SBINNSE3 May 2025

State Bank Of India has informed the Exchange about Investor Presentation

State Bank of India

The Listing Department, BSE Limited, Phiroje Jeejeebhoy Towers, 25th Floor, Dalal Street, Mumbai – 400001

The Listing Department, National Stock Exchange of India Limited, Exchange Plaza, 5th Floor, C / 1, ‘G’ Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051

BSE SCRIP Code: 500112

NSE SCRIP Code: SBIN

CC/S&B/AND/2025-26/72

03.05.2025

Madam / Sir,

Presentation for Analysts / Investors meet on Financial Results for the quarter and year ended 31.03.2025

ln compliance with the provisions of Regulation 30 read with Part A of Schedule III and other applicable provisions of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we submit the presentation for Analysts / Investors on financial results of the Bank for the quarter and year ended 31.03.2025.

The analyst presentation is available on the website of the Bank under the link:

https://sbi.co.in/web/investor-relations/analyst-presentation

Yours faithfully,

(Aruna N. Dak) DGM (Compliance & Company Secretary)

Annual

FY25

A N A L Y S T P R E S E N T A T I O N | 0 3 . 0 5 . 2 0 2 5

Safe Harbor

Certain statements in these slides are forward-looking statements. These statements are based on Management's current expectations and are subject to uncertainty and changes in circumstances. Actual outcomes may differ materially from those included in these statements due to a variety of factors.

Contents 1

Executive Summary

Financial Performance

Digital Journey

06-12

Performance Highlights

04-05

Overview

30-36

Capital Adequacy

37-38

Asset Quality

13-29

39-43

44-51

Banking with a Purpose

52-58

Subsidiaries, Group Financials & Balance Sheet

59-64

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Key trends in FY25

Operating Profit – crossed ₹ 1 lakh crore with a YoY growth of 17.89%

Driven by efficiency in Operating income and contained Operating expenses

Liability franchise – sustained domestic market share of over 22%, driven by reach, trust and adding value to customers

Deposits cross ₹ 53 lakh crore, Current account balances up 27.02% YoY

Credit growth – up 12.03% YoY; significant scale across business lines

Whole Bank Advances cross ₹ 42 lakh crore, broad based credit growth; SME advances cross ₹ 5 lakh crore; domestic credit to deposit ratio at 69.71%

Industry leading asset quality outcomes – credit cost at 0.38% for the year, GNPA Ratio at 1.82%, NNPA Ratio at 0.47%

Slippage ratio at 0.55%; retail personal slippage ratio at 0.48%

Well provided for Stressed Book, PCR at 74.42%

Net NPA at ₹ 19,667 crores; additional provisions of ₹ 30,493 crores not included in PCR

Digital Banking – >98% transactions through alternate channels

8.77 crore registered users on YONO, 64% of savings account opened through YONO in FY25

FY25 Analyst Presentation

Overview

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Redefining banking in India

We are India’s largest bank

Our Balance Sheet size >₹66 trillion

Proud to serve >52 crore customers

>8.7 crore users on our YONO platform

>13.9 crore users on our Retail Internet Banking platform

>15,800 Peak transactions per second

Unparalleled market share (%)*

Deposits

Advances

Debit card spends

ATMs

Mobile banking transactions (No.)

Mobile banking transactions (value)

*Market share as per latest available data

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Customer Touch Points

National reach

Branches 22,937

ATM / ADWM 63,791

CSP 77,251

Rural

8,280

7,180

58,563

Semi-urban

6,643

20,384

10,139

Urban

Metro

4,108

21,042

7,545

3,906

15,185

1,004

International presence

Offices/ Joint Ventures/ Representative offices

Countries of presence

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Consistent asset growth, improving asset quality and increasing CD ratio

Outstanding Advances

Gross NPA %

Corporate Advances (₹ in Crores)

7.71

5.96

12,40,592

11,38,202

9,79,768 3.55

8,70,712

8,18,705

2.45

1.49

13,00,000

12,00,000

11,00,000

10,00,000

9,00,000

8,00,000

7,00,000

FY 21

FY 22

FY 23

FY 24

FY 25

SME Advances (₹ in Crores)

7.67

6.55

3,05,517

2,78,949

5,50,000

5,00,000

4,50,000

4,00,000

3,50,000

3,00,000

2,50,000

5,06,027

4.76 3,59,270

4,33,037

3.75

3.27

9.00

8.00

7.00

6.00

5.00

4.00

3.00

2.00

1.00

8.00

7.00

6.00

5.00

4.00

3.00

2.00

Per Retail Advances (₹ in Crores)

0.80

0.74

11,79,152 0.63

10,02,303

8,70,711

16,00,000

15,00,000

14,00,000

13,00,000

12,00,000

11,00,000

10,00,000

9,00,000

8,00,000

7,00,000

15,06,477

13,52,265 0.70

0.74

FY 21

FY 22

FY 23

FY 24

FY 25

Agri Advances (₹ in Crores)

15.17

13.33

2,14,151

2,28,229

11.47

2,58,612

3,04,944

9.58

3,48,524

8.43

4,00,000

3,50,000

3,00,000

2,50,000

2,00,000

1,50,000

0.85

0.80

0.75

0.70

0.65

0.60

0.55

0.50

16.00

15.00

14.00

13.00

12.00

11.00

10.00

9.00

8.00

7.00

6.00

Foreign Office Advances (₹ in Crores)

0.68

3,56,877

6,50,000

6,00,000

5,50,000

5,00,000

4,50,000

4,00,000

3,50,000

3,00,000

2,50,000

0.55

4,92,440

4,11,910

0.40

6,19,083

5,39,086

0.28

0.22

0.80

0.70

0.60

0.50

0.40

0.30

0.20

FY 21

FY 22

FY 23

FY 24

FY 25

CD Ratio - Domestic (%)

68.34

69.71

65.28

61.13

61.39

FY 21

FY 22

FY 23

FY 24

FY 25

FY 21

FY 22

FY 23

FY 24

FY 25

FY 21

FY 22

FY 23

FY 24

FY 25

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Consistent value to our shareholders

Market Capitalisation (₹ in Crores)

4,40,474 4,67,427

3,25,123

6,71,443

7,13,970

Share Price (₹)

Dividend per share (₹)

752.35

800.00

493.55

523.75

364.30

15.90

13.70

11.30

7.10

4.00

FY 21

FY 22

FY 23

FY 24

FY 25*

FY 21

FY 22

FY 23

FY 24

FY 25*

FY 21

FY 22

FY 23

FY 24

FY 25

Earnings Per Share (₹)

79.44

68.44

56.29

35.49

22.87

Book Value Per Share (₹)

435.95

363.84

309.89

240.53

269.48

FY 21

FY 22

FY 23

FY 24

FY 25

FY 21

FY 22

FY 23

FY 24

FY 25

*as on 2nd May 2025

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Nurturing talent for future ready SBI… Initiatives

Engagement

Recruitment

Knowledge Management & Upskilling

• Under the “Next LEAP” initiative, Chairman and Top Management have engaged with staff across the bank to interact and gather feedback on training effectiveness and suggestions to further enhance productivity and operational efficiency.

adequacy,

skill

lakh

1.75

• “SuPer SBI”: Great to Greater, a mass engagement training program engaged employees, inspiring pride in bank’s legacy and empowering them with knowledge, skills and the right attitude to ensure sustained performance and future readiness.

• Regular Engagement & Happiness assess conducted

Surveys employee engagement.

• Strategic Talent acquisition based on bank’s priorities carried out through regular requirement at entry level and lateral recruitments at all levels.

Performance & Productivity

• New data driven System is in place efficient

for performance assessment digitally.

standardized

and

• HRMS

revamped available on mobile.

and made

• “SPARK” (Learning Management System) as a single source of Learning launched by the Bank that aligns with individual development plans and ensures future readiness with new age skill sets.

Succession Planning

• Succession planning policy for all senior level executives is in place to ensure smooth transition at all critical positions.

Wellbeing

Diversity, Equity & Inclusion (DEI)

• Professional

counselors

made

available at each circle.

• Webinars and awareness camps organized for employee wellbeing.

