Nine Monthly Results Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
3,60,205.93
3,42,823.17
3,04,088.03
2,39,152.00
2,04,724.04
2,00,048.99
1,94,642.19
Income On Investments
84,455.44
85,575.17
80,440.00
70,634.54
63,037.56
59,431.21
50,888.26
Interest On Balances With Rbi Other Inter Bank Funds
4,820.86
3,286.92
3,924.43
2,646.49
3,454.11
2,951.60
1,971.53
Interest / Discount On Advances / Bills
2,60,634.45
2,44,917.28
2,10,904.44
1,57,721.48
1,27,213.16
1,31,215.43
1,37,169.18
Others
10,295.18
9,043.80
8,819.16
8,149.49
11,019.21
6,450.75
4,613.22
Other Income
55,622.97
37,473.18
34,312.91
22,654.20
28,683.76
27,271.05
29,144.03
Total Income
4,15,828.90
3,80,296.35
3,38,400.94
2,61,806.20
2,33,407.80
2,27,320.04
2,23,786.22
Interest Expended
2,30,959.02
2,18,632.67
1,85,867.39
1,34,704.01
1,15,214.31
1,16,405.99
1,19,324.29
Net Interest Income
1,29,246.91
1,24,190.50
1,18,220.64
1,04,447.99
89,509.73
83,643.00
75,317.90
Total Expenditure (Excl Depreciation)
89,558.88
82,370.55
87,483.92
68,010.33
62,617.95
59,060.05
54,794.45
Employee Cost
49,508.53
46,347.04
54,888.88
39,675.41
37,587.57
37,553.22
33,676.30
Other Operating Expenses
40,050.35
36,023.51
32,595.04
28,334.92
25,030.38
21,506.83
21,118.15
Operating Profit Before Provisions and Contingencies
90,717.78
79,293.13
65,049.63
59,091.86
55,575.54
50,314.27
46,183.18
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
14,666.24
8,866.21
3,304.44
13,191.62
17,214.68
32,962.00
29,574.77
Profit Before Tax
80,644.76
70,426.92
54,645.19
45,900.24
30,942.47
18,892.00
20,092.71
Tax
20,296.50
18,168.88
14,266.92
12,362.30
8,380.02
4,932.28
9,185.42
Profit After Tax
60,348.26
52,258.04
40,378.27
33,537.94
22,562.45
13,959.72
10,907.29
Extraordinary Items
3,453.98
0.00
-5,185.12
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
56,894.28
52,258.04
45,563.39
33,537.94
27,967.30
12,825.94
8,873.96
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
Operating Profit Margin (Excl OI)
75.14%
75.97%
71.23%
71.56%
69.41%
70.48%
71.85%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
16.75%
15.24%
13.28%
14.02%
11.02%
6.98%
5.6%
Net Interest Margin
2.99%
3.01%
3.22%
3.5%
3.15%
3.12%
3.33%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
39.13%
39.2%
41.18%
44.48%
45.74%
45.15%
44.72%
CASA Amount
21,39,726.00
19,65,237.00
18,81,297.00
18,00,677.00
17,00,688.00
15,46,424.00
13,40,830.00
Capital Adequacy Ratio (Total)
14.04%
13.03%
13.05%
13.27%
13.23%
14.5%
13.73%
Capital Adequacy Ratio (Tier 1)
12.07%
10.85%
10.58%
10.8%
10.91%
11.73%
11.59%
Provision Coverage Ratio (%)
75.54%
74.66%
74.17%
76.12%
88.32%
90.21%
81.73%
Amount of Gross NPAs
73,636.76
84,360.38
86,748.81
98,346.50
1,20,028.77
1,17,244.23
1,59,661.19
Amount of Net NPAs
18,012.10
21,377.64
22,408.38
23,484.31
34,539.68
29,031.72
58,248.61
% of Net NPAs
0.39%
0.53%
0.64%
0.77%
1.34%
1.23%
2.65%
% of Gross NPAs
1.57%
2.07%
2.42%
3.14%
4.5%
4.77%
6.94%
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
65650.0
64216.0
57889.0
58599.0
Number of Branches
0.0
0.0
0.0
22381.0
22253.0
22330.0
21959.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2025 is 5.07% vs 12.74% in Dec 2024
