SBIN

The Listing Department, The Listing Department, BSE Limited, National Stock Exchange of India Limited, Phiroje Jeejeebhoy Towers, Exchange Plaza, 5th Floor, C / 1, ‘G’ Block, 25th Floor, Dalal Street, Bandra Kurla Complex, Bandra (East), Mumbai – 400001 Mumbai – 400051 BSE SCRIP Code: 500112 NSE SCRIP Code: SBIN CC/S&B/AND/2026-27/347 07.08.2026 Madam / Sir, Presentation on Financial Results for the quarter ended 30.06.2026 ln compliance with the provisions of Regulation 30 read with Clause 15 of Para A Part A of Schedule III to 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 30.06.2026. The analyst presentation is available on the website of the Bank under the link: https://sbi.bank.in/web/investor-relations/analyst-presentation Yours faithfully, (Aruna N. Dak) DGM (Compliance & Company Secretary) Encl: A/a Quarterly Results Q1FY27 A N A L Y S T P R E S E N T A T I O N 0 7 . 0 8 . 2 0 2 6 Safe Harbor Certain statements in these slides are 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. Table of Contents Executive Performance Financial Capital Summary Highlights Performance Adequacy 04-06 07-17 18-24 25-26 04-06 07-17 18-24 25-26 Subsidiaries, Group Asset Digital Banking with a Financials & Quality Journey Purpose Balance Sheet 27-30 31-35 36-39 40-46 27-30 31-35 36-39 40-46 3 SBI delivers Strong & Sustainable Performance As on Jun 26, Q1FY27 Profitability Business Growth Asset Quality ₹21,121 Cr 10.23% YoY Net Profit Gross Advances Deposits ₹50 Trillion ₹60 Trillion 1.47% 0.38% ₹33,529 Cr 9.77% YoY Gross NPA Net NPA Operating Profit 18.63% YoY 9.73% YoY 1.11% 17.87% YoY YoY RoA RoE 0.27% 74.20% SME 22.33% SB 10.27% Credit Cost PCR 2.86% 3.00% Agri 25.43% NIM (Whole Bank) NIM (Domestic) Retail TD 14.39% Domestic NIM ▲ 7 bps over Retail Per 15.15% Lowest NPA Ratios in 2+ Q4FY26 decades 5 Strong Foundations, Building a Future-Ready SBI Balance Sheet Size (₹ Trillion) Domestic CD Ratio (%) Digital Leadership 74.23 76.23 76.62 73.08 67.69 68.88 98.8% No. 1 transactions in Debit card through alternate spends, ATMs, channels value & no. of Jun 25 Mar 26 Jun 26 Jun 25 Mar 26 Jun 26 Mobile Banking transactions CRAR (%) LCR (%) 10.5 Cr 5+ Cr 15.67 15.40 136.67 Registered Registrations on 14.63 customers on New YONO YONO 126.05 124.32 Shaping the future Jun 25 Mar 26 Jun 26 Jun 25 Mar 26 Jun 26 6 Key indicators Quarter Ended ₹ in Crores YoY Growth Q1FY26 Q1FY27 CASA 9.30% YoY RAM 18.20% YoY Net Interest Income 40,907 46,992 14.88% Deposits Advances Net Interest Margin – Whole Bank (%) 2.89 2.86 -3 bps 6 6 9 Profit & 2 9 L (₹ o i s n s C rores) Net Interest Margin – Domestic (%) 3.01 3.00 -1 bp 7 2 5 ,8 9 ,0 6 ,2 2 1 4 2 ,5 5 ,8 2 6 ,6 Operating Profit 30,544 33,529 9.77% ,0 1 2 ,4 2 Net Profit 19,160 21,121 10.23% Gross Advances 42,54,516 50,47,222 18.63% Balance Jun 25 Jun 26 Jun 25 Jun 26 Sheet (₹ in Crores) Total Deposits 54,73,254 60,05,805 9.73% Retail Term 14.39% YoY Corporate 18.05% YoY Credit Cost 0.47 0.27 -20 bps Deposits Advances Gross NPA 1.83 1.47 -36 bps 6 8 2 5 5 K (in e % y ) Ratios Net NPA 0.47 0.38 -9 bps 0 0 7 ,5 ,4 1 ,6 2 0 3 4 ,3 0 6 ,0 2 ,4 1 PCR (Incl. AUCA) 91.71 91.82 11 bps 8 ,2 ,2 1 2 PCR 74.49 74.20 -29 bps Capital Adequacy 14.63 15.67 104 bps Jun 25 Jun 26 Jun 25 Jun 26 8 Credit growth ₹ in Crores Share of Domestic Advances as on Jun 26 YoY Segment Jun 25 Jun 26 Growth (%) Retail Personal 15,39,878 17,73,147 15.15 Per, 41.46% Agri 3,48,267 4,36,820 25.43 42.50 Retail PCeorrporate, 33.22% SME 5,28,095 6,46,030 22.33 Corporate 12,03,430 14,20,652 18.05 Agri, 10.21% 9.30 Agri Domestic Advances 36,19,671 42,76,648 18.15 AGRI 35.00 Corporate 13.20 Corporate SME, 15.11% Foreign Offices Advances 6,34,845 7,70,574 21.38 SME SME Total Whole Bank 42,54,516 50,47,222 18.63 Advances 66.78 RAM Portfolio Share: % 9 Credit growth - Retail Personal Banking As on Jun 2026 Retail Personal Portfolio of 3 - year CAGR at Jun 26 Leadership across all 17.7 14 