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State Bank of India (SBIN) investor relations material
State Bank of India Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary8 Aug, 2025
Executive summary
Net profit for Q1 FY26 rose 12.48% year-over-year to ₹19,160 crore, driven by operating efficiency and controlled expenses.
Maintained dominant domestic market share: deposits above 22%, advances at 19.24%, and deposits surpassed ₹54 lakh crore.
Credit growth at 11.61% year-over-year; deposit growth at 11.66% year-over-year.
Project SARAL launched to reengineer retail operations, focusing on simplification, automation, and AI integration.
98.6% of transactions conducted through alternate channels; 9.04 crore YONO users, with 66% of new savings accounts opened via YONO.
Financial highlights
Net NPA ratio declined to 0.47%; slippage ratio at 0.75%; GNPA at 1.83%.
Net interest income for Q1 FY26 was ₹41,072 crore; operating profit rose 15.49% YoY to ₹30,544 crore.
Cost-to-income ratio improved to 47.71%; targeted to remain below 50% through the cycle.
NIM at 2.9% (domestic 3.02%), with guidance to maintain 3% for the year.
Income from written-off accounts in Q1 FY26 was ₹1,229 crore, up from ₹108 crore in Q1 FY25.
Outlook and guidance
Credit expansion expected to outpace nominal GDP and industry growth, driven by retail, government CapEx, and green energy.
Guidance maintained for ROE above 15% and ROA above 1% through the cycle.
Slippage ratio to be contained below 0.6%; confident in achieving recovery guidance of ₹7,000–8,000 crore for the year.
NIM trajectory expected to be U-shaped, dipping in Q2 and improving in H2 as deposits reprice and CRR cut benefits accrue.
CRAR buffer of 3.56% above regulatory requirement supports credit growth of ~₹12.5 lakh crore.
What was the impact of RRB amalgamation?
Detail the loans acquired this quarter.
What is the PCR with AUCA as of June 30, 2025?
Corporate pipeline conversion strategy for growth
Unsecured/SME asset quality risk management?
SARAL & AI impact on cost-to-income ratio?
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Next State Bank of India earnings date
Q2 25/264 Nov, 2025
Next State Bank of India earnings date
Q2 25/264 Nov, 2025
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Frequently asked questions
State Bank of India is one of the largest and oldest banks in the country. It provides personal banking products, commercial banking products, investment banking products and treasury services. State Bank of India is an Indian multinational, public sector banking and financial services company. It is a government-owned corporation with its headquarters in Mumbai. The bank has a service network of more than 16,000 branches and over 180,000 ATMs across India, and a large number of branches in the overseas locations.
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