State Bank of India (SBIN) — Net Asset Quality Index
State Bank of India (SBIN) has a Net Asset Quality Index of 7.8% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of Rs78.81 Trillion minus total liabilities of Rs72.70 Trillion yields net assets of Rs6.11 Trillion. A higher index indicates a stronger, lower-leverage balance sheet. See State Bank of India defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.
Quality Index
Net Assets
Total Assets
Total Liabilities
State Bank of India Net Asset Quality Index Over Time (2005–2025)
This chart shows how State Bank of India's Net Asset Quality Index has evolved across 21 annual periods from 2005 to 2025. As of December 2025, the index stands at 7.8%, representing net assets of Rs6.11 Trillion against total assets of Rs78.81 Trillion INR. Explore SBIN cash flow metrics to assess how effectively this company generates cash.
Annual Net Asset Quality Index for State Bank of India (2005–2025)
The table below presents the year-by-year Net Asset Quality Index for State Bank of India from 2005 to 2025, covering 21 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see SBIN market cap.
| Year | Quality Index | Net Assets (INR) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 6.9% | Rs5.05 Trillion | Rs73.14 Trillion | Rs68.09 Trillion | ▲ +0.5 pp |
| 2024 | 6.4% | Rs4.31 Trillion | Rs67.34 Trillion | Rs63.03 Trillion | ▲ +0.2 pp |
| 2023 | 6.2% | Rs3.72 Trillion | Rs59.54 Trillion | Rs55.83 Trillion | ▲ +0.3 pp |
| 2022 | 5.9% | Rs3.17 Trillion | Rs53.61 Trillion | Rs50.44 Trillion | ▲ +0.0 pp |
| 2021 | 5.9% | Rs2.85 Trillion | Rs48.46 Trillion | Rs45.60 Trillion | ▼ -0.3 pp |
| 2020 | 6.2% | Rs2.59 Trillion | Rs41.97 Trillion | Rs39.38 Trillion | ▼ 0.0 pp |
| 2019 | 6.2% | Rs2.41 Trillion | Rs38.88 Trillion | Rs36.48 Trillion | ▼ -0.3 pp |
| 2018 | 6.5% | Rs2.35 Trillion | Rs36.16 Trillion | Rs33.82 Trillion | ▲ +0.0 pp |
| 2017 | 6.5% | Rs2.24 Trillion | Rs34.45 Trillion | Rs32.21 Trillion | ▲ +0.4 pp |
| 2016 | 6.1% | Rs1.87 Trillion | Rs30.73 Trillion | Rs28.87 Trillion | ▼ -0.1 pp |
| 2015 | 6.2% | Rs1.67 Trillion | Rs27.00 Trillion | Rs25.33 Trillion | ▼ -0.2 pp |
| 2014 | 6.4% | Rs1.52 Trillion | Rs23.96 Trillion | Rs22.44 Trillion | ▲ +0.3 pp |
| 2013 | 6.1% | Rs1.29 Trillion | Rs21.33 Trillion | Rs20.04 Trillion | ▲ +0.1 pp |
| 2012 | 6.0% | Rs1.10 Trillion | Rs18.30 Trillion | Rs17.20 Trillion | ▲ +0.8 pp |
| 2011 | 5.2% | Rs864.48 Billion | Rs16.48 Trillion | Rs15.61 Trillion | ▼ -0.7 pp |
| 2010 | 5.9% | Rs857.67 Billion | Rs14.50 Trillion | Rs13.64 Trillion | ▲ +0.2 pp |
| 2009 | 5.7% | Rs746.19 Billion | Rs13.05 Trillion | Rs12.30 Trillion | ▼ -0.4 pp |
| 2008 | 6.2% | Rs632.65 Billion | Rs10.27 Trillion | Rs9.64 Trillion | ▲ +0.7 pp |
| 2007 | 5.4% | Rs442.26 Billion | Rs8.15 Trillion | Rs7.71 Trillion | ▼ -0.1 pp |
| 2006 | 5.5% | Rs386.37 Billion | Rs6.97 Trillion | Rs6.58 Trillion | ▲ +0.2 pp |
| 2005 | 5.4% | Rs338.56 Billion | Rs6.29 Trillion | Rs5.95 Trillion | — |