Summary of Key Information:
Reporting Period (Quarter/Year): Quarter and Half Year ended September 30, 2026
Nature of Filing / Announcement: Outcome of Board Meeting - Financial Results
Audit Opinion:
Audit Opinion: Unmodified opinion in the Limited Review Report of the Statutory Central Auditors
Auditor's Comment: No qualifications or modifications affecting earnings quality, internal controls, or going concern
Key Financial Highlights [₹ in crore]:
Standalone Results:
Quarter ended September 30, 2026:
- Revenue from Operations: ₹143,796.01 crore (YoY growth from ₹134,979.47 crore in Q2 FY26)
- Total Income: ₹143,796.01 crore
- Net Profit: ₹23,037.95 crore (14.3% YoY growth from ₹20,159.67 crore)
- EPS: ₹24.96 (from ₹22.00 YoY)
- Interest Earned: ₹132,018.55 crore
- Other Income: ₹11,777.46 crore
- Interest Expended: ₹82,875.70 crore
- Operating Expenses: ₹33,983.07 crore
- Operating Profit: ₹26,937.24 crore
- Provisions and Contingencies: ₹4,216.86 crore
- Exceptional Items: ₹7,288.47 crore (profit from stake sale)
Half Year ended September 30, 2026:
- Revenue from Operations: ₹287,615.16 crore
- Net Profit: ₹44,159.17 crore
- EPS: ₹47.84
Consolidated Results:
Quarter ended September 30, 2026:
- Revenue from Operations: ₹187,756.19 crore
- Net Profit: ₹25,361.16 crore (after minority interest)
- EPS: ₹27.47
- Share in Profit of Associates: ₹476.12 crore
- Minority Interest: ₹856.43 crore
Half Year ended September 30, 2026:
- Revenue from Operations: ₹367,818.05 crore
- Net Profit: ₹49,474.16 crore (after minority interest)
- EPS: ₹53.60
Capital Structure:
- Paid-up Equity Share Capital: ₹923.08 crore (face value ₹1 each)
- Reserves: ₹5,09,114.00 crore (standalone)
- Other Equity: ₹5,26,440.74 crore (standalone)
Cash and Debt Position:
- Cash and Cash Equivalents: ₹3,34,133.44 crore (standalone)
- Total Borrowings: ₹6,89,511.40 crore (standalone)
- Debt-Equity Ratio: 0.57 (standalone)
Segment-wise Performance [₹ in crore]:
Standalone Segment Revenue Q2 FY27:
- Treasury Operations: ₹30,160.28 crore
- Corporate/Wholesale Banking: ₹40,556.95 crore
- Retail Banking: ₹73,078.78 crore
- Digital Banking: ₹820.22 crore
- Other Retail Banking: ₹72,258.56 crore
Standalone Segment Results Q2 FY27:
- Treasury Operations: ₹1,173.29 crore profit
- Corporate/Wholesale Banking: ₹7,460.03 crore profit
- Retail Banking: ₹17,224.39 crore profit
- Digital Banking: ₹6,128.09 crore profit
- Other Retail Banking: ₹11,096.30 crore profit
Consolidated Segment Revenue Q2 FY27:
- Insurance Business: ₹35,757.27 crore
- Other Banking Operations: ₹9,109.26 crore
Corporate Actions:
- Dividend Declaration: Interim dividend declared (amount not specified in main text)
- Share Allotment: 1,49,200 equity shares of face value ₹1 each allotted from Rights Issue 2008 shares held in abeyance
- Capital Raising: ₹4,691.00 crore raised through Additional Tier 1 Bonds on July 30, 2026
Other Significant Information:
- Exceptional Items: ₹7,288.47 crore pre-tax profit from divesting 6.30% stake in SBI Funds Management Limited
- Previous Exceptional Item: ₹4,593.22 crore from sale of 13.18% stake in Yes Bank Ltd in H1 FY26
- Investment Fluctuation Reserve: Entire balance of ₹11,522.30 crore transferred to General Reserve following RBI discontinuation directive
- Yes Bank AT1 Bonds: Supreme Court upheld Bombay High Court judgment on write-down of ₹8,415 crore AT1 bonds; bank evaluating implications
- Co-Lending Arrangements: ₹898.26 crore quantum with weighted average interest rate of 18.90%
- Projects Under Implementation: 2,049 accounts with ₹76,068.92 crore outstanding
Entities Included in Consolidation:
The consolidated results include SBI and its 27 Subsidiaries, 5 Joint Ventures, and 12 Associates (including 9 Regional Rural Banks)
Investor Complaints:
- Pending at beginning of quarter: Nil
- Received during quarter: 104
- Disposed during quarter: 104
- Unresolved at end of quarter: Nil