365telugu.com online news,MUMBAI,February 7th,2026: State Bank of India (SBI), the nation’s largest lender, announced a robust set of financial results for the third quarter of FY26 on Saturday, marked by record-breaking profits and a significant improvement in asset quality.
The state-owned banking giant reported a 13.06% increase in consolidated net profit, reaching ₹21,317 crore for the December quarter. This surpasses the ₹18,853 crore profit recorded during the same period last year and shows steady growth from the ₹21,137 crore earned in the preceding September quarter.
Standalone Performance & Revenue Growth
On a standalone basis, SBI’s performance was even more striking. The bank reported its highest-ever quarterly net profit of ₹21,028 crore, representing a 24.48% year-on-year jump.
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Other key standalone financial highlights include:
Total Income: Rose to ₹1,40,915 crore, up from ₹1,28,467 crore in the previous year.
Net Interest Income (NII): Grew by approximately 9% to reach ₹45,190 crore.
Operating Profit: Witnessed a sharp 39.54% increase, climbing to ₹32,862 crore.
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SBI demonstrated a healthy strengthening of its balance sheet. The Gross Non-Performing Assets (NPA) ratio improved to 1.57% as of December 31, 2025, down from 1.73% in the September quarter and significantly better than the previous year.
While the bank increased its overall provisions to ₹4,507 crore—up from ₹911 crore a year ago—analysts noted that this proactive buffering reflects the bank’s cautious strategy amid global economic fluctuations.
Capital Strength and Loan Growth
The lender’s capital position remains strong with a Capital Adequacy Ratio (CAR) of 14.04%, including a core buffer (CET-1) of 10.99%.
Loan growth remained a primary driver for the quarter, with total advances crossing the ₹46 trillion mark, growing at over 15% year-on-year. This was supported by balanced growth across both corporate and retail personal loan segments.
The results, approved by the Central Board of Directors in Mumbai, align with the bank’s continued focus on credit expansion and margin management. Following the announcement, SBI held an analyst meet at State Bank Bhavan to discuss the strategic outlook for the remainder of the fiscal year, with management expressing confidence in the bank’s “robust capital position” to fuel future growth.