State Bank Of India has informed the Exchange about Investor Presentation
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/2025-26/297
08.08.2025
Madam / Sir,
Presentation for Analysts / Investors interaction on Financial Results for the quarter ended 30.06.2025
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 ended 30.06.2025.
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)
Quarterly Results Q1FY26
A N A L Y S T P R E S E N T A T I O N 0 8 . 0 8 . 2 0 2 5
Safe Harbor
in
these slides are
Certain statements 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
2
3
Executive Summary
4
Capital Adequacy
7
04-05
Performance Highlights
06-21
Financial Performance
29-31
5
Asset Quality
8
6
Digital Journey
32-36
22-28
37-44
Banking with a Purpose
45-51
Subsidiaries, Group Financials & Balance Sheet
52-57
Executive Summary
Executive Summary
Performance Highlights
Financial Performance
Capital Adequacy
Asset Quality
Digital Journey
Banking with a Purpose
Subsidiaries, Group Financials & Balance Sheet
Key trends in Q1FY26
Net Profit
Driven by efficiency in Operating income and contained Operating expenses
Net Profit at ₹ 19,160 crores with a YoY growth of 12.48%
Liability franchise
Deposits cross ₹ 54 lakh crore; Current account balances up 30.69% YoY
Sustained domestic market share of over 22%, driven by reach, trust and adding value to customers
Credit growth
Up 11.61% YoY; growth across business lines
Whole Bank Advances at ₹ 42.5 lakh crore; domestic credit to deposit ratio at 68.88%
Industry leading asset quality outcomes
Contained credit cost at 0.47% for the quarter, GNPA Ratio at 1.83%, NNPA Ratio at 0.47%
Slippage ratio at 0.75%; YoY improvement in slippage ratio
Well provided for Stressed Book
Digital Banking
PCR at 74.49%
Net NPA at ₹ 19,908 crores; additional provisions of ₹ 30,345 crores not included in PCR
98.6% transactions through alternate channels
9.04 crore registered users on YONO, 66% of savings account opened through YONO in Q1FY26
Analyst Presentation Q1FY26
5
Performance Highlights
Executive Summary
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
Asset quality
Well provided Stressed Book
Digital Leadership
Net Profit in Q1FY26 stands at
Whole Bank advances cross
Sustained outcomes
PCR at 74.49%
98.6%
transactions
through
₹19,160 crores with a YoY
₹42.5 trillion
alternate channels
growth of 12.48%
11.61%
YoY Growth
in
Gross NPA at 1.83%
PCR (incl. AUCA) at 91.71%
Operating Profit crosses ₹30K
Advances
Net NPA at 0.47%
crore at ₹30,544 crores
Robust retail advances growth
Credit Cost
for Q1FY26 at
Total non-NPA provisions (not
ROA at 1.14% for Q1FY26
ROE at 19.70% for Q1FY26
YoY, led by SME 19.10%, Agri
12.67% and Retail Per 12.56%
0.47%
Whole Bank deposits cross
Whole Bank NIM at 2.90% for
₹54 trillion
Q1FY26
Domestic NIM at 3.02%
for
Q1FY26
11.66% YoY Growth in Deposits
30.69% YoY Growth in Current
Account
Digital leadership in Debit card
spends, ATMs, value & no. of
Mobile Banking transactions
included in PCR) at ₹30,345
crores which are ~152% of Net
NPAs at the end of Q1FY26
YONO driving digital agenda of
the Bank with 9.04 crore
registered customers
Analyst Presentation Q1FY26
7
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Key indicators
Quarter Ended
Q1FY25
Q1FY26
YoY Growth
CASA
RAM Advances
Net Interest Income
41,125
41,072
-0.13%
Net Interest Margin – Whole Bank (%)
Net Interest Margin – Domestic (%)
3.22
3.35
Profit & Loss (₹ in Crores)
2.90
-32 bps
19,14,440
3.02
-33 bps
Operating Profit
26,449
30,544
15.49%
20,68,527
21,20,551
24,16,241
% 5 0 . 8
% 4 9 . 3 1
s p b 4
Net Profit
Credit Cost
Gross NPA
Net NPA
17,035
19,160
12.48%
0.48
2.21
0.57
0.47
-1 bp
1.83
-38 bps
0.47
-10 bps
PCR (Incl. AUCA)
91.76
91.71
-5 bps
PCR
74.41
74.49
8 bps
Capital Adequacy
13.86
14.63
77 bps
Gross Advances
38,12,087
42,54,516
11.61%
Jun 24
Jun 25
Jun 24
Jun 25
Q1FY25 Q1FY26
Term Deposits
Corporate Advances
Return on Equity (%)
31,86,346
27,89,510
11,38,579
12,03,430
20.98
19.70
% 3 2 . 4 1
% 0 7 . 5
s p b 8 2 1 -
Total Deposits
49,01,726
54,73,254
11.66%
Jun 24
Jun 25
Jun 24
Jun 25
Q1FY25 Q1FY26
Analyst Presentation Q1FY26
8
Key Ratios (in %)
Balance Sheet (₹ in Crores)
₹ in Crores
Return on Assets (%)
1.10
1.14
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Credit growth
Segment
Jun 2024
Jun 2025
₹ in Crores
YoY Growth (%)
Share of Domestic Advances
Jun 24 (%)
Jun 25 (%)
Retail Personal
13,68,045
15,39,878
12.56
Agri
SME
3,09,094
3,48,267
12.67
4,43,412
5,28,095
19.10
Corporate
11,38,579
12,03,430
5.70
Domestic Advances
32,59,130
36,19,671
11.06
Foreign Offices Advances
5,52,957
6,34,845
14.81
Total Whole Bank Advances
38,12,087
42,54,516
11.61
41.98 Retail Per
42.54 Retail Per
42.50
9.48 Agri
13.61
SME
34.93 Corporate
9.62 Agri
9.30 AGRI
14.59
13.20 SME SME
35.00 Corporate
33.25 Corporate
Analyst Presentation Q1FY26
9
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Credit growth - Retail Personal Banking
As on Jun 2025
Leadership across
all segments
Retail Personal Portfolio of
~₹15.4 lakh crores
3 - year CAGR at
~14%
Jun 25:
~ 42.5% of Dom. Adv.