• Dedicated portal

‘Sanjeevani’

for

employees’ voices.

• Women wellbeing at the forefront – a and

Focused supportive, empowering workplace for all.

initiatives

equitable

foster

Awards and recognition

3 Awards at ET Human Capital Awards • HR Leader of the Year – Large Scale Organizations (Gold Category) for 3 years in a row (2023, 2024 and 2025)

• Excellence in Change Management

(Gold Category)

• Excellence in Health and Wellness

Initiatives (Silver Category)

LinkedIn Talent Awards ’25 (Public Sector – Best Employer Brand)

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Accolades

SBI Recognised among the “World’s Best Trade Finance Providers 2025” by the Global Finance Magazine, New York.

SBI Ranked “5th Strongest Indian Brand 2024” by Brand Finance India 100, 2024.

FINIXX Awards 2024 • Brand of the Year 2024: BFSI Sector • Best use of social media (Banking): Gold • Best use of Video Marketing (Banking): Gold • Best use of Influencer Marketing (Banking):

Gold

• Best use of Holiday, Seasonal & Festival

Marketing (Banking): Gold

was

recognized

as SBI the “Best Bank in India” for the year by Global 2024 Finance. The award ceremony took place in Washington, DC.

SBI awarded with “Best Bank in MSME Lending”

with

honoured

the SBI prestigious for “Contribution to the sector by an Enabling Institution” at Global Inclusive Finance Summit, Delhi.

award

9th DIGIXX Awards 2025 • Brand of the Year – GOLD • Best Short Video Campaign (Multiple Platforms) – GOLD • Best Use of Social Media in

Brand Activation – SILVER

• PR / Online Reputation Management (ORM) – SILVER • Brand Awareness Campaign –

BRONZE

SBI is awarded the Best Bank in Retail Finance Category by Automobile Federation of India Dealers (FADA)

Association,

SBI awarded “Best category in Public for excellence in financial reporting by ICAI.

Banks”

Sector

ET Human Capital Awards 2025-

• Gold medal to Shri Binod Kumar Mishra, DMD (HR) & CDO, State Bank of India for HR Leader of the year - large scale organizations (Organizations having employee strength of more than 1000).

• Gold medal to State Bank of India for Excellence in

Change Management.

• Silver medal to State Bank of India for Excellence in

Health and Wellness Initiatives.

EASE 6.0 CITATION WINNERS – Top PERFORMING Bank • • Delivering excellence in customer service with

digital enablement Tech and data enabled capability building

•

FY25 Analyst Presentation

Performance Highlights

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Key performance indicators

Profitability

Business growth continues

Operating Profit crosses

Whole Bank advances cross

₹1 lakh crore at ₹1,10,579 crores

₹42 trillion

Asset quality

improving

outcomes

12.03% YoY Growth in Advances

Robust growth across all segments

Whole Bank deposits cross ₹53 trillion

9.48% YoY Growth in Deposits

Gross NPA at 1.82%

Net NPA at 0.47%

Credit Cost for FY25 at 0.38%

Net Profit

In FY25 at ₹70,901 crores

In Q4FY25 at ₹18,643 crores

ROA at 1.10% for FY25

ROE at 19.87% for FY25

Whole Bank NIM at 3.09% for

FY25

Domestic NIM at 3.22% for FY25

Well provided Stressed Book

Digital Leadership

PCR at 74.42%; PCR (incl. AUCA) at 92.08%

>98% transactions through alternate channels

Total non-NPA provisions (not included in PCR) at ₹30,493 crores which are ~155% of Net NPAs at the end of Q4FY25

Digital leadership in Debit card spends, ATMs, value & no. of Mobile Banking transactions

YONO driving digital agenda of the Bank with 8.77 crore registered customers

FY25 Analyst Presentation 14

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Key indicators

Year Ended

FY24

FY25

YoY Growth

Net Interest Income

1,59,876

1,66,965

4.43%

Net Interest Margin – Whole Bank (%)

Net Interest Margin – Domestic (%)

3.28

3.43

3.09

-19 bps

3.22

-21 bps

Operating Profit

93,797

1,10,579

17.89%

Profit & Loss (₹ in Crores)

Net Profit

Credit Cost

Gross NPA

Net NPA

PCR (Incl. AUCA)

PCR

Capital Adequacy

Key Ratios (in %)

Balance Sheet (₹ in Crores)

Gross Advances

Total Deposits

61,077

70,901

16.08%

0.29

2.24

0.57

91.89

75.02

14.28

0.38

9 bps

1.82

-42 bps

0.47

-10 bps

92.08

19 bps

74.42

-60 bps

14.25

-3 bps

37,67,535

42,20,703

12.03%

CASA

RAM Advances

19,41,996 20,65,161

20,90,246

23,61,028

₹ in Crores

Return on Assets (%)

1.04

1.10

% 4 3 . 6

% 5 9 . 2 1

s p b 6

Mar 24

Mar 25

Mar 24 Mar 25

FY24

FY25

Term Deposits

Corporate Advances

Return on Equity (%)

31,01,702

27,82,340

11,38,202

12,40,592

20.32

19.87

% 8 4 . 1 1

% 0 0 . 9

s p b 5 4 -

49,16,077

53,82,190

9.48%

Mar 24

Mar 25

Mar 24 Mar 25

FY24

FY25

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Credit growth

Share of Domestic Advances

Mar 24 (%)

Mar 25 (%)

41.89

Retail Per

41.83

42.50

Retail Per

9.45

Agri

13.41 SME

9.68

9.30 AGRI

Agri

35.25 Corporate

14.05

13.20 SME SME

Segment

Mar 2024

Mar 2025

₹ in Crores

YoY Growth (%)

Retail Personal

13,52,265

15,06,477

11.40

Agri

SME

3,04,944

3,48,524

14.29

4,33,037

5,06,027

16.86

Corporate

11,38,202

12,40,592

9.00

Domestic Advances

32,28,448

36,01,620

11.56

35.00 Corporate

34.44 Corporate

Foreign Offices Advances

5,39,086

6,19,083

14.84

Total Whole Bank Advances

37,67,535

42,20,703

12.03

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Credit growth Retail Personal Banking Leadership across all segments

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

As on Mar 2025

Retail Personal Portfolio of

O/S, ₹ in crores

YoY Growth, %

GNPA, %

lakh crores

Home Loans

3 - year CAGR at

Mar 25:

of Dom. Adv.

Auto Loans

Xpress Credit

Personal Gold Loans

Other P Seg Loans

As per latest available data Bank’s market share in Home loans is 27.3% & in Auto loans is 20.2%

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Credit growth Diversified Loan Portfolio High quality asset book

Corporate Rating mix (%)

Mar 25

Mar 24

~40% share to PSUs / Govt. Depts. as on Mar 25

AAA

BBB

BB & below

AAA

BBB

BB & below

Industry mix

(₹ in Crores)

Outstanding as on 31st Mar 25

Fund Based O/S

Sectors

Infrastructure of which: Power

Telecommunication Roads & Ports Other Infrastructure

Services Iron & Steel Aviation & Airports Tourism & Hotels Textiles Petroleum & Petrochemicals Engineering Comm. Real Estate Other Industries Home Loans Auto Loans Other Retail Loans Agriculture Total Domestic Advances

Amount

% Share

YOY Gr %

3,97,320 2,27,408 25,600 1,01,609 42,703 5,01,348 63,417 24,532 10,618 39,754 65,773 37,128 69,955 5,36,773 8,30,763 1,27,100 5,48,614 3,48,524 36,01,620

11.03 6.31 0.71 2.82 1.19 13.92 1.76 0.68 0.29 1.10 1.83 1.03 1.94 14.90 23.07 3.53 15.23 9.68 100.00

0.67 11.08 -15.72 -9.95 -8.64 10.21 -4.11 15.32 -19.16 2.58 12.11 41.12 20.49 22.18 14.46 9.06 7.59 14.29 11.56

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Credit growth International Banking Gross Advances: 14.84% YoY growth ₹ in Crores

Break up of Loan Portfolio (%)

Loan Portfolio across Geographies (%)

5,39,086 5,52,957

5,88,185

6,11,334 6,19,083

31.0

32.9

36.1

Mar 24

Jun 24

Sep 24 Dec 24 Mar 25

Asset Quality: NPAs Contained GNPA (%)

Highlights:

Local Lending

India Linked

Loans

Trade Finance

HongKong

GIFT City (India)

USA

Bahrain

UAE

Singapore

Japan

Germany

Sydney

Others

0.28

0.25

0.24

0.23

0.22

Mar 24

Jun 24

Sep 24 Dec 24 Mar 25

• Customer Credit crossed ₹ 6 trillion milestone during FY 2025.

