State Bank of India (SBI) — Quarter and year ended 31.03.2026 (Audited)
| S. No | Particulars | Standalone Quarter Ended | Standalone Year Ended | Consolidated Quarter Ended | Consolidated Year Ended |
|---|---|---|---|---|---|
| 31.03.2026 (Audited) | 31.12.2025 (Unaudited) | 31.03.2025 (Audited) | 31.03.2026 (Audited) | ||
| 1 | Interest earned (a)+(b)+(c)+(d) | 1,23,097.67 | 1,22,352.35 | 1,19,509.39 | 4,82,797.17 |
| (a) Interest/discount on advances/bills | 89,369.91 | 89,013.95 | 85,709.69 | 3,50,004.36 | |
| (b) Income on investments | 28,579.05 | 28,427.51 | 29,456.17 | 1,13,034.49 | |
| (c) Interest on balances with Reserve Bank of India and other Inter-bank funds | 1,265.52 | 1,279.75 | 1,129.09 | 6,086.38 | |
| (d) Others | 3,883.19 | 3,631.14 | 3,214.44 | 13,671.94 | |
| 2 | Other income | 17,314.10 | 18,562.30 | 24,366.67 | 68,850.28 |
| 3 | TOTAL INCOME (1)+(2) | 1,40,411.77 | 1,40,914.65 | 1,43,876.06 | 5,51,647.45 |
| 4 | Interest expended | 78,717.67 | 77,365.76 | 76,891.55 | 3,09,676.69 |
| 5 | Operating expenses (a)+(b)+(c) | 33,989.92 | 30,686.50 | 35,698.47 | 1,23,548.80 |
| (a) Employee cost | 16,215.25 | 16,003.06 | 18,005.20 | 65,723.78 | |
| (b) Operating expenses relating to Insurance Business | – | – | – | – | |
| (c) Other operating expenses | 17,774.67 | 14,683.44 | 17,693.27 | 57,825.02 | |
| 6 | TOTAL EXPENDITURE (excluding provisions and contingencies) (4)+(5) | 1,12,707.59 | 1,08,052.26 | 1,12,590.02 | 4,33,225.49 |
| 7 | OPERATING PROFIT (before provisions and contingencies) (3)-(6) | 27,704.18 | 32,862.39 | 31,286.04 | 1,18,421.96 |
| 8 | Provisions (other than tax) and contingencies (net of write back) | 2,872.16 | 4,506.92 | 6,441.69 | 17,538.40 |
| — of which provisions for non-performing assets | 3,140.46 | 3,215.66 | 3,964.23 | 15,422.50 | |
| 9 | Exceptional items | – | – | – | – |
| 10 | PROFIT/(LOSS) FROM ORDINARY ACTIVITIES BEFORE TAX (7)-(8)+(9) | 24,832.02 | 28,355.47 | 24,844.35 | 1,05,476.78 |
| S. No | Particulars | Standalone 31.03.2026 (Audited) | Standalone 31.12.2025 (Unaudited) | Standalone 31.03.2025 (Audited) | Consolidated 31.03.2026 (Audited) | Consolidated 31.12.2025 (Unaudited) | Consolidated 31.03.2025 (Audited) |
|---|---|---|---|---|---|---|---|
| 1 | Capital and Liabilities | ||||||
| a | Capital | 923.06 | 923.06 | 892.46 | 923.06 | 923.06 | 892.46 |
| b | Reserves & surplus | 5,43,519.22 | 5,39,097.16 | 4,40,269.66 | 5,95,207.81 | 5,91,092.84 | 4,86,144.30 |
| c | Minority interest | 18,768.28 | 19,206.89 | 18,025.84 | |||
| d | Deposits | 59,75,642.12 | 57,01,308.86 | 53,82,189.53 | 60,43,097.12 | 57,67,170.77 | 54,39,898.02 |
| e | Borrowings | 7,31,253.80 | 6,35,706.86 | 5,63,572.52 | 7,77,302.15 | 6,85,387.62 | 6,10,857.24 |
| f | Other liabilities and provisions | 3,71,673.81 | 2,84,938.86 | 2,89,129.10 | 8,86,270.15 | 8,17,288.59 | 7,58,367.48 |
| Total | 76,23,012.01 | 71,61,974.80 | 66,76,053.27 | 83,21,568.57 | 78,81,069.77 | 73,14,185.34 | |
| 2 | Assets | ||||||
| a | Cash and balances with Reserve Bank of India | 2,68,445.30 | 1,85,768.05 | 2,27,217.50 | 2,68,681.74 | 1,86,103.86 | 2,27,485.16 |
| b | Balances with banks and money at call and short notice | 1,16,114.53 | 1,09,156.63 | 1,13,012.19 | 1,33,161.47 | 1,27,289.12 | 1,30,447.78 |
| c | Investments | 18,01,254.08 | 17,33,778.97 | 16,90,572.75 | 23,59,502.17 | 23,17,880.93 | 22,05,601.11 |
| d | Advances | 48,77,894.83 | 46,27,734.06 | 41,63,312.10 | 49,78,013.21 | 47,23,323.85 | 42,50,830.74 |
| e | Fixed assets | 54,790.35 | 53,423.07 | 44,107.55 | 57,152.10 | 55,737.40 | 46,337.69 |