O/S, ₹ in crores
8,50,856
YoY Growth, %
15.05
GNPA, %
0.73
Home Loans
Auto Loans
Xpress Credit
1,27,102
3,46,757
Personal Gold Loans
63,484
Other P Seg Loans
1,51,679
8.06
0.34
79.15
16.83
0.45
1.21
0.09
0.65
As per latest available data, Bank’s market share in Home loans is 27.7% & in Auto loans is 19.3%
Analyst Presentation Q1FY26
10
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Credit growth - Diversified Loan Portfolio
Industry mix
(₹ in Crores)
Outstanding as on 30th June 25
Fund Based O/S
Corporate Rating mix (%)
High quality asset book
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 %
3,75,410 2,05,609 25,108 1,02,818 41,876 4,99,747 65,594 25,191 9,157 39,282 69,757 38,212 69,758 5,39,418 8,50,856 1,27,102 5,61,920 3,48,267 36,19,671
10.37 5.68 0.69 2.84 1.16 13.81 1.81 0.70 0.25 1.09 1.93 1.06 1.93 14.90 23.51 3.51 15.52 9.62 100.00
-4.22 1.32 -15.36 -9.05 -9.57 13.87 -1.40 16.43 -28.89 3.26 22.42 42.85 13.05 15.59 15.05 8.06 10.00 12.67 11.06
41
28
40
29
16
16
8
7
8
7
Jun 24
AAA
AA
A
BBB
BB & below
Jun 25
AAA
AA
A
BBB
BB & below
~39% share to PSUs / Govt. Depts. as on Jun 25
Analyst Presentation Q1FY26
11
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Credit growth – International Banking
Gross Advances: 14.81% YoY growth ₹ in Crores
Break up of Loan Portfolio (%)
5,88,185
5,52,957
6,11,334 6,19,083 6,34,845
31.8
33.1
Local Lending
customer credit.
India Linked Loans
• Gross advances have grown by 14.81% on
Highlights:
• Consistent Quarter on Quarter growth in
Jun 24
Sep 24 Dec 24 Mar 25
Jun 25
Asset Quality: NPAs Contained GNPA (%)
Loan Portfolio across Geographies (%)
35.1
Trade Finance
YoY basis. 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, Middle
0.25
0.24
0.23
0.22
0.19
Jun 24
Sep 24 Dec 24 Mar 25
Jun 25
7
3
3
5
6
7
7
9
10
26
17
USA (26%)
UK (17%)
East and East Asia region branches.
Hong Kong (9%)
GIFT City (India) (9%)
• Gross NPA ratio is down by 6 bps on YoY
Bahrain (7%)
UAE (6%)
basis and showing declining trend quarter
Singapore (6%)
Japan (5%)
Germany (3%)
Sydney (3%)
Others (7%)
over quarter, underlining high quality of assets
booked.
Analyst Presentation Q1FY26
12
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Deposit growth
Particulars
Jun 2024
Jun 2025
₹ in Crores
YoY Growth (%)
Share of Domestic Deposits
Jun 24 (%)
Jun 25 (%)
Current Account Deposits (CA)
2,46,158
3,21,714
30.69
CA, 5.23
CA, 6.12
Saving Bank Deposits (SA)
16,68,282
17,46,813
4.71
CASA Deposits
19,14,440
20,68,527
8.05
SA, 35.47
SA, 33.24
Term Deposits (TD)
27,89,510
31,86,346
14.23
Domestic Deposits
47,03,950
52,54,873
11.71
Foreign Offices Deposits
1,97,776
2,18,381
10.42
Total Deposits
49,01,726
54,73,254
11.66
TD, 59.30
TD, 60.64
CASA: 40.70
CASA: 39.36
Analyst Presentation Q1FY26
13
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & 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
4 . 7
8 . 5
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
8 9 . 2 2
5 . 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
Jun 25
• Short term cyclical factors notwithstanding, SA remains strong for the Bank; 5 year CAGR: 6.2%, 10 year CAGR: 12.5%
• Outstanding balance in Saving Accounts is almost three times of the next largest Bank
• Number of SA accounts opened daily: ~59,000
• Strengthening liability franchise and CASA mobilisation remains the strategic focus of the Bank
Analyst Presentation Q1FY26
14
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Net interest income
(Cumulative)
Net Interest Margins (%)
Yield on Investments (%)
Domestic
Whole Bank
Foreign Offices
3.35
3.22
2.22
3.31
3.18
2.14
3.25
3.12
2.06
3.22
3.09
2.01
3.02
2.90
1.93
Domestic
7.20
7.21
7.21
7.21
7.13
Jun 24
Sep 24
Dec 24
Mar 25
Jun 25
Jun 24
Sep 24
Dec 24
Mar 25
Jun 25
Yield on Advances (%)
Cost of Deposits (%)
Domestic
8.89
8.93
8.94
8.98
8.78
Foreign Offices
6.21
6.24
5.92
5.77
5.09
Domestic
Foreign Offices
5.00
5.03
5.07
5.11
4.30
4.32
4.23
4.15
5.21
3.87
Jun 24
Sep 24
Dec 24
Mar 25
Jun 25
Jun 24
Sep 24
Dec 24
Mar 25
Jun 25
Analyst Presentation Q1FY26
15
Executive Summary
Performance Highlights
Financial Performance
Capital Adequacy
Asset Quality
Digital Journey
Banking with a Purpose
Subsidiaries, Group Financials & Balance Sheet
Non-interest income
₹ in Crores
Fee Income
7,677
6,922
Loan Processing Charges
Commission on Government Business
Commission on LC / BG
Cross Selling
1,325
1,252
1,013
1,050
887
789
1,010
864
% 1 9 . 0 1
% 7 8 . 5
% 6 5 . 3
% 2 5 . 2 1
% 7 8 . 6 1
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Fee Income grew by
Forex Income grew by
10.91% YoY in Q1FY26