41.5 segments ~₹ lakh crore ~ % ~ % of Dom. Adv. O/S, ₹ in crores YoY Growth, % GNPA, % Composition of Retail Personal Advances (in%) Home Loans 9,59,369 12.75 0.60 Xpress Credit 3,75,348 8.25 1.15 54.11 Auto Loans 1,36,556 7.44 0.49 Home Loans Xpress Credit 21.17 Personal Gold 1,25,406 97.54 0.06 Auto Loans Loans 7.70 Personal Gold Loans 7.07 Other P Seg Loans 1,76,468 16.34 0.59 9.95 Other P Seg Loans Jun 26 10 Performance Financial Capital Adequacy Digital Banking with a Credit growth - Diversified Loan Portfolio Highlights Performance & Asset Quality Journey Purpose Diversified and well distributed across sectors High quality asset book (₹ in Crores) Corporate Rating mix (%) Outstanding as on 30th Jun 26 Fund Based O/S Sectors Amount % Share YoY Gr % Infrastructure 4,03,690 9.44 7.53 of which: Power 2,55,044 5.96 24.04 Telecommunication 20,113 0.47 -19.89 45 Roads & Ports 85,128 1.99 -17.21 40 Other Infrastructure 43,406 1.01 3.65 Services 6,11,953 14.31 22.45 Iron & Steel 80,207 1.88 22.28 Aviation & Airports 25,998 0.61 3.20 29 Tourism & Hotels 10,978 0.26 19.88 28 Textiles 40,884 0.96 4.08 Petroleum & Petrochemicals 1,04,116 2.43 49.25 Engineering 62,881 1.47 64.56 Comm. Real Estate 83,786 1.96 20.11 16 15 Other Industries 6,42,190 15.02 19.05 Home Loans 9,59,369 22.43 12.75 8 Auto Loans 1,36,556 3.19 7.44 7 7 5 Other Retail Loans 6,77,222 15.84 20.52 Agriculture 4,36,820 10.21 25.43 Jun 25 Jun 26 Total Domestic Advances 42,76,648 100.00 18.15 AAA AA A BBB BB & AAA AA A BBB BB & below below ~41% share to PSUs / Govt. Depts. as on Jun 26 11 Performance Financial Capital Adequacy Digital Banking with a Credit growth – International Banking Highlights Performance & Asset Quality Journey Purpose Gross Advances: 21.38% YoY growth Break up of Loan Portfolio (%) ₹ in Crores Highlights: 7,70,574 7,42,941 • Consistent Quarter on Quarter growth in 6,93,332 6,76,635 6,34,845 29.8 Local Lending 33.2 customer credit. India Linked Loans • Gross advances have grown by 21.38% on YoY basis (in Dollar terms YoY growth of 37.0 Trade Finance 9.97%). External Commercial Borrowings, Local Credit and Trade Finance business are Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 major drivers of customer credit. Asset Quality: NPAs Contained Loan Portfolio across Geographies (%) • Growth in customer credit is majorly GNPA (%) contributed by US Ops, London, GIFT City, USA (24%) UK (18%) 3 6 Middle East and East Asia region branches. 4 24 GIFT City (India) (11%) Hong Kong (10%) 5 • Gross NPA ratio is down by 7 bps on YoY 6 UAE (7%) Bahrain (6%) basis and showing declining trend, underlining 6 Singapore (6%) Japan (5%) 0.19 0.19 7 18 high quality of assets booked. 0.15 0.13 Germany (4%) Sydney (3%) 0.12 10 11 Others (6%) Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 12 Deposit growth ₹ in Crores YoY Growth Particulars Jun 25 Jun 26 Share of Domestic Deposits as on Jun 26 (%) Current Account Deposits (CA) 3,21,714 3,34,649 4.02 SA, 33.43% Saving Bank Deposits (SA) 17,46,813 19,26,277 10.27 CASA Deposits 20,68,527 22,60,926 9.30 TD, 60.76% Term Deposits (TD) 31,86,346 35,00,427 9.86 Domestic Deposits 52,54,873 57,61,353 9.64 CA, 5.81% Foreign Offices Deposits 2,18,381 2,44,452 11.94 Total Deposits 54,73,254 60,05,805 9.73 39.24 CASA: % 13 Margins, Yield & Cost (Cumulative) Net Interest Margins (%) Yield on Investments (%) Domestic 3.01 3.04 3.06 3.03 3.00 7.13 Whole Bank 7.08 7.04 7.01 2.89 2.92 2.94 2.91 2.86 6.93 Domestic Foreign Offices 1.93 1.99 1.97 1.93 1.74 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Yield on Advances (%) Cost of Deposits (%) 5.21 5.13 5.07 5.04 8.78 8.68 8.61 8.50 Domestic 4.85 Domestic 8.20 Foreign Offices Foreign Offices 3.87 3.85 3.84 3.78 5.09 5.06 4.98 4.82 3.52 4.46 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 14 Non-interest income ₹ in Crores Components of Fee Income Fee Income Loan Processing Commission on CVE Income Commission on Charges