State Bank Of India · NSE:SBIN
State Bank Of India — Q4 2025 Earnings Presentation
65 slides from State Bank Of India's earnings presentation, May 3, 2025
Slide 1: Annual FY25 Analyst Presentation
Annual FY25 ANALYST PRESENTATION |03.05.2025
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 Overview Performance Summary 04-05 06-12 Highlights 13-29 4 5 6 Financial Capital Asset Performance 30-36 Adequacy 37-38 Quality 39-43 7 8 9 Digital Banking with a Subsidiaries, Group Journey 44-51 Purpose 52-58 Financials & Balance Sheet 59-64
Slide 4: Executive Summary
Executive Summary
Slide 5: Key trends in FY25
Subsidiaries, Executive Performance Financial Banking with a Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Key trends in FY25 Operating Profit – crossed ₹ 1 lakh crore with a YoY growth of 17.89% Driven by efficiency i
Slide 6: Overview
Overview fe
Slide 7: Redefining banking in India
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet Redefining banking in India We are India’s largest bank Unparalleled market share (%)* Our Balance Sheet size >
Slide 8: Customer Touch Points
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet Customer Touch Points National reach Branches ATM / ADWM CSP 22,937 63,791 77,251 Rural 8,280 7,180 58,563 Semi
Slide 9: Consistent asset growth, improving asset quality and increasing CD ratio
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet Consistent asset growth, improving asset quality and increasing CD ratio Outstanding Gross Advances NPA % Corpo
Slide 10: Consistent value to our shareholders
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet Consistent value to our shareholders Market Capitalisation Share Price Dividend per share (₹ in Crores) (₹) (₹)
Slide 11: Nurturing talent for future ready SBI
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet Nurturing talent for future ready SBI… Initiatives Engagement Recruitment Knowledge Management & Upskilling • U
Slide 12: Accolades
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet Accolades SBI Recognised among the FINIXX Awards 2024 SBI was recognized as SBI awarded with “Best SBI is honou
Slide 13: Performance Highlights
Performance Highlights (i f\_
Slide 14: Key performance indicators
Subsidiaries, Executive Performance Financial Banking with a Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Key performance indicators Profitability Business growth Asset Well provided Digital continues quality Stressed
Slide 15: Key indicators
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 16: Credit growth
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 17: Credit growth: Retail Personal Banking
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 18: Credit growth: Diversified Loan Portfolio
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 19: Credit growth: International Banking
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 20: Deposit growth
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 21: Unmatched Liability Franchise – Key value driver of the Bank
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 22: Asset quality: Restructuring
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 23: Net interest income (Cumulative)
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 24: Non-interest income
Subsidiaries, Executive Performance Financial Banking with a Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Non-interest income ₹ in Crores Fee Income Loan Processing Commission on LC / Cross Selling Charges BG 30,919 6
Slide 25: Treasury Operations
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 26: Operating expenses
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 27: Capital – assessment based on credit growth and RoE trends
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 28: Provisions
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 29: Sustainable RoE / RoA – a perspective
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 30: Financial Performance
Financial Performance “lll
Slide 31: Financials – at a glance
Subsidiaries, Executive Performance PerformanceFinancial Capital Adequacy Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 32: Total income
Subsidiaries, Executive Performance PerformanceFinancial Capital Adequacy Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 33: Fee income break up
Subsidiaries, Executive Performance PerformanceFinancial Capital Adequacy Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 34: Total expenses
Subsidiaries, Executive Performance PerformanceFinancial Capital Adequacy Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 35: Overheads
Subsidiaries, Executive Performance PerformanceFinancial Capital Adequacy Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 36: Provisions & profit
Subsidiaries, Executive Performance PerformanceFinancial Capital Adequacy Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Overview Overview Asset Quality Digital Journey Group Financials Summary Highlights Highlights Performance Performance & Asset Quality Journe
Slide 37: Capital Adequacy
Capital Adequacy
Slide 38: Well-capitalized bank with adequate liquidity
Subsidiaries, Executive Performance Financial Capital Banking with a Overview Asset Quality Digital Journey Group Financials Summary Highlights Performance Adequacy Purpose & Balance Sheet Well-capitalized bank with adequate liquidity Capital Ratios (%) RWA to Total Assets (%) 54.66 14.28 14.25 53.8
Slide 39: Asset Quality
Asset Quality
Slide 40: Asset quality (1/4)
Subsidiaries, Executive Executive Summary Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Summary Overview Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials Highlights Performa
Slide 41: Asset quality (2/4)
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Summary Overview Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials Highlights Performance & Asset Qualit
Slide 42: Movement of NPAs and AUCA (3/4)