352% YoY in Q1FY26
Recovery from AUCA accounts at
₹1,229 crores in Q1FY26
Analyst Presentation Q1FY26
16
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Treasury Operations
Break up of Domestic Investments (%)
₹ in Crores
Total Investments Book
Jun 24
Jun 25
Domestic Investments
15,66,822
16,18,756
- of which SLR
13,25,342
13,37,291
1.10
0.94
1.02 4.29
17.22
15.05
1.12 9.76
Foreign Offices Investments
66,971
72,658
76.37
73.13
Total Investments Book
16,33,793
16,91,414
A&S
FVTPL-NHFT
FVTPL-HFT
AFS
HTM
Yield on Investments (%)
7.20
7.13
s p b 7 -
Jun 24
Jun 25
Q1FY25
Q1FY26
Jun 2024
26
61
5
4 5
Modified Duration 2.09
AFS Book (%)
Jun 2025
34
46
7
5
8
Modified Duration 2.27
Analyst Presentation Q1FY26
17
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Operating expenses Focus continues on improving income streams with control on costs
Q1FY26
15.9
39.4
44.7
Salary
Retiral benefits & other provisions
Overheads
Staff Expenses to Operating Income (%)
Overheads to Operating Income (%)
50.37
17.80
32.57
49.42
19.84
29.58
47.71
18.79
28.93
Cost to Income Ratio (%)
50.37
49.42
47.71
Q1FY24
Q1FY25
Q1FY26
Cost to Average Assets (%)
1.86
1.67
1.66
52.00
50.00
48.00
46.00
44.00
42.00
40.00
1.90
1.85
1.80
1.75
1.70
1.65
1.60
1.55
1.50
Q1FY24
Q1FY25
Q1FY26
Q1FY24
Q1FY25
Q1FY26
Analyst Presentation Q1FY26
18
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & 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
52.1
54.7
53.0
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 11.10
RoE
Credit growth
19.4
20.3
19.9
19.7
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
11.6
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 Q1FY26
FY14
FY15
FY16
FY17
FY18
FY19
FY20
FY21
FY22
FY23
FY24
FY25 Q1FY26
• Over the medium term we expect RoE to be greater than credit growth
Analyst Presentation Q1FY26
19
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Provisions Available Buffer ₹ in Crores
4,713
1,521
30,345
24,111
Provisions on standard assets at end of Q1FY26
Additional Provision for Restructured Standard Accounts
Other Loan Related Provisions
Total provisions not included in PCR at end of Q1FY26
Credit cost at
0.47%
for Q1FY26
PCR at
74.49%
legacy book well provided
Non NPA provisions at
₹ 30,345 crores
~152%
of Net NPA at end of Q1FY26
Analyst Presentation Q1FY26
20
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Sustainable RoE / RoA – a perspective
ROE (in %)
Upward trend in ROE
25.00
20.00
15.00
10.00
5.00
0.00
-5.00
0.48
-3.78
13.92
7.74
9.94
19.43
20.32
19.87
19.70
Improvement in ROE from FY19 onwards
FY18
FY19
FY20
FY21
FY22
FY23
FY24
FY25
Q1FY26
ROA (in %)
0.02
-0.19
0.38
0.48
0.67
0.96
1.04
1.10
1.14
Continuous improvement in ROA from FY19 onwards
Upward trend in ROA
FY18
FY19
FY20
FY21
FY22
FY23
FY24
FY25
Q1FY26
Analyst Presentation Q1FY26
21
Financial Performance
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Financials – at a glance
Particulars (₹ in Crores)
Quarter Ended
Growth (%)
Interest Income
Interest Expenses
Net Interest Income
Non Interest Income
Operating Income
Operating Expenses
Operating Profit
Total Provisions
Net Profit
NIM (Whole Bank) (%)
NIM (Domestic) (%)
Cost to Income Ratio (%)
Cost to Assets (%)
Q1FY25
Q4FY25
Q1FY26
1,11,526
1,19,666
1,17,996
70,401
41,125
11,162
52,287
25,839
26,449
9,413
17,035
3.22
3.35
49.42
1.67
76,892
42,775
24,210
66,985
35,698
31,286
12,643
18,643
3.00
3.15
53.29
2.15
76,923
41,072
17,346
58,418
27,874
30,544
11,384
19,160
2.90
3.02
47.71
1.66
Q1FY26 over Q4FY25
Q1FY26 over Q1FY25
-1.40
0.04
-3.98
-28.35
-12.79
-21.92
-2.37
-9.96
2.78
-10 bps
-13 bps
5.80
9.27
-0.13
55.40
11.73
7.88
15.49
20.93
12.48
-32 bps
-33 bps
-558 bps
-171 bps
-49 bps
-1 bps
Analyst Presentation Q1FY26
23
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Total income
Particulars (₹ in Crores)
Quarter Ended
Growth (%)
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
Total Non Interest Income
Total Income
Q1FY25
Q4FY25
Q1FY26
79,201
29,327
2,997
85,710
30,585
3,371
85,438
29,598
2,960
1,11,526
1,19,666
1,17,996
6,922
2,589
361
1,290
9,896
6,879
2,859
4,575
7,677
6,326
1,632
1,711
11,162
24,210
17,346
1,22,688
1,43,876
1,35,342
Q1FY26 over Q4FY25
Q1FY26 over Q1FY25
-0.32
-3.23
-12.19
-1.40
-22.42
-8.04
-42.94
-62.61
-28.35
-5.93
7.87
0.92
-1.23
5.80
10.91
144.33
352.35
32.60
55.40
10.31
Analyst Presentation Q1FY26
24
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Fee income break up
Particulars (₹ in Crores)
Quarter Ended
Growth (%)
Loan Processing Charges
Commission on Govt. Business
Commission on LC/BG
Cross Selling
Remittance, Collection, etc.
