STATE BANK OF INDIA
Quarterly Results Analysis [Sep2026]
STATE BANK OF INDIA Quarterly Results
| Consolidated | Sep2026 UnAudited |
Jun2026 UnAudited |
Mar2026 UnAudited |
Dec2025 UnAudited |
Sep2025 Audited |
Jun2025 UnAudited |
Mar2025 UnAudited |
Dec2024 UnAudited |
|---|---|---|---|---|---|---|---|---|
| Interest Earned | ₹141,073 Cr | ₹136,240 Cr | ₹131,080 Cr | ₹130,590 Cr | ₹127,903 Cr | ₹125,563 Cr | ₹126,840 Cr | ₹124,654 Cr |
| Other Income | ₹46,683 Cr | ₹43,821 Cr | ₹49,999 Cr | ₹55,059 Cr | ₹47,994 Cr | ₹41,429 Cr | ₹52,722 Cr | ₹43,200 Cr |
| Interest Expended | ₹84,273 Cr | ₹82,248 Cr | ₹79,953 Cr | ₹78,783 Cr | ₹78,002 Cr | ₹78,266 Cr | ₹78,227 Cr | ₹77,397 Cr |
| Expenses | ₹71,892 Cr | ₹59,183 Cr | ₹71,389 Cr | ₹71,251 Cr | ₹65,778 Cr | ₹54,233 Cr | ₹66,969 Cr | ₹62,892 Cr |
| Operating Income | ₹31,592 Cr | ₹38,632 Cr | ₹29,737 Cr | ₹35,615 Cr | ₹32,117 Cr | ₹34,493 Cr | ₹34,366 Cr | ₹27,565 Cr |
| Provisions and contingencies | ₹4,916 Cr | ₹5,748 Cr | ₹3,661 Cr | ₹5,548 Cr | ₹6,487 Cr | ₹5,264 Cr | ₹7,470 Cr | ₹1,998 Cr |
| Profit Before Tax | ₹33,555 Cr | ₹32,884 Cr | ₹26,076 Cr | ₹30,067 Cr | ₹28,657 Cr | ₹29,229 Cr | ₹26,897 Cr | ₹25,566 Cr |
| Profit After Tax | ₹25,741 Cr | ₹24,579 Cr | ₹20,161 Cr | ₹21,876 Cr | ₹21,504 Cr | ₹21,627 Cr | ₹19,941 Cr | ₹19,175 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 | ₹27.47 | ₹26.12 | ₹21.28 | ₹23.09 | ₹22.90 | ₹23.76 | ₹21.96 | ₹21.12 |
| Industry Peers & Returns | 1W | 1M | 1Y |
| STATE BANK OF INDIA | 6.4% | 8.7% | 6.2% |
| BANK OF BARODA | 6% | 10.2% | -13.3% |
| UNION BANK OF INDIA | 6.9% | 14.1% | 23% |
| PUNJAB NATIONAL BANK | 7.9% | 13% | 2% |
| CANARA BANK | 8.1% | 7.1% | -11.8% |
| INDIAN BANK | 9.3% | 12.6% | 2.8% |
| INDIAN OVERSEAS BANK | 3.8% | 1.7% | -21.9% |
| BANK OF INDIA | 8.1% | 7.7% | -2.4% |
| BANK OF MAHARASHTRA | 10.4% | 6% | 46.5% |
STATE BANK OF INDIA Quarterly Net Interest Income
[ Net Interest Income = Interest Earned - Interest Expended ]| Net Interest Income | |
|---|---|
| Q-o-Q | 5.20 % |
| Y-o-Y | 13.83 % |
| Quarters | Net Interest Income | % Change | |
|---|---|---|---|
| Sep2026 | ₹56,801 Cr | 5.20 | |
| Jun2026 | ₹53,993 Cr | 5.61 | |
| Mar2026 | ₹51,127 Cr | -1.31 | |
| Dec2025 | ₹51,807 Cr | 3.82 | |
