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State Bank of India
State Bank of India (SBIN) investor relations material
State Bank of India Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary7 Feb, 2026
Executive summary
Achieved record quarterly net profit of INR 21,028 crore in Q3 FY26, up 24.49% year-over-year, driven by higher operating profitability and lower credit costs at 0.29%.
Unaudited standalone and consolidated financial results for the quarter and nine months ended 31 December 2025 were approved, with a limited review by statutory auditors who issued an unmodified opinion.
Total business surpassed INR 103 trillion, with robust growth across all credit segments and strong asset quality.
Digital transformation initiatives, including YONO, continue to scale, targeting 20 crore users in 2-3 years.
Financial highlights
Net interest income rose 9% year-over-year to INR 45,190 crore; domestic NIM at 3.12% for the quarter.
Operating profit increased 39.54% year-over-year to INR 32,862 crore.
Total deposits grew 9.02% year-over-year; retail term deposits up 14.54%; credit growth at 15.14% year-over-year.
Gross NPA improved to 1.57% (down 50 bps), net NPA at 0.39% (down 14 bps); PCR at 75.54%.
Exceptional items included a profit of ₹4,593.22 crore from divestment in Yes Bank.
Outlook and guidance
Credit growth guidance revised upward to 13%-15% for the current quarter, with full-year guidance to be provided in Q1 FY27.
NIM guidance maintained at 3% for Q4 and through cycles; ROA guidance at 1% through cycles.
Cost-to-income ratio target remains below 50%.
The bank continues to comply with major regulatory provisions and is monitoring the impact of new labour codes and regulatory changes.
Yes Bank divestment: Why profit difference?
Project accounts: DCCO achievement rate?
RRB stake transfer: Financial impact explain.
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Next State Bank of India earnings date
Q4 25/262 May, 2026
State Bank of India
Next State Bank of India earnings date
Q4 25/262 May, 2026
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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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