| f | Other assets | 5,04,512.92 | 4,52,114.02 | 4,37,831.18 | 5,25,057.88 | 4,70,734.61 | 4,53,482.86 |
| Total | 76,23,012.01 | 71,61,974.80 | 66,76,053.27 | 83,21,568.57 | 78,81,069.77 | 73,14,185.34 |
| PARTICULARS | Standalone 31.03.2026 (Audited) | Standalone 31.03.2025 (Audited) | Consolidated 31.03.2026 (Audited) | Consolidated 31.03.2025 (Audited) |
|---|---|---|---|---|
| CASH FLOW FROM OPERATING ACTIVITIES | ||||
| Net Profit/(Loss) before taxes (including share in profit from associates and net of minority interest) | 1,05,476.78 | 95,271.27 | 1,12,158.29 | 1,04,909.48 |
| Adjustments for : Depreciation on Fixed Assets | 4,270.20 | 3,528.91 | 4,829.72 | 3,991.48 |
| (Profit)/Loss on sale of Fixed Assets (Net) | -3.35 | 20.37 | 7.32 | 16.23 |
| (Profit)/Loss on revaluation of Investments (Net) | 2,932.11 | -5,453.16 | 3,820.16 | -5,179.38 |
| (Profit) /Loss on sale of Investments in Subsidiaries/Joint Ventures/Associates | -4,618.68 | -111.80 | -2,384.41 | 7.52 |
| Provision on Non Performing Assets | 15,422.50 | 14,418.33 | 19,350.08 | 18,505.51 |
| Provision on Standard Assets | 1,607.69 | 302.76 | 1,682.96 | 338.09 |
| Provision on non-performing Investments | -14.33 | 514.28 | -14.33 | 482.88 |
| Other provisions including provision for contingencies | 522.54 | 72.53 | 532.54 | 134.68 |
| Income from Investment in Subsidiaries/Joint Ventures / Associates | -4,986.20 | -1,938.93 | – | – |
| Share in Profit of Associates | – | – | -1,497.20 | -1,505.47 |
| Income from Investment in Associates | – | – | -0.70 | -8.81 |
| Interest charged on Capital Instruments | 7,108.04 | 7,318.42 | 7,397.27 | 7,568.89 |
| 1,27,717.30 | 1,13,942.98 | 1,45,881.70 | 1,29,261.10 | |
| Adjustments for : Increase/(Decrease) in Deposits | 5,93,452.59 | 4,66,112.76 | 6,03,199.11 | 4,73,360.53 |
| Adjustments for : Increase/(Decrease) in Borrowings other than Capital Instruments | 1,73,830.28 | -40,026.98 | 1,72,378.40 | -35,148.36 |
| (Increase)/Decrease in Investments other than Investment in Subsidiaries / Joint Ventures / Associates | -1,20,372.53 | -8,609.27 | -1,62,060.62 |
| Description | 31.03.2026 | 31.03.2025 | 31.03.2026 | 31.03.2025 |
|---|---|---|---|---|
| Purchase of Investments in Subsidiaries / Joint Ventures / Associates | -1,747.36 | 0.00 | -108.27 | 0.00 |
| Proceeds from sale of Investments in Subsidiaries/ Joint Ventures/ Associates | 10,892.77 | 1,122.80 | 7,779.42 | -6.52 |
| Income received from Investment in Subsidiaries / Joint Ventures / Associates | 5,012.30 | 1,977.29 | ||
| Income received from Investment in Associates | 0.93 | 9.00 | ||
| (Increase) /Decrease in Fixed Assets | -7,440.69 | -5,112.34 | -8,362.96 | -5,637.22 |
| NET CASH GENERATED FROM / (USED IN) INVESTING ACTIVITIES (B) | 6,717.02 | -2,012.25 | -690.88 | -5,634.74 |
| Description | 31.03.2026 | 31.03.2025 | 31.03.2026 | 31.03.2025 |
|---|---|---|---|---|
| Proceeds from issue of equity shares including share premium net of share issue expenses* | 24,994.53 | 0.13 | 24,994.53 | 0.13 |
| Issue of Capital Instruments | 13,551.00 | 20,000.00 | 13,738.50 | 21,500.00 |
| Redemption of Capital Instruments | -19,700.00 | -13,961.40 | -19,672.00 | -15,103.90 |
| Interest paid on Capital Instruments | -7,457.87 | -7,136.34 | -7,721.71 | -7,268.61 |
| Dividend paid | -14,190.15 | -12,226.72 | -14,190.15 | -12,226.72 |
| Dividend tax paid by Subsidiaries/Joint Ventures | -41.00 | -31.85 | ||
| Increase/(Decrease) in Minority Interest | -535.31 | 2,394.16 | ||
| NET CASH GENERATED FROM / (USED IN) FINANCING ACTIVITIES (C) | -2,802.49 | -13,324.33 | -3,427. |