State Bank of India Q3 FY2026 results: revenue ₹1,30,590 crore, up 4.8% on the year
State Bank of India (SBIN) reported consolidated interest earned of ₹1,30,590 crore for Q3 FY2026, the quarter ended 31 December 2025, up 4.8% on the same quarter a year earlier. Profit after tax was ₹21,876 crore, up 16.0% on the year, and earnings per share ₹23.09. The figures are the company's own, from the un-audited results it filed with NSE on 7 February 2026.
The quarter, against the one before and a year earlier
| Line | Q3 FY2026 | Q2 FY2026 | Q3 FY2025 | Change on the year |
|---|---|---|---|---|
| Interest earned | 1,30,590 | 1,28,040 | 1,24,654 | +4.8% |
| Interest expended | 78,783 | 78,002 | 77,397 | +1.8% |
| Other income | 55,059 | 47,857 | 43,200 | +27.5% |
| Total income | 1,85,648 | 1,75,898 | 1,67,854 | +10.6% |
| Provisions other than tax | 5,548 | 6,487 | 1,998 | +177.7% |
| Profit before tax | 32,305 | 31,380 | 25,566 | +26.4% |
| Profit after tax | 21,876 | 21,504 | 18,853 | +16.0% |
| Gross NPA % | 0.0% | 0.0% | n/a | |
| Net NPA % | 0.0% | 0.0% | n/a | |
| EPS, basic | ₹23.09 | ₹22.81 | ₹21.12 | +9.3% |
₹ crore except per share.
Segments, Q3 FY2026
| Segment | Revenue ₹ crore | Share of segment revenue | Result ₹ crore | Result over revenue |
|---|---|---|---|---|
| Treasury operations | 32,970 | 17.5% | 4,008 | 12.2% |
| Corporate/ Wholesale Banking operations | 38,679 | 20.6% | 9,435 | 24.4% |
| Retail Banking oprations- Digital Banking | 987 | 0.5% | 3,638 | 368.7% |
| Retail Banking oprations- Other Retail Banking | 66,888 | 35.5% | 11,842 | 17.7% |
| Insurance Business | 38,768 | 20.6% | 770 | 2.0% |
| Other Banking operations | 9,142 | 4.9% | 2,613 | 28.6% |
| Unallocated | 784 | 0.4% | 0 | 0.0% |
| Exceptional items | 0 | n/a | 0 | n/a |
Segment revenue and segment result as the company filed them, before inter-segment eliminations; share and result over revenue are arithmetic on those.
Quarterly results, the last 12 quarters
| Q2 FY2024 | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | Q1 FY2027 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest earned | 1,07,391 | 1,12,868 | 1,17,469 | 1,18,242 | 1,21,045 | 1,24,654 | 1,26,997 | 1,25,729 | 1,28,040 | 1,30,590 | 1,31,080 | 1,36,240 |
| Interest expended | 62,955 | 68,092 | 70,644 | 71,701 | 73,619 | 77,397 | 78,227 | 78,266 | 78,002 | 78,783 | 79,953 | 82,248 |
| Other income | 36,865 | 40,203 | 47,445 | 33,883 | 42,758 | 43,200 | 52,565 | 41,263 | 47,857 | 55,059 | 49,999 | 43,821 |
| Operating expenses | 58,598 | 61,190 | 63,027 | 49,589 | 57,123 | 62,892 | 66,969 | 54,233 | 65,778 | 71,251 | 71,389 | 59,183 |
| Operating profit before provisions | n/a | n/a | n/a | n/a | n/a | n/a | 34,366 | 34,493 | 32,117 | 35,615 | 29,737 | 38,632 |
| Provisions | 768 | 1,445 | 2,392 | 4,408 | 5,586 | 1,998 | 7,470 | 5,264 | 6,487 | 5,548 | 3,661 | 5,748 |
| Profit before tax | 21,936 | 15,245 | 28,852 | 26,428 | 27,474 | 25,566 | 28,689 | 32,119 | 31,380 | 32,305 | 27,987 | 35,431 |
| Tax | 5,553 | 3,962 | 7,115 | 6,747 | 7,255 | 6,391 | 6,955 | 7,602 | 7,152 | 8,191 | 5,914 | 8,305 |
| Net profit | 16,100 | 11,064 | 21,384 | 19,325 | 19,783 | 18,853 | 19,941 | 21,627 | 21,504 | 21,876 | 20,161 | 24,579 |
| EPS in ₹ | ₹18.04 | ₹12.40 | ₹23.96 | ₹21.65 | ₹22.17 | ₹21.12 | ₹21.96 | ₹23.76 | ₹22.81 | ₹23.09 | ₹21.28 | ₹26.12 |
| Gross NPA % | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net NPA % | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Filing | NSE | NSE | NSE | NSE | NSE | NSE | Filing | Filing | Filing | Filing | Filing | Filing |
₹ crore except per share, consolidated, as filed with the exchange. Quarters before December 2024 are from the exchange's earlier results feed, which carries the filed lines without the filing itself; the column links to the exchange's page for the company.
Source
Un-audited consolidated results for the quarter ended 31 December 2025, filed with NSE on 7 February 2026: the result statement. All of State Bank of India's results: NSE company page.
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