Misc. Fee Income
Fee Income
Q1FY25
Q4FY25
Q1FY26
Q1FY26 over Q4FY25
Q1FY26 over Q1FY25
1,252
1,013
789
864
1,491
1,512
6,922
1,966
1,037
989
1,285
2,200
2,419
9,896
1,325
1,050
887
1,010
1,502
1,903
7,677
-32.60
1.20
-10.27
-21.37
-31.72
-21.34
-22.42
5.87
3.56
12.52
16.87
0.70
25.84
10.91
Analyst Presentation Q1FY26
25
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Total expenses
Particulars (₹ in Crores)
Quarter Ended
Growth (%)
Q1FY25
Q4FY25
Q1FY26
Q1FY26 over Q4FY25
Q1FY26 over Q1FY25
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
Operating Expenses
Total Expenses
60,340
7,211
2,850
70,401
11,489
3,977
15,466
10,373
1,061
25,839
96,239
67,446
6,149
3,297
76,892
13,342
4,663
18,005
17,693
2,226
35,698
69,036
4,477
3,410
76,923
12,470
4,430
16,900
10,974
972
27,874
1,12,590
1,04,797
2.36
-27.19
3.45
0.04
-6.54
-5.00
-6.14
-37.98
-56.35
-21.92
-6.92
14.41
-37.91
19.68
9.27
8.54
11.38
9.27
5.80
-8.39
7.88
8.89
Analyst Presentation Q1FY26
26
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Overheads
Particulars (₹ in Crores)
Quarter 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
Q1FY25
Q4FY25
Q1FY26
1,345
1,805
1,389
831
171
142
249
299
1,539
1,061
2,203
2,533
929
277
260
372
541
2,752
2,226
3,025
5,507
959
219
140
289
386
2,074
972
2,280
2,266
10,373
17,693
10,974
Q1FY26 over Q4FY25
Q1FY26 over Q1FY25
-23.05
3.29
-21.14
-46.38
-22.12
-28.59
-24.63
-56.35
-24.61
-58.85
-37.98
3.23
15.49
27.78
-1.45
16.24
29.24
34.75
-8.39
3.51
-10.55
5.80
Analyst Presentation Q1FY26
27
Executive Summary
Overview
Performance Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Provisions & profit
Particulars (₹ in Crores)
Quarter Ended
Growth (%)
Operating Profit
Loan Loss
Standard Assets
Investment Depreciation
Other Provisions
Income Tax
Total Provisions
Net Profit
Ratios (Annualized)
ROA (%)
ROE (%)
Earning Per Share (₹)
Q1FY25
Q4FY25
Q1FY26
26,449
4,518
128
75
-1,271
5,964
9,413
17,035
Q1FY25
1.10
20.98
76.56
31,286
3,964
400
441
1,636
6,202
12,643
18,643
FY25
1.10
19.87
79.44
30,544
4,934
-319
-48
192
6,625
11,384
19,160
Q1FY26
1.14
19.70
86.11
Q1FY26 over Q4FY25
-2.37
24.46
6.82
-9.96
2.78
Q1FY26 over Q1FY25
15.49
9.21
11.08
20.93
12.48
Analyst Presentation Q1FY26
28
Capital Adequacy
Executive Summary
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 (%)
13.86
2.08
1.53
10.25
14.63
2.18
1.35
14.25
2.14
1.30
12.30
8.80
10.81
11.10
RWA to Total Assets (%)
54.66
53.19
53.01
Jun 24
Mar 25
Jun 25
Credit Risk Weighted Assets on Advances to Gross Advances (%)
58.84
58.07
56.02
Jun 24
Mar 25
Jun 25
CET-1
AT-1
Tier-2
Min regulatory CET-1 ratio
Min regulatory Total Capital ratio
Including Profits of Q1FY26, total CRAR stands at 15.16% and CET-1 at 11.63%
Jun 24
Mar 25
Jun 25
Analyst Presentation Q1FY26
30
Executive Summary
Performance Highlights
Financial Performance
Capital Adequacy
Asset Quality
Digital Journey
Banking with a Purpose
Subsidiaries, Group Financials & Balance Sheet
QIP Issue – Strong Investor demand India’s Largest equity issuance at ₹ 25,000 Crores
Shares Issued
GoI holding
Allotment of new shares - 21st July 2025
New shares allotted – 30.60 crores
Listing and trading of allotted shares – 23rd July 2025
• Pre-QIP: 56.92%
• Post-QIP: 55.03%
Utilisation of Funds
Augmentation of CET1 capital
Impact:
CET1 – Improved from 11.10% (30th Jun 2025) to 11.80% and including profit of Q1FY26 to 12.33% CRAR - Improved from 14.63% (30th Jun 2025) to 15.33% and including profit of Q1FY26 to 15.86%
The CRAR buffer of 3.56% above regulatory requirement can support credit growth of ~₹12.50 lakh crore
Analyst Presentation Q1FY26
31
Asset Quality
Executive Executive Summary Summary
Performance Overview Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Asset quality (1/4)
Cumulative for the Period (%)
Jun 24
Sep 24
Dec 24
Mar 25
Jun 25
76,880
78,040
Gross NPA (₹ in Crores)
84,226
83,369
84,360
Gross NPA Ratio
Net NPA Ratio
2.21
0.57
2.13
0.53
2.07
1.82
1.83
0.53
0.47
0.47
PCR (Incl. AUCA)
91.76
92.21
91.74
92.08
91.71
Jun 24
Sep 24
Dec 24
Mar 25
Jun 25
PCR
74.41
75.66
74.66
74.42
74.49
Net NPA (₹ in Crores)
Corporate PCR (Excl. AUCA)
95.59
98.34
97.24
97.75
98.67
Slippage Ratio
Credit cost
0.84
0.48
0.68
0.43
0.59
0.55
0.75
21,555
20,294
21,378
19,667
19,908
0.37
0.38
0.47
Jun 24
Sep 24
Dec 24
Mar 25
Jun 25
Analyst Presentation Q1FY26
33
Executive Summary
Performance Overview Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & 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
Q1FY25
84,276
Q2FY25
84,226
Q3FY25
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
Closing Level of Gross NPAs
84,226
83,369
84,360
Q4FY25
84,360
11,799
1,739
4,319
98
4,222
-7,480
76,880
FY25
84,276
29,520
9,211
22,124
1,306
20,818
-7,396
76,880
Segmental NPAs:
Jun 24
Mar 25
Jun 25
Retail:
Agri.
