एसबीआई के गत 5 वर्षों के वित्त संबंधी मुख्य बातें

Investor Relations Quarterly ResultsBank RatingsBasel III Disclosures
Show More
Share Holder Bond Holder InformationGeneral MeetingAnnual General MeetingESG Financing FrameworkComposition Of The Central BoardFAQsDisclosure Under Regulation 46SBI Financial Highlights Past 5 yearsWebcast & Audio CallFinancial ResultsAnnual ReportQuarterly CalenderAnalyst CoveragePolicy on Issuance and Allocation of Green DepositsImpact Analysis and Post Issuance Assurance Of Green BondImpact Reporting and Post Issuance Assurance of Social LoanImpact Reporting of Bilateral Green Term Loan
Show Less
Show More
SBI Financial Highlights Past 5 Years

SBI Financial Highlights Past 5 Years

SBI Financial Highlights Past 5 Years

Table I
Rs. In Crore FY 2022 FY 2023 FY 2024 FY 2025 FY 2026
Deposits 40,51,534 44,23,778 49,16,077 53,82,190 59,75,642
Advances 27,33,967 31,99,269 37,03,971 41,63,312 48,77,895
Investments 14,81,445 15,70,366 16,71,340 16,90,573 18,01,254
Total Assets 49,87,597 55,16,979 61,79,694 66,76,053 76,23,012
Interest Income 2,75,457 3,32,103 4,15,131 4,62,489 4,82,797
Interest Expenses 1,54,750 1,87,263 2,55,255 2,95,524 3,09,677
Net Interest Income 1,20,708 1,44,841 1,59,876 1,66,965 1,73,120
Non-Interest Income 40,564 36,616 51,682 61,683 73,444
Total Operating Income 1,61,272 1,81,456 2,11,558 2,28,648 2,46,564
Staff Expenses 50,144 57,292 71,237 64,352 65,724
Overhead Expenses 35,836 40,451 46,524 53,717 57,825
Total Operating Expenses 85,979 97,743 1,17,761 1,18,069 1,23,549
Operating Profit 75,292 83,713 93,797 1,10,579 1,23,015
Total Provisions 36,198 33,481 25,621 39,679 42,983
Net Profit 31,676 50,232 61,077 70,901 80,032
Table II
US $ In Million FY 2022 FY 2023 FY 2024 FY 2025 FY 2026
Deposits 5,34,556 5,38,369 5,89,422 6,29,680 6,30,109
Advances 3,60,717 3,89,348 4,44,095 4,87,080 5,14,356
Investments 1,95,461 1,91,112 2,00,388 1,97,786 1,89,936
Total Assets 6,58,059 6,71,410 7,40,926 7,81,053 8,03,818
Interest Income 36,344 40,417 49,773 54,035 50,909
Interest Expenses 20,418 22,790 30,604 34,574 32,654
Net Interest Income 15,926 17,627 19,169 19,534 18,255
Non-Interest Income 5,352 4,456 6,197 7,217 7,744
Total Operating Income 21,278 22,083 25,365 26,750 25,999
Staff Expenses 6,616 6,972 8,541 7,529 6,930
Overhead Expenses 4,728 4,923 5,578 6,285 6,097
Total Operating Expenses 11,344 11,895 14,119 13,813 13,028
Operating Profit 9,934 10,188 11,246 12,937 12,971
Total Provisions 4,776 4,075 3,072 4,642 4,532
Net Profit 4,179 6,113 7,323 8,295 8,439
Table III
Key Financial Indicators FY 2022 FY 2023 FY 2024 FY 2025 FY 2026
ROA 0.67% 0.96% 1.04% 1.10% 1.12%
ROE 13.92% 19.43% 20.32% 19.87% 18.57%
EPS (Rs.) 35.49 56.29 68.44 79.44 87.59
BVPS (Rs.) 269.48 309.89 363.84 435.95 512.31
Dividend Payout Ratio 20.00% 20.08% 20.02% 20.01% 20.01%
