STATE BANK OF INDIA
Quarterly Results Analysis [Sep2025]
STATE BANK OF INDIA Quarterly Results
| Consolidated | Sep2025 Audited |
Jun2025 UnAudited |
Mar2025 UnAudited |
Dec2024 UnAudited |
Sep2024 Audited |
Jun2024 Audited |
Mar2024 UnAudited |
Dec2023 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹128,041 Cr | ₹125,729 Cr | ₹126,997 Cr | ₹124,654 Cr | ₹121,045 Cr | ₹118,242 Cr | ₹117,469 Cr | ₹112,868 Cr |
| Other Income | ₹47,857 Cr | ₹41,263 Cr | ₹52,565 Cr | ₹43,200 Cr | ₹42,758 Cr | ₹33,883 Cr | ₹47,445 Cr | ₹40,203 Cr |
| Interest Expended | ₹78,002 Cr | ₹78,266 Cr | ₹78,227 Cr | ₹77,397 Cr | ₹73,619 Cr | ₹71,701 Cr | ₹70,644 Cr | ₹68,092 Cr |
| Expenses | ₹65,778 Cr | ₹54,233 Cr | ₹66,969 Cr | ₹62,892 Cr | ₹57,123 Cr | ₹49,589 Cr | ₹63,027 Cr | ₹61,190 Cr |
| Operating Income | ₹32,117 Cr | ₹34,493 Cr | ₹34,366 Cr | ₹27,565 Cr | ₹33,060 Cr | ₹30,835 Cr | ₹31,243 Cr | ₹23,790 Cr |
| Provisions and contingencies | ₹6,487 Cr | ₹5,264 Cr | ₹7,470 Cr | ₹1,998 Cr | ₹5,586 Cr | ₹4,408 Cr | ₹2,392 Cr | ₹1,445 Cr |
| Profit Before Tax | ₹28,657 Cr | ₹29,229 Cr | ₹26,897 Cr | ₹25,566 Cr | ₹27,474 Cr | ₹26,428 Cr | ₹28,852 Cr | ₹15,245 Cr |
| Profit After Tax | ₹21,504 Cr | ₹21,627 Cr | ₹19,941 Cr | ₹19,175 Cr | ₹20,220 Cr | ₹19,681 Cr | ₹21,736 Cr | ₹11,283 Cr |
| % of Net NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| % of Gross NPAs | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS | ₹22.90 | ₹23.76 | ₹21.96 | ₹21.12 | ₹22.17 | ₹21.65 | ₹23.96 | ₹12.40 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| STATE BANK OF INDIA | 2% | 10.6% | 17% |
| PUNJAB NATIONAL BANK | -0.4% | 7.3% | 19.3% |
| BANK OF BARODA | 3.9% | 10.4% | 12.9% |
| INDIAN OVERSEAS BANK | -1.3% | -0.1% | -29.6% |
| UNION BANK OF INDIA | 3.2% | 10.7% | 27.3% |
| CANARA BANK | 2.7% | 9.8% | 34% |
| INDIAN BANK | 1.7% | 15.3% | 48.2% |
| UCO BANK | -2% | 4.5% | -31.4% |
| BANK OF INDIA | 3.4% | 14.5% | 27.2% |
STATE BANK OF INDIA Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 5.43 % |
| Y-o-Y | 5.51 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Sep2025 | ₹50,038 Cr | 5.43 | |
| Jun2025 | ₹47,462 Cr | -2.68 | |
| Mar2025 | ₹48,770 Cr | 3.20 | |
| Dec2024 | ₹47,257 Cr | -0.36 | |
| Sep2024 | ₹47,426 Cr | 1.90 | |
| Jun2024 | ₹46,542 Cr | -0.61 | |
| Mar2024 | ₹46,825 Cr | 4.58 | |
| Dec2023 | ₹44,776 Cr | - | |
STATE BANK OF INDIA Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | -6.89 % |
| Y-o-Y | -2.85 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Sep2025 | ₹32,117 Cr | -6.89 | |
| Jun2025 | ₹34,493 Cr | 0.37 | |
| Mar2025 | ₹34,366 Cr | 24.68 | |
| Dec2024 | ₹27,565 Cr | -16.62 | |
| Sep2024 | ₹33,060 Cr | 7.21 | |
| Jun2024 | ₹30,835 Cr | -1.31 | |
| Mar2024 | ₹31,243 Cr | 31.33 | |
| Dec2023 | ₹23,790 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | -11.68 % |
| Y-o-Y | -7.93 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Sep2025 | 64.18% | -11.68 | |
| Jun2025 | 72.67% | 3.12 | |
| Mar2025 | 70.47% | 20.81 | |
| Dec2024 | 58.33% | -16.32 | |
| Sep2024 | 69.71% | 5.22 | |
| Jun2024 | 66.25% | -0.70 | |
| Mar2024 | 66.72% | 25.58 | |
| Dec2023 | 53.13% | - | |
STATE BANK OF INDIA Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | -0.56 % |
| Y-o-Y | 6.35 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Sep2025 | ₹21,504 Cr | -0.56 | |
| Jun2025 | ₹21,627 Cr | 8.45 | |
| Mar2025 | ₹19,941 Cr | 3.99 | |
| Dec2024 | ₹19,175 Cr | -5.16 | |
| Sep2024 | ₹20,220 Cr | 2.74 | |
| Jun2024 | ₹19,681 Cr | -9.46 | |
| Mar2024 | ₹21,736 Cr | 92.65 | |
| Dec2023 | ₹11,283 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | -2.33 % |
| Y-o-Y | 0.60 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Sep2025 | 16.8 % | -2.33 | |
| Jun2025 | 17.2 % | 9.55 | |
| Mar2025 | 15.7 % | 2.08 | |
| Dec2024 | 15.38 % | -7.90 | |
| Sep2024 | 16.7 % | 0.36 | |
| Jun2024 | 16.64 % | -10.05 | |
| Mar2024 | 18.5 % | 85.00 | |
| Dec2023 | 10 % | - | |
STATE BANK OF INDIA Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | -3.62 % |
| Y-o-Y | 3.29 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Sep2025 | ₹22.9 | -3.62 | |
| Jun2025 | ₹23.76 | 8.20 | |
| Mar2025 | ₹21.96 | 3.98 | |
| Dec2024 | ₹21.12 | -4.74 | |
| Sep2024 | ₹22.17 | 2.40 | |
| Jun2024 | ₹21.65 | -9.64 | |
| Mar2024 | ₹23.96 | 93.23 | |
| Dec2023 | ₹12.4 | - | |
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