Per Segment
SME
Corporate
International
Total
NPA
Ratio %
58,081
30,425
11,033
16,623
24,752
1,393
84,226
2.74
9.84
0.81
3.75
2.17
0.25
2.21
NPA
57,057
29,389
11,132
16,536
18,450
1,373
76,880
Ratio %
2.42
8.43
0.74
3.27
1.49
0.22
1.82
NPA
59,664
30,297
11,985
17,381
17,157
1,219
78,040
₹ in Crores
Q1FY26
76,880
7,239
3,253
8,398
453
7,945
1,159
78,040
Ratio %
2.47
8.70
0.78
3.29
1.43
0.19
1.83
Analyst Presentation Q1FY26
34
Executive Summary
Performance Overview Highlights
Performance Financial Highlights Performance
Financial Capital Adequacy Performance
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Digital Journey
Banking with a Banking with a Purpose Purpose
Subsidiaries, Group Financials & Balance Sheet
Movement of NPAs and AUCA (3/4)
Movement of NPAs (incl. Advances under Collection):
Mar 23
Mar 24
Mar 25
Jun 25
₹ in Crores
Opening Level of GNPA + AUCA
2,85,358
2,65,497
2,59,478
2,48,314
Gross Addition (Increase in O/s + Slippages)
19,223
20,982
22,124
8,398
Total GNPA + AUCA + Additions
3,04,581
2,86,479
2,81,602
2,56,712
Less: Recovery / Upgradation
23,355
18,406
17,213
4,482
Less: Write-off (Removal from AUCA)
15,729
8,595
16,076
12,173
Closing Level of Gross NPAs + AUCA
2,65,497
2,59,478
2,48,314
2,40,057
Analyst Presentation Q1FY26
35
Executive Summary
Performance Overview Highlights
Financial Performance
Capital Adequacy
Capital Adequacy Asset Quality & Asset Quality
Digital Journey
Banking with a Purpose
Subsidiaries, Group Financials & Balance Sheet
Asset quality (4/4)
Slippages
₹ in Crores
20,317
20,818
7,903
7,945
4,871
3,823
4,222
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
5,025
2,097
2,928
FY24
FY25
Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26
Jun 24
Sep 24
Dec 24
Mar 25
Jun 25
Analyst Presentation Q1FY26
36
Digital Journey
Executive Summary
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
Digital Leadership across channels
25.48%
Debit card spends
29.04%
ATMs
27.25%
Mobile Banking
No. of Transactions
23.13%
Mobile Banking
Transaction value
Increasing digital adoption(%)
2%
1%
5%
1%
1% 4%
Jun 24
Jun 25
92%
94%
Digital* ATM & CDM BC Channel Branch
98.6%
Share of Alternate Channels
* Digital comprises of Internet, Mobile, UPI & YONO and Green Channel
UPI
1,366 Cr 21.18 Cr 25.03%
Remit transactions (Numbers during Q1FY26)
Unique SBI UPI users based on account nos.
Market share in remittances
(Cumulative till June 25)
Debit cards
24.27 Cr
~11 Cr
~₹28 K Cr
Debit Cards
(As on 30th Jun 25)
Debit Card spend transactions
(Numbers during Q1FY26)
Debit Card spend (Amount during Q1FY26)
ATM
~1 Cr
ATM transactions per day
Analyst Presentation Q1FY26
38
Executive Summary
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
7.8 Cr
9.0 Cr
2.5 Cr
2.7 Cr
17.1 Cr
21.2 Cr
Jun 24
Jun 25
12.8 Cr
14.2 Cr
82.8 K
76.8 K
62.5 K
62.2 K
Jun 24
Jun 25
Jun 24
Jun 25
Jun 24
Jun 25
Payment acceptance touch points
54.4L
BHIM SBI Pay QR Codes
16.4L
SBI POS
10.7L
BHIM-Aadhar-SBI
10.2L
Bharat QR
Analyst Presentation Q1FY26
39
Executive Summary
Performance Overview 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
27.4 L
YONO Registration
12.2 L
Whatsapp Banking Registration
0.7 L
Digital Loans Disbursed
(Q1FY26)
0.5 L
PPF Accounts Opened
(Numbers)
(Q1FY26)
Digital Banking Create seamless omni- channel customer experience
(Numbers)
Cross Selling Provide one-stop shop for all financial needs
(Numbers/Amount*)
e2e Digital Loans (Disbursement Amt.)
Quick Personal Loans on the go!
(Amount)
24.10 L
SB accounts opened
86.97 L
YONO Cash
96.21 L
YONO Quick Pay
0.53 L
OD against FD
20.16 L
0.69 L
2.40 L
₹ 628 Cr
Personal Accident Insurance
New Business LI policies sold
Approved Credit Cards
Mutual Funds Gross Sales*
₹ 1,791 Cr
₹ 472 Cr
₹ 184 Cr
₹ 66 Cr
PAPL
Real Time Personal Loan
Insta Home Top Up Loan
Loan against Mutual Funds
Analyst Presentation Q1FY26
40
Executive Summary
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
Regular SB A/C opened
SB Account (Out of Eligible)
PPF A/C Opened
Approved Credit Cards
NPS A/C Opened
(# Lakhs)
Opening Migration
(# Percentage)
(# Actuals)
(# Lakhs)
(# Actuals)
12.6%
24.1
21.4
90.08%
380 bps
86.28%
31.7%
37,783
49,766
2.40
27.6%
23,725
41.9%
1.69
18,600
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Q1FY25
Q1FY26
~27 K
65.68%
~553
~2.6 K
~264
Daily Average SB A/C Opened in Q1FY26
SB Accounts opened through YONO in Q1FY26 (of the total opened in the Bank)
Daily Average PPF A/C Opened in Q1FY26
Daily Average Approved Cards in Q1FY26
Daily Average NPS A/C Opened in Q1FY26
Analyst Presentation Q1FY26
41
Executive Summary
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
(Q1FY26)
Remitter
Beneficiary
Market Share
~15.01 Cr Avg Txn / Day (Numbers)
~5.96 Cr Avg Txn / Day (Numbers)
1.8 L / 54.38 L
Merchant Onboarding (Q1FY26 / Cumulative upto June'25)
(Numbers)
25.03% Remitter Bank
9.92% Beneficiary Bank
International
UPI Registrations
Accelerating digital growth through UPI across countries:
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))
Q1FY25
Q1FY26
YONO UPI
3.71 Lakhs
9.65 Lakhs
Total UPI User on YONO : 3.85 crore
Analyst Presentation Q1FY26
42
Executive Summary
Performance Overview 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
Q1FY26
Current Account
New Digital CA
49,546
New to Digital Customers
Customers Onboarded
1,34,871
Digital 40% (Out of total CA opened)
Desktop Users : 34.43 lakhs# App Users: 17.00 lakhs#
# - Users registered on Desktop and App as on 30.06.2025
YONO Business Payments
No. of Txns
20.20 crores
Value of Txns (₹)
69.61 trillion
YB App Payments
No. of Txns
1.49 crores
Value of Txns (₹)
3.91 trillion
API Banking
No. of Txns
Pre-Approved Business Loans
Leads Converted
25,776
16,304
