Slides
Page 1
SBI Life Apne Liye . Apno Ke Liye . SBI The banker to every indian Quarterly Results Q1FY27 ANALYST PRESENTATION 07.08.2026 SBI Card SBI FUNDS MANAGEMENT LIMITED SBI ge SURAKSHA AUR BHAROSA DONO SBICAPS Complete Investment Banking Solutions
Page 2
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.
Page 3
Table of Contents Performance Highlights Financial Performance Capital Adequacy Asset Quality Digital Journey Banking with a Purpose 07-17 07-17 27-30 27-30 18-24 18-24 40-46 40-46 25-26 25-26 31-35 31-35 Executive Summary 04-06 04-06 Subsidiaries, Group Financials & Balance Sheet 36-39 36-39 3
Page 4
Executive Summary
Page 5
Domestic NIM ▲ 7 bps over Q4FY26 SBI delivers Strong & Sustainable Performance 5 Profitability ₹21,121 Cr Net Profit 10.23% YoY ₹33,529 Cr Operating Profit 9.77% YoY 1.11% RoA 17.87% RoE 2.86% NIM (Whole Bank) 3.00% NIM (Domestic) Business Growth Gross Advances ₹50 Trillion 18.63% YoY SME 22.33% Deposits ₹60 Trillion 9.73% YoY YoY Agri 25.43% Retail Per 15.15% YoY SB 10.27% Retail TD 14.39% Asset Quality Lowest NPA Ratios in 2+ decades 1.47% Gross NPA 0.38% Net NPA 0.27% Credit Cost 74.20% PCR As on Jun 26, Q1FY27
Page 6
Strong Foundations, Building a Future-Ready SBI 6 Digital Leadership Shaping the future 98.8% transactions through alternate channels No. 1 in Debit card spends, ATMs, value & no. of Mobile Banking transactions 10.5 Cr Registered customers on YONO 5+ Cr Registrations on New YONO 67.69 76.23 76.62 Jun 25 Mar 26 Jun 26 Balance Sheet Size (₹ Trillion) 68.88 73.08 74.23 Jun 25 Mar 26 Jun 26 Domestic CD Ratio (%) 136.67 124.32 126.05 Jun 25 Mar 26 Jun 26 LCR (%) 14.63 15.40 15.67 Jun 25 Mar 26 Jun 26 CRAR (%)
Page 7
Performance Highlights
Page 8
Quarter Ended YoY GrowthQ1FY26 Q1FY27 Profit & Loss (₹ in Crores) Net Interest Income 40,907 46,992 14.88% Net Interest Margin – Whole Bank (%) 2.89 2.86 -3 bps Net Interest Margin – Domestic (%) 3.01 3.00 -1 bp Operating Profit 30,544 33,529 9.77% Net Profit 19,160 21,121 10.23% Balance Sheet (₹ in Crores) Gross Advances 42,54,516 50,47,222 18.63% Total Deposits 54,73,254 60,05,805 9.73% Key Ratios (in %) Credit Cost 0.47 0.27 -20 bps Gross NPA 1.83 1.47 -36 bps Net NPA 0.47 0.38 -9 bps PCR (Incl. AUCA) 91.71 91.82 11 bps PCR 74.49 74.20 -29 bps Capital Adequacy 14.63 15.67 104 bps Key indicators 8 ₹ in Crores 20,68,527 22,60,926 Jun 25 Jun 26 9.30% YoYCASA Deposits 22,85,700 26,14,586 Jun 25 Jun 26 14.39% YoYRetail Term Deposits 24,16,241 28,55,996 Jun 25 Jun 26 18.20% YoYRAM Advances 12,03,430 14,20,652 Jun 25 Jun 26 18.05% YoYCorporate Advances
Page 9
Credit growth 9 42.50 9.30 35.00 13.20 SME Segment Jun 25 Jun 26 YoY Growth (%) Retail Personal 15,39,878 17,73,147 15.15 Agri 3,48,267 4,36,820 25.43 SME 5,28,095 6,46,030 22.33 Corporate 12,03,430 14,20,652 18.05 Domestic Advances 36,19,671 42,76,648 18.15 Foreign Offices Advances 6,34,845 7,70,574 21.38 Total Whole Bank Advances 42,54,516 50,47,222 18.63 AGRI Corporate Agri Retail Per Corporate SME ₹ in Crores SME, 15.11% Agri, 10.21% Per, 41.46% Corporate, 33.22% Share of Domestic Advances as on Jun 26 RAM Portfolio Share: 66.78%
