Business
SBI Q3 Results: Profit jumps 24% YoY to Rs 21,028 crore, NII rises 9%
The company’s operating profit (before provisions and contingencies) grew 40% YoY to Rs 32,862 crore.
The profit reported during the quarter was highest-ever for the bank, which came on the back of healthy loan growth.
The lender’s net interest margin stood at 2.99% in Q3FY26, while domestic NIM came in at 3.12%. For the nine months ended December 2025, domestic NIM was 3.08%.
Asset quality continued to improve, with the gross NPA ratio declining to 1.57%, down 50 basis points YoY. Net NPA ratio improved to 0.39%, lower by 14 basis points.
Provision coverage ratio, including AUCA, stood at 92.37%, while PCR excluding AUCA was 75.54%. Slippage ratio for the quarter remained contained at 0.40%, and credit cost stood at 0.29%.
On the balance sheet front, SBI’s total business crossed Rs 103 lakh crore, with deposits exceeding Rs 57 lakh crore and advances crossing Rs 46 lakh crore. The bank’s advances grew 15% YoY, led by domestic advances growth of 15%. Retail advances rose 16%, with all sub-segments reporting double-digit growth. SME advances expanded sharply by 21%, while agricultural advances grew 16% and retail personal loans increased 15%. Corporate advances also recorded a healthy growth of 13%.
Deposits grew 9% YoY, with CASA deposits rising 9%. The CASA ratio stood at 39.13% as of December 2025, while retail term deposits grew 14%, reflecting sustained traction in liability mobilisation.
The bank’s capital position remained comfortable, with the capital adequacy ratio at 14.04% and CET-1 ratio at 10.99%. Digital adoption also remained strong, with over 68% of savings bank accounts opened through Yono in Q3 and alternate channels accounting for nearly 98.6% of total transactions during the nine-month period.
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Operator
Good afternoon, I’d like to welcome everyone to Repay’s Fourth Quarter 2025 Earnings Conference Call. This call is being recorded today, March 9, 2026.
I’d like to turn the session over to Stewart Grisante, Head of Investor Relations at Repay. Stewart, you may begin.
Stewart Grisante
Head of Investor Relations
Thank you. Good afternoon, and welcome to Repay’s Fourth Quarter 2025 Earnings Conference Call. With us today are John Morris, Co-Founder and Chief Executive Officer; and Robert Houser, Chief Financial Officer.
During this call, we will be making forward-looking statements about our beliefs and estimates regarding future events and results. Those forward-looking statements are subject to risks and uncertainties, including those set forth in the SEC filings related to today’s results and in our most recent Form 10-K. Actual results may differ materially from any forward-looking statements that we make today.
Forward-looking statements speak only as of today, and we do not assume any obligation or intend to update them except as required by law. In an effort to provide additional information to investors, today’s discussion will also reference certain non-GAAP financial measures. Reconciliations and other explanations of those non-GAAP financial measures can be found in today’s press release and in the earnings supplement, each of which are available on the company’s IR site.
With that, I will now turn the call over to John.
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