SBI's 64% SB A/Cs Opened Digitally Through Yono

SBI’s Business Crossed Rs100 Tn

SBI Chairman Mr. C S Setty

FinTech BizNews Service

Mumbai, November 4, 2025: State Bank of India today declared its Q2 FY26 results along with the highlights of the bank’s performance in the second quarter of FY26. 

State Bank of India's Business crossed Rs100 Trillion, under the leadeship of its Chairman Mr. C S Setty.

Highlights

Business

• Business crossed Rs100 Trillion
• RAM Portfolio crossed Rs25 Trillion

Profitability

• Net Profit for Q2FY26 stands at Rs20,160 crores witnessing a growth of 9.97% YoY.
• Operating Profit for Q2FY26 up by 8.91% YoY to Rs31,904 crores.
• Bank’s ROA and ROE for the half year stand at 1.15% and 20.21% respectively
• Net Interest Income (NII) for Q2FY26 increased by 3.28% YoY.
• Whole Bank and Domestic NIM for the half year stand at 2.93% and 3.05% respectively.
• Whole Bank NIM for Q2FY26 is at 2.97% and Domestic NIM is at 3.09%.

Balance Sheet

• Whole Bank Advances growth at 12.73% YoY with Domestic Advances growth at 12.32% YoY.
• Foreign Offices’ Advances grew by 15.04% YoY.
• Retail Advances grew by 15.09% YoY, led by SME Advances growth at 18.78% YoY followed by Agri Advances growth at 14.23% YoY and Retail Personal Advances growth at 14.09%.
• Corporate Advances registered YoY growth of 7.10%.
• Whole Bank Deposits grew by 9.27% YoY. CASA Deposit grew by 8.06% YoY. CASA ratio stands at 39.63% as on 30th September 25.
• Asset Quality
  • Gross NPA ratio at 1.73% improved by 40 bps YoY.
  • Net NPA ratio at 0.42% improved by 11 bps YoY.
  • Provision Coverage Ratio (PCR) improved by 13 pbs YoY and stands at 75.79% while PCR (incl. AUCA) improved by 8 bps and stands at 92.29%.
  • Slippage Ratio for H1FY26 improved by 8 bps YoY and stands at 0.60%. Slippage Ratio for Q2FY26 improved by 6 bps YoY and stands at 0.45%
  • Credit Cost for Q2FY26 stands at 0.39%.
    
  • Capital Adequacy
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  • Capital Adequacy Ratio (CAR) as at the end of Q2FY26 stands at 14.62%.
  • Alternate Channels
  • More than 64% of SB accounts opened digitally through YONO in Q2FY26.
  • Share of Alternate Channels in total transactions increased from 98.2% in H1FY25 to 98.6% in H1FY26.