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

₹ 80,032 crore

ials & Balance Sheet Key trends in FY26 Net Profit Business Highest ever Annual Net Profit of ₹ 80,032 crores with a YoY growth of 12.88% Driven both by higher Net Interest Income & Non-Interest Income Tota

12.88%

FY26 Net Profit Business Highest ever Annual Net Profit of ₹ 80,032 crores with a YoY growth of 12.88% Driven both by higher Net Interest Income & Non-Interest Income Total Business crossed ₹ 109 Tril

₹ 109

of 12.88% Driven both by higher Net Interest Income & Non-Interest Income Total Business crossed ₹ 109 Trillion Deposits at ₹ 59.8 lakh crore; Advances at ₹ 49.3 lakh crore Credit growth Agri Portfoli

₹ 59.8 lakh crore

igher Net Interest Income & Non-Interest Income Total Business crossed ₹ 109 Trillion Deposits at ₹ 59.8 lakh crore; Advances at ₹ 49.3 lakh crore Credit growth Agri Portfolio crossed ₹ 4 lakh crore; Domestic cred

₹ 49.3 lakh crore

-Interest Income Total Business crossed ₹ 109 Trillion Deposits at ₹ 59.8 lakh crore; Advances at ₹ 49.3 lakh crore Credit growth Agri Portfolio crossed ₹ 4 lakh crore; Domestic credit to deposit ratio at 73.08%

₹ 4 lakh crore

Deposits at ₹ 59.8 lakh crore; Advances at ₹ 49.3 lakh crore Credit growth Agri Portfolio crossed ₹ 4 lakh crore; Domestic credit to deposit ratio at 73.08% Up 16.87% YoY; growth across business lines Liability

73.08%

kh crore Credit growth Agri Portfolio crossed ₹ 4 lakh crore; Domestic credit to deposit ratio at 73.08% Up 16.87% YoY; growth across business lines Liability franchise Savings Bank account balances up

16.87%

redit growth Agri Portfolio crossed ₹ 4 lakh crore; Domestic credit to deposit ratio at 73.08% Up 16.87% YoY; growth across business lines Liability franchise Savings Bank account balances up 10.60% YoY

10.60%

Up 16.87% YoY; growth across business lines Liability franchise Savings Bank account balances up 10.60% YoY Sustained domestic market share of over 22%, driven by reach, trust and digital Industry lead

22%

ity franchise Savings Bank account balances up 10.60% YoY Sustained domestic market share of over 22%, driven by reach, trust and digital Industry leading asset quality outcomes Contained credit cos

0.37%

ven by reach, trust and digital Industry leading asset quality outcomes Contained credit cost at 0.37% for the year, GNPA Ratio at 1.49%, NNPA Ratio at 0.39% GNPA & NNPA Ratios at two decadal low; Slipp

“of Transactions 22.06% Mobile Banking Transaction value Digital Leadership across channels Increasing digital adoption(%) 2% 1% 5% 1% 1% 4% Mar 25 Mar 26 92% 94% Digital* ATM & CDM BC Channel Branch 98.7% Share of Alternate Channels * Digital comprises of Internet, Mobile, UPI & YONO and Green Channel UPI 6,038 Cr 24.11 Cr 25.10% Remit transactions (Numbers during FY26) Unique SBI UPI users based on account nos.”

“of BC outlets Transactions in BC Channel Deposits in FI Accounts 77,251 79,134 Mar 25 Mar 26 6,00,000 5,40,000 4,80,000 4,20,000 3,60,000 3,00,000 2,40,000 1,80,000 1,20,000 60,000 - 86.06 4,96,530 66.22 4,27,112 FY25 FY26 20.00 Transaction Amount (₹ in Cr) No.”

“Fund based - ₹ 6,893 crores Non-Fund based - ₹ 1,080 crores Analyst Presentation FY26 46 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 31.03.2026 CSR Budget utilization Important CSR activities undertaken during the FY26 Sr.”

“Centre of Excellence (CoE) for Persons with Disabilities (PwD) In FY26, CoE for PwDs sanctioned 20 projects and ₹ 42 Crores.”

“SBIF Jivanam: Healthcare In FY26, Jivanam sanctioned 51 projects and ₹ 131 Crores.”

“• • On February 4, 2026, SBI Chairman Shri Challa Shreenivasulu Setty handed over the project grant cheque for SBIF Jivanam — Supporting Medical Equipment at Government General Hospital, Guntur, to the President of Ramky Foundation and Superintendent Dr.”

“• In FY26, CONSERW vertical sanctioned 23 projects and ₹ 82.69 Crores.”

“In FY26, SBI Gram Seva sanctioned 36 projects and ₹ 71.84 Crores.”

“Mallu Ravi formally launched ‘Gram Seva’ project in partnership with Bhavishya Bharat in Jogulamba Gadwal District, Telangana, on 20 January 2026.”

“SBIF ILM : Education SBIF ACE • In FY26, SBIF Integrated Learning Mission sanctioned 20 projects and ₹ 137.74 Crores.”

