State Bank of India – Investor Presentation Summary

Key Operational Highlights

  • 98.8% of transactions processed through alternate channels
  • No. 1 position in Debit card spends, ATMs, value & number of Mobile Banking transactions
  • 10.5 crore registered customers on YONO platform
  • 5+ crore registrations on New YONO

Segment-wise Performance

Credit Growth (YoY):
  • Retail Personal: ₹17,73,147 crore, 15.15% growth
  • Agriculture: ₹4,36,820 crore, 25.43% growth
  • SME: ₹6,46,030 crore, 22.33% growth
  • Corporate: ₹14,20,652 crore, 18.05% growth
  • Domestic Advances: ₹42,76,648 crore, 18.15% growth
  • Foreign Offices Advances: ₹7,70,574 crore, 21.38% growth
  • Total Whole Bank Advances: ₹50,47,222 crore, 18.63% growth
Retail Personal Banking Breakdown (Jun 2026):
  • Home Loans: ₹9,59,369 crore, 12.75% YoY growth, GNPA 0.60%
  • Xpress Credit: ₹3,75,348 crore, 8.25% YoY growth, GNPA 1.15%
  • Auto Loans: ₹1,36,556 crore, 7.44% YoY growth, GNPA 0.49%
  • Personal Gold Loans: ₹1,25,406 crore, 97.54% YoY growth, GNPA 0.06%
  • Other Personal Segment Loans: ₹1,76,468 crore, 16.34% YoY growth, GNPA 0.59%
Corporate Loan Portfolio Distribution:
  • Infrastructure: ₹4,03,690 crore (9.44% share)
  • Services: ₹6,11,953 crore (14.31% share)
  • Other Industries: ₹6,42,190 crore (15.02% share)
  • Home Loans: ₹9,59,369 crore (22.43% share)
  • ~41% share to PSUs / Govt. Departments as on Jun 26

Financial Highlights

  • Revenue: Not explicitly stated in standalone terms
  • Net Interest Income: ₹46,992 crore (14.88% YoY growth)
  • EBITDA: Not applicable for banking sector
  • PAT: ₹21,121 crore (10.23% YoY growth)
  • EPS: ₹91.78 (Q1FY27)
  • Margins: Net Interest Margin - Whole Bank 2.86%, Domestic 3.00%
  • YoY comparison: Operating Profit grew 9.77% to ₹33,529 crore
  • Drivers of financial performance: Higher interest income on loans (10.03% YoY growth to ₹94,011 crore), controlled operating expenses
  • Key Risks: Not explicitly disclosed in presentation

Geographical Revenue Split

  • Domestic vs International Business:
  • Domestic Advances: ₹42,76,648 crore
  • Foreign Offices Advances: ₹7,70,574 crore
  • International gross advances grew 21.38% YoY (9.97% in Dollar terms)
  • Growth driven by US Ops, London, GIFT City, Middle East and East Asia region branches

Deposit Performance

  • Total Deposits: ₹60,05,805 crore (9.73% YoY growth)
  • Domestic Deposits: ₹57,61,353 crore (9.64% YoY growth)
  • CASA Deposits: ₹22,60,926 crore (9.30% YoY growth)
  • Current Account: ₹3,34,649 crore (4.02% YoY growth)
  • Saving Bank: ₹19,26,277 crore (10.27% YoY growth)
  • Term Deposits: ₹35,00,427 crore (9.86% YoY growth)

Balance Sheet Snapshot

  • Net Debt/Equity: Not explicitly stated
  • Reserves and Surplus: ₹5,65,908 crore (20.58% YoY growth)
  • Capital: ₹923 crore (3.43% YoY growth)
  • Total Liabilities: ₹76,62,285 crore (13.20% YoY growth)
  • Total Assets: ₹76,62,285 crore (13.20% YoY growth)
  • Financial Health Insights: Strong capital adequacy at 15.67%, improved asset quality

Capital Adequacy

  • Capital Adequacy Ratio: 15.67% (104 bps improvement YoY)
  • Credit Risk Weighted Assets on Advances to Gross Advances: Not specified

