Link: https://links.sgx.com/1.0.0/corporate-announcements/BF881Q9ZVD2XBTK5/3f25f2fa78c8b28d4536ecabb9510d91aa2047938fcb59c075bc7e8622872ba6

Summary:

• Total income: ₹1,35,342 crore (vs ₹1,22,688 cr); other income ₹17,346 cr.

• Net interest income proxy: Interest earned ₹1,17,996 cr; interest expended ₹76,923 cr.

• Profit: Profit before tax ₹25,785 cr; PAT ₹19,160 cr (vs ₹17,035 cr YoY); consolidated PAT ₹21,202 cr.

• Asset quality: GNPA 1.83% (₹78,040 cr); NNPA 0.47% (₹19,908 cr); provision coverage 74.5% (PCR with AUCA 91.7%).

• Capital: CET-1 11.10%; overall capital adequacy 14.63%.

• Balance sheet: Deposits ₹54.73 lakh cr; advances ₹41.96 lakh cr; investment book ₹16.83 lakh cr.

• Provisions: Total provisions ₹4,759 cr; of which NPA provisions ₹4,934 cr; tax expense ₹6,625 cr.

• Other highlights: QIP of ₹25,000 cr completed in July 2025, raising paid-up equity to ₹9,230.6 cr; revaluation surplus on properties ₹7,289 cr added to reserves; sale of 14.96% stake in Jio Payments Bank booked profit ₹25.5 cr.

• Subsidiaries/JVs: Minor dilution in stakes at SBI Cards, SBI Life, SBI General, and YES Bank due to employee issuances; RRB amalgamations concluded with resultant stake transfers.

• Guidance/notes: Basel III Pillar 3 ratios disclosed on website; Limited Review Report with unmodified opinion; meeting concluded at 1:05 pm on 8 Aug 2025.