SBI Quarterly Results

Charts

Revenue Growth (Quarterly)

Financing Margin

EPS Growth

POSITIVES

Net interest income grew by 15% year-on-year, indicating robust lending growth.
The bank's non-performing assets (NPAs) decreased to 2.5%, showcasing improved asset quality.
Return on equity (ROE) increased to 14%, reflecting enhanced profitability and efficiency.

NEGATIVES

Cost-to-income ratio worsened to 50%, raising concerns about operational efficiency.
Provisioning for bad loans increased significantly, signaling potential future risks.
Loan growth slowed to 8%, indicating a more cautious lending environment.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	1,01,460	1,07,390.78	1,12,868.34	1,17,469.38	1,18,242.45	1,21,044.68	1,24,653.66	1,26,997	1,25,728.68	1,28,040.50
Expenses	1,04,025	1,21,552.79	1,29,281.56	1,33,670.97	1,21,289.66	1,30,742.23	1,40,288.98	1,45,195.98	1,32,499.16	1,43,780.82
Financing Profit	-2,565	-14,162.01	-16,413.22	-16,201.59	-3,047.21	-9,697.55	-15,635.32	-18,198.98	-6,770.48	-15,740.32
Other Income	30,872.80	36,865.34	40,203.30	47,444.98	33,882.60	42,757.70	43,199.91	52,565.32	41,263.14	47,857.29
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	25,207.60	21,935.71	15,244.83	28,851.86	26,427.77	27,474.31	25,566.40	26,896.82	29,229.12	28,656.64
Tax	6,471.69	5,552.53	3,962.17	7,115.39	6,746.97	7,254.69	6,391.05	6,955.43	7,602.48	7,152.15
Net Profit	18,736	16,383.18	11,282.66	21,736.47	19,680.80	20,219.62	19,175.35	19,941.39	21,626.64	21,504.49
Gross Npa %	0	0	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0	0	0