Government Business LC / BG 9,476 2,114 1,578 1,140 7,843 1,010 887 888 1,325 1,050 % % % % 3 % 8 1 4 0 .0 2 5 .9 5 3 .0 5 8 .2 1 9 0 .0 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Other Non-interest Income components Profit / Loss on Sale / Forex / Derivatives Income Recovery from AUCA accounts Revaluation of Investments 1,632 1,478 6,326 1,229 4,319 % % % 3 7 9 7 5 2 .1 497 .9 .0 3 6 2 - - Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 15 Performance Financial Capital Adequacy Digital Banking with a Treasury Operations Highlights Performance & Asset Quality Journey Purpose ₹ in Crores Yield on Investments (%) Break up of Domestic Investments as on Jun 26 (%) InvestmentBook Jun 25 Jun 26 7.13 6.93 0.99 8.97 0.69 Domestic Investments 16,18,756 17,27,352 HTM - of which SLR 13,37,291 14,76,625 14.54 AFS FVTPL-HFT Foreign Offices Investments 72,658 83,745 FVTPL-NHFT s p b Total InvestmentsBook 16,91,414 18,11,097 A&S 0 2 74.81 - Q1FY26 Q1FY27 AFS Book (%) Jun 2025 Jun 2026 7 34 5 5 36 Modified Duration Modified Duration 7 2.27 2.78 1 8 46 51 16 Operating expenses Focus continues on improving income streams with control on costs Operating Expenses Cost to Income Ratio (%) Q1FY26 (%) Q1FY27 (%) 54.00 49.42 47.71 46.71 39.4 40.7 49.00 44.00 15.9 14.4 39.00 34.00 29.00 44.7 44.9 24.00 Q1FY25 Q1FY26 Q1FY27 Cost to Average Assets (%) Overheads to Operating Income (%) Staff Expenses to Operating Income (%) 49.42 47.71 46.71 1.8 1.67 1.66 1.7 1.54 19.84 18.79 19.01 1.6 1.5 1.4 1.3 29.58 28.93 27.70 1.2 1.1 1 Q1FY25 Q1FY26 Q1FY27 Q1FY25 Q1FY26 Q1FY27 17 Financials – at a glance Quarter Ended Growth (%) Particulars (₹ in Crores) Q1FY27 Q1FY27 Q1FY26 Q4FY26 Q1FY27 over over Q4FY26 Q1FY26 Interest Income 1,17,830 1,23,098 1,27,896 3.90 8.54 Interest Expenses 76,923 78,718 80,904 2.78 5.17 Net Interest Income 40,907 44,380 46,992 5.89 14.88 Non Interest Income 17,511 17,314 15,923 -8.04 -9.07 Operating Income 58,418 61,694 62,915 1.98 7.70 Operating Expenses 27,874 33,990 29,386 -13.55 5.43 Operating Profit 30,544 27,704 33,529 21.03 9.77 Total Provisions 11,384 8,020 12,408 54.70 8.99 Net Profit 19,160 19,684 21,121 7.30 10.23 NIM (Whole Bank) (%) 2.89 2.81 2.86 5 bps -3 bps NIM (Domestic) (%) 3.01 2.93 3.00 7 bps -1 bp Cost to Income Ratio (%) 47.71 55.09 46.71 -838 bps -100 bps Cost to Assets (%) 1.66 1.84 1.54 -30 bps -12 bps 19 Total income Quarter Ended Growth (%) Particulars (₹ in Crores) Q1FY27 Q1FY27 Q1FY26 Q4FY26 Q1FY27 over over Q4FY26 Q1FY26 Interest on Loans 85,438 89,370 94,011 5.19 10.03 Interest on Resources 29,598 29,845 30,922 3.61 4.47 Other Interest Income 2,795 3,883 2,963 -23.69 6.03 Total Interest Income 1,17,830 1,23,098 1,27,896 3.90 8.54 Fee Income 7,843 10,852 9,476 -12.68 20.83 Profit / Loss on Sale / Revaluation of Investments 6,326 -1,471 4,319 393.63 -31.73 Forex / Derivatives Income 1,632 1,258 497 -60.54 -69.57 Misc. Income 1,711 6,675 1,631 -75.57 -4.67 Total Non Interest Income 17,511 17,314 15,923 -8.04 -9.07 Total Income 1,35,342 1,40,412 1,43,819 2.43 6.26 20 Fee income break up Quarter Ended Growth (%) Particulars (₹ in Crores) Q1FY27 Q1FY27 Q1FY26 Q4FY26 Q1FY27 over over Q4FY26 Q1FY26 Loan Processing Charges 1,325 3,055 2,114 -30.80 59.51 Commission on Govt. Business 1,050 1,417 1,578 11.35 50.34 Commission on LC/BG 887 907 888 -2.10 0.09 CVE Income 1,010 1,379 1,140 -17.35 12.80 Remittance, Collection, etc. 1,502 2,345 1,768 -24.61 17.72 Misc. Fee Income 2,068 1,748 1,988 13.73 -3.87 Fee Income 7,843 10,852 9,476 -12.68 20.83 21 Total expenses Quarter Ended Growth (%) Particulars (₹ in Crores) Q1FY27 Q1FY27 Q1FY26 Q4FY26 Q1FY27 over over Q4FY26 Q1FY26 Interest on Deposits 69,036 69,721 71,119 2.01 3.02 Interest on Borrowings 4,477 5,684 6,442 13.35 43.89 Other Interest Paid 3,410 3,314 3,343 0.88 -1.99 Total Interest Expenses 76,923 78,718 80,904 2.78 5.17 Salary 12,470 12,860 13,182 2.50 5.71 Provisions for Employees 4,430 3,355 4,242 26.43 -4.24 Staff Expenses 16,900 16,215 17,424 7.45 3.10 Overheads 10,974 17,775 11,962 -32.70 9.00 Operating Expenses 27,874 33,990 29,386 -13.55 5.43 Total Expenses 1,04,797 1,12,708 1,10,290 -2.15 5.24 22 Overheads Quarter Ended Growth (%) Particulars (₹ in Crores) Q1FY27 Q1FY27 Q1FY26 Q4FY26 Q1FY27 over over Q4FY26 Q1FY26 Rent, Taxes & Lighting 1,389 1,906 1,470 -22.86 5.87 Depreciation 959 1,179 1,189 0.86 23.96 Printing & Stationery 219 284 215 -24.19 -1.51 Postage & Telecommunications 140 270 183 -32.16 31.23 Repairs & Maintenance to Bank's Property 289 402 286 -28.86 -1.17 Travelling & Halting 386 539 419 -22.21 8.54 Business Acquisition & Development Expenses 972 2,346 1,354 -42.31 39.32 ATM / CDM / Debit Card / Other Expenses 2,280 3,074 2,737 -10.96 20.04 Misc. Expenses 4,341 7,774 4,108 -47.16 -5.35 Overheads 10,974 17,775 11,962 -32.70 9.00 23 Provisions & profit Quarter Ended Growth (%) Particulars (₹ in Crores) Q1FY27 Q1FY27 Q1FY26 Q4FY26 Q1FY27 over over Q4FY26 Q1FY26 Operating Profit 30,544 27,704 33,529 21.03 9.77 Loan Loss 4,934 3,140 3,359 6.96 -31.92 Standard Assets -319 -11 477 Investment Depreciation -48 109 -58 Other Provisions 192 -366 1,269 560.18 Income Tax 6,625 5,148 7,361 42.98 11.12 Total Provisions 11,384 8,020 12,408 54.70 8.99 Net Profit 19,160 19,684 21,121 7.30 10.23 Ratios (Annualized) Q1FY26 Q4FY26 Q1FY27 ROA (%) 1.14 1.07 1.11 ROE (%) 19.70 17.87 Earning Per Share (₹) 86.11 86.48 91.78 24 Strong Capital Buffers Capital Ratios (%) RWA to Total Assets (%) 15.67 15.40 14.63 53.01 1.77 52.56 2.07 51.98 2.18 1.01 1.04 12.30 1.35 Jun 25 Mar 26 Jun 26 8.80 12.89 Credit Risk Weighted Assets on Advances to Gross Advances (%) 12.29 11.10 56.02 54.31 53.33 Jun 25 Mar 26 Jun 26 CET-1 AT-1 Tier-2 Min regulatory Min regulatory CET-1 ratio Total Capital ratio Jun 25 Mar 26 Jun 26 26 Asset quality (1/3) Cumulative for the Period (%) Gross NPA (₹ Crores) Gross NPA Ratio Net NPA (₹ Crores) Net NPA Ratio Slippage Ratio 1.83 1.90 82,000 0.50 0.47 25,000 1.80 1.73 24,000 0.75 80,000 0.45 0.42 23,000 1.70 78,040 1.57 0.39 0.39 0.38 22,000 0.60 0.57 1.60 1.49 78,000 0.40 0.54 0.54 1.47 76,243 21,000 19,908 1.50 76,000 0.35 19,158 20,000 18,830 1.40 74,272 18,460 73,637 73,452 18,012 19,000 1.30 74,000 0.30 18,000 1.20 17,000 72,000 0.25 1.10 16,000 1.00 70,000 0.20 15,000 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Provision Coverage Ratio Provision Coverage Ratio (incl. AUCA) Credit Cost 0.47 75.79 0.43 75.54 0.39 92.29 92.37 0.37 74.49 74.36 74.20 91.71 91.97 91.82 0.27 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 28 Asset quality (2/3) ₹ in Crores Movement of NPAs: Q1FY26 Q2FY26 Q3FY26 Q4FY26 FY26 Q1FY27 Opening Level of Gross NPAs 76,880 78,040 76,243 73,637 76,880 73,452 Total Reductions 7,239 6,794 7,466 5,732 27,232 6,539 of which : Recovery + Upgradation 3,253 2,279 2,371 1,526 9,429 3,574 Gross Addition 8,398 4,998 4,860 5,548 23,804 7,359 of which : Increase in O/s 453 244 402 27 1,126 313 : Fresh Slippages 7,945 4,754 4,458 5,521 22,678 7,046 Net Increase 1,159 -1,797 -2,606 -184 -3,428 820 Closing Level of Gross NPAs 78,040 76,243 73,637 73,452 73,452 74,272 Jun 25 Mar 26 Jun 26 Segmental NPAs: NPA Ratio % NPA Ratio % NPA Ratio % Retail: 59,664 2.47 59,927 2.17 61,560 2.16 Agri. 30,297 8.70 30,228 7.25 30,729 7.03 Per Segment 11,985 0.78 11,389 0.66 11,910 0.67 SME 17,381 3.29 18,309 2.99 18,921 2.93 Corporate 17,157 1.43 12,590 0.88 11,784 0.83 International 1,219 0.19 936 0.13 928 0.12 Total 78,040 1.83 73,452 1.49 74,272 1.47 29 Asset quality (3/3) ₹ in Crores Slippages SMA 1 & SMA 2 Accounts with exposure above ₹ 5 crores: CRILC data SMA1 SMA2 22,678 20,818 5,025 4,174 3,870 2,097 3,762 3,350 1,687 1,666 932 1,992 7,945 7,046 5,521 4,754 2,928 4,458 2,417 2,487 2,204 1,769 FY25 FY26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 30 Accelerating digital agenda (1/2) Increasing digital adoption(%) Digital Leadership across