SBIN

Scale & Reach

State Bank of India (SBIN) – Overview State Bank of India (SBI) is India’s largest commercial bank, majority owned by the Government of India. With a history dating back over 200 years, SBI is considered the backbone of India’s banking sector and plays a crucial role in financial inclusion, rural banking, and large-scale lending. Its headquarters is in Mumbai. Scale & Reach Balance Sheet Size: Over ₹60 lakh crore (FY25). Market Share: Holds the largest share of deposits and advances in the Indian banking system. Customer Base: More than 50 crore customers served. Branches & ATMs: Over 22,000 branches and nearly 63,000 ATMs across India. Employees: Largest employer in the sector with over 2.5 lakh staff. Global Presence: Subsidiaries, branches, and offices in over 30 countries, serving NRIs and global corporates. Services & Segments Retail Banking – Savings accounts, personal loans, home loans, education loans, debit/credit cards, mobile banking. Corporate Banking – Financing for corporates, infrastructure lending, treasury, trade finance, cash management. Agricultural & Rural Banking – Priority sector lending, Kisan Credit Card, microfinance, rural development schemes. Subsidiaries – SBI Life Insurance, SBI Mutual Fund, SBI Cards, SBI Capital Markets, SBI General Insurance. Digital Banking – YONO app (You Only Need One) is a leading platform for digital financial services in India. Recent Performance Net profit for FY25 crossed ₹60,000 crore, making SBI the most profitable Indian bank. Strong loan growth across retail and corporate segments. Asset quality improved, with Gross NPA ratio trending below 3%. Credit cost and provisions remain under control, reflecting robust risk management. Net Interest Margin (NIM) maintained around ~3.3–3.4%.