Investor Presentation

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/2026-27/502 03.11.2026 Madam / Sir, Presentation on Financial Results for the quarter and half year ended 30.09.2026 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 and half ended 30.09.2026. 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 Q2FY27 A N A L Y S T P R E S E N T A T I O N 0 3 . 1 1 . 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 31-34 35-38 39-45 27-30 31-34 35-38 39-45 Executive Summary SBI delivers Strong & Sustainable Performance As on Sep 26 Profitability Business Growth Asset Quality (Q2FY27) ₹23,038 Cr 14.28% YoY Net Profit Gross Advances Deposits ₹52 Trillion ₹63 Trillion 1.39% 0.36% ₹34,226 Cr 7.28% YoY Gross NPA Net NPA 17.84% YoY 12.27% YoY Operating Profit 1.14% 18.68% YoY YoY 0.22% 74.43% RoA RoE (H1FY27) (H1FY27) SME 21.97% SB 8.78% Credit Cost PCR (Q2FY27) Agri 22.64% 2.94% 3.11% Retail TD 16.74% NIM (Whole Bank) NIM (Domestic) Retail Per 14.54% Lowest NPA Ratios in 2+ decades Domestic NIM ▲11 bps over Q1FY27 Strong Foundations, Building a Future-Ready SBI Balance Sheet Size (₹ Trillion) Domestic CD Ratio (%) Digital Leadership 74.23 78.88 76.62 73.02 69.87 69.82 98.9% No. 1 transactions in Debit card through alternate spends, ATMs, channels value & no. of Sep 25 Jun 26 Sep 26 Sep 25 Jun 26 Sep 26 Mobile Banking transactions CRAR (%) LCR (%) 11.1 Cr ~6 Cr 143.05 140.47 Registered Registrations on 16.09 15.67 customers on New YONO YONO 14.62 126.05 Shaping the future Sep 25 Jun 26 Sep 26 Sep 25 Jun 26 Sep 26 Performance Highlights Key indicators Quarter Ended ₹ in Crores Growth Q2FY26 Q2FY27 CASA 8.13% YoY RAM 17.34% YoY Net Interest Income 42,847 49,143 14.69% Deposits Advances Net Interest Margin – Whole Bank (%) 2.96 2.94 -2 bps Profit & 8 L (₹o is n s C rores) N Oe pt I rn at te inre gs Pt rM oa fir tgin – Domestic (%) 313 ,9.0 08 343 ,2.1 21 b 8p %s 6 2 ,4 2 ,1 9 ,2 2 4 9 6 5 8 ,7 3 ,9 ,3 2 Net Profit 20,160 23,038 14.28% Gross Advances 44,19,674 52,08,344 17.84% Balance Sep 25 Sep 26 Sep 25 Sep 26 Sheet (₹ in Crores) Total Deposits 55,91,700 62,77,919 12.27% Retail Term 16.74% YoY Corporate 16.12% YoY Credit Cost 0.39 0.22 -17 bps Deposits Advances Gross NPA 1.73 1.39 -34 bps K (ine %y )Ratios N PCet N (P InA cl. AUCA) 920 .. 24 92 910 .. 83 36 -4- 66 bb pp ss 9 8 7 ,5 8 ,3 8 ,7 2 4 3 ,9 3 ,2 3 ,4 1 PCR 75.79 74.43 -136 bps Capital Adequacy 14.62 16.09 147 bps Sep 25 Sep 26 Sep 25 Sep 26 Credit growth ₹ in Crores Share of Domestic Advances as on Sep 26 Segment Sep 25 Sep 26 Growth (%) Retail Personal 15,93,360 18,25,083 14.54 Per, 41.70% Agri 3,68,112 4,51,438 22.64 42.50 Retail PCeorrporate, 32.88% SME 5,42,222 6,61,335 21.97 Corporate 12,39,346 14,39,156 16.12 Agri, 10.31% 9.30 Agri Domestic Advances 37,43,039 43,77,012 16.94 AGRI 35.00 Corporate 13.20 Corporate SME, 15.11% Foreign Offices Advances 6,76,635 8,31,332 22.86 SME Total Whole Bank 44,19,674 52,08,344 17.84 Advances 67.12 RAM Portfolio Share: % Credit growth - Retail Personal Banking As on Sep 2026 Retail Personal Portfolio of 3 - year CAGR at Sep 26 Leadership across all 18.3 14 41.7 segments ~₹ lakh crore ~ % ~ % of Dom. Adv. O/S, ₹ in crores YoY Growth, % GNPA, % Composition of Retail Personal Advances (in%) Home Loans 9,85,537 11.94 0.57 Personal Loan 3,78,769 7.48 1.15 54.00 Auto Loans 