Value of Txns (₹)
640 crores
Sanctioned Amount (₹)
983 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)
78%
88%
Inland Bank Guarantee (INBG)
Export Letter of Credit (EXLC)
66%
79%
Analyst Presentation Q1FY26
43
Executive Summary
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)
1,37,357
1,24,268
1,04,139
65,912
33,377
FY22
FY23
FY24
FY25
Q1FY26
CVE Commission (fee) ₹ 63 Cr
REHBU ₹ 2,030 Cr
Retail Loans ₹ 22,174 Cr
SMEBU ₹ 4,418 Cr
ABU ₹ 4,754 Cr
Digital Loans (₹ in Crores) ₹ 3,497 Cr
PAPL ₹1,858 Cr
PABL ₹983 Cr
RTXC ₹472 Cr
Insta Home Top up ₹184 Cr
The Bank’s Analytics Department has been ISO 9001:2015 Certified for Quality Management
The Bank has expanded its portfolio of GenAI Models to 10+ Domain Specific Usecases
Note: All Figures are for Q1FY26 – Apr 25 to Jun 25
Analyst Presentation Q1FY26
44
Banking with a Purpose
Executive Summary
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
82,793
76,812
17.16
15.52
1,20,000
1,10,757
1,09,228
60,000
-
Transaction Amount (₹ in Cr)
No. of Transactions (in Cr)
2.00
1,20,000
1,00,000
80,000
60,000
40,000
20,000
-
4,167
75,672
3,814
67,308
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 30.06.2025)
47.33 PMJJBY
40.03
PMSBY
32.60
APY
Jun 24
Jun 25
Q1FY25
Q1FY26
Jun 24
Jun 25
Performance under Social Security Schemes
Way forward
Cumulative no. in crores
APY
PMJJBY
PMSBY
Passbook Printers installed at CSPs
% Share of Passbooks printed at CSPs
Improvement in Ease of Banking
Jun 24
1.53
5.87
12.93
Jun 24
28,434
24.99
Jun 25
1.79
7.32
14.92
Jun 25
34,507
25.12
❖ To leverage the channel for business generation of Asset Products and for Re-KYC and activation of inoperative accounts as per revised guidelines of RBI.
❖ To make BC/CSP Channel a robust delivery platform
❖ A robust Mobile hand-held device has been launched, offering 14 services including Cash Deposit & withdrawal, Fund transfer, Money transfer, Loan Deposit, LAMS, Balance enquiry, Mini Statement, PMJJBY, PMSBY, APY, Card-based transactions and Account opening. Additional services are currently under development.
Analyst Presentation Q1FY26
46
Executive Summary
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
₹ 19,160 crores Net Profit in Q1FY26
₹ 74,604 crores (Fund based) ₹ 13,249 crores (Non-Fund based) Renewable Energy (RE) financed portfolio
₹ 19.54 crores CSR Spend during Q1FY26
2,35,394 Total workforce*
₹ 42.55 lakh crores Advances
>41 GW Capacity of RE financed Portfolio
76,812 BC outlets*
27.8% Women in workforce*
₹ 54.73 lakh crores Deposits
>47 MWp Captive RE Capacity*
31,322 Candidates trained through RSETIs during Q1FY26
5,700 Persons with Disabilities / Divyang*
98.6% Share of transactions through Alternate Channels
65 Green Building Certifications*
>53 k Trees planted in open spaces and branch / office premises during Q1FY26
100% All permanent Employees covered under medical benefits
* indicates values that are cumulative in nature i.e. up to 30.06.2025
Analyst Presentation Q1FY26
47
Executive Summary
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
A
FY23
FY24
SBI’s DJSI ESG rating improved from
37
49
FY23
FY24
Impetus for Renewable Energy (RE) : Supporting growth of Fund and Non-Fund based RE projects with an associated capacity of 41,198 MW
• Consolidation of ESG and Climate finance functions under a dedicated unit headed by CGM to enable focused attention to support emerging climate finance activities during transition phase.
the
• 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:
I.
Carbon Neutrality Scope 1 & 2 emissions.
in
II. At least 7.5% of domestic to be
gross advances Green advances
III. 25% of
these green advances to be funded by Green Lines of Credit
Green Deposits
As on 30.06.2025 Total outstanding of SBI Green Deposit under Green Rupee Term deposit scheme is ₹ 125.60 crore.
Shift to Renewal energy sources
Green Building Certification by IGBC
4,697 Solar Rooftops have been installed in Branches / Offices / ATMs / Premises with capacity of 32.42 MW as on 30.06.2025. The Bank also owns 10 Windmills with an installed capacity of 15 MW.
65 of Bank’s official / residential buildings certified as Green Building as on 30.06.2025
Tree Plantation
More than 0.53 lakh trees have been planted in open spaces and branch / office premises under CSR activities during Q1FY26.
As on 30th June 2025
Limits sanctioned for renewable energy projects: Fund based - ₹ 74,604 crore Non-Fund based - ₹ 13,249 crore
Solar Power (Rooftop & ground mounted): Fund based - ₹ 45,736 crore Non-Fund based - ₹ 8,551 crore
Small hydro / Hydro Power: Fund based - ₹ 9,407 crore Non-Fund based - ₹ 944 crore
Wind Power, Biomass and others: Fund based - ₹ 19,461 crore Non-Fund based - ₹ 3,754 crore
Limits sanctioned for Sustainable Finance activities : Fund based - ₹ 17,446 crore Non-Fund based - ₹ 2,939 crore
Sustainable Transportation (includes E-Car loan of ₹ 3,197 crore): Fund based - ₹ 9,988 crore Non-Fund based - ₹ 1,756 crore
Green buildings: Fund based - ₹ 2,172 crore Non-Fund based - Nil
Energy Efficiency process, Waste & Pollution control and others: Fund based - ₹ 5,286 crore Non-Fund based - ₹ 1,183 crore
Analyst Presentation Q1FY26
48
Executive Summary
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 30.06.2025
CSR Expenditure during Q1FY26 (%)
Other CSR 14%
Culture 3%
➢ Mega Blood Donation Camps were organised across the country resulting in collection of 89680 units of blood on the occasion of 70th Foundation Day of the Bank
➢ Distribution of clothes to 30,000 poor families in Lucknow circle
Education 29%
➢ Distribution of 310 laptops to meritorious students belonging to from Sc/ST/OBC and other underprivileged of the Society in Bhopal Circle.