• Gross advances have grown by 14.84% YoY. External Commercial Borrowings, Local

Credit and Trade Finance business are major drivers of customer credit.

• Growth in customer credit is majorly contributed by US Ops, GIFT City, Singapore,

Middle East and East Asia region branches.

• Gross NPA ratio is down by 6 bps YoY and showing declining trend quarter over quarter,

underlining high quality of assets booked.

FY25 Analyst Presentation 19

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Deposit growth

Share of Domestic Deposits

Particulars

Mar 2024

Mar 2025

₹ in Crores

YoY Growth (%)

Mar 24 (%)

Mar 25 (%)

CA, 6.08

CA, 7.06

SA, 35.03

SA, 32.91

TD, 58.89

Current Account Deposits (CA)

2,87,043

3,64,593

27.02

Saving Bank Deposits (SA)

16,54,953

17,00,568

CASA Deposits

19,41,996

20,65,161

2.76

6.34

Term Deposits (TD)

27,82,340

31,01,702

11.48

Domestic Deposits

47,24,336

51,66,863

9.37

TD, 60.03

Foreign Offices Deposits

1,91,741

2,15,326

12.30

Total Deposits

49,16,077

53,82,190

9.48

CASA:

FY25 Analyst Presentation 20

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Unmatched Liability Franchise – Key value driver of the Bank

Savings Account Balance (₹ Trillion)

Number of Branches ('000)

7 8 . 5 1

3 3 . 6 1

8 7 . 6 1

7 1 . 7 1

7 . 4

1 . 5

8 . 5

4 . 7

25.00

20.00

15.00

10.00

5.00

0.00

1 4 . 2 2

1 0 . 2 2

4 1 . 2 2

2 2 . 2 2

7 2 . 2 2

0 . 0 1

9 . 0 1

9 . 1 1

7 . 3 1

1 . 5 1

1 4 . 2 2

8 . 5 1

4 5 . 2 2

5 . 6 1

4 9 . 2 2

0 . 7 1

Mar 14

Mar 15

Mar 16

Mar 17

Mar 18

Mar 19

Mar 20

Mar 21

Mar 22

Mar 23

Mar 24

Mar 25

• Short term cyclical factors notwithstanding, SA remains strong for the Bank; 5 year CAGR: 7.3%, 10 year CAGR: 12.7%

• Outstanding balance in Saving Accounts is almost three times of the next largest Bank

• Number of SA accounts opened daily: ~63,800

• Strengthening liability franchise and CASA mobilisation remains the strategic focus of the Bank

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Asset quality

Restructuring

Restructuring 1.0

Retail Personal

Corporate

SME

Total O/S

Restructuring 2.0

Retail Personal

Corporate

SME

Total O/S

Total Restructuring

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

₹ in Crores

As on Mar 24

As on Mar 25

2,001

816

2,075

4,892

1,645

578

1,356

3,579

As on Mar 24

As on Mar 25

9,048

3,339

12,387

17,279

7,322

2,022

9,344

12,923

FY25 Analyst Presentation 22

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Net interest income

(Cumulative)

Net Interest Margins (%)

Yield on Investments (%)

3.43

3.28

2.16

3.35

3.22

2.22

3.31

3.18

2.14

3.25

3.12

2.06

3.22

3.09

2.01

7.20

7.21

7.00

Mar 24

Jun 24

Sep 24

Dec 24

Mar 25

Mar 24

Jun 24

Sep 24

Dec 24

Mar 25

Domestic Ops

Foreign Offices

Whole Bank

Domestic

Yield on Advances (%)

Cost of Deposits (%)

8.97

8.89

8.93

8.94

8.98

6.14

6.21

6.24

5.92

5.77

4.81

4.03

5.00

5.03

5.07

5.11

4.30

4.32

4.23

4.15

Mar 24

Jun 24

Sep 24

Dec 24

Mar 25

Mar 24

Jun 24

Sep 24

Dec 24

Mar 25

Domestic

Foreign Offices

Domestic

Foreign Offices

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Non-interest income

Fee Income

30,919

28,126

Loan Processing Charges

Commission on LC / BG

₹ in Crores

Cross Selling

5,867

6,027

3,491

3,210

4,546

3,891

% 3 9 . 9

% 3 7 . 2

% 8 7 . 8

% 4 8 . 6 1

FY24

FY25

FY24

FY25

FY24

FY25

FY24

FY25

Fee Income grew by

Forex Income grew by

Recovery from AUCA accounts at

YoY in FY25

crores in FY25

FY25 Analyst Presentation 24

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Treasury Operations

Break up of Domestic Investments (%)

0.41

1.01

31.99

13.75

1.17 9.22

67.60

74.85

Mar 24

Mar 25

Mar 2024

A&S

FVTPL-NHFT

FVTPL-HFT

HFT

AFS

HTM

Modified Duration 1.97

Yield on Investments (%)

7.00

7.21

₹ in Crores

Total Investments Book

Mar 24

Mar 25

Domestic Investments

16,14,852

16,19,773

- of which SLR

13,65,749

13,25,476

s p b 1 2

Foreign Offices Investments

67,362

74,183

Total Investments Book

16,82,214

16,93,956

FY24

FY25

AFS Book (%)

Mar 2025

Modified Duration 2.40

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Operating expenses Focus continues on improving income streams with control on costs

FY25

13.8

45.5

40.7

Salary

Retiral benefits & other provisions

Overheads

Staff Expenses to Operating Income (%)

Overheads to Operating Income (%)

53.87

22.29

31.57

FY23

55.66

21.99

33.67

FY24

51.64

23.49

28.14

FY25

Cost to Income Ratio (%)

53.87

55.66

51.64

FY23

FY24

FY25

Cost to Average Assets (%)

2.01

1.86

1.84

58.00

56.00

54.00

52.00

50.00

48.00

46.00

44.00

42.00

40.00

2.10

2.00

1.90

1.80

1.70

1.60

1.50

FY23

FY24

FY25

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Capital – assessment based on credit growth and RoE trends

RWA density (%)

Credit Growth & RoE (%)

62.9

59.6

56.9

57.7

54.7

52.4

53.1

49.6

49.7

50.4

54.7

52.1

CET 1 Ratio (%)

9.59

9.31

9.81

9.82

9.68

9.62

9.77

10.02

9.94

10.27

10.36

10.81

RoE

Credit growth

19.4

20.3

19.9

15.4

10.5

11.2

7.3

13.0

7.7

7.8

7.3

7.7

5.6

9.9

4.8

12.0

4.9

0.5

-3.8

13.9

11.0

16.0

15.2

12.0

25.0

20.0

15.0

10.0

5.0

0.0

-5.0

-10.0

FY14

FY15

FY16

FY17

FY18

FY19

FY20

FY21

FY22

FY23

FY24

FY25

FY14

FY15

FY16

FY17

FY18

FY19

FY20

FY21

FY22

FY23

FY24

FY25

• Over the medium term we expect RoE to be greater than credit growth

FY25 Analyst Presentation

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Executive Summary

Overview

Provisions

Credit cost at

PCR at

Non NPA provisions at

for FY25

legacy book well provided

of Net NPA at end of FY25

Available Buffer ₹ in Crores

Provisions on standard assets at end of Q4FY25

24,424

Additional Provision for Restructured Standard Accounts

Other Loan Related Provisions

Total provisions not included in PCR at end of Q4FY25

4,562

1,507

30,493

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Sustainable RoE / RoA – a perspective

ROE (in %)

