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Investor Presentation

State Bank of India Investor Presentation: Key Takeaways

SBI delivered strong Q1FY27 results with Net Profit reaching ₹21,121 Cr (up 10.23% YoY) and Operating Profit at ₹33,529 Cr (up 9.77% YoY). RoA stood at 1.11% with historic low NPA ratios.

Highlights
Revenue growthNet Interest Income grew 14.88% YoY.
MarginsDomestic NIM at 3.00%; whole bank NIM slightly compressed to 2.86%.
Order bookGross advances reached ₹50.47 Lakh Crore.
Demand visibilityStrong credit growth across Agri (25.43%) and SME (22.33%) segments.
Management confidenceStrong; highlighted 'Strong & Sustainable Performance' and 'Future-Ready' foundation.

Growth

Gross advances grew 18.63% YoY to ₹50 Trillion, while deposits increased 9.73% YoY to ₹60 Trillion. NII rose 14.88% YoY.

Outlook

Focus on digital leadership via YONO (10.5 Cr users) and maintaining RAM portfolio share (66.78%) while sustaining asset quality.

Risks

NIM (Whole Bank) compressed by 3 bps YoY to 2.86%. Non-interest income declined 9.07% due to investment valuation and forex drops.

Source

Investor Presentation filed with NSE, NSE: SBIN. Summary written with AI assistance from the document.

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State Bank of India: key numbers

Share price
₹983.00
Market cap
₹9,07,370 Cr
Revenue (annual)
₹5,14,933 Cr
Net profit (annual)
₹83,299 Cr
P/E (TTM)
10.5×Sector 22.0×
Promoter holding
55.47%-0.05% QoQ
FII holding
10.81%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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13:21 IST NSE
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State Bank of India Debt & Borrowing: ₹549.8 Cr

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