operating Profit Margin (Excl OI)

70.78%

69.82%

0.00

0.96%

Gross Profit Margin

21.85%

19.77%

0.00

2.08%

PAT Margin

16.58%

15.77%

0.00

0.81%

Net Interest Margin

2.91%

2.89%

0.02

0.02%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

39.46%

38.90%

0.56

0.56%

CASA Amount

22,62,011.00

5,45,034.00

17,16,977.00

315.02%

Capital Adequacy Ratio (Total)

15.40%

15.82%

-0.42

-0.42%

Capital Adequacy Ratio (Tier 1)

13.33%

13.64%

-0.31

-0.31%

Provision Coverage Ratio (%)

74.36%

93.94%

-19.58

-19.58%

Amount of Gross NPAs

73,452.46

27,058.59

46,393.87

171.46%

Amount of Net NPAs

18,830.14

6,315.56

12,514.58

198.15%

% of Net NPAs

0.39%

0.45%

-0.06

-0.06%

% of Gross NPAs

1.49%

1.89%

-0.40

-0.40%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

0.00

9,538.00

-9,538.00

-100.0%

Number of Branches

23,265.00

0.00

23,265.00

Annual - Interest Earned

Interest Earned 482797.17 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 4.53% vs 11.26% in Mar 2025

Annual - Net Profit

Net Profit 76,546.84 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 7.96% vs 6.81% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,18,421.96 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 7.09% vs 17.89% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.39%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.08% vs -0.10% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 1.49%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.33% vs -0.42% in Mar 2025