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State Bank of India
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 of 12.73% YoY, with robust performance across retail, SME, and agriculture segments, and maintained domestic market share above 22%.
Digital adoption remains high, with 98.6% of transactions through alternate channels and 9.35 crore YONO users.
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.
Focused on digital transformation with Project SARL and upcoming YONO 2.0 platform.
Financial highlights
Standalone net profit for Q2 FY26 was ₹20,159.67 crore, up from ₹18,331.44 crore in Q2 FY25; H1 FY26 net profit was ₹39,320.11 crore, up from ₹35,366.60 crore YoY.
Net interest income for Q2FY26 was ₹42,984 crore, up 3.28% YoY; operating profit at ₹31,904 crore, up 8.91% YoY.
Non-interest income grew 30.44% YoY to ₹19,919 crore, including a one-time profit from a Yes Bank stake sale.
Exceptional income from Yes Bank stake sale: ₹4,593 crore (standalone), net of tax ₹3,386 crore.
Core fee income up 25% YoY, driven by debit card spends and interchange fees.
Outlook and guidance
Credit growth guidance raised to 12-14% for FY26, with a strong pipeline of ₹7 lakh crore in corporate credit.
NIM expected to remain above 3% in Q3 and Q4, with tailwinds from CRR benefit and deposit repricing.
The capital buffer post-QIP supports credit growth of approximately ₹12.4 lakh crore.
Sustained improvement in ROE and ROA trends, with ROE at 20.21% and ROA at 1.15% for H1FY26.
Deposit and credit growth for scheduled commercial banks projected at 11-12% for FY26.
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
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Next State Bank of India earnings date
Q3 25/267 Feb, 2026
State Bank of India
Next State Bank of India earnings date
Q3 25/267 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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