25.00

20.00

15.00

10.00

5.00

0.00

-5.00

-3.78

FY18

ROA (in %)

-0.19

FY18

19.43

20.32

19.87

7.74

9.94

13.92

0.48

FY19

FY20

FY21

FY22

FY23

FY24

FY25

0.96

1.04

1.10

0.38

0.48

0.67

0.02

FY19

FY20

FY21

FY22

FY23

FY24

FY25

Upward trend in ROE

Improvement in ROE from FY19 onwards

Upward trend in ROA

Continuous improvement in ROA from FY19 onwards

FY25 Analyst Presentation

Financial Performance

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Financials – at a glance

Particulars (₹ in Crores)

Quarter Ended

Year Ended

Growth (%)

Interest Income

Interest Expenses

Net Interest Income

Non Interest Income

Operating Income

Operating Expenses

Operating Profit

Total Provisions

Exceptional items*

Net Profit

NIM (Whole Bank) (%)

NIM (Domestic) (%)

Cost to Income Ratio (%)

Cost to Assets (%)

Q4FY24

Q3FY25

Q4FY25

FY24

FY25

1,11,043

1,17,427

1,19,666

4,15,131

4,62,489

69,387

41,655

17,369

59,024

30,277

28,748

8,049

75,981

41,446

11,041

52,486

28,935

23,551

6,659

76,892

42,775

24,210

66,985

35,698

31,286

12,643

20,698

16,891

18,643

3.30

3.47

51.30

1.99

3.01

3.15

55.13

1.79

3.00

3.15

53.29

2.15

93,797

25,621

7,100

61,077

3.28

3.43

55.66

2.01

Q4FY25 over Q3FY25

Q4FY25 over Q4FY24

1.91

1.20

3.21

27.62

23.37

32.84

89.86

7.77

10.81

2.69

39.38

13.49

17.91

8.83

57.08

51,682

61,683

119.28

2,55,255

2,95,524

1,59,876

1,66,965

2,11,558

2,28,648

1,17,761

1,18,069

1,10,579

39,679

FY25 over FY24

11.41

15.78

4.43

19.35

8.08

0.26

17.89

54.87

70,901

10.37

-9.93

16.08

3.09

3.22

-1 bps

-30 bps

-19 bps

0 bps

-32 bps

-21 bps

51.64

-184 bps

199 bps

-402 bps

1.84

36 bps

16 bps

-17 bps

* Provisions on account of one-time increase in pension liabilities at uniform rate of 50% and Dearness Relief (DR) Neutralization

FY25 Analyst Presentation 31

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Executive Summary

Overview

Total income

Particulars (₹ in Crores)

Quarter Ended

Year Ended

Growth (%)

Q4FY24

Q3FY25

Q4FY25

FY24

FY25

Q4FY25 over Q3FY25

Q4FY25 over Q4FY24

FY25 over FY24

Interest on Loans

Interest on Resources

Other Interest Income

Total Interest Income

Fee Income

Profit / Loss on Sale / Revaluation of Investments

Forex Income

Misc. Income

77,647

29,366

4,030

83,627

85,710

2,89,784

3,30,627

30,530

30,585

1,13,731

1,19,447

3,270

3,371

11,616

12,415

1,11,043

1,17,427

1,19,666

4,15,131

4,62,489

2.49

0.18

3.11

1.91

8,724

3,463

225

4,957

7,267

1,194

2,532

9,896

6,879

2,859

4,575

28,126

30,919

36.17

11,836

15,303

476.32

1,715

4,379

5,869.15

1,171.79

155.33

10,005

11,082

80.69

Total Non Interest Income

17,369

11,041

24,210

51,682

61,683

119.28

Total Income

1,28,412

1,28,467

1,43,876

4,66,813

5,24,172

11.99

10.38

14.09

4.15

-16.34

5.03

6.88

7.77

11.41

13.43

98.67

9.93

29.30

-7.71

39.38

12.04

10.76

19.35

12.29

FY25 Analyst Presentation 32

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Fee income break up

Particulars (₹ in Crores)

Quarter Ended

Year Ended

Growth (%)

Q4FY24

Q3FY25

Q4FY25

FY24

FY25

Loan Processing Charges

2,025

1,542

Commission on Govt. Business

Commission on LC/BG

Cross Selling

Remittance, Collection, etc.

Misc. Fee Income

Fee Income

995

841

1,121

1,907

1,836

8,724

1,966

1,037

989

1,285

2,200

2,419

5,867

3,919

3,210

3,891

6,347

4,892

925

965

1,288

1,619

928

Q4FY25 over Q3FY25

Q4FY25 over Q4FY24

FY25 over FY24

27.54

-2.89

2.73

12.11

4.23

-0.14

2.50

17.63

8.78

-0.23

14.62

16.84

35.83

15.35

8.17

6,027

3,914

3,491

4,546

6,866

6,075

160.62

31.75

24.16

7,267

9,896

28,126

30,919

36.17

13.43

9.93

FY25 Analyst Presentation 33

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Total expenses

Particulars (₹ in Crores)

Quarter Ended

Year Ended

Growth (%)

Q4FY24

Q3FY25

Q4FY25

FY24

FY25

Q4FY25 over Q3FY25

Q4FY25 over Q4FY24

Interest on Deposits

Interest on Borrowings

Other Interest Paid

Total Interest Expenses

Salary

Provisions for Employees

Staff Expenses

Overheads

of which: Business Acquisition & Development Expenses

58,976

66,241

67,446

2,21,460

2,57,228

7,321

3,090

69,387

11,254

5,094

16,348

13,929

2,300

6,358

3,382

6,149

3,297

22,444

25,547

11,351

12,750

75,981

76,892

2,55,255

2,95,524

11,891

13,342

45,421

48,051

4,183

4,663

25,816

16,301

16,074

18,005

71,237

64,352

12,862

17,693

46,524

53,717

1,715

2,226

6,405

6,493

Operating Expenses

Total Expenses

30,277

28,935

35,698

1,17,761

1,18,069

99,664

1,04,917

1,12,590

3,73,016

4,13,593

1.82

-3.29

-2.53

1.20

12.21

11.47

12.02

37.57

29.81

23.37

7.31

14.36

-16.01

6.69

10.81

18.56

-8.47

10.14

27.03

-3.20

17.91

12.97

FY25 over FY24

16.15

13.83

12.32

15.78

5.79

-36.86

-9.66

15.46

1.37

0.26

10.88

FY25 Analyst Presentation 34

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Executive Summary

Overview

Overheads

Particulars (₹ in Crores)

Quarter Ended

Year Ended

Growth (%)

Rent, Taxes & Lighting

Depreciation

Printing & Stationery

Postage & Telecommunications

Repairs & Maintenance to Bank's Property

Travelling & Halting

Deposit & General Insurance

Business Acquisition & Development Expenses

ATM / CDM / Debit Card / Other Tech Expenses

Misc. Expenses

Overheads

Q4FY24

Q3FY25

Q4FY25

FY24

FY25

Q4FY25 over Q3FY25

Q4FY25 over Q4FY24

1,738

1,584

1,805

855

245

201

375

410

1,422

2,300

2,899

3,485

893

226

178

336

477

2,076

1,715

2,757

2,619

929

277

260

372

541

2,752

2,226

3,025

5,507

6,082

3,352

824

662

1,198

1,516

6,224

6,405

6,283

3,529

884

800

1,268

1,774

8,963

6,493

10,037

10,525

13.96

4.03

22.56

46.16

10.44

13.27

32.55

29.81

9.69

10,222

13,197

110.30

13,929

12,862

17,693

46,524

53,717

37.57

3.84

8.66

13.06

29.45

-0.86

31.81

93.59

-3.20

4.34

58.03

27.03

FY25 over FY24

3.31

5.28

7.22

20.90

5.84

17.01

44.00

1.37

4.86

29.10

15.46

FY25 Analyst Presentation 35

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Provisions & profit

Particulars (₹ in Crores)

Quarter Ended

Year Ended

Growth (%)