Page 10
Credit growth - Retail Personal Banking 10 Leadership across all segments As on Jun 2026 Retail Personal Portfolio of ~₹17.7 lakh crore 3 - year CAGR at ~14% Jun 26 ~ 41.5% of Dom. Adv. 9,59,369 12.75 0.60 O/S, ₹ in crores YoY Growth, % GNPA, % 3,75,348 8.25 1.15 1,36,556 7.44 0.49 1,25,406 97.54 0.06 1,76,468 16.34 0.59 Home Loans Xpress Credit Auto Loans Personal Gold Loans Other P Seg Loans 9.95 7.07 7.70 21.17 54.11 Jun 26 Composition of Retail Personal Advances (in%) Home Loans Xpress Credit Auto Loans Personal Gold Loans Other P Seg Loans
Page 11
Corporate Rating mix (%) BBBAAA AAA ~41% share to PSUs / Govt. Depts. as on Jun 26 Performance Highlights Financial Performance Capital Adequacy & Asset Quality Digital Journey Banking with a PurposeCredit growth - Diversified Loan Portfolio 11 40 45 29 28 16 15 7 5 8 7 Jun 25 Jun 26 BB & below BBBAAA AAA BB & below Diversified and well distributed across sectors High quality asset book 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 Roads & Ports 85,128 1.99 -17.21 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 Tourism & Hotels 10,978 0.26 19.88 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 Other Industries 6,42,190 15.02 19.05 Home Loans 9,59,369 22.43 12.75 Auto Loans 1,36,556 3.19 7.44 Other Retail Loans 6,77,222 15.84 20.52 Agriculture 4,36,820 10.21 25.43 Total Domestic Advances 42,76,648 100.00 18.15 (₹ in Crores)
Page 12
Gross Advances: 21.38% YoY growth 6,34,845 6,76,635 6,93,332 7,42,941 7,70,574 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 ₹ in Crores Break up of Loan Portfolio (%) Loan Portfolio across Geographies (%)Asset Quality: NPAs Contained GNPA (%) 0.19 0.19 0.15 0.13 0.12 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Highlights: • Consistent Quarter on Quarter growth in customer credit. • Gross advances have grown by 21.38% on YoY basis (in Dollar terms YoY growth of 9.97%). 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, London, GIFT City, Middle East and East Asia region branches. • Gross NPA ratio is down by 7 bps on YoY basis and showing declining trend, underlining high quality of assets booked. Performance Highlights Financial Performance Capital Adequacy & Asset Quality Digital Journey Banking with a PurposeCredit growth – International Banking 12 33.2 37.0 29.8 Local Lending India Linked Loans Trade Finance 24 18 1110 7 6 6 5 4 3 6 USA (24%) UK (18%) GIFT City (India) (11%) Hong Kong (10%) UAE (7%) Bahrain (6%) Singapore (6%) Japan (5%) Germany (4%) Sydney (3%) Others (6%)
Page 13
Deposit growth 13 Particulars Jun 25 Jun 26 YoY Growth (%) Current Account Deposits (CA) 3,21,714 3,34,649 4.02 Saving Bank Deposits (SA) 17,46,813 19,26,277 10.27 CASA Deposits 20,68,527 22,60,926 9.30 Term Deposits (TD) 31,86,346 35,00,427 9.86 Domestic Deposits 52,54,873 57,61,353 9.64 Foreign Offices Deposits 2,18,381 2,44,452 11.94 Total Deposits 54,73,254 60,05,805 9.73 ₹ in Crores TD, 60.76% SA, 33.43% CA, 5.81% Share of Domestic Deposits as on Jun 26 CASA: 39.24%
