State Bank of India (SBI), India's largest state-owned bank, is set to reveal its quarterly financial results on Friday, August 8, 2025. The bank's Board will convene in Mumbai to approve the financial results for the quarter ended June 30, 2025.

Earnings Call and Webcast

SBI has scheduled an earnings call for 5:15 p.m. on the same day at the State Bank Bhavan Auditorium in Mumbai. Investors and analysts can access a live webcast of the event, providing an opportunity to gain insights into the bank's performance directly from its management.

SBI's Market Position

With assets exceeding Rs 61 lakh crore, SBI serves over 50 crore customers through its extensive network of more than 22,500 branches. The bank's global footprint spans 29 countries, underlining its significant role in India's banking sector.

Previous Quarter Performance

In the quarter ended March 31, 2025, SBI reported:

The bank witnessed a 10% year-on-year decline in net profit, while net interest income saw a modest increase of 2.7%. Asset quality showed improvement, with the gross non-performing assets ratio decreasing to 1.82% from 2.07% in the previous year.

Recent Stock Performance

SBI's stock has shown mixed performance recently:

• Past 5 trading sessions: +0.68%
• Last month: -0.92%
• Year-to-date: +0.78%

The stock reached its 52-week high of Rs 875.45 on December 6, 2024, and touched a low of Rs 680 on March 3, 2025.

As investors and analysts await the Q1 FY26 results, all eyes will be on SBI's performance amidst the evolving economic landscape. The upcoming announcement will provide crucial insights into the bank's financial health and its ability to navigate the current market conditions.

State Bank of India (SBI), India's largest public sector bank, is expected to report a subdued operating performance for the April-June quarter, according to analyst projections. The bank is also gearing up for an analyst meet to discuss its Q1FY26 results.

Projected Financial Performance

Analysts anticipate a slight decline in SBI's standalone net profit for the quarter. The bank is expected to report a net profit of Rs 16,964.00 crore, down 0.40% year-on-year, and a decrease from Rs 18,643.00 crore in the March quarter.

Net interest income, a key metric for banks, is projected to fall over 3% to Rs 42,430.00 crore from Rs 42,775.00 crore in the previous quarter. This decline is attributed to falling yields on advances and the lagged repricing of deposit costs.

Margin Compression

One of the primary concerns for SBI this quarter is the expected compression in net interest margin (NIM). Analysts project the NIM to contract to 2.85% from 3.15% in the previous quarter. Multiple brokerages, including Nomura, Systematix, and Prabhudas Lilladher, have echoed this sentiment, anticipating margin contraction.

Loan Growth and Asset Quality

Despite the challenges, SBI is expected to maintain steady loan growth. Analysts project year-on-year loan growth between 11-13%, although sequential growth is expected to be modest at 0.5-1%.

Asset quality is anticipated to remain stable, with gross non-performing assets (NPAs) expected to decline modestly. However, there might be some pressure on slippages due to stress in the agriculture book.

Factors Influencing Profitability

While the overall outlook appears tepid, several factors are expected to provide some support to SBI's profitability:

• Treasury gains
• Lower operating costs
• Controlled expenses
• Decreased provisions (as one-off provisioning from the previous quarter won't recur)

Upcoming Analyst Meet

In a recent disclosure to the stock exchanges, SBI announced an analyst and institutional investor meet scheduled for August 8, 2025, at 5:15 pm. The meet will take place after the declaration of Q1FY26 results and will be held both in-person at the State Bank Bhavan Auditorium in Mumbai and via live webcast.

The bank stated that the presentation to analysts and investors would be filed with stock exchanges and hosted on the bank's website following the declaration of financial results. SBI emphasized that only information available in the public domain would be shared during this meet.

As investors and analysts await the official Q1FY26 results, all eyes will be on SBI's performance amidst challenging market conditions and its strategies to navigate the anticipated margin compression.