State Bank Of India · NSE:SBIN
State Bank Of India — Q3 FY2026 Earnings Presentation
57 slides from State Bank Of India's earnings presentation, Feb 7, 2026
Slide 1: Exchange filing cover letter for 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 SCR
Slide 2: Quarterly Results Q3FY26
Quarterly Results Q3FY26 ANALYST PRESENTATION | 07.02.2026
Slide 3: 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 4: Contents
Contents 1 2 3 Executive Performance Financial Summary 04-05 Highlights 06-21 Performance 22-28 4 5 6 Capital Asset Digital Adequacy 29-30 Quality 31-34 Journey 35-42 7 8 Banking with a Subsidiaries, Group Purpose 43-49 Financials & Balance Sheet 50-55
Slide 5: Executive Summary
Executive Summary
Slide 6: Key trends in Q3FY26
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Key trends in Q3FY26 Highest ever Quarterly Net Profit of ₹ 21,028 crores with a YoY growth of 24.49% Net Profit Driven
Slide 7: Performance Highlights
Performance Highlights
Slide 8: Key performance indicators
Subsidiaries, Executive Performance Financial Banking with a 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 Book Lea
Slide 9: Key indicators
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Key
Slide 10: Credit growth
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Cred
Slide 11: Credit growth - Retail Personal Banking
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Cred
Slide 12: Credit growth - Diversified Loan Portfolio
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Cred
Slide 13: Credit growth – International Banking
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Cred
Slide 14: Deposit growth
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Depo
Slide 15: Unmatched Liability Franchise – Key value driver of the Bank
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Unma
Slide 16: Net interest income (Cumulative)
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Net
Slide 17: Non-interest income
Subsidiaries, Executive Performance Financial Banking with a 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 Commission on LC / BG CVE Income Charges Govern
Slide 18: Treasury Operations
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Trea
Slide 19: Operating expenses
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Oper
Slide 20: Capital – assessment based on credit growth and RoE trends
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Capi
Slide 21: Provisions
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Prov
Slide 22: Sustainable RoE / RoA – a perspective
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Sust
Slide 23: Financial Performance
Financial Performance
Slide 24: Financials – at a glance
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Fina
Slide 25: Total income
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Tota
Slide 26: Fee income break up
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Fee
Slide 27: Total expenses
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Tota
Slide 28: Overheads
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Over
Slide 29: Provisions & profit
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset & AssetQuality Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Prov
Slide 30: Capital Adequacy
Capital Adequacy
Slide 31: Well-capitalized bank with adequate liquidity
Subsidiaries, Executive Performance Financial Capital Banking with a 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 (%) 14.62 14.04 53.86 53.38 13.03 5
Slide 32: Asset Quality
Asset Quality
Slide 33: Asset quality (1/3)
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Executive Summary Performance Financial Banking with a Highlights Capital Adequacy Performance Asset Quality & Asset Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose &
Slide 34: Asset quality (2/3)
Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Executive Performance Financial Banking with a Highlights Capital Adequacy Performance Asset Quality & Asset Quality Digital Journey Journey Purpose Group Financials Summary Highlights Performance Purpose & Balance Sheet Ass
Slide 35: Asset quality (3/3)
Capital Adequacy Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality & Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Asset quality (3/3) Slippages ₹ in Crores SMA 1 & SMA 2 ₹ in Crores Accounts with expos
Slide 36: Digital Journey
Digital Journey
Slide 37: Accelerating digital agenda (1/6)
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Accelerating digital agenda (1/6) Digital Market share across channels With varied payment modes (as per latest availabl
Slide 38: Accelerating digital agenda (2/6)
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Accelerating digital agenda (2/6) Digital Presence across channels Customer touch points Mobile banking (Retail) INB Cus
Slide 39: Accelerating digital agenda (3/6)
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Accelerating digital agenda (3/6) YONO: Driving digital agenda of the Bank (YTD Dec 25) 87.7 L 54.9 L 2.2 L 2.2 L Whatsa
Slide 40: Accelerating digital agenda (4/6)
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Accelerating digital agenda (4/6) YONO has shown growth across products and registrations SB Account (Out of Personal Ac
Slide 41: Accelerating digital agenda (5/6)
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Accelerating digital agenda (5/6) Leadership across - UPI ecosystem Domestic (Q3FY26) Remitter Beneficiary Market Share
Slide 42: Accelerating digital agenda (6/6)
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Accelerating digital agenda (6/6) Q3FY26 YONO for Business: Growth metrics New to Digital Customers Current Account New
Slide 43: Analytics, AI & ML
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Analytics, AI & ML Advances Through Analytical Leads (₹ in Crores) Digital Loans (₹ in Crores) ₹ 11,491 Cr 1,37,357 1,33
Slide 44: Banking with a Purpose
Banking with a Purpose
Slide 45: Financial Inclusion
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Financial Inclusion No. of BC outlets Transactions in BC Channel Deposits in FI Accounts Market Leader Social Security S
Slide 46: Sustainability Highlights
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Sustainability Highlights Financial Capital Natural Capital Social Capital Human Capital ₹ 1,35,262 crores (Fund based)
Slide 47: Environment
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Environment SBI’s MSCI ESG rating Vision Green Deposits maintained at Formation of ESG & Climate • To achieve Net Zero (
Slide 48: Contributing to Society (1/2)
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Contributing to Society (1/2) Status of CSR activities as on 31.12.2025 CSR Budget utilization Major CSR Initiatives dur
Slide 49: Contributing to Society (2/2)
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Contributing to Society (2/2) SBI Foundation: Highlights of long-term projects SBI Gram Seva : Rural Development SBIF Ji
Slide 50: SBI’s Policy Framework
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet SBI’s Policy Framework Governance Board level committees & Policies for better control and governance Executive Committe
Slide 51: Subsidiaries, Group Financials & Balance Sheet
Subsidiaries, Group Financials & Balance Sheet
Slide 52: SBI and its subsidiaries – leveraging synergies (1/2)
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet SBI and its subsidiaries – leveraging synergies (1/2) As on Dec 2025 ₹ in Crores 9MFY25 9MFY26 9MFY25 9MFY26 PAT (₹ in C
Slide 53: SBI and its subsidiaries – leveraging synergies (2/2)
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet SBI and its subsidiaries – leveraging synergies (2/2) As on Dec 2025 ₹ in Crores 9MFY25 9MFY26 9MFY25 9MFY26 PAT (₹ in C
Slide 54: Regional Rural Banks
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Regional Rural Banks Sponsored by SBI Performance Highlights – Q3FY26 9 RRBs operating in 9 States Network of 4,149 bran
Slide 55: SBI group financials – 9MFY26
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet SBI group financials – 9MFY26 Particulars (₹ in Crores) Nine Months Ended Growth (%) Particulars Nine Months Ended 9MFY2
Slide 56: Balance sheet
Subsidiaries, Executive Performance Financial Banking with a Capital Adequacy Asset Quality Digital Journey Group Financials Summary Highlights Performance Purpose & Balance Sheet Balance sheet Liabilities ₹ in Crores SBI SOLO SBI GROUP Dec 24 Dec 25 YOY Growth (%) Dec 24 Dec 25 YOY Growth (%) Capit
Slide 57: Thank You
Thank You
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