State Bank of India — PPTs, 08-05-2026: Investor Presentation

**Business Performance:**

The bank posted a record annual Net Profit of ₹80,032 crore, up 12.88% YoY, driven by strong Net Interest and Non-Interest Income. Total business crossed ₹109 trillion, with deposits reaching ₹59.8 lakh crore and advances ₹49.3 lakh crore, growing 11.03% and 16.87% YoY respectively. Growth was broad-based, with SME up 20.99%, Agri up 19.68%, and Retail Personal advances up 15.22%.

**Growth Drivers or Strategy:**

Digital adoption is key, with 98.7% of transactions via alternate channels. YONO users hit 10.02 crore, and 66% of new savings accounts were opened digitally. The bank maintains a strategic focus on strengthening its liability franchise and CASA mobilization. Analytics, AI, and ML are increasingly utilized for retail, SME, and agri advances.

**Recent Developments:**

The Agri portfolio surpassed ₹4 lakh crore. The bank launched several in-house Generative AI solutions and is expanding its UPI ecosystem internationally. Efforts in sustainable finance include forming an ESG & Climate Finance Unit and financing significant Renewable Energy capacity.

**Key Financial Metrics:**

FY26 ROA was 1.12% and ROE 18.57%. Gross NPA fell to 1.49% and Net NPA to 0.39%, a two-decade low. PCR stands at 74.36%, with credit cost contained at 0.37%.

**Management Commentary / Outlook:**

Management highlights sustained domestic market share, best-in-class asset quality, and digital leadership. The bank targets Net Zero by 2055 and specific green advance goals by 2030.