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 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Net Income	832,988	775,613	670,847	556,482	353,739
Depreciation & Amortization	48,297	39,915	38,491	36,956	36,913
Gain (Loss) on Sale of Assets	-23,771	237.48	252.05	290.32	66.62
Gain (Loss) on Sale of Investments	38,058	-46,965	-54,969	64,065	39,175
Total Asset Writedown	-	-	-	108,269	158,459
Provision for Credit Losses	210,330	188,436	109,774	56,415	45,818
Change in Other Net Operating Assets	-6,746,605	-5,247,278	-5,502,250	-5,564,843	-3,896,946
Other Operating Activities	4,664	56,442	-11,733	82,922	127,232
Operating Cash Flow	-5,651,017	-4,248,742	-4,763,695	-4,671,386	-3,143,845
Capital Expenditures	-83,630	-56,372	-41,751	-40,436	-33,053
Sale of Property, Plant and Equipment	-	-	-	-	2,543
Cash Acquisitions	-1,083	-	-821.61	-	-5,828
Income (Loss) Equity Investments	-14,979	-15,143	-14,107	-11,941	-8,302
Divestitures	77,794	-65.19	-	-	119.73
Other Investing Activities	9.3	90.01	55.72	26.63	31.95
Investing Cash Flow	-6,909	-56,347	-42,517	-40,410	-36,185
Long-Term Debt Issued	137,385	215,000	201,646	195,331	140,740
Long-Term Debt Repaid	-196,720	-151,039	-142,882	-21,250	-105,183
Net Debt Issued (Repaid)	-59,335	63,961	58,764	174,081	35,557
Issuance of Common Stock	249,945	1.29	-	0.06	-
Common Dividends Paid	-141,902	-122,267	-100,848	-63,367	-35,698
Net Increase (Decrease) in Deposit Accounts	6,031,991	4,733,605	4,980,020	3,811,249	3,720,794
Other Financing Activities	-82,980	-79,086	-56,879	-46,850	-38,304
Financing Cash Flow	5,997,720	4,596,215	4,881,057	3,875,113	3,682,348
Foreign Exchange Rate Adjustments	99,309	22,482	7,760	30,751	9,663
Net Cash Flow	439,103	313,606	82,604	-805,932	511,981
Free Cash Flow	-5,734,647	-4,305,115	-4,805,447	-4,711,822	-3,176,898
Free Cash Flow Margin	-153.48%	-125.54%	-146.90%	-177.66%	-141.76%
Free Cash Flow Per Share	-627.59	-482.39	-538.45	-527.96	-355.97
Cash Interest Paid	77,217	102,709	85,893	63,246	54,110
Cash Income Tax Paid	363,640	337,933	312,807	173,250	90,252

Source: S&P Global Market Intelligence. Banks template. Financial Sources.