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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
State Bank of India
State Bank of India (SBIN) investor relations material
State Bank of India Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary3 Nov, 2026
Executive summary
Q2FY27 standalone net profit was ₹23,037.95 crore, up 14.28% YoY; operating profit rose 7.28% to ₹34,226 crore. Consolidated net profit was ₹25,741.47 crore.
Gross advances reached ₹52.08 lakh crore, up 17.84% YoY, while deposits grew 12.27% to ₹62.78 lakh crore.
Gross NPA fell to 1.39%, the lowest in more than two decades; domestic NIM was 3.11%.
Financial highlights
Q2 net interest income was ₹49,143 crore, up 14.69% YoY; operating income rose 8.44% to ₹68,209 crore.
Total income was ₹1,51,084 crore, up 8.25% YoY; non-interest income was ₹19,066 crore, down 4.94%.
H1 net profit was ₹44,159.17 crore standalone and ₹50,320.51 crore consolidated; H1 net interest income rose 14.78% to ₹96,135 crore.
Treasury revenue income was ₹6,000 crore versus ₹7,470 crore; excluding one-off items, Q2 recorded a ₹1,277 crore loss versus a ₹2,877 crore gain in the previous quarter.
Q2 non-interest income included a ₹7,288.47 crore standalone pre-tax gain from the SBI Funds Management stake sale; prior-year comparisons also included a Yes Bank stake-sale gain.
Outlook and guidance
FY credit growth guidance remains 14%–15%, supported by a ₹7.8 lakh crore corporate pipeline and expected H2 growth.
Through-cycle guidance remains ROA of 1%, NIM of at least 3% and ROE of 15%; loan repricing may support NIM, with management maintaining conservative guidance.
Corporate credit growth of 16% is expected to continue in H2; low-yield deals and refinancings were declined to protect advance yields.
Home-loan focus continues; the home and home-related portfolio exceeded ₹10 lakh crore, although market demand softened in some areas.
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Latest events from State Bank of India
- Profit rose 40%, with stronger capital and asset quality but weaker NIM.SBIN
Q4 97/98 - Adjusted profit rose 24.9% as deposits grew and net NPAs improved.SBINQ4 00/01
- Profit rose modestly as credit expanded and asset quality improved, despite higher costs.SBINQ4 05/06
- Profit fell 44.8% as one-time costs and higher provisions pressured earnings.SBINQ4 98/99
- Profit nearly doubled, but thinner margins and lower capital adequacy tempered strong growth.SBINQ4 99/00
- Net profit rose 27.7%, while net NPAs declined to 4.50%.SBINQ4 02/03
- Profit surged, but margin pressure and economic weakness kept execution focused on technology and asset quality.SBINQ4 01/02
- FY05 profit rose 17% as credit growth offset rate and investment pressures.SBINQ4 04/05
- Profit rose 18.55% as NPAs fell, while competition threatened margins.SBINQ4 03/04
Next State Bank of India earnings date
Q3 26/276 Feb, 2027
State Bank of India
Next State Bank of India earnings date
Q3 26/276 Feb, 2027
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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.