channels 1% 1% 1% 1% 4% 3% Market share across channels Digital* (as per latest available data) 98.8 ATM & CDM % 23.65 31.04 29.40 24.83 Jun 25 Jun 26 BC Channel Share of Alternate % % % % Branch Channels Debit card spends ATMs Mobile Banking Mobile Banking 94% 95% No. of Transactions Transaction value * Digital comprises of Internet, Mobile, UPI & YONO and Green Channel With varied payment modes Customer touch points 1,729 25.14 25.32 Cr Cr % UPI Remit transactions Unique SBI UPI users Market share in (Numbers during Q1FY27) based on account nos. remittances Mobile Banking (Retail) (Cumulative till Jun 26) YONO Active INB Debit 25.57 9.0 26 9.0 Cr 10.5 Cr Customer 11.5 Cr 12.6 Cr Cr ~ Cr ~₹ K Cr (Registered cards Users) (Retail) Debit Cards Debit Card spend Debit Card spend (Numbers as on 30th transactions (Amount during Q1FY27) Jun 26) (Numbers during Q1FY27) YONO No. of BC Lite 2.7 Cr 2.6 Cr 76.8 K 79.6 K ATM 1 Outlets ~ Cr (Registered Users) ATM transactions per day Unique Number Payment acceptance touch points SBI UPI 21.2 Cr 25.1Cr of ATMs 62.2 K 65.2 K (Users) 60.46 17.4 10.7 10.4 L L L L BHIM SBI Pay SBI POS BHIM-Aadhar- Bharat QR QR Codes SBI Jun 25 Jun 26 Jun 25 Jun 26 32 Accelerating digital agenda (2/2) YONO: Driving digital agenda of the Bank (All data for Q1FY27) YONO Registration (# Lakh) 49.04 1.39 (Numbers) L Cr Whatsapp Banking YONO Registration Registration 49.04 ~54 K 0.64 8.57 L Cr 79.2% Daily Average YONO Digital Loans Disbursed Fund Transfer Registrations in Q1FY27 27.36 Digital Banking 27.1 L 74.3 L 0.4 L 0.49 L Create seamless omni- SB accounts YONO Cash NPS Accounts PPF Accounts Q1FY26 Q1FY27 channel customer opened Opened opened experience (Numbers) Fund Transfer (# Crore) CVE 18.8 L 24.8 K 2.7 L ₹ 5.2 K Cr 51% 8.57 Provide one-stop shop for Personal Accident e-Shield Insta Approved Mutual Funds ~10 L all financial needs Insurance (Life Insurance) Credit Cards Gross Sales* (Numbers/Amount*) 5.68 Daily Average number of Fund Transfer in Q1FY27 e2e Digital Loans ₹ 1,314 Cr ₹ 685 Cr ₹ 147 Cr ₹ 91 Cr (Disbursement Amt.) PAPL Real Time Personal Insta Home Top Loan against Quick Personal Loans on Loan Up Loan Mutual Funds the go! (Amount) Q1FY26 Q1FY27 33 Analytics, AI & ML Generative and Agentic AI Initiatives Advances Through Analytical Leads (₹ in Crores) 1,80,518 Early Review of Sanction 1,37,357 1,24,268 34.1% YoY • Applies vetting of loans sanctioned by various committees against the Growth 1,04,139 bank’s internal checking process. 65,912 • Summarizes the vetting report using Gen AI to provide a holistic and 44,759 concise view for reviewers. 33,377 FY22 FY23 FY24 FY25 FY26 Q1 FY26 Q1 FY27 Cheque Processing Workflow • GenAI integrated with the Bank's Cheque Processing System to validate fields such as amount, date, etc. Digital Loans (₹ in Crores) in Q1FY27 ₹ 3,381 Cr • Uses Vision Language Model and specialized model to understand handwriting. PPAAPPLL PPAABBLL Retail Loans CVE • Checks date validity, presence of signature, amount; reduces TAT ₹₹ 11,,331164 CCrr ₹₹ 11,,114433 CCrr ₹ 22,396 Cr Commission while ensuring due checks for processing cheques up to ₹10,000. (fee) IInnssttaa HHoommee ₹ 46 Cr RTXC SMEBU TToopp uupp ₹ 685 Cr ₹ 8,928 Cr ₹₹ 114477 CCrr Yono Ji Chatbot on Yono Business REHBU PPAASSBBLL ₹ 2,041 Cr • Customer-facing chatbot offering instant, contextualised responses ABU ₹₹ 9922 CCrr across Yono Business and related projects using Agentic AI ₹ 11,395 Cr • Uses Agentic AI Integrated into Yono Business Web and App portals Note: All Figures are for Q1FY27 – Apr 26 to Jun 26 34 Strategic Initiative: Project SARAL Impacts all Stakeholders Project SARAL: High-Impact initiatives Colleagues Customer Experience SARAL Customer Benefits Employee Benefits • Simpler journeys, Faster TAT Initiative • Employee Productivity • Customer Satisfaction • Reduction in branch footfall ✓ Reduced manual effort ✓ Seamless digital & self- Simplified and data