Page 14
Margins, Yield & Cost (Cumulative) 3.01 3.04 3.06 3.03 3.00 2.89 2.92 2.94 2.91 2.86 1.93 1.99 1.97 1.93 1.74 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Net Interest Margins (%) Domestic Whole Bank Foreign Offices 8.78 8.68 8.61 8.50 8.20 5.09 5.06 4.98 4.82 4.46 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Yield on Advances (%) Domestic Foreign Offices 5.21 5.13 5.07 5.04 4.85 3.87 3.85 3.84 3.78 3.52 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Cost of Deposits (%) Domestic Foreign Offices 7.13 7.08 7.04 7.01 6.93 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Yield on Investments (%) Domestic 14
Page 15
7,843 9,476 Q1FY26 Q1FY27 Fee Income 1,229 1,478 Q1FY26 Q1FY27 Recovery from AUCA accounts 6,326 4,319 Q1FY26 Q1FY27 Profit / Loss on Sale / Revaluation of Investments ₹ in Crores Non-interest income 15 1,632 497 Q1FY26 Q1FY27 Forex / Derivatives Income -69.57% 20.83% -31.73% 20.29% 1,325 2,114 Q1FY26 Q1FY27 Loan Processing Charges 1,050 1,578 Q1FY26 Q1FY27 Commission on Government Business 887 888 Q1FY26 Q1FY27 Commission on LC / BG 1,010 1,140 Q1FY26 Q1FY27 CVE Income 59.51% 50.34% 0.09% 12.80% Components of Fee Income Other Non-interest Income components
Page 16
51 36 5 7 1 Jun 2026 Break up of Domestic Investments as on Jun 26 (%) 46 34 7 5 8 Jun 2025 Modified Duration 2.27 Modified Duration 2.78 AFS Book (%) ₹ in Crores Investment Book Jun 25 Jun 26 Domestic Investments 16,18,756 17,27,352 - of which SLR 13,37,291 14,76,625 Foreign Offices Investments 72,658 83,745 Total Investments Book 16,91,414 18,11,097 Performance Highlights Financial Performance Capital Adequacy & Asset Quality Digital Journey Banking with a Purpose 7.13 6.93 Q1FY26 Q1FY27 Yield on Investments (%) -20 bps Treasury Operations 16 74.81 14.54 8.97 0.99 0.69 HTM AFS FVTPL-HFT FVTPL-NHFT A&S
Page 17
Operating expenses 17 Focus continues on improving income streams with control on costs 44.7 15.9 39.4 Q1FY26 (%) 49.42 47.71 46.71 24.00 29.00 34.00 39.00 44.00 49.00 54.00 Q1FY25 Q1FY26 Q1FY27 Cost to Income Ratio (%) 1.67 1.66 1.54 1 1.1 1.2 1.3 1.4 1.5 1.6 1.7 1.8 Q1FY25 Q1FY26 Q1FY27 Cost to Average Assets (%) 29.58 28.93 27.70 19.84 18.79 19.01 49.42 47.71 46.71 Q1FY25 Q1FY26 Q1FY27 Overheads to Operating Income (%) Staff Expenses to Operating Income (%) Operating Expenses 44.9 14.4 40.7 Q1FY27 (%)
Page 18
Financial Performance
Page 19
Financials – at a glance 19 Particulars (₹ in Crores) Quarter Ended Growth (%) Q1FY26 Q4FY26 Q1FY27 Q1FY27 over Q4FY26 Q1FY27 over 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
Page 20
Total income 20 Particulars (₹ in Crores) Quarter Ended Growth (%) Q1FY26 Q4FY26 Q1FY27 Q1FY27 over Q4FY26 Q1FY27 over 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
Page 21
Fee income break up 21 Particulars (₹ in Crores) Quarter Ended Growth (%) Q1FY26 Q4FY26 Q1FY27 Q1FY27 over Q4FY26 Q1FY27 over 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
Page 22
Total expenses 22 Particulars (₹ in Crores) Quarter Ended Growth (%) Q1FY26 Q4FY26 Q1FY27 Q1FY27 over Q4FY26 Q1FY27 over 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
