Half Yearly Results Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
2,37,649.81
2,25,396.54
1,97,354.25
1,52,535.96
1,35,045.92
1,33,314.49
1,26,950.20
Income On Investments
56,027.93
56,288.87
52,009.27
46,109.18
41,444.49
38,959.14
33,656.28
Interest On Balances With Rbi Other Inter Bank Funds
3,541.11
2,043.02
2,649.90
1,914.23
2,266.38
2,303.36
1,235.12
Interest / Discount On Advances / Bills
1,71,620.50
1,61,290.51
1,37,387.47
98,856.47
83,460.42
87,478.68
89,105.85
Others
6,460.27
5,774.14
5,307.61
5,656.08
7,874.63
4,573.31
2,952.95
Other Income
37,264.44
26,432.42
22,854.01
11,186.47
20,010.34
18,024.90
20,038.11
Total Income
2,74,914.25
2,51,828.96
2,20,208.26
1,63,722.43
1,55,056.26
1,51,339.39
1,46,988.31
Interest Expended
1,53,593.26
1,42,651.55
1,18,949.34
86,156.59
76,223.59
78,491.43
79,411.09
Net Interest Income
84,056.55
82,744.99
78,404.91
66,379.37
58,822.33
54,823.06
47,539.11
Total Expenditure (Excl Depreciation)
58,872.38
53,435.09
56,545.37
43,693.26
41,778.77
38,327.12
36,132.30
Employee Cost
33,505.47
30,273.32
35,527.06
24,918.76
25,116.09
24,435.21
22,220.68
Other Operating Expenses
25,366.91
23,161.77
21,018.31
18,774.50
16,662.68
13,891.91
13,911.62
Operating Profit Before Provisions and Contingencies
57,855.39
55,742.32
44,713.55
33,872.58
37,053.90
32,981.11
27,960.62
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
10,159.32
7,955.15
2,616.59
7,431.05
10,240.71
22,619.61
22,321.87
Profit Before Tax
52,289.29
47,787.17
42,096.96
26,441.53
19,394.80
11,901.23
9,123.05
Tax
12,969.18
12,420.57
10,882.65
7,108.93
5,264.23
3,137.73
3,799.12
Profit After Tax
39,320.11
35,366.60
31,214.31
19,332.60
14,130.57
8,763.50
5,323.93
Extraordinary Items
3,453.98
0.00
0.00
0.00
-5,404.85
1,133.78
2,033.33
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
35,866.13
35,366.60
31,214.31
19,332.60
19,535.42
7,629.72
3,290.60
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
42.6
39.63
34.98
21.66
15.83
9.82
5.97
Diluted Earnings per share
43.47
39.63
34.98
21.66
15.83
9.82
5.97
Operating Profit Margin (Excl OI)
70.95%
72.76%
70.02%
66.48%
55.99%
54.28%
53.96%
Gross Profit Margin
22.0%
21.2%
21.33%
17.33%
14.36%
8.93%
7.19%
PAT Margin
16.55%
15.69%
15.82%
12.67%
10.46%
6.57%
4.19%
Net Interest Margin
2.93%
3.18%
3.31%
3.17%
3.09%
3.07%
3.11%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
39.63%
40.03%
41.88%
44.63%
46.24%
45.39%
45.13%
CASA Amount
21,24,266.00
19,65,899.00
18,86,014.00
17,97,751.00
17,06,387.00
15,27,007.00
13,26,171.00
Capital Adequacy Ratio (Total)
14.62%
13.76%
14.28%
13.51%
13.35%
14.72%
13.59%
Capital Adequacy Ratio (Tier 1)
12.67%
11.32%
11.78%
11.12%
11.02%
11.9%
11.31%
Provision Coverage Ratio (%)
75.79%
75.66%
75.45%
77.93%
87.68%
88.19%
81.23%
Amount of Gross NPAs
76,243.04
83,369.23
86,974.08
1,06,804.14
1,23,941.77
1,25,862.99
1,61,636.05
Amount of Net NPAs
18,459.92
20,294.32
21,352.40
23,572.19
37,118.61
36,450.69
59,939.22
% of Net NPAs
0.42%
0.53%
0.64%
0.8%
1.52%
1.59%
2.79%
% of Gross NPAs
1.73%
2.13%
2.55%
3.52%
4.9%
5.28%
7.19%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
0.0
65796.0
64122.0
58762.0
58567.0
Number of Branches
0.0
0.0
0.0
22309.0
22230.0
22299.0
21929.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2025 is 5.44% vs 14.21% in Sep 2024
Net Profit
Growth in half year ended Sep 2025 is 1.41% vs 13.30% in Sep 2024
