SBI Q2FY27 Results Out, Check Summary and Net Profit

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%.

Click here to download Balance Sheet of SBI