Page 23
Overheads 23 Particulars (₹ in Crores) Quarter Ended Growth (%) Q1FY26 Q4FY26 Q1FY27 Q1FY27 over Q4FY26 Q1FY27 over 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
Page 24
Provisions & profit 24 Particulars (₹ in Crores) Quarter Ended Growth (%) Q1FY26 Q4FY26 Q1FY27 Q1FY27 over Q4FY26 Q1FY27 over 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
Page 25
Capital Adequacy
Page 26
Strong Capital Buffers 26 Capital Ratios (%) RWA to Total Assets (%) 53.01 51.98 52.56 Jun 25 Mar 26 Jun 26 Credit Risk Weighted Assets on Advances to Gross Advances (%) 56.02 54.31 53.33 Jun 25 Mar 26 Jun 26 11.10 12.29 12.89 1.35 1.04 1.012.18 2.07 1.77 14.63 15.40 15.67 8.80 12.30 Jun 25 Mar 26 Jun 26 CET-1 AT-1 Tier-2 Min regulatory CET-1 ratio Min regulatory Total Capital ratio
Page 27
Asset Quality
Page 28
Asset quality (1/3) 78,040 76,243 73,637 73,452 74,272 1.83 1.73 1.57 1.49 1.47 70,000 72,000 74,000 76,000 78,000 80,000 82,000 1.00 1.10 1.20 1.30 1.40 1.50 1.60 1.70 1.80 1.90 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Gross NPA (₹ Crores) Gross NPA Ratio 74.49 75.79 75.54 74.36 74.20 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Provision Coverage Ratio 91.71 92.29 92.37 91.97 91.82 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Provision Coverage Ratio (incl. AUCA) Cumulative for the Period (%) 0.75 0.60 0.54 0.54 0.57 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Slippage Ratio 0.47 0.43 0.39 0.37 0.27 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Credit Cost 19,908 18,460 18,012 18,830 19,158 0.47 0.42 0.39 0.39 0.38 15,000 16,000 17,000 18,000 19,000 20,000 21,000 22,000 23,000 24,000 25,000 0.20 0.25 0.30 0.35 0.40 0.45 0.50 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Net NPA (₹ Crores) Net NPA Ratio 28
Page 29
Asset quality (2/3) 29 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 Segmental NPAs: Jun 25 Mar 26 Jun 26 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 ₹ in Crores
Page 30
Slippages Asset quality (3/3) 30 20,818 22,678 7,945 4,754 4,458 5,521 7,046 FY25 FY26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 SMA 1 & SMA 2 Accounts with exposure above ₹ 5 crores: CRILC data 2,928 1,769 2,204 2,417 2,487 2,097 1,992 1,666 932 1,687 5,025 3,762 3,870 3,350 4,174 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 SMA1 SMA2 ₹ in Crores
Page 31
Digital Journey
Page 32
32 Digital Leadership across channels Market share across channels (as per latest available data) 23.65% Debit card spends 31.04% ATMs 29.40% Mobile Banking No. of Transactions 24.83% Mobile Banking Transaction value Increasing digital adoption(%) * Digital comprises of Internet, Mobile, UPI & YONO and Green Channel 95% 3% 1%1% Jun 26 Digital* ATM & CDM BC Channel Branch 94% 4% 1%1% Jun 25 98.8% Share of Alternate Channels With varied payment modes UPI Remit transactions (Numbers during Q1FY27) Unique SBI UPI users based on account nos. (Cumulative till Jun 26) Market share in remittances 1,729 Cr 25.14 Cr 25.32% Debit