Mumbai7 minutes ago
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The country’s largest government lender State Bank of India (SBI) has made a profit (stand-alone net profit) of Rs 20,160 crore in the second quarter of the financial year 2025-26. It has increased by 10% on annual basis. SBI had made a profit of ₹18,331 crore in the same quarter last year.
This profit of SBI also includes profit of Rs 4,593.22 from selling 13.18% stake of Yes Bank. State Bank’s total interest income in the July-September (Q2FY26) quarter stood at Rs 1.20 lakh crore. It was Rs 1.13 lakh crore in the same quarter last year. It has increased by 5.08% on annual basis.
Whereas in the second quarter, SBI’s net interest income stood at Rs 42,984 crore. It was Rs 41,620 crore in the same quarter last year. It has increased by 3.28% on annual basis.
Net NPA reduced by 9% to ₹18,460 crore
During the second quarter (Q2FY26), the net NPA i.e. non-performing asset of the bank has come down by 9.04% to Rs 18,460 crore. During July-September 2025 it was Rs 20,294 crore.
SBI had sold 13.18% stake in Yes Bank on September 17.
SBI had sold its 13.18% stake in Yes Bank on September 17, 2025 at a price of ₹21.50 per share, which made the bank a profit of ₹4,593.22 crore. The company has considered this profit as exceptional income, which will be deposited in the capital reserve.
After selling the stake, SBI’s stake in Yes Bank has come down to 10.78% by September 30, 2025. However, SBI will still be treated as an investment partner i.e. associate company.
What is standalone and consolidated?
The results of companies come in two parts – standalone and consolidated. Standalone shows the financial performance of only one segment or unit. Whereas, in the consolidated financial report, the entire company is reported.
Amount not returned becomes NPA
NPA i.e. Non-Performing Asset is a bank loan or credit which the borrowing person or organization is unable to repay on time.
In simple language, if a person or company does not repay the loan installment or interest taken from the bank for 90 days or more, then that loan becomes NPA.
This causes loss to the bank, because recovery of that money becomes difficult. Suppose, you took a loan of Rs 10 lakh from the bank and did not pay its EMI for more than 3 months, then that loan will be considered NPA.
SBI shares gave 10% return in one month
After the quarterly results, SBI shares are trading at its all-time high of Rs 959.30 with a rise of 1% today. It has increased by 10% in one month and 15% in one year.
The bank’s shares have risen by more than 21% in the last 6 months. The market cap of SBI is Rs 8.84 lakh crore. It is the sixth largest company in the country in terms of valuation.
SBI is the largest government bank of the country.
SBI is the largest government bank in the country. The government holds 55.5% stake in SBI. It was established on 1 July 1955. The headquarters of the bank is in Mumbai.
The bank has more than 23,000 branches and more than 50 crore customers. The bank operates in 22 countries of the world. It has 241 branches outside India.
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