State Bank Of India · NSE:SBIN
State Bank Of India — Q3 FY2025 Earnings Presentation
58 slides from State Bank Of India's earnings presentation, Feb 6, 2025
Slide 1: Quarterly Q3FY25 Analyst Presentation
Quarterly Q3FY25 ANALYST PRESENTATION |06.02.2025
Slide 2: Safe Harbor
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 o
Slide 3: Contents
Contents 1 2 3 Executive Performance Financial Summary 04-05 Highlights 06-22 Performance 23-29 4 5 6 Capital Asset Digital Adequacy 30-31 Quality 32-36 Journey 37-44 7 8 Banking with a Subsidiaries, Group Purpose 45-51 Financials & Balance Sheet 52-57
Slide 4: Executive Summary
Executive Summary
Slide 5: Key trends in Q3FY25
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Key trends in Q3FY25 Liability franchise – sustained domestic market share of over 22%, driven by reach, trust and addin
Slide 6: Performance Highlights
Performance Highlights (i f\_
Slide 7: Key performance indicators
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Key performance indicators Profitability Business growth Asset Well provided Digital continues quality Stressed Book Lea
Slide 8: Balance Sheet Key indicators
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 9: Credit growth
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 10: Credit growth: Retail Personal Banking
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 11: Credit growth: Diversified Loan Portfolio
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 12: Credit growth: International Banking
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 13: Deposit growth
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 14: Unmatched Liability Franchise – Key value driver of the Bank
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 15: Asset quality: Restructuring
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 16: Net interest income (Cumulative)
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 17: Non-interest income
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Non-interest income ₹ in Crores Fee Income Loan Processing Commission on Commission on LC / Cross Selling Charges Govern
Slide 18: Treasury Operations
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 19: Operating expenses
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 20: Capital – assessment based on credit growth and RoE trends
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 21: Provisions
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 22: Sustainable RoE / RoA – a perspective
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 23: Financial Performance
Financial Performance “lll
Slide 24: Financials – at a glance
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 25: Total income
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 26: Fee income break up
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 27: Total expenses
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 28: Overheads
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 29: Provisions & profit
Executive Performance Financial Performance Capital Financial CapitalAsset Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Overview Summary Highlights Performance Highlights Adequacy Performance Quality & Asset Quality Journey Journey Purpose Purpose Financ
Slide 30: Capital Adequacy
Capital Adequacy
Slide 31: Well-capitalized bank with adequate liquidity
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Well-capitalized bank with adequate liquidity Capital Ratios (%) RWA to Total Assets (%) 54.00 13.76 53.86 13.05 13.03 2
Slide 32: Asset Quality
Asset Quality
Slide 33: Asset quality (1/4)
Executive Executive Summary Performance Financial Performance Capital Financial Asset Capital Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Summary Overview Highlights Performance Adequacy Journey Purpose Financials Financials&&Balance BalanceSheet Highli
Slide 34: Asset quality (2/4)
Executive Performance Financial Performance Capital Financial Asset Capital Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Summary Overview Highlights Performance Adequacy Journey Purpose Financials Financials&&Balance BalanceSheet Highlights Performance Q
Slide 35: Movement of NPAs and AUCA (3/4)
Executive Performance Financial Performance Capital Financial Asset Capital Adequacy Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries,Group Group Summary Overview Highlights Performance Adequacy Journey Purpose Financials Financials&&Balance BalanceSheet Highlights Performance Q
Slide 36: Asset quality (4/4)