Asset Quality

  • Gross NPA: ₹74,272 crore, Ratio 1.47% (improved from 1.83% in Q1FY26)
  • Net NPA: ₹0.38% (improved from 0.47% in Q1FY26)
  • PCR (Incl. AUCA): 91.82% (11 bps improvement)
  • PCR: 74.20% (29 bps decline)
  • Credit Cost: 0.27% (20 bps improvement YoY)
  • Slippage Ratio: Not quantified but showing improving trend

Segmental NPAs (Jun 2026):

  • Retail: ₹61,560 crore, Ratio 2.16%
  • Agriculture: ₹30,729 crore, Ratio 7.03%
  • SME: ₹18,921 crore, Ratio 2.93%
  • Corporate: ₹11,784 crore, Ratio 0.83%
  • International: ₹928 crore, Ratio 0.12%

Capex & Cash Flow Health

  • Capital Expenditure: Not explicitly disclosed
  • Free Cash Flow: Not applicable for banking sector
  • Operating Cash Flow: Not disclosed
  • Net Debt Movement: Not disclosed

Digital Journey & Strategic Initiatives

  • YONO Performance (Q1FY27): 49.04 lakh registrations, 27.1 lakh SB accounts opened, ₹1,314 crore insurance premium, 18.8 lakh PAPL, 2.7 lakh approved credit cards
  • Digital Transactions: 8.57 crore fund transfers, 74.3 lakh YONO Cash transactions
  • Analytics & AI Initiatives: Early Review of Sanction using Gen AI, Cheque Processing Workflow with Vision Language Model, Yono Ji Chatbot on Yono Business
  • Project SARAL: Strategic initiative mentioned but details not provided

Subsidiaries Performance (Q1FY27)

Listed Subsidiaries:
  • SBI Card: PAT ₹664 crore, ROE 16.50%, SBI Stake 68.58%
  • SBI Life: PAT ₹725 crore, ROE 14.80%, SBI Stake 55.32%
Unlisted Subsidiaries:
  • SBI Funds Management: PAT ₹873 crore, ROE 55.06%, SBI Stake 61.86% (reduced to 55.56% post July 2026 IPO)
  • SBI General Insurance: PAT ₹166 crore, ROE 12.62%, SBI Stake 73.87%
  • SBI Capital Markets Group: PAT ₹193 crore, ROE 12.41%, SBI Stake 100%
  • SBI Payments Services: PAT ₹55 crore, ROE 15.09%, SBI Stake 74%
  • SBI SG Global Securities: PAT ₹43 crore, ROE 21.62%, SBI Stake 65%

SBI Group Financials – Q1FY27

  • Consolidated Net Profit: ₹24,113 crore (13.73% YoY growth)
  • Total Income: ₹1,80,062 crore (7.83% YoY growth)
  • ROA: 1.15%
  • ROE: 18.63%
  • EPS: ₹104.78
  • Gross NPA Ratio: 1.48%
  • Net NPA Ratio: 0.38%

Banking with a Purpose

Financial Inclusion:
  • APY: 2.06 crore cumulative accounts
  • PMJJBY: 8.29 crore cumulative accounts
  • PMSBY: 16.26 crore cumulative accounts
  • PMJDY: 15.70 crore cumulative accounts
  • 79,557 BC outlets
  • 37,229 passbook printers installed at CSPs
Sustainability Highlights:
  • CSR Spend: ₹24 crore during Q1FY27
  • Total workforce: 2,47,281 employees
  • Women in workforce: 28.7%
  • Sustainable Finance: ₹1,94,759 crore (Fund based), ₹21,667 crore (Non-Fund based)
  • Renewable Energy financed: >71 GW capacity
CSR Initiatives (Q1FY27):
  • Total CSR Budget allocation for FY27: ₹800.32 crore
  • Major initiatives include laptop distribution, RO water systems, sewing machines for women empowerment, tank rejuvenation, medical facility construction, vocational training centers