Press Release Q1FY27 Results

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/2026-27/346 07.08.2026 Madam / Sir, Press Release on Financial Results for the quarter ended 30.06.2026 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 30.06.2026. Yours faithfully, (Aruna N. Dak) DGM (Compliance & Company Secretary) Encl: A/a Press Release Q1FY27 RESULTS Highlights Business • Business crossed ₹110 Trillion. • Deposits & Advances crossed ₹60 Trillion & ₹50 Trillion respectively. Profitability • Net Profit for Q1FY27 stands at ₹21,121 crores witnessing a growth of 10.23% YoY. • Operating Profit for Q1FY27 grew by 9.77% YoY to ₹33,529 crores. • Bank’s ROA and ROE for Q1FY27 stand at 1.11% and 17.87% respectively. • Net Interest Income (NII) for Q1FY27 increased by 14.88% YoY. • Domestic NIM at 3.00% in Q1FY27, improved by 7 bps over Q4FY26. Whole Bank NIM at 2.86% in Q1FY27, improved by 5 bps over Q4FY26. Balance Sheet • Whole Bank Advances growth at 18.63% YoY with Domestic Advances growth at 18.15% YoY. • Foreign Offices’ Advances grew by 21.38% YoY in rupee terms and 9.97% in dollar terms. • RAM Advances grew by 18.20% YoY, with double digit growth in all segments. Agri Advances grew by 25.43% YoY followed by SME Advances growth of 22.33% YoY and Retail Personal Advances growth of 15.15%. • Corporate Advances registered YoY growth of 18.05%. • Whole Bank Deposits grew by 9.73% YoY. CASA Deposits grew by 9.30% YoY. CASA Ratio stands at 39.24% as on 30th June 26. Retail Term Deposits registered YoY growth of 14.39%. Asset Quality • Gross NPA Ratio at 1.47% improved by 36 bps YoY. • Net NPA Ratio at 0.38% improved by 9 bps YoY. • Provision Coverage Ratio (PCR) stands at 74.20% while PCR (incl. AUCA) stands at 91.82%. • Slippage Ratio for Q1FY27 improved by 18 bps YoY and stands at 0.57%. • Credit Cost for Q1FY27 stands at 0.27%. Capital Adequacy • Capital to Risk Weighted Assets Ratio (CRAR) as at the end of Q1FY27 stands at 15.67%. Alternate Channels • More than 64% of SB accounts opened digitally through YONO in Q1FY27. • Share of Alternate Channels in total transactions increased from ~98.6% in Q1FY26 to ~98.8% in Q1FY27. Key Summary of Q1FY27 Results ₹ in Crores Q1FY26 Q4FY26 Q1FY27 YoY % QoQ % Profit & Loss Interest Income 1,17,830 1,23,098 1,27,896 8.54 3.90 Interest Expenses 76,923 78,718 80,904 5.17 2.78 Net Interest Income 40,907 44,380 46,992 14.88 5.89 NIM, % (Domestic) 3.01 2.93 3.00 -1 bp 7 bps Operating Profit 30,544 27,704 33,529 9.77 21.03 Loan loss provisions 4,934 3,140 3,359 -31.92 6.96 Profit after tax 19,160 19,684 21,121 10.23 7.30 ₹ in Crores Jun 25 Mar 26 Jun 26 YoY % QoQ % Balance Sheet Gross advances 42,54,516 49,32,627 50,47,222 18.63 2.32 Domestic Corporate 12,03,430 14,24,589 14,20,652 18.05 -0.28 Domestic Retail Personal 15,39,878 17,35,778 17,73,147 15.15 2.15 Of which: Home loans 8,50,856 9,44,210 9,59,369 12.75 1.61 Deposits 54,73,254 59,75,642 60,05,805 9.73 0.50 Domestic CASA 20,68,527 22,62,011 22,60,926 9.30 -0.05 Domestic Term Deposits 31,86,346 34,70,949 35,00,427 9.86 0.85 CASA Ratio (%) 39.36 39.46 39.24 -12 bps -22 bps GNPA 78,040 73,452 74,272 -4.83 1.12 NNPA 19,908 18,830 19,158 -3.77 1.74 Ratios (%) Q1FY26 Q4FY26 Q1FY27 YoY, bps QoQ, bps Asset Quality GNPA 1.83 1.49 1.47 -36 -2 NNPA 0.47 0.39 0.38 -9 -1 PCR (with AUCA) 91.71 91.97 91.82 11 -15 PCR (without AUCA) 74.49 74.36 74.20 -29 -16 Slippage Ratio 0.75 0.47 0.57 -18 10 Credit Cost 0.47 0.27 0.27 -20 0 Capital Ratios CET-1 ratio 11.10 12.29 12.89 179 60 Tier-1 ratio 12.45 13.33 13.90 145 57 CRAR 14.63 15.40 15.67 104 27 = = = = = = = = = = = = = =