State Bank of India

rs,

The Listing Department, BSE Limited, Phiroje Jeejeebhoy Towers, 25th Floor, Dalal Street, Mumbai – 400001 The Listing Department, National Stock Exchange of Ind

₹ 1 lakh crore

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 expen

17.89%

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 – s

22%

ome 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 acco

₹ 53 lakh crore

stic 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 bu

27.02%

h, 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 cr

12.03%

stomers 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 base

₹ 42 lakh crore

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

₹ 5 lakh crore

ess 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

69.71%

, 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%,

0.38%

omestic 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 sl

1.82%

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 provid

“of Transactions ATMs Mobile Banking Transaction value Digital Leadership across channels Increasing digital adoption(%) 2% 2% 7% 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.”

“FY25 Analyst Presentation 51 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 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.”

“• • • On January 21, 2025, Gram Saksham project launched in Puri, Odisha.”

“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.”

“% 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.”

“• 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.”

Highlights

1

CASA

1

Movement of NPAs

1

Retail

1

Finance activities

1

Green buildings

1

Pollution control and others

1

Awards

1

Highlights

Local Lending India Linked Loans Trade Finance 6 6 5 7 7 3 3 26 HongKong GIFT City (India) USA UK 18 9 10 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 Overview Performance Highlights Performance Highlights Financial Performance Financial Performance Capital Adequacy Capital Adequacy & Asset Quality Asset Quality Digital Journey Digital Journey Banking with a Banking with a Purpose Purpose Subsidiari

CASA

FY25 Analyst Presentation 20 Executive Summary Overview Overview Performance Highlights Performance Highlights Financial Performance Financial Performance Capital Adequacy Capital Adequacy & Asset Quality Asset Quality Digital Journey 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

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

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 80 4,871 -857 3,155 1,206 4,146 324 3,823 991 84,226 83,369 84,360 84,360 11,799 1,739 4,319 98 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 Overview Performance Highlights Performance Highlights Financial Performance Financial Performance Capital Adequacy Capital Adequacy & Asset Quality Asset Quality Digital Journey Digital

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

Pollution control and others

Fund based - ₹ 5,171 crore Non-Fund based - ₹ 1,244 crore FY25 Analyst Presentation 55 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 56 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-ter