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State Bank of India operates as a public sector banking, and financial services statutory body with portfolio of products and services. The company is headquartered in Mumbai, Maharashtra and currently employs 235,858 full-time employees. The firm is engaged in providing a wide range of products and services to individuals, commercial enterprises, corporates, public bodies and institutional customers. The firm's segments include Treasury, Corporate/Wholesale Banking, Retail Banking, Insurance Business and Other Banking Business. The Treasury segment includes investment portfolio and trading in foreign exchange contracts and derivative contracts. The Corporate/Wholesale Banking segment comprises the lending activities of corporate accounts group, commercial clients group and stressed assets resolution group. These include providing loans and transaction services to corporate and institutional clients and further include non-treasury operations of foreign offices/entities. The Retail Banking Segment is engaged in personal banking activities including lending activities to corporate customers having banking relations with its branches.
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“Banking franchise in Banking — Lending & Deposits.”
Net Interest Income of ₹199,928 Cr on total income of ₹841,571 Cr.
Cost-to-income ratio at 66.6%. Provision coverage at 2.5% of income.
“12% during f y twenty six.”
“we have the visibility of at least reaching 10% corporate credit growth in the next two quarters.”
“Recovery Chairman guidance was 2,000 crore per quarter.”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 13.6%▲ | 11.5% |
| Net Margin | 10.1%▼ | 12.1% |
| EBITDA Margin | 60.5%▼ | 67.3% |
| Debt To Equity | 9.83x▲ | 8.01x |
| Rev Growth 3yr | 14.4% | 14.4% |
| EPS Growth 3yr | 13.1%▼ | 23.3% |
| NIM | 4.0%▼ | 390.0% |
| Cost To Income | 66.6% | - |
| Credit Deposit Ratio | 82.40x | 83.00x |
No related party data available for this company.
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| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Interest on Advances | ₹3.61 Lakh Cr +5.9% | ₹3.41 Lakh Cr +14.7% | ₹2.97 Lakh Cr +30.0% | ₹2.29 Lakh Cr +28.9% | ₹1.77 Lakh Cr +0.4% | ₹1.77 Lakh Cr -4.7% | ₹1.85 Lakh Cr +11.7% | ₹1.66 Lakh Cr |
| Income on Investments | ₹1.32 Lakh Cr +0.6% | ₹1.31 Lakh Cr +7.2% | ₹1.22 Lakh Cr +14.6% | ₹1.07 Lakh Cr +14.3% | ₹93,478 Cr +7.3% | ₹87,131 Cr +16.5% | ₹74,813 Cr -6.8% | ₹80,244 Cr |
| ₹1.94 Lakh Cr +12.6% | ₹1.72 Lakh Cr +11.0% | ₹1.55 Lakh Cr +26.8% | ₹1.23 Lakh Cr +4.7% | ₹1.17 Lakh Cr +10.5% | ₹1.06 Lakh Cr +14.6% | ₹92,377 Cr +20.1% | ₹76,899 Cr | |
| Total Income | ₹7.10 Lakh Cr +7.0% | ₹6.63 Lakh Cr +11.6% | ₹5.95 Lakh Cr +25.6% | ₹4.73 Lakh Cr +16.3% | ₹4.07 Lakh Cr +6.0% | ₹3.84 Lakh Cr +6.0% | ₹3.62 Lakh Cr +9.7% | ₹3.30 Lakh Cr |
| Interest Expended | ₹3.15 Lakh Cr +4.7% | ₹3.01 Lakh Cr +15.9% | ₹2.60 Lakh Cr +36.7% | ₹1.90 Lakh Cr +21.6% | ₹1.56 Lakh Cr +0.1% | ₹1.56 Lakh Cr -3.2% | ₹1.61 Lakh Cr +3.4% | ₹1.56 Lakh Cr |
| Employee Cost | ₹72,768 Cr +3.4% | ₹70,396 Cr -8.1% | ₹76,571 Cr +23.7% | ₹61,921 Cr +14.6% | ₹54,027 Cr -0.6% | ₹54,331 Cr +11.2% | ₹48,851 Cr +11.5% | ₹43,795 Cr |
| Other Operating Expenses | ₹1.90 Lakh Cr +14.3% | ₹1.66 Lakh Cr +9.2% | ₹1.52 Lakh Cr +19.0% | ₹1.28 Lakh Cr +13.3% | ₹1.13 Lakh Cr +17.5% | ₹96,099 Cr +15.9% | ₹82,931 Cr +16.8% | ₹71,005 Cr |
