Analyst 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/2026-27/347 07.08.2026 Madam / Sir, Presentation on Financial Results for the quarter ended 30.06.2026 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 ended 30.06.2026. 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 Q1FY27 A N A L Y S T P R E S E N T A T I O N 0 7 . 0 8 . 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 31-35 36-39 40-46 27-30 31-35 36-39 40-46 Executive Summary SBI delivers Strong & Sustainable Performance As on Jun 26, Q1FY27 Profitability Business Growth Asset Quality ₹21,121 Cr 10.23% YoY Net Profit Gross Advances Deposits ₹50 Trillion ₹60 Trillion 1.47% 0.38% ₹33,529 Cr 9.77% YoY Gross NPA Net NPA Operating Profit 18.63% YoY 9.73% YoY 1.11% 17.87% YoY YoY RoA RoE 0.27% 74.20% SME 22.33% SB 10.27% Credit Cost PCR 2.86% 3.00% Agri 25.43% NIM (Whole Bank) NIM (Domestic) Retail TD 14.39% Domestic NIM ▲ 7 bps over Retail Per 15.15% Lowest NPA Ratios in 2+ Q4FY26 decades Strong Foundations, Building a Future-Ready SBI Balance Sheet Size (₹ Trillion) Domestic CD Ratio (%) Digital Leadership 74.23 76.23 76.62 73.08 67.69 68.88 98.8% No. 1 transactions in Debit card through alternate spends, ATMs, channels value & no. of Jun 25 Mar 26 Jun 26 Jun 25 Mar 26 Jun 26 Mobile Banking transactions CRAR (%) LCR (%) 10.5 Cr 5+ Cr 15.67 15.40 136.67 Registered Registrations on 14.63 customers on New YONO YONO 126.05 124.32 Shaping the future Jun 25 Mar 26 Jun 26 Jun 25 Mar 26 Jun 26 Performance Highlights Key indicators Quarter Ended ₹ in Crores Growth Q1FY26 Q1FY27 CASA 9.30% YoY RAM 18.20% YoY Net Interest Income 40,907 46,992 14.88% Deposits Advances Net Interest Margin – Whole Bank (%) 2.89 2.86 -3 bps Profit & 2 9 L (₹o is n s C rores) Net Interest Margin – Domestic (%) 3.01 3.00 -1 bp 7 2 5 ,8 ,0 6 ,2 2 1 4 2 5 ,8 2 6 ,6 Operating Profit 30,544 33,529 9.77% ,0 1 2 ,4 Net Profit 19,160 21,121 10.23% Gross Advances 42,54,516 50,47,222 18.63% Balance Jun 25 Jun 26 Jun 25 Jun 26 Sheet (₹ in Crores) Total Deposits 54,73,254 60,05,805 9.73% Retail Term 14.39% YoY Corporate 18.05% YoY Credit Cost 0.47 0.27 -20 bps Deposits Advances Gross NPA 1.83 1.47 -36 bps K (ine %y )Ratios Net NPA 0.47 0.38 -9 bps 0 0 7 ,5 ,4 1 ,6 0 3 4 ,3 0 6 ,0 2 ,4 PCR (Incl. AUCA) 91.71 91.82 11 bps 8 PCR 74.49 74.20 -29 bps Capital Adequacy 14.63 15.67 104 bps Jun 25 Jun 26 Jun 25 Jun 26 Credit growth ₹ in Crores Share of Domestic Advances as on Jun 26 Segment Jun 25 Jun 26 Growth (%) Retail Personal 15,39,878 17,73,147 15.15 Per, 41.46% Agri 3,48,267 4,36,820 25.43 42.50 Retail PCeorrporate, 33.22% SME 5,28,095 6,46,030 22.33 Corporate 12,03,430 14,20,652 18.05 Agri, 10.21% 9.30 Agri Domestic Advances 36,19,671 42,76,648 18.15 AGRI 35.00 Corporate 13.20 Corporate SME, 15.11% Foreign Offices Advances 6,34,845 7,70,574 21.38 SME Total Whole Bank 42,54,516 50,47,222 18.63 Advances 66.78 RAM Portfolio Share: % Credit growth - Retail Personal Banking As on Jun 2026 Retail Personal Portfolio of 3 - year CAGR at Jun 26 Leadership across all 17.7 14 41.5 segments ~₹ lakh crore ~ % ~ % of