Operating Profit (PBDIT)
Growth in half year ended Sep 2025 is 3.79% vs 24.67% in Sep 2024
% of Net NPAs
Growth in half year ended Sep 2025 is -0.11% vs -0.11% in Sep 2024
% of Gross NPAs
Growth in half year ended Sep 2025 is -0.40% vs -0.42% in Sep 2024
Compare Half Yearly Results Of SBI With
Figures in Cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
2,37,649.81
62,602.30
1,75,047.51
279.62%
Income On Investments
56,027.93
12,696.78
43,331.15
341.28%
Interest On Balances With Rbi Other Inter Bank Funds
3,541.11
1,311.23
2,229.88
170.06%
Interest / Discount On Advances / Bills
1,71,620.50
47,140.93
1,24,479.57
264.06%
Others
6,460.27
1,453.36
5,006.91
344.51%
Other Income
37,264.44
8,189.48
29,074.96
355.03%
Total Income
2,74,914.25
70,791.78
2,04,122.47
288.34%
Interest Expended
1,53,593.26
39,213.91
1,14,379.35
291.68%
Net Interest Income
84,056.55
23,388.39
60,668.16
259.39%
Total Expenditure (Excl Depreciation)
58,872.38
15,765.45
43,106.93
273.43%
Employee Cost
33,505.47
8,368.44
25,137.03
300.38%
Other Operating Expenses
25,366.91
7,397.01
17,969.90
242.93%
Operating Profit Before Provisions and Contingencies
57,855.39
15,812.42
42,042.97
265.89%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
10,159.32
3,199.41
6,959.91
217.54%
Profit Before Tax
52,289.29
12,613.01
39,676.28
314.57%
Tax
12,969.18
3,262.26
9,706.92
297.55%
Profit After Tax
39,320.11
9,350.75
29,969.36
320.5%
Extraordinary Items
3,453.98
0.00
3,453.98
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
35,866.13
9,350.75
26,515.38
283.56%
Face Value
1.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
42.60
18.06
24.54
135.88%
Diluted Earnings per share
43.47
18.08
25.39
140.43%
Operating Profit Margin (Excl OI)
70.95%
69.71%
0.00
1.24%
Gross Profit Margin
22.00%
20.15%
0.00
1.85%
PAT Margin
16.55%
14.94%
0.00
1.61%
Net Interest Margin
2.93%
2.93%
0.00
0.00%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
39.63%
38.42%
1.21
1.21%
CASA Amount
21,24,266.00
4,88,660.00
16,35,606.00
334.71%
Capital Adequacy Ratio (Total)
14.62%
16.54%
-1.92
-1.92%
Capital Adequacy Ratio (Tier 1)
12.67%
14.15%
-1.48
-1.48%
Provision Coverage Ratio (%)
75.79%
93.21%
-17.42
-17.42%
Amount of Gross NPAs
76,243.04
27,599.75
48,643.29
176.25%
Amount of Net NPAs
18,459.92
7,140.88
11,319.04
158.51%
% of Net NPAs
0.42%
0.57%
-0.15
-0.15%
% of Gross NPAs
1.73%
2.16%
-0.43
-0.43%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
9,497.00
-9,497.00
-100.0%
Number of Branches
0.00
0.00
0.00
Half Yearly - Interest Earned
Interest Earned 237649.81 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 5.44% vs 14.21% in Sep 2024
Half Yearly - Net Profit
Net Profit 35,866.13 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 1.41% vs 13.30% in Sep 2024
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 57,855.39 Cr
in Sep 2025Figures in Cr
Growth in half year ended Sep 2025 is 3.79% vs 24.67% in Sep 2024
Half Yearly - % of Net NPAs
% of Net NPAs 0.42%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is -0.11% vs -0.11% in Sep 2024
Half Yearly - % of Gross NPAs
% of Gross NPAs 1.73%
in Sep 2025Figures in %
Growth in half year ended Sep 2025 is -0.40% vs -0.42% in Sep 2024
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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