Q4FY24

Q3FY25

Q4FY25

FY24

FY25

93,797

1,10,579

Operating Profit

Loan Loss

Standard Assets

Investment Depreciation

Other Provisions

Income Tax

Total Provisions

Exceptional items*

Net Profit

28,748

23,551

3,294

-370

-8

-1,306

6,439

8,049

2,305

-499

-896

5,748

6,659

31,286

3,964

400

441

1,636

6,202

12,643

20,698

16,891

18,643

Ratios (Annualized)

Q4FY24

Q3FY25

Q4FY25

ROA (%)

ROE (%)

1.36

1.04

1.12

Earning Per Share (₹)

93.28

75.09

84.72

9,518

-1,341

-593

-2,669

20,706

25,621

7,100

61,077

FY24

1.04

20.32

68.44

Q4FY25 over Q3FY25

32.84

71.98

Q4FY25 over Q4FY24

8.83

20.35

FY25 over FY24

17.89

51.49

7.89

89.86

-3.69

57.08

17.70

54.87

14,418

303

514

24,371

39,679

70,901

10.37

-9.93

16.08

FY25

1.10

19.87

79.44

* Provisions on account of one-time increase in pension liabilities at uniform rate of 50% and Dearness Relief (DR) Neutralization

FY25 Analyst Presentation 36

Capital Adequacy

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Well-capitalized bank with adequate liquidity

Capital Ratios (%)

RWA to Total Assets (%)

14.28

2.35

1.57

10.36

12.1

8.6

13.03

2.18

1.33

9.52

14.25

2.14

1.30

10.81

53.86

54.66

52.14

Mar 24

Dec 24

Mar 25

Mar 24

Dec 24

Mar 25

CET-1

AT-1

Tier-2

Min regulatory CET-1 ratio

Min regulatory Total Capital ratio

Mar 24

Dec 24

Mar 25

Credit Risk Weighted Assets on Advances to Gross Advances (%)

59.14

58.20

58.07

FY25 Analyst Presentation

Asset Quality

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Asset quality (1/4)

Gross NPA (₹ in Crores)

84,276

84,226

83,369

84,360

76,880

Cumulative for the Period (%)

Mar 24

Jun 24

Sep 24

Dec 24

Mar 25

Gross NPA Ratio

Net NPA Ratio

Mar 24

Jun 24

Sep 24

Dec 24

Mar 25

PCR (Incl. AUCA)

Net NPA (₹ in Crores)

21,051

21,555

20,294

21,378

19,667

PCR

Corporate PCR (Excl. AUCA)

Slippage Ratio

Credit cost

2.24

0.57

91.89

75.02

90.23

0.62

0.29

2.21

0.57

91.76

74.41

95.59

0.84

0.48

2.13

0.53

92.21

75.66

98.34

0.68

0.43

2.07

0.53

91.74

74.66

97.24

0.59

0.37

1.82

0.47

92.08

74.42

97.75

0.55

0.38

Mar 24

Jun 24

Sep 24

Dec 24

Mar 25

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Asset quality (2/4)

Movement of NPAs:

Opening Level of Gross NPAs

Total Reductions

of which : Recovery + Upgradation

Gross Addition

of which : Increase in O/s

: Fresh Slippages

Net Increase

Closing Level of Gross NPAs

Segmental NPAs:

Retail:

Agri.

Per Segment

SME

Corporate

International

Total

Q4FY24

86,749

6,456

2,052

3,984

116

3,867

-2,472

84,276

FY24

90,928

27,633

11,472

20,982

665

20,317

-6,651

84,276

Q1FY25

Q2FY25

Q3FY25

Q4FY25

84,276

84,226

83,369

8,758

3,666

8,707

804

7,903

-50

5,808

2,600

4,951

4,871

-857

3,155

1,206

4,146

324

3,823

991

84,226

83,369

84,360

11,799

1,739

4,319

4,222

-7,480

76,880

Mar 24

Dec 24

Mar 25

NPA

Ratio %

54,930

29,213

9,496

16,221

27,848

1,498

84,276

2.63

9.58

0.70

3.75

2.45

0.28

2.24

NPA

59,069

30,488

11,376

17,205

23,869

1,422

84,360

Ratio %

2.59

9.06

0.79

3.47

2.03

0.23

2.07

NPA

57,057

29,389

11,132

16,536

18,450

1,373

76,880

₹ in Crores

FY25

84,276

29,520

9,211

22,124

1,306

20,818

-7,396

76,880

Ratio %

2.42

8.43

0.74

3.27

1.49

0.22

1.82

FY25 Analyst Presentation 41

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Banking with a Purpose Purpose

Subsidiaries, Subsidiaries, Group Group Financials Financials & Balance Sheet & Balance Sheet

Movement of NPAs and AUCA (3/4)

Movement of NPAs (incl. Advances under Collection):

Mar 22

Mar 23

Mar 24

Mar 25

₹ in Crores

Opening Level of GNPA + AUCA

3,00,496

2,85,358

2,65,497

2,59,478

Gross Addition (Increase in O/s + Slippages)

26,776

19,223

20,982

22,124

Total GNPA + AUCA + Additions

3,27,272

3,04,581

2,86,479

2,81,602

Less: Recovery / Upgradation

29,218

23,355

18,406

17,213

Less: Write-off (Removal from AUCA)

12,696

15,729

8,595

16,076

Closing Level of Gross NPAs + AUCA

2,85,358

2,65,497

2,59,478

2,48,314

FY25 Analyst Presentation 42

Executive Summary

Overview

Performance Highlights

Financial Performance

Asset quality (4/4)

Slippages

₹ in Crores

20,317

20,818

7,903

3,867

4,871

3,823

4,222

Capital Adequacy

Capital Adequacy & Asset Quality

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

SMA 1 & SMA 2

₹ in Crores

Accounts with exposure above ₹ 5 crore: CRILC data

SMA1

SMA2

13,732

1,840

9,552

11,891

7,424

3,333

1,046

2,287

2,128

4,637

1,974

2,662

3,301

2,062

1,239

FY24

FY25

Q4FY24 Q1FY25 Q2FY25 Q3FY25 Q4FY25

Mar 24

Jun 24

Sep 24

Dec 24

Mar 25

FY25 Analyst Presentation 43

Digital Journey

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Accelerating digital agenda (1/6)

Market share across channels

(as per latest available data)

With varied payment modes

Debit card spends

Mobile Banking

No. of Transactions

ATMs

Mobile Banking

Transaction value

Digital Leadership across channels

Increasing digital adoption(%)

1%2% 5%

Mar 24

Mar 25

89%

92%

Digital* ATM & CDM BC Channel Branch

Share of Alternate Channels

* Digital comprises of Internet, Mobile, UPI & YONO and Green Channel

UPI

Debit cards

ATM

Remit transactions (Numbers during FY25)

Unique SBI UPI users based on account nos.

Market share in remittances

(Cumulative till Mar 25)

Debit Cards

(As on 31st Mar 25)

Debit Card spend transactions

(Numbers during FY25)

Debit Card spend (Amount during FY25)

ATM transactions per day

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Accelerating digital agenda (2/6) Digital Presence across channels

Customer touch points

Mobile banking (Retail)

INB Customer (Retail)

No. of BC Outlets

Number of ATMs

YONO (Registered Users)

YONO Lite (Registered Users)

Unique SBI UPI users

7.4 Cr

8.8 Cr

2.5 Cr

2.7 Cr

16.3 Cr

20.3 Cr

Mar 24

Mar 25

12.5 Cr

13.9 Cr

82.9 K

77.3 K

64 K

Mar 24

Mar 25

Mar 24

Mar 25

Mar 24

Mar 25

Payment acceptance touch points

BHIM SBI Pay QR Codes

SBI POS

BHIM-Aadhar-SBI

Bharat QR

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Accelerating digital agenda (3/6)

YONO: Driving digital agenda of the Bank

YONO Registration

DIGITAL LOANS DISBURSED

Whatsapp Banking Registration

(FY25)

PPF ACCOUNTS OPENED

(Numbers)

Digital Banking Create seamless omni- channel customer experience

(Numbers)

Cross Selling Provide one-stop shop for all financial needs

(Numbers/Amount*)

SB accounts opened

YONO Cash

YONO Quick Pay

OD against FD

Personal Accident Insurance

New Business LI policies sold

Approved Credit Cards

Mutual Funds Sales*

e2e Digital Loans (Disbursement Amt.)

