SBI Cards and Payment Services Limited — PPTs, 27-04-2026: Investor Presentation

Here's a concise summary of SBI Card's investor presentation:

**Business Performance:** SBI Card reported robust FY26 financials! Net profit (PAT) surged 13% YoY to ₹2,167 Cr. Total customer spending jumped 29% to ₹430,359 Cr, with receivables growing 2% to ₹56,926 Cr. Q4 FY26 saw PAT rise 14% YoY to ₹609 Cr. New account sourcing in Q4 was strong at 0.92 Cr, a 17% YoY increase.

**Growth Drivers or Strategy:** The company is driving growth through increased retail spends, with online spending reaching 62.5% of total spends for FY26. UPI transactions on RuPay cards saw over 10% QoQ growth, highlighting strong digital adoption. Profitability was also boosted by improved credit costs.

**Recent Developments:** SBI Card recently revamped its website for a mobile-first user experience. They partnered with Amazon for a Republic Day offer and executed targeted brand visibility campaigns for AURUM and Pulse cards.

**Key Financial Metrics:** FY26 Basic EPS stood at ₹22.77, up 13% YoY. Asset quality improved significantly, with Gross Non-Performing Assets (GNPA) dropping 67 basis points YoY to 2.41% in Q4 FY26.

**Management Commentary / Outlook:** Management highlighted profitability driven by better credit costs and a strong Capital Adequacy Ratio above 25%, reinforcing its dominant market position.