entry with better service journeys KYC compliance 4Cs to address all ✓ Enhanced branch ✓ More time to focus on stakeholders Improved experience with immediate Seva Sarathi business and relationship Cost & Efficiency controls assistance management (Shareholders) (Resilience) ✓ Timely notifications with • OpEx Reduction • Manual hand-offs reduction Pro-active ✓ Lower branch footfall for personalized and • High level of reusability • Service uptime Enhancement Servicing routine requests contextual nudges ✓ 24*7 access to banking Simplified ✓ Improved efficiency with New Definition 3Es: "Transaction to Transformation" services with simplified WhatsApp reduced workload for and intuitive journeys Banking routine requests Engagement • Simple and Interactive Banking ✓ Digitally enabled Banking • Omni Channel Experience ✓ Better delinquent portfolio engagement offering Reimagined mgmt. with more time for convenient & proactive Collections business & relationship Empowerment • Employee enablement/ Eliminating Redundancy interactions • Scope for leveraging the Franchisee Banking Home Non- ✓ Continued customer ✓ Access to services from Home Branch relationship with faster Evolution • Automation – Agility with AI and ML any branch Convergence disposal of requests Banking • Compliance & Control Oriented Operations 35 Financial Inclusion No. of BC outlets Transactions in BC Channel Deposits in FI Accounts Market Leader Social Security Schemes (Share in %) (As on 30th Jun 2026) 1,40,000 15.52 14.54 79,557 4,686 5,200 Total Market Share Market Share among PSBs 76,812 1,80,000 1,20,000 4,167 4,700 Transaction 1,00,000 87,095 4,200 34.67 45.53 Deposits 1,09,228 1,10,285 Amount 75,672 1,20,000 80,000 3,700 (₹ in Cr) (₹ in Cr) 29.59 38.61 3,200 No. of 60,000 % Average Transactions 0 2,700 Balance (₹) 26.78 34.69 60,000 (in Cr) 40,000 1 .5 2,200 1 20,000 1,700 22.17 31.98 - 1 - 1,200 Jun 25 Jun 26 Q1FY26 Q1FY27 Jun 25 Jun 26 PMJJBY PMSBY PMJDY APY Performance under Social Security Schemes New Initiatives at CSP outlets: Cumulativeno. in crores Jun 25 Jun 26 APY 1.79 2.06 ❖ Sourcing of Mudra Loan through Jan PMJJBY 7.32 8.29 Samarth Portal has been launched. PMSBY 14.92 16.26 PMJDY 15.21 15.70 ❖ Mobile based touch point “CSP lite” has been launched for scaling up the number Improvement in Ease of Banking of BC touch points. Jun 25 Jun 26 ❖ Redesigned passbook for FI customer Passbook Printers installed at CSPs 34,507 37,229 with full printing at CSP itself launched. % Share of Passbooks printed at CSPs 25.12 23.70 37 Sustainability Highlights Financial Capital Natural Capital Social Capital Human Capital ₹ 1,94,759 crores (Fund based) ₹ 21,121 crores ₹ 24 crores 2,47,281 ₹ 21,667 crores (Non-Fund based) Net Profit in Q1FY27 CSR Spend during Q1FY27 Total workforce* Sustainable Finance sanctioned portfolio >71 GW ₹ 50.47 lakh crore 79,557 28.7% Capacity of Renewable Energy financed Advances BC outlets* Women in workforce* Portfolio 24,860 ₹ 60.06 lakh crore >50 MWp 6,148 Candidates trained through RSETIs Deposits Captive RE Capacity* Persons with Disabilities / Divyang* during Q1FY27 98.8% 100% 126 56,415 Share of transactions through Alternate All permanent Employees covered under Green Building Certifications* Trees planted during Q1FY27 Channels medical benefits * indicates values that are cumulative in nature i.e. up to 30.06.2026 38 Contributing to Society Status of CSR activities as on 30.06.2026 CSR Budget allocation for FY27 Major CSR Initiatives during Q1FY27 ₹ in Crores Entity Budget Allocation • CSR donation of ₹76.80 lakh for distribution of 128 laptops to SC/ST and underprivileged students in Bhopal. Circles 215.00 SBI Foundation 520.00 • CSR donation of ₹60.84 lakh for installation of 71 water cooler with RO RSETIs 34.37 systems, 284 white boards and 71 sanitary vending machines with incinerator to 71 Govt. schools of Munger District, Bihar. National & Misc. 30.95 Total 800.32 • CSR support of ₹61.95 lakh for distribution of 1,000 sewing machines for employment generation for women empowerment in Virudhunagar, Ramanathapuram, Chennai, Coimbatore, Trichy and Salem district in Tamil CSR Spends Breakup (excl. SBI Foundation) Nadu. Other CSR Cultural 4% Heritage CSR • CSR donation of ₹72.00 lakh for rejuvenation of Mahadevapura tank in Kudligi Livelihood 0.33% Spends of taluk, Karnataka under Amrut Sarovar Yojna. 