November 4, 2025 Report – The State Bank of India (SBI) has made 2025 its standout year. The bank announced its Q2FY26 Results. The results are impressive and crossed a historic ₹100 trillion in total business. Recently, it was recognised globally as the World’s Best Consumer Bank 2025 and Best Bank in India 2025 by Global Finance magazine. While the headline numbers from its Q2FY26 results underline steady profit growth, the deeper story is SBI’s accelerating digital transformation.
Q2 says lots of achievements and redefining what large-scale banking looks like in India., Here is the list –
FY2025-2026: SBI Joins the ₹100 Trillion Club
As per the Reports, now SBI has become the first Indian bank that touch this milestone and surpass ₹100 trillion in total business (deposits plus advances). This milestone highlights its unmatched reach across retail, SME, and corporate segments. SBI Last 200 year growth still unmatched.
“Crossing ₹100 trillion marks a new chapter for SBI and Indian banking as a whole,” said a senior official.
1. Business Growth Snapshot (₹ in Crores)
| Particulars | Sep 2024 | Sep 2025 | YoY Growth % |
|---|---|---|---|
| Gross Advances (The gross report) | 39,20,719 | 44,19,674 | 12.73 % |
| Deposits | 51,17,285 | 55,91,700 | 9.27 % |
| Total Business | 90,37, + Cr | 100,11,374 | 10.8 % |
| CASA Ratio (%) | 40.03 | 39.63 | – 40 bps YoY |
Steady Q2FY26 Financial Performance
SBI had a great quarter thanks to balanced growth and better efficiency. Their net profit jumped nearly 10% year-over-year, hitting about ₹20,160 crore, driven by higher income and better-managed loans.
2. Profitability Snapshot
| Metric | Q2 FY25 | Q2 FY26 | YoY % Change |
|---|---|---|---|
| Net Profit (based on last year) | ₹18,331 cr | ₹20,160 cr | +9.97 % |
| Operating Profit | ₹29,294 cr | ₹31,904 cr | +8.91 % |
| NII | ₹41,620 cr | ₹42,984 cr | +3.28 % |
| Gross NPA Ratio | 2.13 % | 1.73 % | –40 bps |
| Net NPA Ratio | 0.53 % | 0.42 % | –11 bps |
SBI’s asset quality reached its best level in a decade, even as credit growth stayed in double digits.
Digital Leap: 64% of Accounts Opened via YONO
In a clear sign of its digital strength, 64% of new savings accounts in Q2FY26 were opened through YONO, SBI’s flagship app.
Additionally, 98.6% of all customer transactions now take place through digital or alternative channels. India’s digital banking top share now goes to most of the government banks, the highest share held by YONO and SBI.
3 – Digital Channel Growth
| Metric | H1 FY25 | H1 FY26 | Change |
|---|---|---|---|
| Digital Transaction Share | 98.2 % | 98.6 % | 📈 Higher |
| Accounts Opened via YONO | ~57 % | 64 % | 📱 Growing |
| ATM + POS + UPI Share | – | >93 % | 📊 Dominant |
“YONO has become our biggest branch. The digital-first model drives both convenience and efficiency,” said an SBI representative.
2025- SBI Got Global Recognition for Excellence
SBI’s transformation is now gaining international recognition.
The bank won two top honours from Global Finance magazine:
- World’s Best Consumer Bank 2025 – for global leadership in customer service and inclusion.
- Best Bank in India 2025 –All thanks to YONO and their digital options that are expanding digital banking access nationwide.
The awards were presented at the Global Finance Awards Ceremony during the World Bank and IMF Annual Meetings.
Summary
2025 is the SBI’s growth year — a time when India’s largest bank combined scale, technology, and trust to set global standards. With digital banking at its core and global recognition on its side, SBI’s transformation from a traditional lender to a modern, tech-driven powerhouse is now complete.
Other news – Bharti Airtel Q2 FY26 Results: ₹6,792 Crore Profit, 89% Surge as Airtel Beats Jio in Growth Momentum
