State Bank Of India has informed the Exchange about Investor Presentation
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State Bank of India reported Q1FY26 net profit of ₹19,160 crore, up 12.48% YoY, supported by operating profit of ₹30,544 crore (+15.49% YoY) on contained expenses. Total deposits crossed ₹54.73 lakh crore (+11.66% YoY) while whole bank advances grew 11.61% YoY to ₹42.5 lakh crore, led by SME (+19.1%) and Retail Personal (+12.56%). Net Interest Margins came under pressure, falling 32 bps YoY to 2.90%, though asset quality improved with Gross NPA at 1.83% and Net NPA at 0.47%, plus a credit cost of just 0.47%. The bank completed India's largest equity QIP of ₹25,000 crore in July 2025, boosting CET1 to 11.80%, with management guiding that RoE will stay above credit growth over the medium term.
Strong profit growth, improving asset quality, and the ₹25,000 crore QIP strengthening capital are positives for shareholders, though the sharp NIM contraction of 32 bps is a key concern that may pressure near-term earnings growth and ROA. GoI holding declined from 56.92% to 55.03% post-QIP, marginally diluting government stake.