2% Education ₹ 24.05 27% crore in • CSR support to Sankara Nethralaya (Medical Research Foundation) of Q1FY27 ₹100.00 lakh for construction of 5 consultation rooms for their project at Tondiarpet, Chennai under project Agastya. Healthcare & Sanitation • CSR support of ₹35.85 lakh to Yuva Sathi Foundation for establishment of 37% vocational training centre at Bilaspur, Chhattisgarh. Empowerment of Women & Senior Citizen • CSR donation of ₹24 lakh for procurement of 41-seater bus, for providing free 4% travel to differently abled, senior citizens, women & children to Basara Gnana Saraswathi Devasthanam in Telangana. Green Envirionment 26% 39 Subsidiaries, Group Financials & Balance Sheet SBI and its subsidiaries – leveraging synergies (1/3) As on Jun 2026 Listed Subsidiaries Subsidiaries - listed SBI Stake (in %) Q1FY27 - PAT (₹ in Crores) Q1FY27 - RoE (in %) SBI Card 68.58 664 16.50 SBI Life 55.32 725 14.80 Key Unlisted Subsidiaries Subsidiaries - unlisted SBI Stake (in %) Q1FY27 - PAT (₹ in Crores) Q1FY27 - RoE (in %) SBI Funds Management* 61.86 873 55.06 SBI General Insurance 73.87 166 12.62 SBI Capital Markets Group 100 193 12.41 SBI Payments Services 74 55 15.09 SBI SG Global Securities 65 43 21.62 * Post divestment of 6.3007% stake by SBI through IPO during July 2026, SBI’s stake stands at 55.56% as on date. Subsidiary numbers are as published by respective subsidiaries 41 SBI and its subsidiaries – leveraging synergies (2/3) As on Jun 2026 ₹ in Crores Q1FY26 Q1FY27 Q1FY26 Q1FY27 PAT (₹ in Crores) 594 725 PAT (₹ in Crores) * 556 664 ROE (in %) 13.7 14.8 ROE (in %) 15.8 16.5 **AAss ppeerr IInndd AASS,, wwiitthhoouutt OOCCII Individual Rated Gross Written Value of New CIF (In Lakhs) Spends Receivables Premium Premium Business 3 4 4 , , , 8 0 2 0 0 0 0 0 0 3,469 3,972 2 2 0 5 , , 0 0 0 0 0 0 17,814 21,290 1 1 , , 4 6 0 0 0 0 1,088 1,408 2 2 0 5 0 0 212 226 1 1 , , 2 4 0 0 , , 0 0 0 0 0 0 93,244 1,18,475 63,000 56,607 58,269 3,600 1,200 1,00,000 58,000 3 3 , , 2 4 0 0 0 0 % 15,000 % 1, 8 0 0 0 0 0 %% 150 80,000 % 4 5 8 3 , , 0 0 0 0 0 0 2 2 3 , , , 6 8 0 0 0 0 0 0 0 4 1 1 5 0 , , 0 0 0 0 0 0 0 2 4 6 0 0 0 0 9 2 2 1 1 5 0 0 0 % 7 4 6 0 0 , , 0 0 0 0 0 0 7 2 3 4 8 3 , , 0 0 0 0 0 0 % 3 2,400 200 20,000 33,000 2,200 0 0 0 0 28,000 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Market Share Business Performance Market Share Portfolio Profitability • New Business Premium grew by 23% and • Private market leadership in New Business stands at ₹8,908 Crores • #2 player in Cards and #2 • ▲ 7% YoY in cards, • During Q1FY27 Revenue Premium, Individual New Business Premium, • Renewal Premium stands at ₹12,382 Crores; in Spends • ▲ 27% YoY in spends from Operations grew 3% growth of 17% Individual Rated New Business Premium and • Cards-in-force as of Jun 26 • ▲ 3% YoY in receivables • PAT grew by 22% YoY and stands at ₹725 YoY, PAT at ₹664 Crores Total Rated New Business Premium, with Crores 18.6% (Jun 25, 19.1%), grew by 19% YOY. • Robust solvency ratio of 1.96 • Spends in Q1FY27 19.5%, private market share of 20.5%, 24.9%, 22.2% • Expenses ratio of 7.7% • During Q1FY27, ROA is at (Q1FY26 16.6%) and 21.5% respectively.. • VONB stands at ₹1,408 Crores (26.2%), with 3.9%, ROE is at 16.5% a growth of 29% YoY. VONB margin stands at 26.2% • CRAR is at 25.6%, Tier I is at • Assets under Management stands at 20.3%. ₹5,24,850 Crores; growth of 10% YoY • Embedded Value stands at ₹ 85,293 Crores; growth of 15% YoY. 42 SBI and its subsidiaries – leveraging synergies (3/3) As on Jun 2026 ₹ in Crores Q1FY26 Q1FY27 Q1FY26 Q1FY27 PAT (₹ in Crores)* 845 873 PAT (₹ in Crores) 188 166 ROE (in %)# 37.0 55.1 ROE (in %) 15.8 12.6 *As per Ind AS, without OCI #ROE has been recomputed on Average Networth Gross Written Premium AUM Performance Highlights • SBIFML has been the largest player in the market since Q4FY20. In Q1FY27, SBIMF has a quarterly 24,979 22,726 Average AUM of ₹12.61 Lakh Crore with a market share of 15.12%. 