What SBI filed
State Bank of India submitted to the exchanges its press release on financial results for the quarter ended 30 June 2026 (Q1 FY27), under Regulation 30 of SEBI's listing rules. The release covers profitability, balance-sheet growth, asset quality and capital position for the quarter.
The headline is scale: the bank said its total business crossed ₹110 trillion, with deposits above ₹60 trillion and advances above ₹50 trillion.
Profit and margins
Net profit rose year-on-year, which the bank attributes to net interest income growing faster than interest expenses. Operating profit also grew, and net interest income increased 14.88% YoY, per the filing. Domestic net interest margin stood at 3.00% and whole-bank NIM at 2.86%, each improving over the March 2026 quarter.
Return on assets and return on equity for the quarter were 1.11% and 17.87% respectively, according to the release.
Loan growth and asset quality
The filing describes broad-based loan growth, with whole-bank advances up 18.63% YoY. The bank noted double-digit growth across its RAM (retail, agriculture, MSME) segments — agriculture advances the fastest — alongside corporate advances growth. Deposit growth trailed loan growth, and the CASA ratio stood at 39.24% as on 30 June 2026.
Both gross and net NPA ratios improved year-on-year. The bank reported a provision coverage ratio, including AUCA, of 91.82%, and capital adequacy of 15.67%, with the CET-1 ratio strengthening over the year.
Digital channels
The bank said more than 64% of savings-bank accounts were opened digitally through YONO during the quarter, and the share of alternate channels in total transactions rose slightly year-on-year to about 98.8%.