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	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	775,613	670,847	556,482	353,739	224,055
Depreciation & Amortization	39,915	38,491	36,956	36,913	37,111
Gain (Loss) on Sale of Assets	237.48	252.05	290.32	66.62	-12,951
Gain (Loss) on Sale of Investments	-46,965	-54,969	64,065	39,175	28,261
Total Asset Writedown	-	-	108,269	158,459	297,327
Provision for Credit Losses	188,436	109,774	56,415	45,818	36,013
Change in Other Net Operating Assets	-5,247,278	-5,502,250	-5,564,843	-3,896,946	-4,331,662
Other Operating Activities	56,442	-11,733	82,922	127,232	205,443
Operating Cash Flow	-4,248,742	-4,763,695	-4,671,386	-3,143,845	-3,512,517
Capital Expenditures	-56,372	-41,751	-40,436	-33,053	-39,098
Sale of Property, Plant and Equipment	-	-	-	2,543	818.05
Cash Acquisitions	-	-821.61	-	-5,828	-31,769
Income (Loss) Equity Investments	-15,143	-14,107	-11,941	-8,302	3,887
Divestitures	-65.19	-	-	119.73	32,655
Other Investing Activities	90.01	55.72	26.63	31.95	31.95
Investing Cash Flow	-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)	63,961	58,764	174,081	35,557	105,333
Issuance of Common Stock	1.29	-	0.06	-	-
Common Dividends Paid	-122,267	-100,848	-63,367	-35,698	-
Net Increase (Decrease) in Deposit Accounts	4,733,605	4,980,020	3,811,249	3,720,794	4,411,706
Other Financing Activities	-79,086	-56,879	-46,850	-38,304	-33,907
Financing Cash Flow	4,596,215	4,881,057	3,875,113	3,682,348	4,483,133
Foreign Exchange Rate Adjustments	22,482	7,760	30,751	9,663	663.99
Net Cash Flow	313,606	82,604	-805,932	511,981	933,918
Free Cash Flow	-4,305,115	-4,805,447	-4,711,822	-3,176,898	-3,551,615
Free Cash Flow Margin	-125.54%	-146.90%	-177.66%	-141.76%	-203.29%
Free Cash Flow Per Share	-482.39	-538.45	-527.96	-355.97	-397.96
Cash Interest Paid	102,709	85,893	63,246	54,110	50,691
Cash Income Tax Paid	337,933	312,807	173,250	90,252	38,231

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.