| Provisions & Contingencies | ₹20,960 Cr +7.7% | ₹19,461 Cr +152.6% | ₹7,705 Cr -57.6% | ₹18,184 Cr -31.8% | ₹26,677 Cr -42.1% | ₹46,102 Cr +2.9% | ₹44,789 Cr -18.3% | ₹54,799 Cr |
| Total Expenditure | ₹5.78 Lakh Cr +7.5% | ₹5.38 Lakh Cr +10.0% | ₹4.89 Lakh Cr +28.6% | ₹3.80 Lakh Cr +17.5% | ₹3.23 Lakh Cr +5.4% | ₹3.06 Lakh Cr +4.6% | ₹2.93 Lakh Cr +8.2% | ₹2.71 Lakh Cr |
| Profit Before Tax | ₹1.14 Lakh Cr +7.2% | ₹1.06 Lakh Cr +16.6% | ₹91,240 Cr +21.0% | ₹75,399 Cr +51.6% | ₹49,739 Cr +51.7% | ₹32,796 Cr +8.2% | ₹30,317 Cr +480.7% | ₹5,220 Cr |
| Exceptional Items | ₹3,027 Cr | ₹0.00 Cr +100.0% | (₹7,100 Cr) | ₹0.00 Cr +100.0% | (₹7,418 Cr) ↓ Decline | ₹1,367 Cr -76.4% | ₹5,782 Cr | ₹466 Cr |
| Tax | ₹28,860 Cr +5.5% | ₹27,348 Cr +18.4% | ₹23,102 Cr +22.6% | ₹18,840 Cr +40.8% | ₹13,382 Cr +57.1% | ₹8,516 Cr -29.8% | ₹12,140 Cr +464.3% | ₹2,151 Cr |
| Net Profit | ₹85,168 Cr +7.8% | ₹79,017 Cr +16.0% | ₹68,138 Cr +20.5% | ₹56,558 Cr +55.6% | ₹36,356 Cr +62.3% | ₹22,405 Cr +23.3% | ₹18,177 Cr +492.3% | ₹3,069 Cr |
| Profit (Owners) | ₹83,299 Cr +7.4% | ₹77,561 Cr +15.6% | ₹67,085 Cr +20.6% | ₹55,648 Cr +57.3% | ₹35,374 Cr +57.9% | ₹22,405 Cr +13.3% | ₹19,768 Cr +759.6% | ₹2,300 Cr |
| Minority Interest | ₹3,367 Cr +13.7% | ₹2,961 Cr +20.4% | ₹2,459 Cr +17.0% | ₹2,102 Cr +16.2% | ₹1,809 Cr | ₹0.00 Cr -100.0% | ₹1,372 Cr +30.6% | ₹1,051 Cr |
| EPS | ₹91.03 | ₹86.91 | ₹75.17 | ₹62.35 | ₹39.64 | ₹25.11 | ₹22.15 | ₹2.58 |
| Diluted Shares | ₹923 Cr | ₹892 Cr | ₹892 Cr | ₹892 Cr | ₹892 Cr | ₹892 Cr | ₹892 Cr | ₹892 Cr |
| Other Interest | ₹14,422 Cr +14.6% | ₹12,580 Cr -7.2% | ₹13,558 Cr +19.3% | ₹11,363 Cr -21.2% | ₹14,412 Cr +49.1% | ₹9,663 Cr +49.2% | ₹6,478 Cr +15.1% | ₹5,629 Cr |
| Profit Loss Of Associates | ₹1,497 Cr -0.5% | ₹1,505 Cr +7.1% | ₹1,405 Cr +17.9% | ₹1,191 Cr +44.1% | ₹827 Cr | ₹0.00 Cr -100.0% | ₹2,963 Cr +952.7% | ₹281 Cr |
| Interest (RBI & Others) | ₹7,999 Cr +28.2% | ₹6,238 Cr +5.0% | ₹5,942 Cr +51.7% | ₹3,916 Cr -15.0% | ₹4,608 Cr +1.5% | ₹4,541 Cr +48.1% | ₹3,066 Cr +131.5% | ₹1,325 Cr |
State Bank of India has informed the Exchange about change in Senior Management
State Bank Of India has informed the Exchange regarding allotment of 4691 bonds
State Bank Of India has informed the Exchange about Updates regarding bidding for Additional Tier 1 Bonds
State Bank Of India has informed the Exchange regarding a press release dated July 29, 2026, titled "Press Release: Issuance of Additional Tier 1 Bonds".
State Bank of India has informed the Exchange about ESG Ratings
SBIN: State Bank of India has informed the Exchange about Interaction with Analysts / Institutional Investors on 07.08.2026
State Bank Of India has informed the Exchange about Credit Rating- New
State Bank of India has informed the Exchange regarding a press release dated July 21, 2026, titled "Listing of SBI Funds Management Limited".
State Bank of India has informed the Exchange about Update on IPO of SBI Funds Management Limited
State Bank of India has informed the Exchange about Update on IPO of SBI Funds Management Limited
State Bank Of India has informed the Exchange regarding Appointment of Mr. Sunil Ramgopal Agrawal as Chief Financial Officer (Designate) w.e.f. July 15, 2026.
State Bank Of India has informed the Exchange about Credit Rating
State Bank of India has informed the Exchange about Raising of Senior Unsecured Bond
State Bank of India has informed the Exchange about Update on IPO of SBI Funds Management Limited
State Bank of India has informed the Exchange about Update on IPO of SBI Funds Management Limited