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

₹ 100

up Financials & Balance Sheet Key trends in Q2FY26 Business Net Profit Total Business crossed ₹ 100 Trillion Deposits cross ₹ 55.9 lakh crore; Advances at ₹ 44.2 lakh crore Net Profit at ₹ 20,160 cr

₹ 55.9 lakh crore

Key trends in Q2FY26 Business Net Profit Total Business crossed ₹ 100 Trillion Deposits cross ₹ 55.9 lakh crore; Advances at ₹ 44.2 lakh crore Net Profit at ₹ 20,160 crores with a YoY growth of 9.97% Driven by

₹ 44.2 lakh crore

s Net Profit Total Business crossed ₹ 100 Trillion Deposits cross ₹ 55.9 lakh crore; Advances at ₹ 44.2 lakh crore Net Profit at ₹ 20,160 crores with a YoY growth of 9.97% Driven by higher Non-Interest Income Li

₹ 20,160 crore

ssed ₹ 100 Trillion Deposits cross ₹ 55.9 lakh crore; Advances at ₹ 44.2 lakh crore Net Profit at ₹ 20,160 crores with a YoY growth of 9.97% Driven by higher Non-Interest Income Liability franchise Sustained d

9.97%

55.9 lakh crore; Advances at ₹ 44.2 lakh crore Net Profit at ₹ 20,160 crores with a YoY growth of 9.97% Driven by higher Non-Interest Income Liability franchise Sustained domestic market share of over

22%

Driven by higher Non-Interest Income Liability franchise Sustained domestic market share of over 22%, driven by reach, trust and digital Current account balances up 17.90% YoY Credit growth Up 12.7

17.90%

domestic market share of over 22%, driven by reach, trust and digital Current account balances up 17.90% YoY Credit growth Up 12.73% YoY; growth across business lines Domestic credit to deposit ratio a

12.73%

22%, driven by reach, trust and digital Current account balances up 17.90% YoY Credit growth Up 12.73% YoY; growth across business lines Domestic credit to deposit ratio at 69.82%; RAM Portfolio crosse

69.82%

oY Credit growth Up 12.73% YoY; growth across business lines Domestic credit to deposit ratio at 69.82%; RAM Portfolio crossed ₹ 25 lakh crore Industry leading asset quality outcomes Contained credit

₹ 25 lakh crore

oY; growth across business lines Domestic credit to deposit ratio at 69.82%; RAM Portfolio crossed ₹ 25 lakh crore Industry leading asset quality outcomes Contained credit cost at 0.39% for the quarter, GNPA Rat

0.39%

rtfolio crossed ₹ 25 lakh crore Industry leading asset quality outcomes Contained credit cost at 0.39% for the quarter, GNPA Ratio at 1.73%, NNPA Ratio at 0.42% Slippage ratio at 0.45% Well provided fo

“Opening Level of Gross NPAs Total Reductions of which : Recovery + Upgradation Gross Addition of which : Increase in O/s : Fresh Slippages Net Increase Q2FY25 84,226 Q3FY25 83,369 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 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 Q1FY26 76,880 7,239 3,253 8,398 453 7,945 1,159 78,040”

“25% of these green advances to be funded by Green Lines of Credit • raising Lines of Credit FY26.”

“• The SBI Sanjeevani – Nirantar Seva project, Hon’ble Minister of Agriculture, Maharashtra; Shri Rajabhaut, implemented in partnership with Creative Group, was inaugurated; The initiative delivers emergency medical services, medicines, and timely assistance to road accident victims along the Mumbai–Nagpur Expressway.”

“The project is being implemented by Arpan Seva Sanstha for integrated rural development.”

“• Gram Seva launched the SBI Sammaan – Hom(e)age to the National Heroes project at Rudha village, Sitapur District, Uttar Pradesh, implemented by Sahbhagi Sikshan Kendra in tribute to Param Vir Chakra Awardee Shaheed Captain Manoj Kumar Pandey.”

“• SBIF Jivanam initiative to establish a modern Radiology Department at Guru Amar Dass Hospital, Ludhiana, under the Providing Medical Equipment project.”

“• The SBIF Jivanam: Providing Medical Equipment project was launched.”

“• The SBI Sanjeevani – Clinic on Wheels project was inaugurated, with funding support from SBI-SG Global and implementation by Shikhar Yuva Manch (SYM).”

