SBI Financial Statements

SBI (SBIN) reported revenue of ₹7,126.44B in FY2026 with net income of ₹832.99B. Total assets stood at ₹83.22T and free cash flow was ₹297.34B.

SBI Income Statement

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FY 2025 – FY 2026

Item	Chart	2025	2026
Op. Income Operating Income		4,909.38B	5,149.33B
Other Income		1,724.06B	1,977.11B
Total Income		6,633.43B	7,126.44B
Interest Exp. Interest Expenditure		3,009.43B	3,150.05B
Op. Expense Operating Expense		2,365.74B	2,626.50B
Provisions Provisions & Contingencies		468.09B	498.20B
Net Income		775.61B	832.99B
Dil. Shares Diluted Shares		8.92B	9.14B
Diluted EPS		86.91	91.16

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

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FY 2025 – FY 2026

Item	Chart	2025	2026
Cash		2,274.85B	2,686.82B
Loans & adv. Loans & advances		42.51T	49.78T
Investments		22.06T	23.60T
Total assets		73.14T	83.22T
Borrowings		6,108.57B	7,773.02B
Deposits		54.40T	60.43T
Total liabilities		68.09T	77.07T
Total equity		5,050.63B	6,148.99B
Total liab. & eq. Total liabilities & equity		73.14T	83.22T

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

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FY 2025 – FY 2026

Item	Chart	2025	2026
Net Income		1,049.09B	1,121.58B
Operating CF Cash flow Operating Activities		484.86B	380.97B
Capex Investments in PPE		-56.37B	-83.63B
Investing CF Cash flow Investing Activities		-56.35B	-6.91B
Dividend Paid		-122.27B	-142.31B
Financing CF Cash flow Financing Activities		-137.39B	-34.27B
Cash (start) Cash at beginning of period		3,265.72B	3,579.33B
Cash (end) Cash at end of period		3,579.33B	4,018.43B
FCF Free Cash Flow		428.49B	297.34B

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-2026