Livelihood Initiatives 11%
CSR Spends of ₹ 19.54 crores in Q1FY26
Healthcare & Sanitation 31%
Green Environment 12%
➢ CSR Support has been provided to Nomadic families at Leh by way of 16
community tents.
➢ Establishment of Smart classes in 17 identified Government schools in
Maharajganj district of Uttar Pradesh
➢ Renovation of Vocational Training Centre at Sukna Military Station in
Darjeeling ,West Bengal
Analyst Presentation Q1FY26
49
Executive Summary
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
SBI Foundation
• Celebrated 10 years of SBI Foundation on June 26th, 2025.
SBIF CONSERW : Environment & Sustainability
• Tripartite MoU signed with Feedback Foundation and Varanasi Cantonment Board to implement a Solid Waste Management project featuring a 5-TPD Sanitation Park, 95% segregation, waste worker skilling, and IEC campaigns.
• Tripartite MoU signed with Chintan and Ayodhya Nagar Nigam to implement an integrated waste management project in 4 wards of Ayodhya, including a 4-TPD MRF, waste segregation, waste worker skilling, and IEC campaigns.
• World Environment Day commemorated in SBI Foundation with a
campaign on waste management and sustainability.
Centre of Excellence (CoE) for Persons with Disabilities (PwD)
• The Pankh Skill Development Centre was inaugurated under Swavalamban project at Kochi, Kerala in partnership with TRRAIN, aiming to train and place 1,650 PwDs across five centres over two years.
• Celebrated Global Accessibility Awareness Day at
India International Centre, New Delhi, in collaboration with DEPwD and NAB.
SBI Gram Seva : Rural Development
SBI Youth for India Fellowship Program
• SBI Foundation celebrated International Yoga Day across its ‘Gram Seva’ project villages, bringing communities together and receiving wide coverage in various publications and on social media.
• Special Stories were telecasted in DD Channels about, 'SBI Jan- Van' social forestry project in Karnataka and ‘SBI Gram Saksham’ watershed development project in Jharkhand
• SBI Youth for India Annual Conclave 2025 was held in Guwahati, Assam with 214 attendees including YFI alumni, thematic experts, and partners. Highlights included sessions on AI, leadership, fundraising, and the SBI YFI Sahyog - Pitch Fest 2025.
• The Second Review Workshop for the YFI 2024–25 Batch was held at the State Bank Academy, Gurugram, where fellows from all 13 Partner NGOs presented their progress to experts.
SBIF LEAP : Livelihoods
SBIF Jivanam: Healthcare
• SBIF LEAP: Ghe Bharari – Mala Pankh Milale project was launched to support women
in Navi Mumbai with UMED-MSRLM entrepreneurs through workshops.
• SBIF LEAP: Innovation for Social Good was launched in New Delhi
with IIT Kanpur to support 30 impact - driven startups.
• SBIF LEAP: Incubating Incubator Initiative (i-Cube) was launched in New Delhi with NSRCEL (IIM Bangalore) to strengthen 8+ incubators in underserved regions.
SBIF Sashakti
• SBIF Sashakti – EntrepreNaari project was inaugurated in Panaji, Goa, in partnership with SEED, to empower 1,000 women entrepreneurs in the F&B sector.
• SBI Sanjeevani: Nirantar Seva project was
inaugurated at Buldhana, Maharashtra (Samruddhi Mahamarg) in partnership with Creative Group.
• The SBI Sanjeevani: Clinic on Wheels project, in partnership with
NISTHA, was inaugurated in Muzaffarpur, Bihar.
SBIF ILM : Education
• A special program uniquely named as KRIYA under SBIF ILM: Reimaging Science Education was launched in Raichur, Karnataka in partnership with Prayoga, introducing STEM learning across 12 government schools, benefitting 1,440 students
Analyst Presentation Q1FY26
50
Executive Summary
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
Analyst Presentation Q1FY26
51
Subsidiaries, Group Financials & Balance Sheet
Executive Summary
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 Jun 2025 ₹ in Crores
PAT (₹ in Crores)
ROE (in %)
Q1FY25
Q1FY26
520
13.6
594
13.7
PAT (₹ in Crores) *
ROE (in %)
*As per Ind AS, without OCI
Q1FY25 594
19.1
Q1FY26 556
15.8
Individual Rated Premium
Gross Written Premium
Value of New Business
CIF (In Lakh)
Spends
Receivables
3,600
3,400
3,200
3,000
2,800
2,600
2,400
2,200
3,469
3,223
20,000
18,000
16,000
14,000
12,000
10,000
8,000
6,000
4,000
2,000
0
% 8
17,814
15,572
1,200
1,000
800
600
400
200
0
% 4 1
974
1,088
250
200
150
100
50
0
% 2 1
192
212
1,00,000
90,000
80,000
70,000
60,000
50,000
40,000
30,000
20,000
10,000
0
% 0 1
93,244
77,129
52,705
56,607
% 7
% 1 2
63,000
58,000
53,000
48,000
43,000
38,000
33,000
28,000
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Q1 FY25
Q1 FY26
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Market Share
• Private market leadership in Individual New
Business Premium and Individual Rated New
Business Performance • Renewal Premium stands at ₹ 10,546 Crores;
growth of 24%.
• PAT grew by 14% YoY and stands at ₹ 594
Business Premium, with private market share of
Crores; Robust solvency ratio of 1.96.
Market Share
Portfolio (Q1FY26)
• #2 player in Cards and #3 in
• ▲ 10% YoY in cards,
Spends
• ▲ 21% YoY in spends
• Cards-in-force in Q1FY26
• ▲ 7% YoY in receivables
25% and 22.3% respectively.
• VONB stands at ₹ 1,088 crores with a growth of
12%.