Quick Personal Loans on the go!

(Amount)

PAPL

Real Time Xpress Credit

Insta Home Top Up Loan

Loan against Mutual Funds

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Accelerating digital agenda (4/6) YONO has shown growth across products and registrations

Approved Credit Cards

Regular SB A/C opened

PL - RTXC Disbursed

NPS A/C Opened

Personal Accident Insurance

(# Lakhs)

(₹ Crores)

(# Actuals)

(# Lakhs)

4.78

22.0

86.3%

49,607

9.2%

24.1

904.9

18.8%

58,935

22.55

485.49

94.4%

11.60

150.2%

1.91

Q4FY24

Q4FY25

Q4FY24

Q4FY25

Q4FY24

Q4FY25

Q4FY24

Q4FY25

Q4FY24

Q4FY25

Daily Average Approved Cards in Q4FY25

Daily Average SB A/C Opened in Q4FY25

Daily Average Number of RTXC Disbursed in Q4FY25

Daily Average NPS A/C Opened in Q4FY25

Daily Average Number of PAI Sold in Q4FY25

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Accelerating digital agenda (5/6)

Leadership across - UPI ecosystem

Domestic

(Q4FY25)

Remitter

Beneficiary

Market Share

Avg Txn / Day (Numbers)

Merchant Onboarding (Q4FY25 / Cumulative upto Mar'25)

(Numbers)

Remitter Bank

Beneficiary Bank

International

UPI Registrations

P2P Foreign Inward and Outward Transactions • Singapore • Nepal (Launch date is awaited from RBI/NPCI)

P2M (Merchant) Foreign Outward Transactions • Total currencies enabled: 10 (Euro, USD, GBP, MUR, SGD, NPR, LKR, AED, QAR, RMB)

• Total countries covered: 29 (Nepal, Singapore, UAE, UK, USA, Sri Lanka, Mauritius,

Bhutan, Qatar, Euro (20))

Total Users: 1.34 crore users (Inception date: 01.07.2023)

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Accelerating digital agenda (6/6) YONO for Business: Growth metrics

FY25

Current Account

New Digital CA

1,91,826

New to Digital Customers

Customers Onboarded

5,73,079

Digital 36% (Out of total CA opened)

Desktop Users : 32.84 lakhs# App Users: 16.15 lakhs#

# - Users registered on Desktop and App as on 31.03.2025

YONO Business Payments

No. of Txns

76.84 crores

Value of Txns (₹)

254.45 trillion

YB App Payments

No. of Txns

4.80 crores

Value of Txns (₹)

13.28 trillion

API Banking

No. of Txns

43,249

Value of Txns (₹)

2,932 crores

Pre-Approved Business Loans

Leads Converted

1,08,663

Sanctioned Amount (₹)

6,648 crores

All Customer Journeys on YB eTrade are Digital

(Digital % of Total LCs / BGs issued)

Import letter of credit (IMLC)

Inland letter of credit (INLC)

79%

91%

Inland Bank Guarantee (INBG)

Export Letter of Credit (EXLC)

70%

72%

FY25 Analyst Presentation 50

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Analytics, AI & ML

Advances Through Analytical Leads (₹ in Crores)

Digital Loans conversion (₹ in Crores) 16,939*

CVE Commission (₹ in Crores) 312

1,04,139

1,37,357

1,24,268

65,912

FY22

FY23

FY24

FY25

PAPL 6,605

RTXC 2,855

PABL 6,651

SBI Card 171.00

Mutual Fund 111.21

Insta Home Top up 809

SBI Life 28.88

SBI Gen 1.13

Business Unit Wise Business

*Includes other products with total exposure of ₹19 crores

Retail Loans ₹ 77,265 Cr

CVE Commission (fee) ₹ 312 Cr

SMEBU ₹ 24,444 Cr

REHBU ₹ 9,255 Cr

ABU ₹ 13,303 Cr

Bank’s Generative AI Chatbot, which assists staff in processing deceased claims settlement was launched on 01.01.2025

Bank's holistic internal documentation GenAI Chatbot launched on 01.02.2025, covers processes, policies, formats, SOPs, etc.

Both portals are built with integrated Responsible AI in the form of Guardrails

GenAI Chatbots are deployed at scale, with access extended to staff across the Bank.

FY25 Analyst Presentation

Note: All Figures are for FY25 – Apr 24 to Mar 25

Banking with a Purpose

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Financial Inclusion

No. of BC outlets

Transactions in BC Channel

Deposits in FI Accounts

82,932

77,251

61.84

66.22

4,27,112

3,95,077

4,50,000

3,90,000

3,30,000

2,70,000

2,10,000

1,50,000

Transaction Amount (₹ in Cr)

No. of Transactions (in Cr)

10.00

1,00,000

80,000

60,000

40,000

20,000

4,311

77,885

3,998

70,174

4,700

4,200

3,700

3,200

2,700

2,200

1,700

1,200

Deposits (₹ in Cr)

Average Balance (₹)

Market Leader Social Security Schemes (PSBs) (Share in %) (As on 31.03.2025)

47.32

40.06

32.49

APY

PMSBY

PMJJBY

Mar 24

Mar 25

FY24

FY25

Mar 24

Mar 25

Way forward

❖ To leverage the channel for lead generation of

Cumulative no. in crores

Performance under Social Security Schemes

Asset Products

❖ To make BC/CSP Channel a robust delivery

platform

❖ Functionality of mobile hand-held device has been rolled with 11 services viz. Cash Deposit & Withdrawal, Fund transfer, Balance enquiry, Mini statement, PMJJBY, PMSBY, APY, Card based transactions and account opening. More services are under development.

APY

PMJJBY

PMSBY

Passbook Printers installed at CSPs

% Share of Passbooks printed at CSPs

Improvement in Ease of Banking

Mar 24

1.47

5.69

12.62

Mar 24

26,701

16.04

Mar 25

1.73

7.13

14.65

Mar 25

33,513

22.61

FY25 Analyst Presentation 53

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Sustainability Highlights

Financial Capital

Natural Capital

Social Capital

Human Capital

₹ 70,901 crores Net Profit in FY25

₹ 42.21 lakh crores Advances

₹ 63,548 crores (Fund based) ₹ 13,189 crores (Non-Fund based) Renewable Energy (RE) financed portfolio

₹ 610.77 crores CSR Spend during FY25

2,36,226 Total workforce*

>38 GW Capacity of RE financed Portfolio

77,251 CSP outlets*

27.6% Women in workforce*

₹ 53.82 lakh crores Deposits

>46 MWp Captive RE Capacity*

1,56,884 Candidates trained through RSETIs during FY25

5,831 Persons with Disabilities / Divyang*

98.2% Share of transactions through Alternate Channels

61 Green Building Certifications*

1,621 Institutions’ infrastructure upgraded (includes Primary Schools, Anganwadis, PHCs, etc.)

100% Employees covered under medical benefits

* indicates values that are cumulative in nature i.e. up to 31.03.2025

FY25 Analyst Presentation 54

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Environment

SBI’s MSCI ESG rating improved from

Formation of ESG & Climate Finance Unit

BBB

FY23

FY24

SBI’s DJSI ESG rating improved from

FY23

FY24

Impetus for Renewable Energy (RE) : Supporting growth of Fund and Non-Fund based RE projects with an associated capacity of 38,097 MW

• Consolidation

ESG and of Climate finance functions under a dedicated unit headed by CGM to enable focused attention to support emerging climate finance activities during the transition phase.

• DMD, Chief Credit Officer is the designated Chief Sustainability Officer of the Bank

Vision

• To

achieve Net Zero (Scope 1, 2 and 3) by 2055

Mission

To achieve by 2030:

Net Zero in Scope 1 & 2 emissions

II. At least 7.5% of domestic gross advances to be Green advances

III. 25% of

these

green advances to be funded by Green Lines of Credit

Green Deposits

₹ 128.31 crore raised under Green Rupee Term deposit scheme with outstanding of ₹ 84.78 crore as on 31.03.2025.