Cost/ Income Ratio 53.31% 53.87% 55.66% 51.64% 50.11%
Capital Adequacy Ratio (Basel 3) 13.83% 14.68% 14.28% 14.25% 15.40%
Cost of Deposits (Dom.) 3.83% 3.99% 4.81% 5.11% 5.04%
Yield on Advances (Dom.) 7.58% 8.10% 8.91% 8.98% 8.50%
Yield on Investment (Dom.) 6.07% 6.51% 7.00% 7.21% 7.01%
Net Interest Margin 3.12% 3.37% 3.28% 3.09% 2.91%
Gross NPA Ratio 3.97% 2.78% 2.24% 1.82% 1.49%
Net NPA Ratio 1.02% 0.67% 0.57% 0.47% 0.39%
Provision Coverage Ratio (Excl AUCA) 75.04% 76.39% 75.02% 74.42% 74.36%
Provision Coverage Ratio (Incl AUCA) 90.20% 91.91% 91.89% 92.08% 91.97%
Table IV
Rs. In Crore FY 2022 FY 2023 FY 2024 FY 2025 FY 2026
CAPITAL & LIABILITIES
Capital 892 892 892 892 923
Reserves & Surplus 2,79,196 3,26,716 3,76,354 4,40,270 5,43,519
Deposits 40,51,534 44,23,778 49,16,077 53,82,190 59,75,642
Borrowings 4,26,043 4,93,135 5,97,561 5,63,573 7,31,254
Other Liabilities & Provisions 2,29,932 2,72,457 2,88,810 2,89,129 3,71,674
TOTAL LIABILITIES 49,87,597 55,16,979 61,79,694 66,76,053 76,23,012
ASSETS
Cash & Bank Balances with Reserve Bank of India 3,18,265 2,47,088 2,25,142 2,27,217 2,68,445
Balances with banks and money at call & short notice 76,287 60,812 85,660 1,13,012 1,16,115
Investments 14,81,445 15,70,366 16,71,340 16,90,573 18,01,254
Advances 27,33,967 31,99,269 37,03,971 41,63,312 48,77,895
Fixed Assets 37,708 42,382 42,617 44,108 54,790
Other Assets 3,39,925 3,97,062 4,50,964 4,37,831 5,04,513
TOTAL ASSETS 49,87,597 55,16,979 61,79,694 66,76,053 76,23,012
Table V
US $ In Million FY 2022 FY 2023 FY 2024 FY 2025 FY 2026
CAPITAL & LIABILITIES
Capital 118 109 107 104 97
Reserves & Surplus 36,837 39,761 45,124 51,509 57,312
Deposits 5,34,556 5,38,369 5,89,422 6,29,680 6,30,109
Borrowings 56,212 60,014 71,646 65,934 77,108
Other Liabilities & Provisions 30,337 33,158 34,627 33,826 39,192
TOTAL LIABILITIES 6,58,059 6,71,410 7,40,926 7,81,053 8,03,818
ASSETS
Cash & Bank Balances with Reserve Bank of India 41,992 30,070 26,994 26,583 28,307
Balances with banks and money at call & short notice 10,065 7,401 10,270 13,222 12,244
Investments 1,95,461 1,91,112 2,00,388 1,97,786 1,89,936
Advances 3,60,717 3,89,348 4,44,095 4,87,080 5,14,356
Fixed Assets 4,975 5,158 5,110 5,160 5,777
Other Assets 44,849 48,322 54,069 51,223 53,199
TOTAL ASSETS 6,58,059 6,71,410 7,40,926 7,81,053 8,03,818
Table VI
Market Related Ratios FY 2022 FY 2023 FY 2024 FY 2025 FY 2026
Share Price (as on last day of the year) Rs. 493.55 523.75 752.60 771.5 979.40
Price to Book Ratio (%) 1.83 1.69 2.07 1.77 1.91
Market Capitalization (Rs. In Cr) 4,40,474 4,67,427 6,71,666 6,88,534 9,04,047
Earning Per Share (Rs.) 35.49 56.29 68.44 79.44 87.59
P/E Ratio (%) 13.91 9.31 11.00 9.71 11.18

Last Updated On : Monday, 08-06-2026

Interest Rates

7.25%* p.a. onwards

w.e.f. 01.04.2026

*T&C Apply.

View All
SEE PRODUCTS APPLY NOW

Quick Links