What we do State Bank of India is India's largest public sector bank offering a wide range of banking and financial services including retail, corporate, treasury, and insurance operations. |
Founded in 1,955 |
Market share Leading market share in domestic banking with over 22% credit share and largest branch network of over 22,000 branches. |
Problem solved Provides accessible financial solutions across retail, corporate, and rural sectors, enhancing financial inclusion and economic growth. |
Top clients or who we serve Serves individuals, SMEs, corporates, public sector entities, NRIs; operates B2C, B2B, and B2G segments with a global presence. |
Key management Mr. Dinesh Kumar Khara, Chairman, a seasoned banker with extensive leadership experience at SBI. |
Our journey and innovations Founded in 1955 after nationalization; pioneered multiple products like online tax payments, digital banking (YONO), and integrated insurance services. |
Where we operate India-wide coverage with over 22,500 branches; international presence with offices in 29 countries and multiple overseas subsidiaries. |
Top products or what we offer Products include retail banking, corporate loans, treasury services, digital banking platforms (YONO), insurance through SBI Life, mutual funds, and treasury. |
Top brands State Bank of India (SBI) - flagship banking brand; SBI Life Insurance - major insurance JV; YONO - digital banking platform with 9.6 crore users. |
Raw materials needed Not applicable for banking sector. |
Raw materials supplier Not applicable for banking sector. |
Recurring vs cyclical contribution Most revenue is recurring from interest, fees, and service charges, with stable deposit and loan portfolios. |
Our industry position Market leader in Indian banking with strong asset quality, robust capital adequacy, and diversified revenue streams. |
Financial highlights FY2025 revenue Rs 4.91 lakh Cr with net profit Rs 77,561 Cr; steady growth in advances and deposits; ROE 20.7%; NIM ~3%. |
Geographical revenue split Majority revenue (~93%) from domestic operations; foreign offices contribute the rest (~7%). |
Order book - |
Whats driving growth Credit growth in retail, SME, and corporate segments; digital adoption; asset quality improvement; expansive branch network. |
Our future plans Enhance digital platforms, expand international presence, strengthen sustainability initiatives, and improve operational efficiency. |
Our green promise Committed to ESG with renewable energy financing, climate risk management, and substantial green portfolio financing. |
Our people and values Employs over 2.45 lakh workforce committed to diversity, professional development and ethical business practices. |
Key challenges ahead Maintaining asset quality in stressed sectors, digitization risks, regulatory compliance and macroeconomic uncertainties. |
Interesting facts Second bank globally after ICBC to cross 10,000 branches; Forbes ranks SBI among top 10 most reputable companies globally. |
Risks and strategy Risks include credit and market risks; SBI employs strong risk management, diversified portfolio, and ample provisioning to mitigate. |