Executive Performance Financial Capital Asset Capital Adequacy Digital Banking with a Subsidiaries, Group Summary Overview Highlights Performance Adequacy Journey Purpose Financials & Balance Sheet Quality & Asset Quality Asset quality (4/4) Slippages ₹ in Crores SMA 1 & SMA 2 ₹ in Crores Accounts w
Slide 37: Digital Journey
Digital | Journey ; P|
Slide 38: Accelerating digital agenda (1/6)
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Accelerating digital agenda (1/6) Market share across channels With varied payment modes Digital (as per latest availabl
Slide 39: Accelerating digital agenda (2/6)
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Accelerating digital agenda (2/6) Digital Presence across channels Customer touch points Mobile banking (Retail) INB Cus
Slide 40: Accelerating digital agenda (3/6)
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Overview Highlights Performance Adequacy Quality Purpose Financials & Balance Sheet Journey Accelerating digital agenda (3/6) YONO: Driving digital agenda of the Bank (Q3FY25) DIGITAL LOANS Whatsapp Bank
Slide 41: Accelerating digital agenda (4/6)
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Accelerating digital agenda (4/6) YONO has shown growth across products and registrations Approved Cards Regular SB A/C
Slide 42: Accelerating digital agenda (5/6)
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Accelerating digital agenda (5/6) Leadership across - UPI ecosystem Domestic (Q3FY25) Remitter Beneficiary Market Share
Slide 43: Accelerating digital agenda (6/6)
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Overview Highlights Performance Adequacy Quality Purpose Financials & Balance Sheet Journey Accelerating digital agenda (6/6) Q3FY25 YONO for Business: Growth metrics New to Digital Customers Current Acc
Slide 44: Analytics, AI & ML
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Analytics, AI & ML Advances Through Analytical Leads (₹ in Crores) Digital Loans conversion (₹ in Crores) CVE Commission
Slide 45: Banking with a Purpose
Banking with a Purpose “as
Slide 46: Financial Inclusion
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Financial Inclusion No. of BC outlets Transactions in BC Channel Deposits in FI Accounts Market Leader Social Security S
Slide 47: Sustainability Highlights
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Sustainability Highlights Financial Capital Natural Capital Social Capital Human Capital ₹ 61,808 crores (Fund based) ₹
Slide 48: Environment
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Environment Vision Green Deposits Formation of ESG & Climate Finance Unit ₹ 75.44 crore raised under Green Rupee Term de
Slide 49: Contributing to Society (1/2)
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Contributing to Society (1/2) Status of CSR activities as on 31.12.2024 CSR Expenditure % as on 31.12.2024 War veterans
Slide 50: Contributing to Society (2/2)
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Contributing to Society (2/2) SBI Foundation: Highlights of long-term projects SBI Gram Seva SBIF CONSERW • ‘SBI Sammaan
Slide 51: SBI's Policy Framework
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet SBI’s Policy Framework Governance Board level committees & Policies for better control and governance Executive Committe
Slide 52: Subsidiaries, Group Financials & Balance Sheet
Subsidiaries, Group Financials & Balance Sheet
Slide 53: SBI and its subsidiaries – leveraging synergies (1/2)
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet SBI and its subsidiaries – leveraging synergies (1/2) As on Dec 2024 ₹ in Crores 9MFY24 9MFY25 9MFY24 9MFY25 PAT (₹ in C
Slide 54: SBI and its subsidiaries – leveraging synergies (2/2)
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet SBI and its subsidiaries – leveraging synergies (2/2) As on Dec 2024 ₹ in Crores 9MFY24 9MFY25 9MFY24 9MFY25 PAT (₹ in C
Slide 55: Regional Rural Banks
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Regional Rural Banks Sponsored by SBI Performance Highlights – Q3FY25 14 RRBs operating in 13 States & 1 UT Network of 4
Slide 56: SBI group financials – 9MFY25
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet SBI group financials – 9MFY25 Particulars (₹ in Crores) Nine Month Ended Growth (%) Particulars Nine Month Ended 9MFY24
Slide 57: Balance sheet
Executive Performance Financial Capital Asset Digital Banking with a Subsidiaries, Group Summary Highlights Performance Adequacy Quality Journey Purpose Financials & Balance Sheet Balance sheet Liabilities ₹ in Crores SBI SOLO SBI GROUP Dec 23 Dec 24 YOY Growth (%) Dec 23 Dec 24 YOY Growth (%) Capit
Slide 58: Thank You
Thank You
State Bank of India — Q3 FY2025 Earnings Presentation on 6ix