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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 ₹21,028 crore in Q3 FY26, up 24.49% year-over-year, driven by higher operating profitability, net interest and non-interest income, and lower credit costs at 0.29%.
Total business surpassed ₹103 trillion, with deposits at ₹57.0 lakh crore and advances at ₹46.8 lakh crore, both up 15.14% year-over-year.
Maintained domestic market share above 22%, with current account balances rising 10.32% year-over-year.
Asset quality at two-decade lows: GNPA at 1.57%, NNPA at 0.39%, and credit cost at 0.29% for the quarter.
98.6% of transactions conducted through alternate channels; YONO registered users reached 9.65 crore, with digital transformation initiatives targeting 20 crore users in 2-3 years.
Financial highlights
Net interest income for Q3FY26 grew 9.04% year-over-year to ₹45,190 crore; domestic NIM at 3.12% for the quarter.
Operating profit increased 39.54% year-over-year to ₹32,862 crore.
Non-interest income surged 66.28% year-over-year to ₹18,359 crore, including a one-time profit from a stake sale.
Total deposits grew 9.02% year-over-year; retail term deposits up 14.54%; credit growth at 15.14% year-over-year.
Cost-to-income ratio improved to 48.29% in Q3FY26 from 55.13% a year ago.
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.
Sustained focus on digital transformation and expanding digital banking footprint.
Cost-to-income ratio target remains below 50%.
Continued emphasis on asset quality, liability franchise, and business growth across segments.
Yes Bank divestment: Why profit difference?
Project accounts: DCCO achievement rate?
RRB stake transfer: Financial impact explain.
YONO 20 Cr user goal: specific actions?
NIM stability with LDR/corporate growth drivers?
Recovery strategy for older written-off accounts?
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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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