cards Debit Cards (Numbers as on 30th Jun 26) Debit Card spend transactions (Numbers during Q1FY27) Debit Card spend (Amount during Q1FY27) 25.57 Cr ~9.0 Cr ~₹26 K Cr ATM ATM transactions per day ~1 Cr 9.0 Cr Jun 25 Jun 26 Mobile Banking (Retail) Customer touch points YONO (Registered Users) Unique SBI UPI (Users) YONO Lite (Registered Users) 10.5 Cr 2.7 Cr 2.6 Cr 21.2 Cr 25.1 Cr 11.5 Cr Jun 25 Jun 26 Active INB Customer (Retail) Number of ATMs No. of BC Outlets 12.6 Cr 76.8 K 79.6 K 62.2 K 65.2 K 60.46 L BHIM SBI Pay QR Codes 17.4 L SBI POS Payment acceptance touch points 10.7 L BHIM-Aadhar- SBI 10.4 L Bharat QR Accelerating digital agenda (1/2)
Page 33
33 YONO: Driving digital agenda of the Bank (All data for Q1FY27) 49.04 L YONO Registration Whatsapp Banking Registration 1.39 Cr 0.64 L Digital Loans Disbursed Fund Transfer 8.57 Cr (Numbers) Digital Banking Create seamless omni- channel customer experience (Numbers) CVE Provide one-stop shop for all financial needs (Numbers/Amount*) e2e Digital Loans (Disbursement Amt.) Quick Personal Loans on the go! (Amount) 27.1 L SB accounts opened 74.3 L YONO Cash 0.4 L NPS Accounts Opened 0.49 L PPF Accounts opened 24.8 K e-Shield Insta (Life Insurance) 2.7 L Approved Credit Cards 18.8 L Personal Accident Insurance ₹ 5.2 K Cr Mutual Funds Gross Sales* ₹ 685 Cr Real Time Personal Loan ₹ 147 Cr Insta Home Top Up Loan ₹ 1,314 Cr PAPL ₹ 91 Cr Loan against Mutual Funds YONO Registration (# Lakh) ~54 K Daily Average YONO Registrations in Q1FY2727.36 49.04 Q1FY26 Q1FY27 79.2% Fund Transfer (# Crore) ~10 L Daily Average number of Fund Transfer in Q1FY27 5.68 8.57 Q1FY26 Q1FY27 51% Accelerating digital agenda (2/2)
Page 34
Analytics, AI & ML 34 Retail Loans ₹ 22,396 Cr SMEBU ₹ 8,928 Cr ABU ₹ 11,395 Cr REHBU ₹ 2,041 Cr CVE Commission (fee) ₹ 46 Cr 65,912 1,04,139 1,37,357 1,24,268 1,80,518 33,377 44,759 FY22 FY23 FY24 FY25 FY26 Q1 FY26 Q1 FY27 Advances Through Analytical Leads (₹ in Crores) Note: All Figures are for Q1FY27 – Apr 26 to Jun 26 34.1% YoY Growth Digital Loans (₹ in Crores) in Q1FY27 ₹ 3,381 Cr PAPL ₹ 1,316 Cr PABL ₹ 1,143 Cr RTXC ₹ 685 Cr Insta Home Top up ₹ 147 Cr PASBL ₹ 92 Cr PAPL ₹ 1,314 Cr PABL ₹ 1,143 Cr Insta Home Top up ₹ 147 Cr PASBL ₹ 92 Cr Generative and Agentic AI Initiatives Yono Ji Chatbot on Yono Business • Customer-facing chatbot offering instant, contextualised responses across Yono Business and related projects using Agentic AI • Uses Agentic AI Integrated into Yono Business Web and App portals Cheque Processing Workflow • GenAI integrated with the Bank's Cheque Processing System to validate fields such as amount, date, etc. • Uses Vision Language Model and specialized model to understand handwriting. • Checks date validity, presence of signature, amount; reduces TAT while ensuring due checks for processing cheques up to ₹10,000. Early Review of Sanction • Applies vetting of loans sanctioned by various committees against the bank’s internal checking process. • Summarizes the vetting report using Gen AI to provide a holistic and concise view for reviewers.
