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SBI Q2FY27 Results Out, Check Summary and Net Profit

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State Bank of India has released Q2FY27 Results.

Business

  • Business levels at ~₹115 trillion.
  • Deposits and Advances at ₹63 trillion and ₹52 trillion, respectively.

Profitability

  • Net Profit for Q2FY27 stands at ₹23,038 crores, witnessing a growth of 14.28% YoY.
  • Operating Profit for Q2FY27 grew by 7.28% YoY to ₹34,226 crores.
  • Bank’s ROA and ROE for the half year stand at 1.14% and 18.68%, respectively.
  • Net Interest Income (NII) for Q2FY27 increased by 14.69% YoY.
  • Whole Bank and Domestic NIM for the H1FY27 stand at 2.90% and 3.06%, respectively.
  • Whole Bank NIM and Domestic NIM stood at 2.94% and 3.11%, respectively, in Q2FY27, improving by 8 bps and 11 bps, respectively, over Q1FY27.

Balance Sheet

  • Whole Bank Advances growth at 17.84% YoY with Domestic Advances growth at 16.94% YoY.
  • Foreign Offices’ Advances grew by 22.86% YoY in Rupee terms and 13.84% in Dollar terms.
  • RAM Advances grew by 17.34% YoY, with double-digit growth in all segments. Agri Advances grew by 22.64% YoY, followed by SME Advances growth of 21.97% YoY and Retail Personal Advances growth of 14.54%.
  • Corporate Advances registered YoY growth of 16.12%.
  • Whole Bank Deposits grew by 12.27% YoY. CASA Deposits grew by 8.13% YoY. CASA Ratio stands at 38.32% as on 30th September 2026. Retail Term Deposits registered YoY growth of 16.74%.

Asset Quality

  • Gross NPA Ratio at 1.39% improved by 34 bps YoY.
  • Net NPA Ratio at 0.36% improved by 6 bps YoY.
  • Provision Coverage Ratio (PCR) stands at 74.43% while PCR (incl. AUCA) stands at 91.83%.
  • Slippage Ratio for Q2FY27 improved by 4 bps YoY and stands at 0.41%.
  • Credit Cost for Q2FY27 stands at 0.22%, a reduction of 17 bps YoY.

Capital Adequacy

  • Capital to Risk Weighted Assets Ratio (CRAR) as at the end of Q2FY27 stands at 16.09%.
SBI Q2FY27 Results Out, Check Summary and Net Profit
SBI Q2FY27 Results Out, Check Summary and Net Profit

Click here to download Balance Sheet of SBI

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Hellobanker Team

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