Net Profit
YoY Growth in nine months ended Dec 2025 is 8.87% vs 14.69% in Dec 2024
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2025 is 14.41% vs 21.90% in Dec 2024
% of Net NPAs
YoY Growth in nine months ended Dec 2025 is -0.14% vs -0.11% in Dec 2024
% of Gross NPAs
YoY Growth in nine months ended Dec 2025 is -0.50% vs -0.35% in Dec 2024
Compare Nine Monthly Results Of SBI With
Figures in Cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
3,60,205.93
94,351.81
2,65,854.12
281.77%
Income On Investments
84,455.44
18,958.74
65,496.70
345.47%
Interest On Balances With Rbi Other Inter Bank Funds
4,820.86
1,957.24
2,863.62
146.31%
Interest / Discount On Advances / Bills
2,60,634.45
71,197.10
1,89,437.35
266.07%
Others
10,295.18
2,238.73
8,056.45
359.87%
Other Income
55,622.97
11,789.88
43,833.09
371.79%
Total Income
4,15,828.90
1,06,141.69
3,09,687.21
291.77%
Interest Expended
2,30,959.02
59,163.02
1,71,796.00
290.38%
Net Interest Income
1,29,246.91
35,188.79
94,058.12
267.3%
Total Expenditure (Excl Depreciation)
89,558.88
23,789.13
65,769.75
276.47%
Employee Cost
49,508.53
12,479.60
37,028.93
296.72%
Other Operating Expenses
40,050.35
11,309.53
28,740.82
254.13%
Operating Profit Before Provisions and Contingencies
90,717.78
23,189.54
67,528.24
291.2%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
14,666.24
3,998.34
10,667.90
266.81%
Profit Before Tax
80,644.76
19,191.20
61,453.56
320.22%
Tax
20,296.50
4,785.82
15,510.68
324.1%
Profit After Tax
60,348.26
14,405.38
45,942.88
318.93%
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
56,894.28
14,405.38
42,488.90
294.95%
Face Value
1.00
2.00
0.00
Reserves
0.00
0.00
0.00
PAT Margin
16.75%
15.27%
0.00
1.48%
Net Interest Margin
2.99%
2.79%
0.20
0.20%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
39.13%
38.45%
0.68
0.68%
CASA Amount
21,39,726.00
5,02,560.00
16,37,166.00
325.77%
Capital Adequacy Ratio (Total)
14.04%
15.29%
-1.25
-1.25%
Capital Adequacy Ratio (Tier 1)
12.07%
13.10%
-1.03
-1.03%
Provision Coverage Ratio (%)
75.54%
92.73%
-17.19
-17.19%
Amount of Gross NPAs
73,636.76
27,399.44
46,237.32
168.75%
Amount of Net NPAs
18,012.10
7,614.96
10,397.14
136.54%
% of Net NPAs
0.39%
0.57%
-0.18
-0.18%
% of Gross NPAs
1.57%
2.04%
-0.47
-0.47%
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
9,529.00
-9,529.00
-100.0%
Number of Branches
0.00
0.00
0.00
Nine Monthly - Interest Earned
Interest Earned 360205.93 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 5.07% vs 12.74% in Dec 2024
Nine Monthly - Net Profit
Net Profit 56,894.28 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 8.87% vs 14.69% in Dec 2024
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 90,717.78 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is 14.41% vs 21.90% in Dec 2024
Nine Monthly - % of Net NPAs
% of Net NPAs 0.39%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -0.14% vs -0.11% in Dec 2024
Nine Monthly - % of Gross NPAs
% of Gross NPAs 1.57%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -0.50% vs -0.35% in Dec 2024
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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