“The project aims to provide safe and modern accommodation for 220 tribal girls, supporting their access to education in a secure environment.”

“• SBIF CoE: Samagra Shiksha project launched at Narmadapuram, Madhya Pradesh, in partnership with CBM India Trust.”

Highlights

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Movement of NPAs

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Segmental NPAs

1

Retail

1

New Initiatives at CSP outlets

1

Way forward

1

Finance activities

1

Green buildings

1

Pollution control and others

1

Highlights

• Consistent Quarter on Quarter growth in Sep 24 Dec 24 Mar 25 Jun 25 Sep 25 Asset Quality: NPAs Contained GNPA (%) Loan Portfolio across Geographies (%) 34.1 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 0.24 0.23 0.22 0.19 0.19 Sep 24 Dec 24 Mar 25 Jun 25 Sep 25 8 3 3 5 6 7 7 9 9 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 5 bps on YoY Bahrain (7%) UAE (7%) basis and showing declining trend, underlining Singapore (6%) Japan (5%) Germany (3%) Sydney (3%) Others (7%) high quality of assets booked. Analyst Presentation Q2FY26 12 Executive Summary Overview Performance Highlights Performance Financial Highlights Performance Financial Capital Adequacy Performance Capital Adequacy Asset Quality & Asset Quality Digital Journey Digital Journey

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 Q2FY25 84,226 Q3FY25 83,369 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 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 Q1FY26 76,880 7,239 3,253 8,398 453 7,945 1,159 78,040

Retail

Agri. Per Segment SME Corporate International Total NPA Ratio % 57,853 30,409 10,860 16,584 24,106 1,410 83,369 2.66 9.44 0.78 3.63 2.08 0.24 2.13 NPA 59,664 30,297 11,985 17,381 17,157 1,219 78,040 Ratio % 2.47 8.70 0.78 3.29 1.43 0.19 1.83 NPA 59,834 30,191 11,699 17,944 15,144 1,265 76,243 ₹ in Crores Q2FY26 78,040 6,794 2,279 4,998 244 4,754 -1,797 76,243 Ratio % 2.39 8.20 0.73 3.31 1.22 0.19 1.73 Analyst Presentation Q2FY26 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 Sep 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 13,

Way forward

❖ CSP Channel is leveraged for generation of business leads for Asset Products. Collection of documents for settlement of DEAF accounts as per revised guidelines of RBI. ❖ A robust Mobile hand-held device has been launched, offering various services including Cash Deposit/ Withdrawal, Fund transfer, Loan installment Deposit, Balance Enquiry, Enrollment for Social Security Schemes, Card-based transactions, Re-KYC and Account opening (incl. RD & STDR). Analyst Presentation Q2FY26 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 ₹ 20,160 crores Net Profit in Q2FY26 ₹ 94,576 crores (Fund based) ₹ 13,378 crores (Non-Fund based) Renewable Energy (RE) financed portfolio ₹ 365 crores CSR Spend during H1FY26 2,46,026 Total workforce* ₹ 44.20 lakh crores Advances >43 GW Capaci

Finance activities

Fund based - ₹ 17,588 crore Non-Fund based - ₹ 2,782 crore Sustainable Transportation (includes E-Car loan of ₹ 3,578 crore): Fund based - ₹ 8,202 crore Non-Fund based - ₹ 1,756 crore

Pollution control and others

Fund based - ₹ 7,213 crore Non-Fund based - ₹ 1,026 crore Analyst Presentation Q2FY26 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 30.09.2025 CSR Budget utilization Major CSR Initiatives during Q2FY26 Sr. No. Circles / Departments SBI Foundation 1 Circles 2 National / CC / Misc 3 SBI RSETIs 4 Total CSR Expenditure Other CSR 8% Sports 1% Livelihood Initiatives 6% Healthcare & Sanitation 36% CSR Spends of ₹ 365.46 crores up to H1FY26 Budget Utilization ➢ Tree Plantation activities have been organized across the country ₹ in Crores 300.00 64.48 0.98 0.00 365.46 460.00 174.00 46.10 28.91 709.01 Culture 2% resulting in 2,82,276 trees planted. ➢ Financial assistance for Relief and Rehabilitation of people affected by Flashflood at Dharali & Harsil in Uttarakhand State. ➢ Distribution of 60,000 Re