Shift to Renewal energy sources

4,534 Solar Rooftops have been installed in Branches / Offices / ATMs / Premises with capacity of 31.13 MW as on 31.03.2025. The Bank also owns 10 Windmills with an installed capacity of 15 MW.

Tree Plantation

More than 16.21 lacs trees have been planted in open spaces and branch/office premises under CSR activities during FY 2024-25.

Green Building Certification by IGBC

61 of Bank’s official residential buildings certified as Green Building as on 31.03.2025

As of 31st March 2025

Limits sanctioned for renewable energy projects: Fund based - ₹ 63,548 crore Non-Fund based - ₹ 13,189 crore

Solar Power (Rooftop & ground mounted): Fund based - ₹ 37,143 crore Non-Fund based - ₹ 8,162 crore

Small hydro / Hydro Power: Fund based - ₹ 8,636 crore Non-Fund based - ₹ 860 crore

Wind Power, Biomass and others: Fund based - ₹ 17,768 crore Non-Fund based - ₹ 4,167 crore

Limits sanctioned for Sustainable Finance activities : Fund based - ₹ 17,508 crore Non-Fund based - ₹ 3,050 crore

Sustainable Transportation (includes E-Car loan of ₹ 2,685 crore): Fund based - ₹ 9,808 crore Non-Fund based - ₹ 1,756 crore

Green buildings: Fund based - ₹ 2,529 crore Non-Fund based - ₹ 50 crore

Energy Efficiency process, Waste & Pollution control and others: Fund based - ₹ 5,171 crore Non-Fund based - ₹ 1,244 crore

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Contributing to Society (1/2) Status of CSR activities as on 31.03.2025

CSR Expenditure % as on 31.03.2025

War Veterans 6%

Rural and Slum Area Development 11%

Protection of National Heritage 1%

Other CSR (Sports, Animal Welfare Etc.) 5%

CSR Spends of ₹ 610.77 crores in FY25

Healthcare and Sanitation 35%

Disaster Management 2%

Education(incl Anganwadi & Orphanages/Spl Schools) 27%

Empowerment of Women and Sr Citizen 2%

Environment 11%

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Contributing to Society (2/2) SBI Foundation: Highlights of long-term projects

SBIF CONSERW : Environment & Sustainability

SBIF Sashakti

SBI Foundation

In FY 2024-25, SBI Foundation has funded 180 projects of value ₹485.83 Crores during the year under the CSR programme, disbursing an amount of ₹263.99 Crores, impacting the community and lives of people across the country.

SBI Gram Seva : Rural Development

In FY 2024-25, Gram Seva vertical sanctioned amount ₹63.26 Cr and sanctioned 29 projects.

•

• On January 21, 2025, Gram Saksham project launched in Puri,

Odisha. focusing on water conservation.

Centre of Excellence (CoE) for Persons with Disabilities (PwD)

In FY 2024-25, CoE for PwDs vertical sanctioned amount ₹31.98 Cr and sanctioned 14 projects.

20th February 2025: Early Intervention Centre launched in Bengaluru in partnership with Manonandana Trust , serving 1,000 children with disabilities.

SBIF Jivanam: Healthcare

In FY 2024-25, Health vertical sanctioned amount ₹140.99 Cr and sanctioned 71 projects.

•

In FY 2024-25, Environment vertical sanctioned amount ₹65.10 Cr and sanctioned 18 projects.

14th February 2025: Mangrove restoration project with Wildlife Trust of India launched in Kerala, planting 2 lakh saplings across 30 acres.

21st March 2025: Watershed restoration project began in Shivgarh, Madhya Pradesh, planting 1 lakh native saplings and implementing water conservation.

27th March 2025: Textile Waste Management project launched with TISSER and NMMC to process 10-12 tonnes of waste monthly, involving 11,000 households

SBIF ILM : Education

In FY 2024-25, Education vertical sanctioned amount ₹62.65 Cr and sanctioned 11 projects.

• Disbursed ₹3.59 Crores for 50 IIM scholars, ₹36.97 Lakhs for 38 IIT scholars, and

₹25.21 Lakhs for 58 undergraduates.

SBIF LEAP : Livelihoods

•

In FY 2024-25, Livelihood vertical sanctioned amount ₹67.81 Cr and sanctioned 17 projects.

• Under SBIF LEAP: Accelerating Entrepreneurship through Social Innovation, a and Social

2-day Entrepreneurship was held in Mumbai, with 13 grassroots NGO participants..

capacity-building workshop

on Social

Innovation

1st March 2025: TB Screening Camp held in Gujarat, part of TB Mukt Gujarat Initiative for early detection and treatment.

SBI Youth for India Fellowship Program

SBIF ACE : Sports

• March 23, 2025: Boccia Development Grant Program awareness event held in Telangana and Andhra Pradesh, with 150+ beneficiaries.

•

The application process for the 13th Batch (2025-26) was launched in February 2025 with 51,427 candidates completing their applications (till March 2025).

•

In FY 2024-25, Women Empowerment vertical sanctioned amount ₹39.82 Cr and sanctioned 17 projects.

8th March 2025 | International Women’s Day

On the occasion of International Women’s Day, Hon’ble Minister of and Corporate Affairs, Smt. Nirmala Sitharaman Finance inaugurated several key projects of SBI Foundation virutally:

• Reimagining Science Education in Karnataka,

in partnership

with Prayoga, focusing on empowering science teachers.

• SBIF Jivanam: TB Mukt Initiative, launched in collaboration with

Bhavishya Bharat in Nagar Kurnool, Telangana.

• SBIF Jivanam: Upgrading Rural Hospital, Pali, in partnership

with Transforming Rural India Foundation (TRIF).

• SBIF CONSERW – Heater of Hope, supporting Wildlife Conservation Trust through the distribution of Biomass Fuel Water Heaters to tribal women in the buffer zones of Tadoba- Andhari Tiger Reserve-advancing conservation.

• SBI Gram Saksham, launched to support over 300 tribal women in Nashik district, Maharashtra through animal husbandry interventions in association with Swadesh Foundation.

Awards:

• SBI Foundation was felicitated with the “Navabharat CSR Award” by Hon'ble Shri. C. P. Radhakrishnan, Governor of Maharashtra at the 4th Edition of the “NavaBharat CSR Summit & Awards.

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

SBI’s Policy Framework Governance Board level committees & Policies for better control and governance

Executive Committee of the Central Board

Risk Management Committee of the Board

Audit Committee of the Board

Corporate Social Responsibility Committee

Nomination and Remuneration Committee

IT Strategy Committee

Board Committee to Monitor Recovery

Review Committee for Identification of Wilful Defaulters / Non Co-operative Borrowers

Stakeholders Relationship Committee cum Customer Service Committee

Special Committee of the Board for Monitoring Large Value Frauds

Sustainability and Business Responsibility Policy

Climate Change Risk Management Policy

Renewable Energy Policy

Policy on Issuance and Allocation of Green Deposits

ESG Financing Framework

Code of Ethics

Whistle-blower Policy

Fair Lending Practices Code

Commitment to Customers (BCSBI Code)

Business Continuity and Operational resilience Policy

Cyber Security Policy and Standards

Policy on KYC Standards, AML and CFT Measures

Anti Bribery and Anti-Corruption Policy

Sustainability Linked Loans Policy Framework

Garima Policy

FY25 Analyst Presentation

Subsidiaries, Group Financials & Balance Sheet

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

SBI and its subsidiaries – leveraging synergies (1/2)

As on Mar 2025 ₹ in Crores

PAT (₹ in Crores)

ROE (in %)

FY24

1,894

13.6

Individual Rated Premium

Gross Written Premium

Value of New Business

19,354

17,234

90,000

80,000

70,000

60,000

50,000

40,000

30,000

20,000

10,000

% 2 1

22,200

20,200

18,200

16,200

14,200

12,200

10,200

8,200

6,200

4,200

2,200

81,431

84,985

5,548

5,954

7,000

6,000

5,000

4,000

3,000

2,000

1,000

% 4

FY25

2,413

15.1

% 7

250

200

150

100

PAT (₹ in Crores) *

ROE (in %)

*As per Ind AS, without OCI

FY24 2,408

21.7

FY25 1,916

14.6

CIF (In Lakh)

Spends

Receivables

189

208

4,00,000

3,50,000

3,00,000

2,50,000

2,00,000

1,50,000

1,00,000

50,000

% 0 1

3,29,589

3,33,480

55,840

50,846

% 0 1

58,000

53,000

48,000

43,000

38,000

33,000

28,000

% 1

FY24

FY25

FY24

FY25

FY24

FY25

FY24

FY25

FY24

FY25

FY24

FY25

Market Share

Business Performance • Renewal Premium stands at ₹49,408 Crores;

• Private market leadership in Individual New

growth of 14.4%

Business Premium, Individual Rated New

Business Premium and Total New Business

• PAT grew by 27.4% YoY and stands at ₹2,413

• VONB stands at ₹5,954 crores with a growth of

Premium with market share of 25.3%, 22.8% and

7.3%

20.8% respectively

• VONB margin stands at 27.8%. • Assets under Management ₹4,48,039 Crores;

growth of 15% YoY.

