Financials of State Bank of India

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of State Bank of India

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +98,083101,460107,391112,868117,469118,242121,045124,654126,840125,729128,040130,386131,080
Interest53,45158,04562,95568,09270,64471,70173,61977,39778,22778,26678,00278,78379,953
Expenses +59,96549,08059,36562,63565,41853,99662,70964,89074,43859,49672,26576,79975,050
Financing Profit-15,334-5,665-14,930-17,858-18,593-7,455-15,283-17,634-25,825-12,034-22,227-25,196-23,923
Financing Margin %-16%-6%-14%-16%-16%-6%-13%-14%-20%-10%-17%-19%-18%
Other Income +38,76930,87336,86533,10347,44533,88342,75843,20052,72241,26350,88455,26249,999
Depreciation0000000000000
Profit before tax23,43625,20821,93615,24528,85226,42827,47425,56626,89729,22928,65730,06726,076
Tax %22%26%25%26%25%26%26%25%26%26%25%27%23%
Net Profit +18,76919,09416,64811,59822,20320,09420,56519,48420,37922,12121,86122,17620,508
EPS in Rs20.2720.7718.0412.4023.9621.6522.1721.1221.9623.7622.9023.0921.28
Gross NPA %2.53%2.13%
Net NPA %0.63%0.52%

Financials of State Bank of India

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +207,974220,633230,447228,970253,322269,852278,115289,973350,845439,189490,313514,933
Interest133,179143,047149,115146,603155,867161,124156,010156,194189,981259,736300,943315,005
Expenses +96,675109,985145,666169,065166,104172,909192,821197,349204,303239,750252,043282,601
Financing Profit-21,879-32,399-64,334-86,697-68,649-64,181-70,715-63,570-43,439-60,297-62,674-82,673
Financing Margin %-11%-15%-28%-38%-27%-24%-25%-22%-12%-14%-13%-16%
Other Income +49,31552,82868,19377,55777,36598,159107,222117,000122,534155,386173,031201,531
Depreciation1,5812,2522,9153,1053,4963,6623,7113,6913,6963,8493,9914,830
Profit before tax25,85518,177945-12,2455,22030,31732,79649,73975,39991,240106,365114,028
Tax %32%30%141%-66%41%40%26%27%25%25%26%25%
Net Profit +17,83213,019-97-3,7493,35121,14023,88837,18357,75069,54380,52386,666
EPS in Rs22.7615.750.30-5.112.5822.1525.1139.6462.3575.1786.9190.24
Dividend Payout %15%17%859%0%0%0%16%18%18%18%18%19%

Financials of State Bank of India

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital747776797892892892892892892892892923
Reserves160,641179,816216,395229,429233,603250,168274,669304,696358,039414,047486,144595,208
Deposits2,052,9612,253,8582,599,8112,722,1782,940,5413,274,1613,715,3314,087,4114,468,5364,966,5375,439,8986,043,097
Borrowing244,663361,399336,366369,079413,748332,901433,796449,160521,152639,610610,857777,302
Other Liabilities +240,149276,472288,391294,860299,676339,364420,926518,719605,796712,669775,938904,646
Total Liabilities2,699,1613,072,3213,441,7603,616,4393,888,4604,197,4864,845,6155,360,8785,954,4156,733,7567,313,7308,321,176
Fixed Assets +12,92415,41551,18942,03539,94139,60841,60041,03245,88046,07247,71659,772
CWIP4007866959257624701162866424178
Investments673,507807,3751,027,2811,183,7941,119,2701,228,2841,595,1001,776,4901,913,1082,110,5482,205,6012,359,502
Other Assets +2,012,3292,248,7462,362,5942,389,6852,728,4872,929,1233,208,7983,543,3283,995,3614,577,0935,060,3715,901,824
Total Assets2,699,1613,072,3213,441,7603,616,4393,888,4604,197,4864,845,6155,360,8785,954,4156,733,7567,313,7308,321,176

Financials of State Bank of India

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +26,29714,47777,406-96,50829,55623,92989,91957,695-86,01421,63248,48638,097
Cash from Investing Activity +-3,424-2,747-4,57213,053220-555-3,670-2,652-966-3,476-3,387-691
Cash from Financing Activity +-1,5534,348-4,1965,5474485,4307,143-3,8456,386-9,896-13,739-3,427
Net Cash Flow21,32016,07868,638-77,90830,22328,80393,39251,198-80,5938,26031,36133,979
Free Cash Flow22,84810,70172,982-89,90626,55020,86486,09154,644-86,01417,45742,84929,734
CFO/OP30%22%93%-148%43%40%110%72%-47%27%35%32%

Financials of State Bank of India

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %11%7%0%-2%1%7%9%12%17%17%17%15%