1,36,294 5.88 0.52 Home Loans Personal Loan 20.75 Personal Gold 1,37,349 89.31 0.05 Auto Loans Loans 7.47 Personal Gold Loans 7.53 Other P Seg Loans 1,87,134 17.51 0.57 10.25 Other P Seg Loans Sep 26 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 Sep 26 Fund Based O/S Sectors Amount % Share YoY Gr % Infrastructure 4,12,931 9.43 6.01 of which: Power 2,68,059 6.12 20.12 Telecommunication 19,090 0.44 -8.34 Roads & Ports 82,746 1.89 -20.22 Other Infrastructure 43,035 0.98 2.97 Services 6,60,758 15.10 25.61 Iron & Steel 79,215 1.81 13.88 Aviation & Airports 29,834 0.68 27.29 29 29 Tourism & Hotels 10,828 0.25 15.76 Textiles 41,764 0.95 7.78 Petroleum & Petrochemicals 87,831 2.01 22.35 Engineering 63,069 1.44 47.66 Comm. Real Estate 84,160 1.92 27.75 16 15 Other Industries 6,30,101 14.40 15.71 Home Loans 9,85,537 22.52 11.94 Auto Loans 1,36,294 3.11 5.88 6 7 Other Retail Loans 7,03,252 16.07 20.38 Agriculture 4,51,438 10.31 22.64 Sep 25 Sep 26 Total Domestic Advances 43,77,012 100.00 16.94 AAA AA A BBB BB & AAA AA A BBB BB & below below ~40% share to PSUs / Govt. Depts. as on Sep 26 Performance Financial Capital Adequacy Digital Banking with a Credit growth – International Banking Highlights Performance & Asset Quality Journey Purpose Gross Advances: 22.86% YoY growth Break up of Loan Portfolio (%) ₹ in Crores Highlights: 8,31,332 • Consistent Quarter on Quarter growth in 7,70,574 7,42,941 23.1 6,76,635 6,93,332 Local Lending customer credit. 39.7 India Linked Loans • Gross advances have grown by 22.86% on YoY basis (in Dollar terms YoY growth of 37.2 Trade Finance 13.84%). External Commercial Borrowings, and Local Credit are major drivers of Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 customer credit. FCNR(B) loans of USD 8.83 Asset Quality: NPAs Contained Loan Portfolio across Geographies (%) Bn. GNPA (%) • Growth in customer credit is majorly USA (24%) UK (15%) 33 contributed by US Ops, London, GIFT City, 5 24 GIFT City (India) (16%) UAE (10%) 5 Middle East and East Asia region branches. 5 Hong Kong (9%) Bahrain (5%) • Gross NPA ratio is down by 8 bps on YoY 0.19 9 15 Singapore (5%) Japan (5%) basis and showing declining trend, underlining 0.15 0.13 Germany (3%) Sydney (3%) 0.12 0.11 16 high quality of assets booked. Others (5%) Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 Deposit growth ₹ in Crores YoY Growth Particulars Sep 25 Sep 26 Share of Domestic Deposits as on Sep 26 Current Account Deposits (CA) 3,28,230 3,43,208 4.56 SA, 32.59% Saving Bank Deposits (SA) 17,96,036 19,53,675 8.78 CASA Deposits 21,24,266 22,96,883 8.13 TD, 61.68% Term Deposits (TD) 32,36,366 36,97,717 14.26 Domestic Deposits 53,60,632 59,94,600 11.83 CA, 5.73% Foreign Offices Deposits 2,31,068 2,83,319 22.61 Total Deposits 55,91,700 62,77,919 12.27 38.32 CASA: % Margins, Yield & Cost (Cumulative) Net Interest Margins (%) Yield on Investments (%) Domestic 3.04 3.06 3.03 3.00 3.06 Whole Bank 7.08 7.04 7.01 2.92 2.94 2.91 2.86 2.90 6.93 6.90 Domestic Foreign Offices 1.99 1.97 1.93 1.74 1.72 Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 Sep 25 Dec 25 Mar 26 Jun 26 Sep 26 Yield on Advances (%) Cost of Deposits (%) 5.13 5.07 5.04 8.68 8.61 8.50 Domestic 4.85 4.84 Domestic 8.20 8.22 Foreign Offices Foreign Offices 3.85 3.84 [Showing first 8,000 characters — download PDF for full document]