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State Bank of India (SBIN) investor relations material
State Bank of India Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary4 Nov, 2025
Executive summary
Total business surpassed ₹100 trillion, with deposits at ₹55.9 lakh crore and advances at ₹44.2 lakh crore as of Q2FY26, and net profit reached ₹20,160 crore, up 9.97% YoY, driven by higher non-interest income.
Achieved strong credit growth and market share gains in key segments like home and auto loans, with domestic market share above 22% and current account balances up 17.90% YoY.
Focused on sustainable value creation, digital transformation, and operational efficiency through initiatives like Project SARL and YONO 2.0, with 98.6% of transactions through alternate channels and 9.35 crore YONO users.
Raised ₹25,000 crore via QIP, the largest-ever in India, strengthening capital base and attracting strong institutional interest.
Unaudited standalone and consolidated financial results for the quarter and half year ended 30 September 2025 were approved, with a limited review and unmodified auditor opinion.
Financial highlights
Net interest income for Q2FY26 was ₹42,984 crore, up 3.28% YoY; operating profit at ₹33,505.47 crore, up from ₹30,273.32 crore in Q2 FY25.
Non-interest income grew 30.44% YoY to ₹19,919 crore, including a one-time profit from a Yes Bank stake sale of ₹4,593 crore.
Domestic NIM improved by 7 bps QoQ to 3.09%, driven by lower cost of deposits and borrowings.
CASA deposits at over ₹21 lakh crore, CASA ratio at 39.63%, and market share gains in both CASA and overall deposits.
Treasury profit declined by 50% QoQ due to absence of OMO and switch operations.
Outlook and guidance
Credit growth guidance raised to 12-14% for FY26, with strong pipeline in corporate and retail segments and capital buffer post-QIP supporting credit growth of approximately ₹12.4 lakh crore.
NIM expected to remain above 3% in Q3 and Q4, with tailwinds from CRR benefit and continued liability management.
Sustained improvement in ROE and ROA trends, with ROE at 20.21% and ROA at 1.15% for H1FY26.
Focus on further improving CASA, digital capabilities, and productivity through Project SARL.
Subsidiary listings (SBI AMC, SBI General) under serious consideration for value unlocking.
QIP impact on CET1 and AT1 ratios?
Resolution framework's net impact on NPAs?
Net financial impact of divestments?
Project Saral: Expected outcomes and timeline
ECL guidelines: Impact on credit cost and strategy
Subsidiary monetization plans and timeline
Partial view of Summaries dataset, powered by Quartr API
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Next State Bank of India earnings date
Q3 25/265 Feb, 2026
Next State Bank of India earnings date
Q3 25/265 Feb, 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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