State Bank of In's Q4 FY 2025-26 Quarterly Results

Result Summary

• State Bank of India reported a 2.5% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 0.8%.
• Its expenses for the quarter were up by 0.9% QoQ and 4.2% YoY.
• The net profit decreased 7.5% QoQ and increased 0.6% YoY.
• The earnings per share (EPS) of State Bank of India stood at 21.28 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

State Bank of India (SBI) is a public sector banking and financial services company. It is one of the largest banks in India, offering a wide range of products and services, including consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, wealth management, and credit cards. As a government-owned corporation, SBI plays a pivotal role in the Indian financial system. However, specific recent major developments within the company are not available in the provided data.

Revenue

For the fourth quarter of the fiscal year 2026 (Q4FY26), State Bank of India reported a total income of ₹181,079.02 crores. This represents a decrease of 2.5% from the previous quarter (Q3FY26), where the total income was ₹185,648.33 crores. Compared to the same quarter of the previous year (Q4FY25), which recorded a total income of ₹179,562.32 crores, there is a slight increase of 0.8%. The quarter-over-quarter decline may be attributed to various factors affecting the bank's income streams; however, specific reasons are not detailed in the data provided.

Profitability

The bank's profitability metrics for Q4FY26 exhibit some fluctuations. The Profit Before Tax (PBT) for this quarter was ₹26,075.51 crores, which is a 13.3% decrease from the previous quarter's PBT of ₹30,066.71 crores. Year-over-year, there is a decrease of 3.1% from Q4FY25's PBT of ₹26,896.82 crores. The Profit After Tax (PAT) for Q4FY26 was ₹20,507.98 crores, reflecting a 7.5% decrease from Q3FY26, which was ₹22,175.72 crores. However, compared to Q4FY25, there is a slight increase of 0.6% from ₹20,379.46 crores. These figures indicate changes in the bank's profitability over the respective periods, with adjustments in tax and provisions also playing a role.

Operating Metrics

Analyzing the operational aspects, total expenses for Q4FY26 were ₹151,342.12 crores, a marginal increase of 0.9% from Q3FY26's expenses of ₹150,033.16 crores. Year-on-year, there is a 4.2% increase from Q4FY25's expenses of ₹145,195.98 crores. Provisions and contingencies in Q4FY26 were reported at ₹3,661.39 crores, marking a significant decrease of 34.0% from the previous quarter and a 51.0% decrease year-over-year. The Earnings Per Share (EPS) stood at ₹21.28 in Q4FY26, decreasing by 7.8% from the previous quarter and by 3.1% year-over-year. These metrics provide insights into the bank’s operational efficiency and risk management strategies across different periods.