Net interest income for the period under review was Rs 45,190 crore, up 9.04% YoY. Net interest margin was 3.12% for the December 2025 period as against 3.15% for the December 2024 period.
Operating expenses rose by 6.05% to Rs 30,687 crore in the December 2025 quarter from Rs 28,935 crore in the December 2024 quarter.
Accordingly, the public sector bank registered an operating profit of Rs 32,862 crore in Q3 FY26, up 39.54% YoY.
Total provisions expanded by 77.71% to Rs 11,834 crore in Q3 FY26 from Rs 6,659 crore in Q3 FY25.
Profit before tax in Q3 FY26 stood at Rs 28,355 crore, up by 25.25% from Rs 22,640 crore in Q3 FY25.
Gross NPAs declined to 1.57% as of 31 December 2025, from 2.07% as of 31 December 2024. Net NPAs fell to 0.39% as of 31 December 2025 from 0.53% as of 31 December 2024.
The provision coverage ratio (PCR) (including AUCA) as on 31 December 2025 was at 92.37%. AUCA or advance under collection account (AUCA) is a dummy account maintained by SBI in which written off loan accounts are transferred.
The bank had a deposit base of Rs 57,01,309 crore as on 31 December 2025, up 9.02% YoY. Gross advances of the bank as on 31 December 2025 were Rs 46,83,508 crore, up 15.14% YoY.
Capital adequacy ratio (CAR) as at the end of Q3 FY26 stood at 14.04%.
State Bank of India is engaged in providing a wide range of products and services to individuals, commercial enterprises, large corporates, public bodies, and institutional customers. The Government of India held 55.50% stake in the bank as on 31 December 2025.
The scrip had lost 0.65% to end at Rs 1066.40 on the BSE on Friday.
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Beware of fraudulent tips, unauthenticated news and advice on stock market.
At BOB Capital, your account security is our topmost priority. Beware of receiving fraudulent communications, unauthenticated trading tips and unsolicited calls on trading in stocks from unverified sources, received through Whatsapp, Telegram, SMS, Calls, etc and take an informed decision before investing.
What should you do if you receive a trading tip over phone or SMS?
Report unsolicited messages to the Stock Exchange on +91 8291833676 or on designated email id i.e. feedbk_invg@nse.co.in. Please visit here to understand better.
Please visit CVC website at pledge.cvc.nic.in and take "Integrity Pledge" to be an active part of the "Satark Bharat, Samriddh Bharat" (Vigilant India, Prosperous India).
Filing complaints on SCORES - Easy & quick: a. Register on SCORES portal scores.sebi.gov.in/ b. Mandatory details for filing complaints on SCORES are i. Name, PAN, Address, Mobile Number, E-mail ID. c. Benefits: i. Effective communication ii. Speedy redressal of the grievances.
Valued Customer,
BOB Capital Markets Limited (BOBCaps) is firmly committed to the safety of your wealth. We would like to bring to your notice certain precautions that you certainly must take against potential tele-fraudsters/ unscrupulous and unregistered portfolio managers:
ALWAYS AVOID
We would like to caution you against such fraudulent calls and SMSes and urge you to be alert. Follow the golden rule:
Do not share your Login Credentials or Passwords with anybody
BOBCaps employees / representatives never ask for your password.
Certain tele-fraudsters / unscrupulous and unregistered portfolio managers call customers or SMS them on the pretext of providing investment tips and lure them to invest through their bogus firms by promising huge profits.
Such deceitful callers ask the customer to share his/her login credentials with passwords to allow trading in their accounts, assuring huge returns.
Often trades done in the customer’s accounts are far from the best interest of the customers. Holdings of customers are often sold and with the funds, trades are then placed in illiquid securities at unrealistic prices.
At times, the holdings of customers are sold at prices detrimental to the customer. The so-called “portfolio manager” assures profits, which naturally does not materialize. Customers are deceived into providing access to their trading accounts, thereby allowing such fraudsters access to funds and securities available to execute trades, injurious to the customer’s interest.
In our continuous effort to keep you safeguard from the market related frauds and increase awareness while conducting trades, we request you to go through the Press Release issued by the NSE and would request you to ensure that you do not engage with the individuals and entities mentioned below: