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State Bank of India Q4 FY26 earnings call summary

NSE: SBIN · BSE: 500112

Earnings call of 8 May 2026, summarised by AI from the filing.

SBI FY26 net profit ₹80,032 cr, up 12.88%; guides FY27 domestic NIM above 3% and credit growth 13-15%.

Key takeaways

  1. FY26 net profit Record net profit of ₹80,032 cr, up 12.88% year-on-year, with domestic NIM at 3.03%.
  2. Q4 MTM loss Q4 MTM loss of ₹4,520 cr vs ₹143 cr in Q3, impacting profitability.
  3. Growth driver Credit growth driven by RAM segments; corporate growth guided at 12-13%.
  4. Key risk West Asian conflict could impact credit growth and asset quality, though no stress visible yet.

Original filing on BSE

State Bank of India Q1 FY27 results

As filed: Revenue ₹1,36,240 cr, EBITDA −₹10,938 cr, PAT ₹24,579 cr, EBITDA margin -8.0%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹1,31,080 cr, EBITDA −₹23,923 cr, PAT ₹20,161 cr, EBITDA margin -18.3%. Not scored. Bank result format: not scored yet. Share price after the results: −4.1% in 28 days (Nifty 500: −2.8%).
  • Q3 FY26: Revenue ₹1,30,590 cr, EBITDA −₹24,992 cr, PAT ₹21,876 cr, EBITDA margin -19.1%. Not scored. Bank result format: not scored yet. Share price after the results: +16.9% in 30 days (Nifty 500: −1.1%).
  • Q2 FY26: Revenue ₹1,28,041 cr, EBITDA −₹19,200 cr, PAT ₹21,504 cr, EBITDA margin -15.0%. Not scored. Bank result format: not scored yet. Share price after the results: −0.2% in 30 days (Nifty 500: −0.3%).
  • Q1 FY26: Revenue ₹1,25,729 cr, EBITDA −₹12,034 cr, PAT ₹21,627 cr, EBITDA margin -9.6%. Not scored. Bank result format: not scored yet. Share price after the results: +0.2% in 28 days (Nifty 500: +0.6%).
  • Q4 FY25: Revenue ₹1,26,997 cr, EBITDA −₹25,668 cr, PAT ₹19,941 cr, EBITDA margin -20.2%. Not scored. Bank result format: not scored yet. Share price after the results: +1.7% in 30 days (Nifty 500: +3.8%).
  • Q3 FY25: Revenue ₹1,24,654 cr, EBITDA −₹17,634 cr, PAT ₹19,175 cr, EBITDA margin -14.2%. Not scored. Bank result format: not scored yet.
  • Q2 FY25: Revenue ₹1,21,045 cr, EBITDA −₹15,284 cr, PAT ₹20,220 cr, EBITDA margin -12.6%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

State Bank of India earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.