State Bank of

SBI reported a record net profit of ₹8,032 croreCurrent reported value: ₹8,032 crore. No comparable prior figure is available in the source record. for Q4 FY26, up 12.88% YoYCurrent reported value: 12.88% YoY. No comparable prior figure is available in the source record., driven by strong operating profitability and improved asset quality. Domestic NIM stood at 3.03%Current reported value: 3.03%. No comparable prior figure is available in the source record., meeting the bank's guidance of above 3%. Total business crossed ₹109 trillionCurrent reported value: ₹109 trillion. No comparable prior figure is available in the source record., with credit growth of 16.87% YoY and deposit growth of 11.03%. Asset quality improved further with gross NPA at 1.49%Current 1.49%. Reported change: -33bps YoY. and net NPA at 0.39%Current 0.39%. Reported change: -8bps YoY.. The bank maintained ROA above 1% and ROE at 18.5%. Management guided for FY27 domestic NIM above 3%, credit growth of 13-15%, and credit cost of 50 bps. Key risks include potential impact from the West Asia conflict on MSME clusters and the transition to ECL provisioning from April 2027, though management expressed confidence in a smooth transition.