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<h1>SBI Q3 net profit rises 13% to Rs 21,317 crore; capital adequacy and asset quality improved.</h1> State Bank of India reported consolidated net profit of Rs 21,317 crore for Q3 FY26 (up 13.06% yoy) and standalone net profit of Rs 21,028 crore (up 24.48% yoy); standalone total income rose to Rs 1,40,915 crore and expenses to Rs 1,08,052 crore. Gross NPA ratio improved to 1.57% from 1.73% sequentially, provisions increased to Rs 4,507 crore year-on-year, and overall capital adequacy stood at 14.04% with a core buffer of 10.99% as of December 31, 2025.