3,250 3,574 • The second largest player has a market share of 13.40%. SBIMF Quarterly average Mutual Fund AUM grew by ₹1.21 Lakh Crore from ₹11.40 Lakh Crore in Q1FY26 to ₹12.61 Lakh Crore in Q1FY27. %% % 04 0 11 1 Q1FY26 Q1FY27 Q1FY26 Q1FY27 Group Q1FY26 Q1FY27 PAT (₹ in Crores) 187 193 Performance Highlights ROE (in %)* 14.1 12.4 • Ranked 6th amongst the Private players in Q1FY27. * ROE is calculated without considering Fair value gain routed through OCI. • No. 1 player in Personal Accident segment amongst Private players. Performance Highlights • PA&SF Group: Ranked No.1 India Borrower Loans (Mandated Lead Arranger). Market share of 36.19% • SBI General posted GDP of ₹3,506 Crores at growth rate of 10.9% compared to Q1FY26. (FY26). • DCM: Ranked No.7 for Debt Private placement of bonds in Q1FY27 as per the Bloomberg league table. • ECM: Ranked No.1 in the Prime Database (by issue amount) for the issues done in Q1FY27. • SSL is ranked No.4 position in Bank led Broker and Digital penetration for new account acquisition is 99.4%. 43 Regional Rural Banks – Sponsored by SBI Performance Highlights – Q1FY27 9 RRBs operating in 9 States Network of 4,188 branches in 196 districts Deposits at ₹ 1,48,806 crores ▲ 8.85% YoY Gross NPA ▲ 1 bp YoY at 2.60% • • CASA ▼ 22 bps YoY at 52.43% Net Profit of ₹ 1,173 crores ▲ 49.99% YoY • • Gross Advances at ₹ 1,25,857 crores ▲ 12.68% YoY ROA ▲ 23 bps YoY at 2.29% • • CD Ratio ▲ 288 bps YoY at 84.58% PCR ▼ 144 bps YoY at 87.07% • • NIM ▲ 60 bps YoY at 4.09% ROE ▲ 507 bps YoY at 22.49% • • 44 SBI group financials – Q1FY27 Particulars (₹ in Crores) Quarter Ended Growth (%) Particulars Quarter Ended Q1FY26 Q1FY27 YoY Q1FY26 Q1FY27 Interest Earned 1,25,563 1,36,240 8.50 ROA (%) 1.15 1.15 Non-Interest Income 41,429 43,821 5.78 ROE (%) 19.68 18.63 Total Income 1,66,992 1,80,062 7.83 Earning Per Share (₹) 95.29 104.78 Interest Expended 78,266 82,248 5.09 Expenses Ratio (%) 47.37 46.48 Operating Expenses (i+ii) 54,233 59,183 9.13 NIM (%) 2.99 2.97 (i) Employee Cost 18,491 19,219 3.94 Gross NPA Ratio (%) 1.84 1.48 (ii) Other Operating Expenses 35,742 39,964 11.81 Net NPA Ratio (%) 0.47 0.38 Total Expenditure 1,32,499 1,41,430 6.74 Operating Profit 34,493 38,632 12.00 Provisions (other than Tax) 5,264 5,748 9.20 Add: Share in profit of 495 542 9.52 associates Less: Minority Interest 920 1,008 9.56 Tax Expenses 7,602 8,305 9.24 Net Profit 21,201 24,113 13.73 45 Balance sheet ₹ in Crores SBI SOLO SBI GROUP Liabilities Jun 25 Jun 26 YOY Growth (%) Jun 25 Jun 26 YOY Growth (%) Capital 892 923 3.43 892 923 3.43 Reserves and Surplus 4,69,302 5,65,908 20.58 5,19,583 6,21,017 19.52 Minority Interest 19,172 20,008 4.36 Deposits 54,73,254 60,05,805 9.73 55,34,314 60,73,777 9.75 Borrowings 5,37,749 7,68,854 42.98 5,86,170 8,20,334 39.95 Other Liabilities & Provisions 2,87,307 3,20,795 11.66 7,84,159 8,67,171 10.59 Total Liabilities 67,68,505 76,62,285 13.20 74,44,291 84,03,229 12.88 SBI SOLO SBI GROUP Assets Jun 25 Jun 26 YOY Growth (%) Jun 25 Jun 26 YOY Growth (%) Cash & balances with RBI 2,62,777 2,11,851 -19.38 2,62,965 2,12,013 -19.38 Bal with Banks & Money at Call and Short Notice 1,09,635 1,19,044 8.58 1,27,216 1,37,493 8.08 Investments 16,83,494 18,03,426 7.12 22,29,737 24,00,495 7.66 Net Advances 41,96,205 49,92,004 18.96 42,87,300 50,95,829 18.86 Fixed Assets 51,555 54,968 6.62 53,794 57,327 6.57 Other Assets 4,64,839 4,80,992 3.48 4,83,279 5,00,073 3.47 Total Assets 67,68,505 76,62,285 13.20 74,44,291 84,03,229 12.88 46