Highlights

1

Movement of NPAs

1

Retail

1

New Initiatives at CSP outlets

1

Finance activities

1

Green buildings

1

Pollution control and others

1

Highlights

• Consistent Quarter on Quarter growth in Mar 25 Jun 25 Sep 25 Dec 25 Mar 26 Asset Quality: NPAs Contained GNPA (%) Loan Portfolio across Geographies (%) 35.3 Trade Finance YoY basis (in Dollar terms YoY growth of 8.16%). External Commercial Borrowings, Local Credit and Trade Finance business are major drivers of customer credit. • Growth in customer credit is majorly 0.22 0.19 0.19 0.15 0.13 Mar 25 Jun 25 Sep 25 Dec 25 Mar 26 7 3 3 6 7 5 7 9 9 26 18 USA (26%) UK (18%) contributed by US Ops, GIFT City, Middle Hong Kong (9%) GIFT City (India) (9%) East and East Asia region branches. Bahrain (7%) UAE (7%) • Gross NPA ratio is down by 9 bps on YoY Singapore (6%) Japan (5%) Germany (3%) Sydney (3%) Others (7%) basis and showing declining trend, underlining high quality of assets booked. Analyst Presentation FY26 12 Executive Summary Performance Highlights Performance Financial Highlights Performance Financial Capital Adequacy Performance Capital Adequacy Asset Quality & Asset Quality Digit

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 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 Q2FY26 Q3FY26 Q4FY26 76,880 78,040 76,243 73,637 7,239 3,253 8,398 453 7,945 1,159 78,040 6,794 2,279 4,998 244 4,754 -1,797 76,243 7,466 2,371 4,860 402 4,458 -2,606 73,637 Mar 25 Dec 25 NPA Ratio % 57,057 29,389 11,132 16,536 18,450 1,373 76,880 2.42 8.43 0.74 3.27 1.49 0.22 1.82 NPA 59,318 29,975 11,266 18,077 13,256 1,063 73,637 Ratio % 2.23 7.64 0.68 3.01 0.99 0.15 1.57 ₹ in Crores FY26 76,880 27,232 9,429 23,804 1,126 22,678 -3,428 73,452 Ratio % 2.17 7.25 0.66 2.99 0.88 0.13 1.49 5,732 1,526 5,548 27 5,521 -184 73,452 Mar 26 NPA 59,927 30,228 11,389 18,309 12,590 936 73,452 Analyst Presentation FY26 33 Executive Summary Performance Highlights Financial Performance Capital Adequacy Capital Adequacy Asset Quality & Asset Quality Digital Journey Banking with a Purpose Subsidiaries, Group Financials & Balance Sh

New Initiatives at CSP outlets

Performance under Social Security Schemes APY PMJJBY PMSBY PMJDY Improvement in Ease of Banking Passbook Printers installed at CSPs % Share of Passbooks printed at CSPs 1.73 7.13 14.65 15.11 Mar 25 33,513 22.61 2.00 8.18 16.11 15.59 Mar 26 37,297 24.15 lakh accounts ❖ End to End digitalization of account opening through e-Sign eliminating paper. ❖ ~5.00 opened monthly saves 20 lakh sheets of paper, significantly reducing SBI’s carbon footprint. ❖ Implementation authentication transactions on android devices. face AePS of for Analyst Presentation FY26 44 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 ₹ 80,032 crores Net Profit in FY26 ₹ 49.33 lakh crore Advances ₹ 1,67,617 crores (Fund based) ₹ 21,408 crores (Non-Fund based) Sustainable Finance portfolio ₹ 709 crores C

Finance activities

Fund based - ₹ 1,67,617 crores Non-Fund based - ₹ 21,408 crores Out of which limit sanctioned for renewable energy projects: Fund based - ₹ 1,48,993 crores Non-Fund based - ₹ 18,358 crores Solar Power (Rooftop & ground mounted): Fund based - ₹ 93,642 crores Non-Fund based - ₹ 11,127 crores Wind Power, Biomass and others: Fund based - ₹ 41,715 crores Non-Fund based - ₹ 6,287 crores Small hydro / Hydro Power: Fund based - ₹ 13,636 crores Non-Fund based - ₹ 944 crores Sustainable Transportation (includes E-Car loan of ₹ 4,521 crores): Fund based - ₹ 9,739 crores Non-Fund based - ₹ 1,970 crores

Pollution control and others

Fund based - ₹ 6,893 crores Non-Fund based - ₹ 1,080 crores Analyst Presentation FY26 46 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 31.03.2026 CSR Budget utilization Important CSR activities undertaken during the FY26 Sr. No. Circles / Departments Budget Utilization ₹ in Crores 1 2 3 4 SBI Foundation Circles National / CC / Misc SBI RSETIs Total 460.00 174.00 46.10 28.91 709.01 495.96 174.51 10.96 27.58 709.01 CSR Expenditure Breakup (excl. SBI Foundation) War Veterans 6% Sports 2% Disaster Management 1% Education 29% Rural and Slum Area Development 17% Protection of National Heritage 1% Other CSR 2% Healthcare and Sanitation 30% Empowerment of Women and Sr Citizen 3% Environment 9% Sr. No. Activity 1. 2. 3. 4. 5. Upgrading Primary Schools Infrastructure Upgrading Infrastructure of Old-age h