The Pillars of our Excellence are

Consistency through Trust

Through decades of service, SBI has remained steadfast in its mission - delivering dependable financial solutions, maintaining governance standards, and nurturing lasting relationships. Our ability to offer continuity in an ever-changing world reinforces our role as a reliable partner for individuals, businesses, and the nation.

Productivity Driving Progress

SBI continues to optimise its resources, embrace digital innovation and streamline operations to serve more, faster and better. Whether through enhanced customer experiences or stronger internal efficiencies, our focus on productivity ensures that growth is not only robust but sustainable.

Resilience as Response

In the face of global volatility and domestic challenges, SBI remains agile and adaptive. Our resilience is visible in how we navigate disruptions, support stakeholders, and build systems that withstand shocks — while staying aligned to our long-term purpose.

Financial Highlights 2025
1.10%

ROA


1.82%

Gross NPA

32.58%

Market share (loan portfolio) as the largest Education Loan provider in India

70,901 Crore

Net Profit FY2025

9.93%

YoY Growth in Fee Income

9.48%

YoY Growth in Deposits

Non-Financial Highlights 2025
14,998

GCC enabled Branches


Opened

~151 Million

PMJDY accounts through BC channel

8.77 Crore

Registered
YONO customers

24.07Crore

active debit card users

174.84 Crore

Transactions through CMP

22,937

Branches across 17 Circles

SBI AT A GLANCE
Redefining Banking for
More than Two Centuries

Vision

Be the bank of choice for a transforming India

Mission

Committed to providing simple, responsive and innovative financial solutions

KNOW MORE
Banking Highlights
220 Million

financial and 110 Million non-financial UPI transactions processed by your Bank daily

63,791

ATMs including 13,366 ADWMs

29.07%

Market share of ATMs and ADWMs installed

15 languages

integrated into your Bank’s Customer Request and Complaint Form (CRCF) portal

CSR Highlights
153 RSETIs

Across the Nation

` 87.97 Lakh

CSR spend

` 610.77 Crore

Total CSR Expenditure

16.21 Lakh

Trees planted nationwide

CHAIRMAN’S MESSAGE
Bank of Choice Yesterday,
Today and Tomorrow
Challa Sreenivasulu Setty
To improve operational efficiency, we are streamlining processes using automation and data-driven decision-making.

Challa Sreenivasulu Setty

Chairman

Dear Shareholders,

With a 52 Crore customer base and growing, your Bank is committed to offering excellence in customer experience. Hence, the importance of customer centricity and
long-term relationships cannot be overstated.

PRODUCTS AND SERVICES
Empowering Every
Customer

Personal
Banking

Key Milestones

  • Home Loan Portfolio grew from `1 Trillion (March 2011) to `8.31 Trillion (March 2025).
  • Home loans constitute 23.07% of total domestic advances and 35.19% of NBG advances.
  • `2.28 trillion disbursed in home and related loans (FY2025).

SME
Banking

Key Milestones

  • 2,155 RMs and 868 SME Intensive Branches operational across India.
  • SME portfolio of `5.06 Trillion.
  • Registered 16.86% YoY growth.

Rural
Banking

Key Milestones

  • Lending in Agriculture and Allied activities surpassed `3.48 Trillion (March 25).
  • Achieved over `6,400 Crore growth in Agri & Food Enterprise Loan and Kisan Samriddhi Rin.
  • Market leader in Self-Help Group loans.

Corporate
Banking

Key Milestones

  • Operates through 56 branches of our Corporate Accounts Group and Commercial Clients Group.
  • Total Corporate credit portfolio `12.41 Trillion.

International
Banking Group

Key Milestones

  • 5 Central Treasuries for ALM and fund management.
  • YONO digital banking in all 14 retail hubs.
  • 223 Correspondent Banks (55 countries) and fintech partnerships.

Government
Business

Key Milestones

  • Accredited banker for 26 major Central Government ministries and departments.
  • Largest market share in Government Business, accounting for ~62% of turnover in Central Government sector.
Responsible Approach
ENVIRONMENT
Banking on
Sustainability

We believe that true progress is measured not only in financial growth but also in environmental responsibility. SBI actively integrates sustainability into its business practices, supporting green initiatives, renewable energy and eco-conscious development for a healthier planet.

Explore ENVIRONMENT
CUSTOMERS
Bridging Dreams with
Financial Solutions

SBI stands as a bridge for Millions of customers, connecting their aspirations with the financial tools they need to realise them. Whether for personal growth, home ownership, or business expansion, we offer a spectrum of products and services designed to help our customers thrive in an ever-changing world.

Explore CUSTOMERS
PEOPLE
A Future-ready
Workforce

As banking evolves, so do the skills and capabilities of our people. Through robust training, digital upskilling, and leadership development, we are preparing our workforce to navigate the future with confidence and clarity. Our focus remains on creating an inclusive, purpose-driven work environment that supports innovation and growth.

Explore people
COMMUNITY
Growing Together

Your Bank’s commitment goes far beyond financial services — it is deeply rooted in creating lasting impact across communities. Through focused CSR initiatives, inclusive development programmes, and partnerships that empower, your Bank continues to uplift lives, bridge inequalities, and nurture resilience at the grassroots level. Every initiative echoes a single vision: growth that’s inclusive, sustainable, and people-first.

Explore COMMUNITY
AWARDS AND RECOGNITIONS
Celebrating
Milestones

State Bank of India (SBI) was named the Best Bank in India for 2024 by Global Finance Magazine at its 31st Annual Best Bank Awards in Washington, D.C.

Recognised among the World’s Best Trade Finance Providers 2025 by the Global Finance Magazine, New York

Ranked 4th Most Trustworthy Bank Globally
by Newsweek for the year 2024

Awarded the Best Bank in Retail Finance Category by Federation of Automobile Dealers Association, India (FADA)