Page 35
Strategic Initiative: Project SARAL 35 Impacts all Stakeholders 4Cs to address all stakeholders Colleagues Customer Experience Cost & Efficiency (Shareholders) Improved controls (Resilience) • Simpler journeys, Faster TAT • Customer Satisfaction • Manual hand-offs reduction • Service uptime Enhancement • Employee Productivity • Reduction in branch footfall • OpEx Reduction • High level of reusability New Definition 3Es: "Transaction to Transformation" Engagement Banking Empowerment Banking Evolution Banking • Simple and Interactive Banking • Omni Channel Experience • Employee enablement/ Eliminating Redundancy • Scope for leveraging the Franchisee • Automation – Agility with AI and ML • Compliance & Control Oriented Operations ✓ Seamless digital & self- service journeys Customer Benefits SARAL Initiative Employee Benefits Simplified KYC ✓ Reduced manual effort and data entry with better compliance ✓ Enhanced branch experience with immediate assistance Seva Sarathi ✓ More time to focus on business and relationship management ✓ Timely notifications with personalized and contextual nudges Pro-active Servicing ✓ Lower branch footfall for routine requests ✓ 24*7 access to banking services with simplified and intuitive journeys Simplified WhatsApp Banking ✓ Improved efficiency with reduced workload for routine requests ✓ Digitally enabled engagement offering convenient & proactive interactions Reimagined Collections ✓ Better delinquent portfolio mgmt. with more time for business & relationship ✓ Access to services from any branch Home Non- Home Branch Convergence ✓ Continued customer relationship with faster disposal of requests Project SARAL: High-Impact initiatives
Page 36
Banking with a Purpose
Page 37
Financial Inclusion No. of BC outlets 76,812 79,557 Jun 25 Jun 26 New Initiatives at CSP outlets: ❖ Sourcing of Mudra Loan through Jan Samarth Portal has been launched. ❖ Mobile based touch point “CSP lite” has been launched for scaling up the number of BC touch points. ❖ Redesigned passbook for FI customer with full printing at CSP itself launched. Performance under Social Security Schemes Cumulative no. in crores Jun 25 Jun 26 APY 1.79 2.06 PMJJBY 7.32 8.29 PMSBY 14.92 16.26 PMJDY 15.21 15.70 Improvement in Ease of Banking Jun 25 Jun 26 Passbook Printers installed at CSPs 34,507 37,229 % Share of Passbooks printed at CSPs 25.12 23.70 37 Deposits in FI Accounts 75,672 87,095 4,167 4,686 1,200 1,700 2,200 2,700 3,200 3,700 4,200 4,700 5,200 - 20,000 40,000 60,000 80,000 1,00,000 1,20,000 1,40,000 Jun 25 Jun 26 Deposits (₹ in Cr) Average Balance (₹) Transactions in BC Channel 1,09,228 1,10,285 15.52 14.54 1 - 60,000 1,20,000 1,80,000 Q1FY26 Q1FY27 Transaction Amount (₹ in Cr) No. of Transactions (in Cr) 15.10% Market Leader Social Security Schemes (Share in %) 22.17 26.78 29.59 34.67 PMJJBY PMSBY PMJDY APY Market Share among PSBs (As on 30th Jun 2026) 31.98 34.69 38.61 45.53 Total Market Share
Page 38
Sustainability Highlights Financial Capital Natural Capital Social Capital Human Capital ₹ 21,121 crores Net Profit in Q1FY27 ₹ 1,94,759 crores (Fund based) ₹ 21,667 crores (Non-Fund based) Sustainable Finance sanctioned portfolio ₹ 24 crores CSR Spend during Q1FY27 2,47,281 Total workforce* ₹ 50.47 lakh crore Advances >71 GW Capacity of Renewable Energy financed Portfolio 79,557 BC outlets* 28.7% Women in workforce* ₹ 60.06 lakh crore Deposits >50 MWp Captive RE Capacity* 24,860 Candidates trained through RSETIs during Q1FY27 6,148 Persons with Disabilities / Divyang* 98.8% Share of transactions through Alternate Channels 126 Green Building Certifications* 56,415 Trees planted during Q1FY27 100% All permanent Employees covered under medical benefits * indicates values that are cumulative in nature i.e. up to 30.06.2026 38
