SBI Financial Statements

SBI (SBIN) reported revenue of ₹6,633.43B in FY2025 with net income of ₹775.61B. Total assets stood at ₹73.14T and free cash flow was ₹428.49B.

SBI Income Statement

Hover the chart icon for year-over-year change.

FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Op. Income Operating Income		2,781.15B	2,899.73B	3,508.45B	4,391.89B	4,909.38B
Other Income		1,072.22B	1,170.00B	1,225.34B	1,553.86B	1,724.06B
Total Income		3,853.38B	4,069.73B	4,733.78B	5,945.75B	6,633.43B
Interest Exp. Interest Expenditure		1,560.10B	1,561.94B	1,899.81B	2,597.36B	3,009.43B
Op. Expense Operating Expense		1,504.30B	1,743.63B	1,898.14B	2,358.94B	2,365.74B
Provisions Provisions & Contingencies		546.18B	400.59B	370.24B	308.07B	468.09B
Net Income		224.05B	353.74B	556.48B	670.85B	775.61B
Dil. Shares Diluted Shares		8.92B	8.92B	8.92B	8.92B	8.92B
Diluted EPS		25.11	39.64	62.35	75.17	86.91

Figures in ₹ — millions (M), billions (B), trillions (T). EPS is earnings per share.

Understanding the Income Statement

The income statement shows SBI's revenue and expenses over a period. Revenue minus costs gives gross profit; after operating expenses, interest, and taxes, the remainder is net income. Diluted EPS divides net income by all shares that could exist if options and convertibles were exercised.

SBI Balance Sheet

Hover the chart icon for year-over-year change.

FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Cash		2,134.99B	3,184.92B	2,473.21B	2,253.56B	2,274.85B
Loans & adv. Loans & advances		25.01T	27.94T	32.68T	37.84T	42.51T
Investments		15.95T	17.76T	19.13T	21.11T	22.06T
Total assets		48.46T	53.61T	59.54T	67.34T	73.14T
Borrowings		4,337.96B	4,491.60B	5,211.52B	6,396.10B	6,108.57B
Deposits		37.15T	40.87T	44.69T	49.67T	54.40T
Total liabilities		45.60T	50.44T	55.83T	63.03T	68.09T
Total equity		2,851.87B	3,167.95B	3,717.68B	4,305.57B	5,050.63B
Total liab. & eq. Total liabilities & equity		48.46T	53.61T	59.54T	67.34T	73.14T

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding the Balance Sheet

The balance sheet captures SBI's financial position at a point in time — what it owns (assets), what it owes (liabilities), and the residual value to shareholders (equity). Total assets always equals total liabilities plus equity.

SBI Cash Flow Statement

Hover the chart icon for year-over-year change.

FY 2021 – FY 2025

Item	Chart	2021	2022	2023	2024	2025
Net Income		309.22B	487.56B	744.88B	901.86B	1,049.09B
Operating CF Cash flow Operating Activities		899.19B	576.95B	-860.14B	216.32B	484.86B
Capex Investments in PPE		-38.28B	-33.05B	-46.71B	-41.75B	-56.37B
Investing CF Cash flow Investing Activities		-37.36B	-36.19B	-40.41B	-42.52B	-56.35B
Dividend Paid		-36.52M	-35.71B	-63.38B	-100.97B	-122.27B
Financing CF Cash flow Financing Activities		71.43B	-38.45B	63.86B	-98.96B	-137.39B
Cash (start) Cash at beginning of period		2,543.15B	3,477.07B	3,989.05B	3,183.12B	3,265.72B
Cash (end) Cash at end of period		3,477.07B	3,989.05B	3,183.12B	3,265.72B	3,579.33B
FCF Free Cash Flow		860.91B	543.90B	-906.85B	174.57B	428.49B

Figures in ₹ — millions (M), billions (B), trillions (T).

Understanding Cash Flow

The cash flow statement tracks how SBI's cash moves through operations, investing, and financing activities. Free cash flow — operating cash minus capital expenditure — shows what is available to return to shareholders.

Data from audited consolidated filings. For educational purposes only — not investment advice. Last update: Mar-2025