Subsidiaries, Executive Performance PerformanceFinancial Financial Capital Adequacy Digital Banking Banking with a with a Subsidiaries, Group Summary Overview Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials Highlights Performance & Asset Qualit
Slide 43: Asset quality (4/4)
Subsidiaries, Executive Performance Financial Capital Adequacy Banking with a Summary Overview Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Asset Quality & Balance Sheet Asset quality (4/4) Slippages ₹ in Crores SMA 1 & SMA 2 ₹ in Crores A
Slide 44: Digital Journey
Digital | Journey - a
Slide 45: Accelerating digital agenda (1/6)
Subsidiaries, Executive Performance Financial Digital Banking with a Overview Capital Adequacy Asset Quality Group Financials Summary Highlights Performance Journey Purpose & Balance Sheet Accelerating digital agenda (1/6) Market share across channels With varied payment modes Digital (as per latest
Slide 46: Accelerating digital agenda (2/6)
Subsidiaries, Executive Performance Financial Digital Banking with a Overview Capital Adequacy Asset Quality Group Financials Summary Highlights Performance Journey Purpose & Balance Sheet Accelerating digital agenda (2/6) Digital Presence across channels Customer touch points Mobile banking (Retail
Slide 47: Accelerating digital agenda (3/6)
Subsidiaries, Executive Performance Financial Digital Banking with a Overview Overview Capital Adequacy Asset Quality Group Financials Summary Highlights Performance Journey Purpose & Balance Sheet Accelerating digital agenda (3/6) YONO: Driving digital agenda of the Bank (FY25) DIGITAL LOANS Whatsa
Slide 48: Accelerating digital agenda (4/6)
Subsidiaries, Executive Performance Financial Digital Banking with a Overview Capital Adequacy Asset Quality Group Financials Summary Highlights Performance Journey Purpose & Balance Sheet Accelerating digital agenda (4/6) YONO has shown growth across products and registrations Approved Credit Cards
Slide 49: Accelerating digital agenda (5/6)
Subsidiaries, Executive Performance Financial Digital Banking with a Overview Capital Adequacy Asset Quality Group Financials Summary Highlights Performance Journey Purpose & Balance Sheet Accelerating digital agenda (5/6) Leadership across - UPI ecosystem Domestic (Q4FY25) Remitter Beneficiary Mark
Slide 50: Accelerating digital agenda (6/6)
Subsidiaries, Executive Performance Financial Digital Banking with a Overview Overview Capital Adequacy Asset Quality Group Financials Summary Highlights Performance Journey Purpose & Balance Sheet Accelerating digital agenda (6/6) FY25 YONO for Business: Growth metrics New to Digital Customers Curr
Slide 51: Analytics, AI & ML
Subsidiaries, Executive Performance Financial Digital Banking with a Overview Capital Adequacy Asset Quality Group Financials Summary Highlights Performance Journey Purpose & Balance Sheet Analytics, AI & ML Advances Through Analytical Leads (₹ in Crores) Digital Loans conversion (₹ in Crores) CVE C
Slide 52: Banking with a Purpose
Banking with a Purpose “as
Slide 53: Financial Inclusion
Subsidiaries, Executive Performance Financial Banking with Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance a Purpose & Balance Sheet Financial Inclusion No. of BC outlets Transactions in BC Channel Deposits in FI Accounts Market Leader Social S
Slide 54: Sustainability Highlights
Subsidiaries, Executive Performance Financial Banking with Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance a Purpose & Balance Sheet Sustainability Highlights Financial Capital Natural Capital Social Capital Human Capital ₹ 63,548 crores (Fund
Slide 55: Environment
Subsidiaries, Executive Performance Financial Banking with Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance a Purpose & Balance Sheet Environment Green Deposits SBI’s MSCI ESG rating Vision Formation of ESG & Climate ₹ 128.31 crore raised under
Slide 56: Contributing to Society (1/2)
Subsidiaries, Executive Performance Financial Banking with Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance a Purpose & Balance Sheet Contributing to Society (1/2) Status of CSR activities as on 31.03.2025 CSR Expenditure % as on 31.03.2025 Disa
Slide 57: Contributing to Society (2/2)
Subsidiaries, Executive Performance Financial Banking with Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance a Purpose & Balance Sheet Contributing to Society (2/2) SBI Foundation: Highlights of long-term projects SBIF CONSERW : Environment & Sus
Slide 58: SBI's Policy Framework
Subsidiaries, Executive Performance Financial Banking with Overview Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance a Purpose & Balance Sheet SBI’s Policy Framework Governance Board level committees & Policies for better control and governance Executive
Slide 59: Subsidiaries, Group Financials & Balance Sheet
Subsidiaries, Group Financials & Balance Sheet
Slide 60: SBI and its subsidiaries – leveraging synergies (1/2)
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet SBI and its subsidiaries – leveraging synergies (1/2) As on Mar 2025 ₹ in Crores FY24 FY25 FY24 FY25 PAT (₹ in
Slide 61: SBI and its subsidiaries – leveraging synergies (2/2)
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet SBI and its subsidiaries – leveraging synergies (2/2) As on Mar 2025 ₹ in Crores FY24 FY25 FY24 FY25 PAT (₹ in
Slide 62: Regional Rural Banks
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet Regional Rural Banks Sponsored by SBI Performance Highlights – FY25 14 RRBs operating in 13 States & 1 UT Netwo
Slide 63: SBI group financials – FY25
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet SBI group financials – FY25 Particulars (₹ in Crores) Year Ended Growth (%) Particulars Year Ended FY24 FY25 Yo
Slide 64: Balance sheet
Subsidiaries, Executive Performance Financial Banking with a Summary Overview Highlights Performance Capital Adequacy Asset Quality Digital Journey Purpose Group Financials & Balance Sheet Balance sheet Liabilities ₹ in Crores SBI SOLO SBI GROUP Mar 24 Mar 25 YOY Growth (%) Mar 24 Mar 25 YOY Growth
Slide 65: Thank You
Thank You