| Sep2025 | ₹49,901 Cr | 5.51 | |
| Jun2025 | ₹47,297 Cr | -2.71 | |
| Mar2025 | ₹48,613 Cr | 2.87 | |
| Dec2024 | ₹47,257 Cr | - | |
STATE BANK OF INDIA Quarterly Operating Profit
| Operating Profit | |
|---|---|
| Q-o-Q | -18.22 % |
| Y-o-Y | -1.64 % |
| Quarters | Operating Profit | % Change | |
|---|---|---|---|
| Sep2026 | ₹31,592 Cr | -18.22 | |
| Jun2026 | ₹38,632 Cr | 29.91 | |
| Mar2026 | ₹29,737 Cr | -16.50 | |
| Dec2025 | ₹35,615 Cr | 10.89 | |
| Sep2025 | ₹32,117 Cr | -6.89 | |
| Jun2025 | ₹34,493 Cr | 0.37 | |
| Mar2025 | ₹34,366 Cr | 24.68 | |
| Dec2024 | ₹27,565 Cr | - | |
| Operating Margins | |
|---|---|
| Q-o-Q | -22.26 % |
| Y-o-Y | -13.58 % |
| Quarters | Operating Margin% | % Change | |
|---|---|---|---|
| Sep2026 | 55.62% | -22.26 | |
| Jun2026 | 71.55% | 23.02 | |
| Mar2026 | 58.16% | -15.40 | |
| Dec2025 | 68.75% | 6.82 | |
| Sep2025 | 64.36% | -11.75 | |
| Jun2025 | 72.93% | 3.17 | |
| Mar2025 | 70.69% | 21.19 | |
| Dec2024 | 58.33% | - | |
STATE BANK OF INDIA Quarterly Profit After Tax
| Profit After Tax(PAT) | |
|---|---|
| Q-o-Q | 4.73 % |
| Y-o-Y | 19.70 % |
| Quarters | Profit After Tax | % Change | |
|---|---|---|---|
| Sep2026 | ₹25,741 Cr | 4.73 | |
| Jun2026 | ₹24,579 Cr | 21.91 | |
| Mar2026 | ₹20,161 Cr | -7.84 | |
| Dec2025 | ₹21,876 Cr | 1.73 | |
| Sep2025 | ₹21,504 Cr | -0.56 | |
| Jun2025 | ₹21,627 Cr | 8.45 | |
| Mar2025 | ₹19,941 Cr | 3.99 | |
| Dec2024 | ₹19,175 Cr | - | |
| PAT Margins | |
|---|---|
| Q-o-Q | 1.16 % |
| Y-o-Y | 8.57 % |
| Quarters | PAT Margin(%) | % Change | |
|---|---|---|---|
| Sep2026 | 18.25 % | 1.16 | |
| Jun2026 | 18.04 % | 17.30 | |
| Mar2026 | 15.38 % | -8.18 | |
| Dec2025 | 16.75 % | -0.36 | |
| Sep2025 | 16.81 % | -2.38 | |
| Jun2025 | 17.22 % | 9.54 | |
| Mar2025 | 15.72 % | 2.21 | |
| Dec2024 | 15.38 % | - | |
STATE BANK OF INDIA Quarterly Earnings Per Share (EPS)
| EPS | |
|---|---|
| Q-o-Q | 5.17 % |
| Y-o-Y | 19.96 % |
| Quarters | EPS | % Change | |
|---|---|---|---|
| Sep2026 | ₹27.47 | 5.17 | |
| Jun2026 | ₹26.12 | 22.74 | |
| Mar2026 | ₹21.28 | -7.84 | |
| Dec2025 | ₹23.09 | 0.83 | |
| Sep2025 | ₹22.9 | -3.62 | |
| Jun2025 | ₹23.76 | 8.20 | |
| Mar2025 | ₹21.96 | 3.98 | |
| Dec2024 | ₹21.12 | - | |
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