Summary

State Bank of India (SBI) has reported the highest ever quarterly net profit and advances crossing ₹57 Trillion in the quarter ended 31.12.2025. The bank's profitability, net interest income, and return on assets (ROA) have also seen significant growth.

Key Highlights

1. 1

   Business crossed ₹103 Trillion

2. 2

   Deposits & Advances crossed ₹57 Trillion & ₹46 Trillion respectively

3. 3

   SME Portfolio crossed ₹26 Trillion

4. 4

   Highest ever quarterly Net Profit at ₹21,028 crores

5. 5

   Operating Profit for Q3FY26 up by 39.54% YoY to ₹32,862 crores

6. 6

   Bank’s ROA and ROE for the 9MFY26 stand at 1.16% and 20.68% respectively

7. 7

   Net Interest Income (NII) for Q3FY26 increased by 9.04% YoY

8. 8

   Whole Bank and Domestic NIM for the 9MFY26 stand at 2.95% and 3.08% respectively

9. 9

   Whole Bank NIM for Q3FY26 is at 2.99% and Domestic NIM is at 3.12%

10. 10

    Whole Bank Advances growth at 15.14% YoY with Domestic Advances growth at 15.44% YoY

11. 11

    Foreign Offices’ Advances grew by 13.41% YoY

12. 12

    Retail Advances grew by 16.51% YoY, with double digit growth in all segments

13. 13

    SME Advances grew by 21.02% YoY followed by Agri Advances growth of 16.56% YoY and Retail Personal Advances growth of 14.95%

14. 14

    Corporate Advances registered YoY growth of 13.37%

15. 15

    Whole Bank Deposits grew by 9.02% YoY

16. 16

    CASA Deposit grew by 8.88% YoY

17. 17

    CASA ratio stands at 39.13% as on 31% December 25

18. 18

    Retail Term Deposits registered YoY growth of 14.54%

19. 19

    Gross NPA ratio at 1.57% improved by 50 bps YoY

20. 20

    Net NPA ratio at 0.39% improved by 14 bps YoY

21. 21

    Provision Coverage Ratio (PCR) increased by 88 pbs YoY and stands at 75.54%

22. 22

    Slippage Ratio for 9MFY26 improved by 5 bps YoY and stands at 0.54%

23. 23

    Slippage Ratio for Q3FY26 stands at 0.40%

24. 24

    Credit Cost for Q3FY26 stands at 0.29%

25. 25

    Capital Adequacy Ratio (CAR) as at the end of Q3FY26 stands at 14.04%

26. 26

    More than 68% of SB accounts opened digitally through YONO in Q3FY26

27. 27

    Share of Alternate Channels in total transactions increased from ~98.1% in 9MFY25 to ~98.6% in 9MFY26