Athira Sethu
Kochi, 9 May 2026
State Bank of India (SBI) shares came under heavy selling pressure on Friday, May 8, following the bank’s fourth quarter earnings announcement for FY26, which failed to meet investor expectations. Shares fell as much as 7.43% on the NSE to ₹1,010.90 and 7.37% on the BSE to ₹1,011, marking the steepest single-day decline in over six years. Despite this market reaction, the bank reported moderate profit growth, stable asset quality, and steady expansion across retail, SME, and corporate loan segments.
Quarterly and Annual Profit Performance
| Metric | Q4FY26 | Q4FY25 | YoY Change | FY26 | FY25 | YoY Change |
| Net Profit (₹ crore) | 19,684 | 18,643 | +5.6% | 80,032 | 70,933 | +12.88% |
| Provisions (₹ crore) | 3,140 | 3,964 | -21% | – | – | – |
Net Interest Income (NII) and Margins
| Metric | Q4FY26 (₹ crore) | Q4FY25 (₹ crore) | YoY Change | FY26 | FY25 | YoY Change |
| Net Interest Income (NII) | 44,380 | 42,617.84 | +4% | – | – | – |
| Whole Bank NIM | 2.81% | – | – | 2.91% | – | – |
| Domestic NIM | 2.93% | – | – | 3.03% | – | – |
Asset Quality
| Metric | Q4FY26 | Q4FY25 | QoQ/QoY Change |
| Gross NPA (₹ crore) | 18,830 | 19,667 | ↓ 4.2% YoY |
| Gross NPA (%) | 1.49% | 1.82% | ↓ 0.33% YoY |
Business and Deposits
| Metric | Amount (₹ lakh crore) |
| Total Business | 109 |
| Deposits | 59.8 |
| Advances | 49.3 |
| Agriculture Portfolio | 4+ |
Loan Portfolio Growth
| Segment | YoY Growth |
| Retail Loans | 17% |
| SME Advances | 21% |
| Retail Personal Loans | 15% |
| Corporate Loans | 14.83% |
| Gross Advances | 20.01% |
