State Bank of India — PPTs, 07-08-2026: Investor Presentation

SBI reported a strong Q1FY27 performance. Net Profit rose 10.23% YoY to ₹21,121 Crore, and Operating Profit grew 9.77% to ₹33,529 Crore. Net Interest Income jumped 14.88% to ₹46,992 Crore. Domestic Net Interest Margin improved by 7 basis points over Q4FY26.

Gross Advances expanded 18.63% YoY to ₹50,00,000 Crore, driven by robust growth in Agri (25.43%), SME (22.33%), and Retail Personal (15.15%) segments. Total Deposits increased 9.73% YoY to ₹60,00,000 Crore.

The bank achieved its lowest NPA ratios in over two decades, with Gross NPA at 1.47% and Net NPA at 0.38%, reflecting strong asset quality. Capital Adequacy (CRAR) strengthened to 15.67%.

Digital leadership remains a key strategy, with 98.8% of transactions through alternate channels. YONO has 10.5 Crore registered customers. Initiatives like Project SARAL are enhancing customer experience and driving efficiency. The bank is focused on profitable growth with controlled costs and continued digital transformation.