Press Release

The Listing Department, The Listing Department, BSE Limited, National Stock Exchange of India Limited, Phiroje Jeejeebhoy Towers, Exchange Plaza, 5th Floor, ‘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/2026-27/501 03.11.2026 Madam / Sir, Press Release on Financial Results for the quarter ended 30.09.2026 ln compliance with provisions of Regulation 30 read with Part A of Schedule III and other applicable provisions of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we submit the Press Release on Financial Results of the Bank for the quarter ended 30.09.2026. Yours faithfully, (Aruna N. Dak) DGM (Compliance & Company Secretary) Encl: A/a Press Release Q2FY27 RESULTS Highlights Business • Business levels at ~₹115 trillion. • Deposits and Advances at ₹63 trillion and ₹52 trillion, respectively. Profitability • Net Profit for Q2FY27 stands at ₹23,038 crores witnessing a growth of 14.28% YoY. • Operating Profit for Q2FY27 grew by 7.28% YoY to ₹34,226 crores. • Bank’s ROA and ROE for the half year stand at 1.14% and 18.68%, respectively. • Net Interest Income (NII) for Q2FY27 increased by 14.69% YoY. • Whole Bank and Domestic NIM for the H1FY27 stand at 2.90% and 3.06%, respectively. • Whole Bank NIM and Domestic NIM stood at 2.94% and 3.11%, respectively, in Q2FY27, improving by 8 bps and 11 bps, respectively, over Q1FY27. Balance Sheet • Whole Bank Advances growth at 17.84% YoY with Domestic Advances growth at 16.94% YoY. • Foreign Offices’ Advances grew by 22.86% YoY in Rupee terms and 13.84% in Dollar terms. • RAM Advances grew by 17.34% YoY, with double digit growth in all segments. Agri Advances grew by 22.64% YoY followed by SME Advances growth of 21.97% YoY and Retail Personal Advances growth of 14.54%. • Corporate Advances registered YoY growth of 16.12%. • Whole Bank Deposits grew by 12.27% YoY. CASA Deposits grew by 8.13% YoY. CASA Ratio stands at 38.32% as on 30th September 26. Retail Term Deposits registered YoY growth of 16.74%. Asset Quality • Gross NPA Ratio at 1.39% improved by 34 bps YoY. • Net NPA Ratio at 0.36% improved by 6 bps YoY. • Provision Coverage Ratio (PCR) stands at 74.43% while PCR (incl. AUCA) stands at 91.83%. • Slippage Ratio for Q2FY27 improved by 4 bps YoY and stands at 0.41%. • Credit Cost for Q2FY27 stands at 0.22%, a reduction of 17 bps YoY. Capital Adequacy • Capital to Risk Weighted Assets Ratio (CRAR) as at the end of Q2FY27 stands at 16.09%. Key Summary of Q2FY27 Results ₹ in Crores Q2FY26 Q1FY27 Q2FY27 QoQ % YoY % H1FY26 H1FY27 YoY % Profit & Loss Interest Income 1,19,517 1,27,896 1,32,019 3.22 10.46 2,37,347 2,59,915 9.51 Interest Expenses 76,670 80,904 82,876 2.44 8.09 1,53,593 1,63,780 6.63 Net Interest Income 42,847 46,992 49,143 4.58 14.69 83,754 96,135 14.78 NIM, % (Domestic) 3.08 3.00 3.11 11 bps 3 bps 3.04 3.06 2 bps Operating Profit 31,904 33,529 34,226 2.08 7.28 62,449 67,755 8.50 Loan loss provisions 4,132 3,359 2,759 -17.86 -33.23 9,066 6,118 -32.52 Profit after tax 20,160 21,121 23,038 9.07 14.28 39,320 44,159 12.31 ₹ in Crores Sep 25 Jun 26 Sep 26 YoY % QoQ % Balance Sheet Gross advances 44,19,674 50,47,222 52,08,344 17.84 3.19 Domestic Corporate 12,39,346 14,20,652 14,39,156 16.12 1.30 Domestic Retail Personal 15,93,360 17,73,147 18,25,083 14.54 2.93 Of which: Home loans 8,80,422 9,59,369 9,85,537 11.94 2.73 Deposits 55,91,700 60,05,805 62,77,919 12.27 4.53 Domestic CASA 21,24,266 22,60,926 22,96,883 8.13 1.59 Domestic Term Deposits 32,36,366 35,00,427 36,97,717 14.26 5.64 CASA Ratio (%) 39.63 39.24 38.32 -131 bps -92 bps GNPA 76,243 74,272 72,529 -4.87 -2.35 NNPA 18,460 19,158 18,546 0.47 -3.20 QoQ, YoY, YoY, Ratios (%) Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 bps bps bps Asset Quality GNPA 1.73 1.47 1.39 -8 -34 1.73 1.39 -34 NNPA 0.42 0.38 0.36 -2 -6 0.42 0.36 -6 PCR (with AUCA) 92.29 91.82 91.83 1 -46 92.29 91.83 -46 PCR (without AUCA) 75.79 74.20 74.43 23 -136 75.79 74.43 -136 Slippage Ratio 0.45 0.57 0.41 -16 -4 0.60 0.50 -10 Credit Cost 0.39 0.27 0.22 -5 -17 0.43 0.25 -18 Capital Ratios CET-1 ratio 11.47 12.89 13.34 45 187 11.47 13.34 187 Tier-1 ratio 12.67 13.90 14.34 44 167 12.67 14.34 167 CRAR 14.62 15.67 16.09 42 147 14.62 16.09 147 = = = = = = = = = = = = = =