State Bank of India Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	807,924	775,613	670,847	556,482	353,739	224,055
Depreciation & Amortization	43,545	39,915	38,491	36,956	36,913	37,111
Gain (Loss) on Sale of Assets	-23,763	237.48	252.05	290.32	66.62	-12,951
Gain (Loss) on Sale of Investments	-40,621	-46,965	-54,969	64,065	39,175	28,261
Total Asset Writedown	-	-	-	108,269	158,459	297,327
Provision for Credit Losses	203,483	188,436	109,774	56,415	45,818	36,013
Change in Other Net Operating Assets	-5,223,053	-5,247,278	-5,502,250	-5,564,843	-3,896,946	-4,331,662
Other Operating Activities	76,530	56,442	-11,733	82,922	127,232	205,443
Operating Cash Flow	-4,171,942	-4,248,742	-4,763,695	-4,671,386	-3,143,845	-3,512,517
Capital Expenditures	-61,976	-56,372	-41,751	-40,436	-33,053	-39,098
Sale of Property, Plant and Equipment	-	-	-	-	2,543	818.05
Cash Acquisitions	-1,083	-	-821.61	-	-5,828	-31,769
Income (Loss) Equity Investments	-15,988	-15,143	-14,107	-11,941	-8,302	3,887
Divestitures	77,794	-65.19	-	-	119.73	32,655
Other Investing Activities	18.91	90.01	55.72	26.63	31.95	31.95
Investing Cash Flow	14,755	-56,347	-42,517	-40,410	-36,185	-37,362
Long-Term Debt Issued	-	215,000	201,646	195,331	140,740	274,310
Long-Term Debt Repaid	-	-151,039	-142,882	-21,250	-105,183	-168,977
Net Debt Issued (Repaid)	-129,061	63,961	58,764	174,081	35,557	105,333
Issuance of Common Stock	249,941	1.29	-	0.06	-	-
Common Dividends Paid	-141,901	-122,267	-100,848	-63,367	-35,698	-
Net Increase (Decrease) in Deposit Accounts	4,838,163	4,733,605	4,980,020	3,811,249	3,720,794	4,411,706
Other Financing Activities	-116,582	-79,086	-56,879	-46,850	-38,304	-33,907
Financing Cash Flow	4,700,559	4,596,215	4,881,057	3,875,113	3,682,348	4,483,133
Foreign Exchange Rate Adjustments	43,342	22,482	7,760	30,751	9,663	663.99
Net Cash Flow	586,713	313,606	82,604	-805,932	511,981	933,918
Free Cash Flow	-4,233,918	-4,305,115	-4,805,447	-4,711,822	-3,176,898	-3,551,615
Free Cash Flow Margin	-118.53%	-125.54%	-146.90%	-177.66%	-141.76%	-203.29%
Free Cash Flow Per Share	-471.24	-482.39	-538.45	-527.96	-355.97	-397.96
Cash Interest Paid	122,041	102,709	85,893	63,246	54,110	50,691
Cash Income Tax Paid	344,133	337,933	312,807	173,250	90,252	38,231

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.