• Embedded value stands at ₹70,250 Crores, with a growth of 20.6%; Operating return on Embedded value is 20.2%

Market Share

Portfolio (FY25)

• #2 player in Cards and #3 in

• ▲ 10% YoY in cards,

Spends

• ▲ 1% YoY in spends

19.0% (FY24 18.6%),

• Spends 15.7% (FY24

17.8%)

Crores; Robust solvency ratio of 1.96

• Cards-in-force in FY25

• ▲ 10% YoY in receivables

Profitability • During FY25 Revenue from

Operations grew 7% YoY, PAT at ₹1,916 Crores

• During FY25, ROA is at 3.1%,

ROE is at 14.6%

• Capital Adequacy Ratio (CAR) is at 22.9%, Tier I is at 17.5%.

FY25 Analyst Presentation

60 60

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

SBI and its subsidiaries – leveraging synergies (2/2)

As on Mar 2025 ₹ in Crores

PAT (₹ in Crores)*

ROE (in %)

*As per Ind AS, without OCI

Performance Highlights

FY24

2,063

30.5

FY25

2,531

30.6

PAT (₹ in Crores)

ROE (in %)

Gross Written Premium

12,731

14,140

FY25

509

11.5

FY24

240

6.7

AUM

21,562

17,940

• SBIFML has been the largest player in the market since Q4’FY20. As on Mar 2025, SBIMF has a

quarterly Average AUM of ₹ 10.73 Lakh crores with a market share of 15.91%. The second largest

player has a market share of 13.04%.

• SBIMF Quarterly average Mutual Fund AUM grew by ₹ 1.59 lakh crores from ₹ 9.14 lakh crores in

Q4FY24 to ₹ 10.73 lakh crores in Q4FY25.

% 1 1

% 0 2

FY24

FY25

FY24

FY25

Group PAT (₹ in Crores)

ROE (in %) (Annualised)

FY24

1,631

17.1

FY25

1,205

24.3

Performance Highlights

ROE is calculated without considering Fair value gain routed through OCI & exceptional gain. . .

Performance Highlights

• PA&SF Group: Ranked No.1 Local Currency Loans (Mandated Lead Arranger). Market share of

58.98% (Apr-24 to Mar-25).

• DCM: Ranked No.2 for Debt Private placement of bonds in FY25 as per the Bloomberg league

table.

• ECM: Ranked No.5 in the ECM league table for the amount of issues done in FY25.

• Ranked 6th amongst the Private players in FY25

• SBIG Market share is 4.52% in FY25 as against 4.33% in FY24

• No. 1 player in Personal Accident segment amongst Private players.

• 3rd in Private Crop segment

• No. 1 player in Common Service Centre Business in rural market

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Regional Rural Banks Sponsored by SBI

Performance Highlights – FY25

14 RRBs operating in 13 States & 1 UT

Network of 4,774 branches in 234 districts

• Deposits at ₹ 1,47,576 crores ▲ 8.57% YoY

• Gross NPA ▼ 24 bps YoY at 3.29%

• CASA ▼ 58 bps YoY at 53.81%

• Net Profit of ₹ 2,300 crores ▼ 21% YoY

• Gross Advances at ₹ 1,13,734 crores ▲ 14.68% YoY

• ROA ▼ 48 bps YoY at 1.19%

• CD Ratio ▲ 411 bps YoY at 77.07%

• PCR ▼ 759 bps YoY at 79.45%

• NIM ▼ 27 bps YoY at 3.88%

• ROE ▼ 673 bps YoY at 13.33%

FY25 Analyst Presentation

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

SBI group financials – FY25

Particulars (₹ in Crores)

Year Ended

Growth (%)

Particulars

Year Ended

ROA (%)

ROE (%)

Earning Per Share (₹)

Expenses Ratio (%)

NIM (%)

Gross NPA Ratio (%)

Net NPA Ratio (%)

FY24

FY25

1.06

20.24

75.17

58.70

3.32

2.23

0.56

1.10

19.65

86.91

51.33

3.16

1.82

0.47

FY24

FY25

Interest Earned

4,39,189

4,90,938

Non-Interest Income

1,55,386

1,72,406

Total Income

5,94,575

6,63,343

Interest Expended

2,59,736

3,00,943

Operating Expenses (i+ii)

2,28,794

2,36,574

(i) Employee Cost

76,571

70,396

(ii) Other Operating Expenses

1,52,223

1,66,178

Total Expenditure

4,88,530

5,37,517

Operating Profit

1,06,045

1,25,826

YoY

11.78

10.95

11.57

15.87

3.40

-8.07

9.17

10.03

18.65

Provisions (other than Tax)

Less: Exceptional Item*

Add: Share in profit of associates

Less: Minority Interest

Tax Expenses

Net Profit

7,705

7,100

1,405

2,459

23,102

67,085

19,461

152.58

1,505

2,961

27,348

77,561

7.14

20.44

18.38

15.62

* Provisions on account of one-time increase in pension liabilities at uniform rate of 50% and Dearness Relief (DR) Neutralization

FY25 Analyst Presentation 63

Executive Summary

Overview

Performance Highlights

Financial Performance

Capital Adequacy

Asset Quality

Digital Journey

Banking with a Purpose

Subsidiaries, Group Financials & Balance Sheet

Balance sheet Liabilities

Capital

Reserves and Surplus

Minority Interest

Deposits

Borrowings

Other Liabilities & Provisions

Total Liabilities

Assets

Cash & balances with RBI

Bal with Banks & Money at Call and Short Notice

Investments

Net Advances

Fixed Assets

Other Assets

Total Assets

SBI SOLO

SBI GROUP

Mar 25

YOY Growth (%)

Mar 24

Mar 25 YOY Growth (%)

₹ in Crores

0.00

16.98

9.48

-5.69

0.11

8.03

892

4,14,047

15,618

892

4,86,144

18,026

49,66,537

54,39,898

6,39,610

6,97,075

6,10,857

7,58,367

67,33,779

73,14,185

0.00

17.41

15.42

9.53

-4.50

8.79

8.62

SBI SOLO

SBI GROUP

Mar 25

YOY Growth (%)

Mar 25 YOY Growth (%)

Mar 24

2,25,356

1,01,216

21,10,548

37,84,273

44,708

4,67,677

2,27,485

1,30,448

22,05,601

42,50,831

46,338

4,53,483

0.92

31.93

1.15

12.40

3.50

-2.91

8.03

0.94

28.88

4.50

12.33

3.64

-3.04

8.62

FY25 Analyst Presentation 64

61,79,694

66,76,053

67,33,779

73,14,185

Mar 24

892

3,76,354

892

4,40,270

49,16,077

53,82,190

5,97,561

2,88,810

5,63,573

2,89,129

61,79,694

66,76,053

Mar 24

2,25,142

85,660

16,71,340

37,03,971

42,617

4,50,964

2,27,217

1,13,012

16,90,573

41,63,312

44,108

4,37,831

Thank You

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