Dom. Adv. O/S, ₹ in crores YoY Growth, % GNPA, % Composition of Retail Personal Advances (in%) Home Loans 9,59,369 12.75 0.60 Xpress Credit 3,75,348 8.25 1.15 54.11 Auto Loans 1,36,556 7.44 0.49 Home Loans Xpress Credit 21.17 Personal Gold 1,25,406 97.54 0.06 Auto Loans Loans 7.70 Personal Gold Loans 7.07 Other P Seg Loans 1,76,468 16.34 0.59 9.95 Other P Seg Loans Jun 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 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 28 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 16 15 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 7 7 Other Retail Loans 6,77,222 15.84 20.52 Agriculture 4,36,820 10.21 25.43 Jun 25 Jun 26 Total Domestic Advances 42,76,648 100.00 18.15 AAA AA A BBB BB & AAA AA A BBB BB & below below ~41% share to PSUs / Govt. Depts. as on Jun 26 Performance Financial Capital Adequacy Digital Banking with a Credit growth – International Banking Highlights Performance & Asset Quality Journey Purpose Gross Advances: 21.38% YoY growth Break up of Loan Portfolio (%) ₹ in Crores Highlights: 7,70,574 7,42,941 • Consistent Quarter on Quarter growth in 6,93,332 6,76,635 6,34,845 29.8 Local Lending 33.2 customer credit. India Linked Loans • Gross advances have grown by 21.38% on YoY basis (in Dollar terms YoY growth of 37.0 Trade Finance 9.97%). External Commercial Borrowings, Local Credit and Trade Finance business are Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 major drivers of customer credit. Asset Quality: NPAs Contained Loan Portfolio across Geographies (%) • Growth in customer credit is majorly GNPA (%) contributed by US Ops, London, GIFT City, USA (24%) UK (18%) 3 6 Middle East and East Asia region branches. 4 24 GIFT City (India) (11%) Hong Kong (10%) • Gross NPA ratio is down by 7 bps on YoY 6 UAE (7%) Bahrain (6%) basis and showing declining trend, underlining Singapore (6%) Japan (5%) 0.19 0.19 7 18 high quality of assets booked. 0.15 0.13 Germany (4%) Sydney (3%) 0.12 10 Others (6%) Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Deposit growth ₹ in Crores YoY Growth Particulars Jun 25 Jun 26 Share of Domestic Deposits as on Jun 26 Current Account Deposits (CA) 3,21,714 3,34,649 4.02 SA, 33.43% Saving Bank Deposits (SA) 17,46,813 19,26,277 10.27 CASA Deposits 20,68,527 22,60,926 9.30 TD, 60.76% Term Deposits (TD) 31,86,346 35,00,427 9.86 Domestic Deposits 52,54,873 57,61,353 9.64 CA, 5.81% Foreign Offices Deposits 2,18,381 2,44,452 11.94 Total Deposits 54,73,254 60,05,805 9.73 39.24 CASA: % Margins, Yield & Cost (Cumulative) Net Interest Margins (%) Yield on Investments (%) Domestic 3.01 3.04 3.06 3.03 3.00 7.13 Whole Bank 7.08 7.04 7.01 2.89 2.92 2.94 2.91 2.86 6.93 Domestic Foreign Offices 1.93 1.99 1.97 1.93 1.74 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Yield on Advances (%) Cost of Deposits (%) 5.21 5.13 5.07 5.04 8.78 8.68 8.61 8.50 Domestic 4.85 Domestic 8.20 Foreign Offices Foreign Offices 3.87 3.85 3.84 3.78 5.09 5.06 4.98 4.82 3.52 4.46 Jun 25 Sep 25 Dec 25 Mar 26 Ju [Showing first 8,000 characters — download PDF for full document]