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

₹ 19,160 crore

et 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

12.48%

erating 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 Susta

₹ 54 lakh crore

ses 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 rea

30.69%

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 custom

22%

ss ₹ 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

11.61%

c 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 dep

₹ 42.5 lakh crore

ue 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 cr

68.88%

cross 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 Rat

0.47%

edit 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

1.83%

stry 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

0.75%

d 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

“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”

“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.”

“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.”

“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.”

“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 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.”

Highlights

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Impact

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Movement of NPAs

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Segmental NPAs

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Retail

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Finance activities

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Green buildings

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Pollution control and others

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SBI Gram Seva

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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 Jo

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

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

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 8,39

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

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. ➢ Establish