State Bank of India — PPTs, 04-11-2025: Investor Presentation

**1. Business Performance:**

The bank reported robust Q2FY26 results, with Net Profit up 9.97% year-on-year to ₹20,160 Cr. Total business crossed ₹100 lakh Cr. Deposits grew 9.27% to ₹55.9 lakh Cr, and advances rose 12.73% to ₹44.2 lakh Cr. Strong non-interest income and a Retail, Agriculture, and SME (RAM) portfolio exceeding ₹25 lakh Cr contributed to growth.

**2. Growth Drivers or Strategy:**

Strategic priorities include strengthening the deposit base, particularly CASA mobilisation, and aggressive digital transformation. 98.6% of transactions now use alternate channels, with the YONO platform opening 64% of new savings accounts. The bank is also committed to green financing and a Net Zero target by 2055.

**3. Recent Developments:**

A key highlight was the successful ₹25,000 Cr Qualified Institutional Placement (QIP), significantly boosting the bank's capital. An ESG & Climate Finance Unit was also established to drive sustainability initiatives.

**4. Key Financial Metrics:**

Asset quality improved, with Gross NPA at 1.73% and Net NPA at 0.42%. Provision Coverage Ratio (PCR) was 75.79%. For H1FY26, Return on Assets (ROA) stood at 1.15% and Return on Equity (ROE) at 20.21%.

**5. Management Commentary / Outlook:**

Management emphasized continued focus on the liability franchise and digital leadership. The recent QIP provides capital for approximately ₹12.4 lakh Cr in future credit growth, supporting the bank's Net Zero by 2055 ambition and green advances targets by 2030.