Page 39
Contributing to Society Status of CSR activities as on 30.06.2026 CSR Budget allocation for FY27 Major CSR Initiatives during Q1FY27 CSR Spends Breakup (excl. SBI Foundation) ₹ in Crores 39 • CSR donation of ₹76.80 lakh for distribution of 128 laptops to SC/ST and underprivileged students in Bhopal. • CSR donation of ₹60.84 lakh for installation of 71 water cooler with RO systems, 284 white boards and 71 sanitary vending machines with incinerator to 71 Govt. schools of Munger District, Bihar. • 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 Nadu. • CSR donation of ₹72.00 lakh for rejuvenation of Mahadevapura tank in Kudligi taluk, Karnataka under Amrut Sarovar Yojna. • CSR support to Sankara Nethralaya (Medical Research Foundation) of ₹100.00 lakh for construction of 5 consultation rooms for their project at Tondiarpet, Chennai under project Agastya. • CSR support of ₹35.85 lakh to Yuva Sathi Foundation for establishment of vocational training centre at Bilaspur, Chhattisgarh. • CSR donation of ₹24 lakh for procurement of 41-seater bus, for providing free travel to differently abled, senior citizens, women & children to Basara Gnana Saraswathi Devasthanam in Telangana. Cultural Heritage 0.33% Education 27% Empowerment of Women & Senior Citizen 4% Green Envirionment 26% Healthcare & Sanitation 37% Livelihood 2% Other CSR 4% CSR Spends of ₹ 24.05 crore in Q1FY27 Entity Budget Allocation Circles 215.00 SBI Foundation 520.00 RSETIs 34.37 National & Misc. 30.95 Total 800.32
Page 40
Subsidiaries, Group Financials & Balance Sheet
Page 41
SBI and its subsidiaries – leveraging synergies (1/3) As on Jun 2026 41 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 Subsidiary numbers are as published by respective subsidiaries * Post divestment of 6.3007% stake by SBI through IPO during July 2026, SBI’s stake stands at 55.56% as on date.
Page 42
SBI and its subsidiaries – leveraging synergies (2/3) Q1FY26 Q1FY27 PAT (₹ in Crores) 594 725 ROE (in %) 13.7 14.8 ₹ in Crores As on Jun 2026 Q1FY26 Q1FY27 PAT (₹ in Crores) * 556 664 ROE (in %) 15.8 16.5 Market Share • Private market leadership in New Business Premium, Individual New Business Premium, Individual Rated New Business Premium and Total Rated New Business Premium, with private market share of 20.5%, 24.9%, 22.2% and 21.5% respectively.. Business Performance • New Business Premium grew by 23% and stands at ₹8,908 Crores • Renewal Premium stands at ₹12,382 Crores; growth of 17% • PAT grew by 22% YoY and stands at ₹725 Crores • Robust solvency ratio of 1.96 • Expenses ratio of 7.7% • VONB stands at ₹1,408 Crores (26.2%), with a growth of 29% YoY. VONB margin stands at 26.2% • Assets under Management stands at ₹5,24,850 Crores; growth of 10% YoY • Embedded Value stands at ₹ 85,293 Crores; growth of 15% YoY. Market Share • #2 player in Cards and #2 in Spends • Cards-in-force as of Jun 26 18.6% (Jun 25, 19.1%), • Spends in Q1FY27 19.5%, (Q1FY26 16.6%) Portfolio • ▲ 7% YoY in cards, • ▲ 27% YoY in spends • ▲ 3% YoY in receivables Profitability • During Q1FY27 Revenue from Operations grew 3% YoY, PAT at ₹664 Crores grew by 19% YOY. • During Q1FY27, ROA is at 3.9%, ROE is at 16.5% • CRAR is at 25.6%, Tier I is at 20.3%. 