• VONB margin stands at 27.4%. • Embedded Value stands at ₹ 74,257 crores with
a growth of 20%.
• Assets under Management ₹ 4,75,813 Crores;
growth of 15% YoY.
19.1% (Q1FY25 18.5%),
• Spends in Q1FY26 16.6%
(Q1FY25 15.9%)
Profitability • During Q1FY26 Revenue from Operations grew 12% YoY, PAT at ₹556 Crores
• During Q1FY26, ROA is at 3.4%, ROE is at 15.8%
• Capital Adequacy Ratio (CAR) is at 23.2%, Tier I is at 17.9%.
Analyst Presentation Q1FY26
53
Executive Summary
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 Jun 2025 ₹ in Crores
PAT (₹ in Crores)*
ROE (in %)
*As per Ind AS, without OCI
Performance Highlights
Q1FY25
680
36.4
Q1FY26
845
37.0
PAT (₹ in Crores)
ROE (in %)
Gross Written Premium
Q1FY25
183
17.3
AUM
Q1FY26
188
15.8
3,250
18,463
22,726
• SBIFML has been the largest player in the market since Q4FY20. As on June 2025, SBIMF has a
quarterly Average AUM of ₹ 11.40 lakh crores with a market share of 15.80%. The second largest
2,675
player has a market share of 13.09%.
• SBIMF Quarterly average Mutual Fund AUM grew by ₹ 1.52 lakh crores from ₹ 9.88 lakh crores in
Q1FY25 to ₹ 11.40 lakh crores in Q1FY26.
% 2 2
% 3 2
Q1FY25
Q1FY26
Q1FY25
Q1FY26
Group
PAT (₹ in Crores)
ROE (in %) (Annualised)*
Q1FY25
Q1FY26
207
19.0
181
14.1
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.6 for Debt Private placement of bonds in Q1FY26 as per the Bloomberg league
table.
• ECM: Ranked No.7 in the ECM league table for the amount of issues done in Q1FY26.
• SBI General has grown 3.5x of the Pvt industry in Q1FY26.
• SBIG Market share is 6.19% in Q1FY26 as against 5.41% in Q1FY25.
• No. 1 player in Personal Accident segment amongst Private players.
• SBI General has ranked up in Pvt Motor segment to 6th Position from 7th LY (QoQ).
Analyst Presentation Q1FY26
54
Executive Summary
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 – Q1FY26
9 RRBs operating in 9 States
Network of 4,129 branches in 194 districts
• Deposits at ₹ 1,36,710 crores ▲ 0.94% YoY
• Gross NPA ▼ 119 bps YoY at 2.59%
• CASA ▼ 82 bps YoY at 52.65%
• Net Profit of ₹ 782 crores ▼ 13.71% YoY
• Gross Advances at ₹ 1,11,691 crores ▲ 10.46% YoY
• ROA ▲ 10 bps YoY at 2.06%
• CD Ratio ▲ 705 bps YoY at 81.70%
• PCR ▲ 229 bps YoY at 88.51%
• NIM ▼ 47 bps YoY at 3.49%
• ROE ▼ 438 bps YoY at 17.42%
The figures reflect comparison of performance pertaining to 9 RRBs (post amalgamation) as against 14 RRBs. SBI sponsored 5 RRBs merged with RRBs of other sponsored Banks as per GOI’s “One State One RRB” concept w.e.f. 01st May 2025.
Analyst Presentation Q1FY26
55
Executive Summary
Performance Highlights
Financial Performance
Capital Adequacy
Asset Quality
Digital Journey
Banking with a Purpose
Subsidiaries, Group Financials & Balance Sheet
SBI group financials – Q1FY26
Particulars (₹ in Crores)
Quarter Ended
Growth (%)
Particulars
Quarter Ended
ROA (%)
ROE (%)
Earning Per Share (₹)
Expenses Ratio (%)
NIM (%)
Gross NPA Ratio (%)
Net NPA Ratio (%)
Q1FY25
Q1FY26
1.14
21.55
86.85
49.15
3.27
2.20
0.56
1.15
19.68
95.29
47.37
3.01
1.84
0.47
Q1FY25
Q1FY26
Interest Earned
1,18,242
1,25,729
Non-Interest Income
33,883
41,263
Total Income
1,52,125
1,66,992
Interest Expended
Operating Expenses (i+ii)
(i) Employee Cost
(ii) Other Operating Expenses
71,701
49,589
16,847
32,742
78,266
54,233
18,491
35,742
Total Expenditure
1,21,290
1,32,499
Operating Profit
30,835
34,493
Provisions (other than Tax)
4,408
5,264
Add: Share in profit of associates
Less: Minority Interest
Tax Expenses
Net Profit
414
769
495
920
6,747
7,602
19,325
21,201
YoY
6.33
21.78
9.77
9.16
9.36
9.75
9.16
9.24
11.86
19.42
19.63
19.56
12.68
9.71
Analyst Presentation Q1FY26
56
Executive Summary
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
Jun 25
YOY Growth (%)
Jun 24
Jun 25 YOY Growth (%)
₹ in Crores
0.00
18.36
11.66
-8.18
-6.22
9.33
892
4,38,165
16,842
892
5,19,583
19,172
49,53,324
55,34,314
6,27,366
7,38,130
5,86,170
7,84,159
67,74,720
74,44,291
0.00
18.58
13.83
11.73
-6.57
6.24
9.88
SBI SOLO
SBI GROUP
Jun 25
YOY Growth (%)
Jun 25 YOY Growth (%)
Jun 24
2,15,278
88,061
20,95,660
38,30,522
44,624
5,00,575
2,62,965
1,27,216
22,29,737
42,87,300
53,794
4,83,279
22.32
52.74
3.36
11.92
21.23
-3.97
9.33
22.15
44.46
6.40
11.92
20.55
-3.46
9.88
Analyst Presentation Q1FY26
57
61,91,154
67,68,505
67,74,720
74,44,291
Jun 24
892
3,96,496
892
4,69,302
49,01,726
54,73,254
5,85,667
3,06,373
5,37,749
2,87,307
61,91,154
67,68,505
Jun 24
2,14,824
71,777
16,28,836
37,49,139
42,527
4,84,050
2,62,777
1,09,635
16,83,494
41,96,205
51,555
4,64,839
Thank You