42 56,607 58,269 28,000 33,000 38,000 43,000 48,000 53,000 58,000 63,000 Q1FY26 Q1FY27 93,244 1,18,475 0 20,000 40,000 60,000 80,000 1,00,000 1,20,000 1,40,000 Q1FY26 Q1FY27 212 226 0 50 100 150 200 250 Q1FY26 Q1FY27 17,814 21,290 0 5,000 10,000 15,000 20,000 25,000 Q1FY26 Q1FY27 *As per Ind AS, without OCI Value of New Business Gross Written Premium 12% 20% ReceivablesCIF (In Lakhs) Spends 3% 7% 27% *As per Ind AS, without OCI 3,469 3,972 2,200 2,400 2,600 2,800 3,000 3,200 3,400 3,600 3,800 4,000 4,200 Q1FY26 Q1FY27 Individual Rated Premium 14% 1,088 1,408 0 200 400 600 800 1,000 1,200 1,400 1,600 Q1FY26 Q1FY27 29%
Page 43
SBI and its subsidiaries – leveraging synergies (3/3) As on Jun 2026 Q1FY26 Q1FY27 PAT (₹ in Crores)* 845 873 ROE (in %)# 37.0 55.1 Group Q1FY26 Q1FY27 PAT (₹ in Crores) 187 193 ROE (in %)* 14.1 12.4 *As per Ind AS, without OCI #ROE has been recomputed on Average Networth ₹ in Crores Performance Highlights • PA&SF Group: Ranked No.1 India Borrower Loans (Mandated Lead Arranger). Market share of 36.19% (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%. * ROE is calculated without considering Fair value gain routed through OCI. Performance Highlights • Ranked 6th amongst the Private players in Q1FY27. • No. 1 player in Personal Accident segment amongst Private players. • SBI General posted GDP of ₹3,506 Crores at growth rate of 10.9% compared to Q1FY26. Q1FY26 Q1FY27 PAT (₹ in Crores) 188 166 ROE (in %) 15.8 12.6 Performance Highlights • SBIFML has been the largest player in the market since Q4FY20. In Q1FY27, SBIMF has a quarterly Average AUM of ₹12.61 Lakh Crore with a market share of 15.12%. • 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. 43 22,726 24,979 Q1FY26 Q1FY27 Gross Written Premium AUM 3,250 3,574 Q1FY26 Q1FY27 14% 10% 10%
Page 44
Regional Rural Banks – Sponsored by SBI Performance Highlights – Q1FY27 9 RRBs operating in 9 States • Deposits at ₹ 1,48,806 crores ▲ 8.85% YoY • CASA ▼ 22 bps YoY at 52.43% • Gross Advances at ₹ 1,25,857 crores ▲ 12.68% YoY • CD Ratio ▲ 288 bps YoY at 84.58% • NIM ▲ 60 bps YoY at 4.09% Network of 4,188 branches in 196 districts • Gross NPA ▲ 1 bp YoY at 2.60% • Net Profit of ₹ 1,173 crores ▲ 49.99% YoY • ROA ▲ 23 bps YoY at 2.29% • PCR ▼ 144 bps YoY at 87.07% • ROE ▲ 507 bps YoY at 22.49% 44
Page 45
SBI group financials – Q1FY27 45 Particulars (₹ in Crores) Quarter Ended Growth (%) Q1FY26 Q1FY27 YoY Interest Earned 1,25,563 1,36,240 8.50 Non-Interest Income 41,429 43,821 5.78 Total Income 1,66,992 1,80,062 7.83 Interest Expended 78,266 82,248 5.09 Operating Expenses (i+ii) 54,233 59,183 9.13 (i) Employee Cost 18,491 19,219 3.94 (ii) Other Operating Expenses 35,742 39,964 11.81 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 associates 495 542 9.52 Less: Minority Interest 920 1,008 9.56 Tax Expenses 7,602 8,305 9.24 Net Profit 21,201 24,113 13.73 Particulars Quarter Ended Q1FY26 Q1FY27 ROA (%) 1.15 1.15 ROE (%) 19.68 18.63 Earning Per Share (₹) 95.29 104.78 Expenses Ratio (%) 47.37 46.48 NIM (%) 2.99 2.97 Gross NPA Ratio (%) 1.84 1.48 Net NPA Ratio (%) 0.47 0.38
Page 46
Balance sheet 46 ₹ in Crores Liabilities SBI SOLO SBI GROUP 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 Assets SBI SOLO SBI GROUP 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
Page 47
Thank You