# State Bank of India > Public sector banks. Figures from the lender's own filings, each checked against the page it came from. Page: https://creditbrief.in/lenders/sbi ## Loan book - ₹49.33 lakh crore on 31 March 2026, the end of FY2025-26 (Gross advances, whole bank). - ₹52.08 lakh crore on 30 Sep 2026, the latest half-year balance. - Source: State Bank of India Analyst Presentation Q4 FY26, PDF page 9: https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf ## Findings - Grew 15% a year from March 2022 to March 2026, faster than 14 of the 29 other banks with like-for-like figures for those years. - Growth picked up to 17% in FY2025-26, from 12% the year before. - Held its place as the biggest of these 33 banks from March 2022 to March 2026. ## What it lends against (30 Sep 2026) - Corporate: ₹14.39 lakh crore (27.6%) - Home Loans: ₹9.86 lakh crore (18.9%) - Foreign Offices Advances: ₹8.31 lakh crore (16%) - SME: ₹6.61 lakh crore (12.7%) - Agri: ₹4.51 lakh crore (8.7%) - Personal Loan: ₹3.79 lakh crore (7.3%) - Other P Seg Loans: ₹1.87 lakh crore (3.6%) - Personal Gold Loans: ₹1.37 lakh crore (2.6%) - Auto Loans: ₹1.36 lakh crore (2.6%) Source: State Bank of India Analyst Presentation Q2 FY27, PDF page 9: https://nsearchives.nseindia.com/corporate/SBIN_03112026135925_Presentation.pdf ## Figures by period | Measure | FY2021-22 (31 Mar 2022) | FY2022-23 (31 Mar 2023) | FY2023-24 (31 Mar 2024) | FY2024-25 (31 Mar 2025) | FY2025-26 (31 Mar 2026) | 30 Sep 2026 | |---|---|---|---|---|---|---| | Loan book (₹ crore) | 28,18,671 | 32,69,242 | 37,67,535 | 42,20,703 | 49,32,627 | 52,08,344 | | Retail, agriculture and MSME loans (₹ crore) | | | 20,90,246 | 23,61,028 | 27,65,097 | 29,37,856 | | Corporate and wholesale loans (₹ crore) | 8,70,712 | 9,79,768 | 11,38,202 | 12,40,592 | 14,24,589 | 14,39,156 | | Deposits (₹ crore) | 40,51,534 | 44,23,778 | 49,16,077 | 53,82,190 | 59,75,642 | 62,77,919 | | CASA ratio (%) | 45.28 | 43.80 | 41.11 | 39.97 | 39.46 | 38.32 | | Branches (Number) | 22,266 | 22,405 | 22,542 | 22,937 | 23,265 | | | Mobile app users (Million) | 48.3 | 61 | 74 | 87.7 | 100.2 | 111 | ### Sources for each figure - Loan book, FY2021-22 (31 Mar 2022): "Gross Advances 25,39,393 28,18,671" (State Bank of India Press Release and Analyst Presentation Q4 FY22, PDF page 10) https://nsearchives.nseindia.com/corporate/SBIN_13052022133832_BSENSEPRAnalystPPTMarch202213052022.pdf - Loan book, FY2022-23 (31 Mar 2023): "Gross Advances 32,69,242 37,67,535" (State Bank of India Analyst Presentation Q4 FY24, PDF page 17) https://nsearchives.nseindia.com/corporate/SBIN_09052024140648_BSE_NSE_Analyst_PPT_09052024.pdf - Loan book, FY2023-24 (31 Mar 2024): "Gross Advances 32,69,242 37,67,535" (State Bank of India Analyst Presentation Q4 FY24, PDF page 17) https://nsearchives.nseindia.com/corporate/SBIN_09052024140648_BSE_NSE_Analyst_PPT_09052024.pdf - Loan book, FY2024-25 (31 Mar 2025): "Gross Advances 42,20,703 49,32,627" (State Bank of India Analyst Presentation Q4 FY26, PDF page 9) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - Loan book, FY2025-26 (31 Mar 2026): "Gross Advances 42,20,703 49,32,627" (State Bank of India Analyst Presentation Q4 FY26, PDF page 9) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - Loan book, 30 Sep 2026: "Gross Advances 44,19,674 52,08,344" (State Bank of India Analyst Presentation Q2 FY27, PDF page 9) https://nsearchives.nseindia.com/corporate/SBIN_03112026135925_Presentation.pdf - Retail, agriculture and MSME loans, FY2023-24 (31 Mar 2024): "RAM Advances Return on Assets FY24 FY25 Growth (%) Net Interest Income 1,59,876 1,66,965 4.43% 23,61,028 20,90,246" (SBI FY25 Analyst Presentation, 3 May 2025, PDF page 16) https://nsearchives.nseindia.com/corporate/SBIN_03052025143523_PPT.pdf - Retail, agriculture and MSME loans, FY2024-25 (31 Mar 2025): "RAM Advances Return on Assets FY25 FY26 (%) Net Interest Income 1,66,340 1,73,120 4.08% 27,65,097 22,62,011 23,61,028" (SBI Analyst Presentation FY26, 8 May 2026, PDF page 9) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - Retail, agriculture and MSME loans, FY2025-26 (31 Mar 2026): "RAM Advances Return on Assets FY25 FY26 (%) Net Interest Income 1,66,340 1,73,120 4.08% 27,65,097" (SBI Analyst Presentation FY26, 8 May 2026, PDF page 9) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - Retail, agriculture and MSME loans, 30 Sep 2026: "RAM 17.34% YoY Deposits Advances Net Interest Margin – Whole Bank (%) 2.96 2.94 -2 bps 22,96,883 Profit & 21,24,266 29,37,856" (SBI Quarterly Results Q2FY27 Analyst Presentation, 3 November 2026, PDF page 9) https://nsearchives.nseindia.com/corporate/SBIN_03112026135925_Presentation.pdf - Corporate and wholesale loans, FY2021-22 (31 Mar 2022): "Corporate 8,18,705 8,70,712 6.35" (SBI Q4FY22 press release and analyst presentation, 13 May 2022, PDF page 11) https://nsearchives.nseindia.com/corporate/SBIN_13052022134116_BSENSEPRAnalystPPTMarch202213052022.pdf - Corporate and wholesale loans, FY2022-23 (31 Mar 2023): "Corporate 9,79,768 11,38,202 16.17" (SBI FY24 Analyst Presentation, 9 May 2024, PDF page 18) https://nsearchives.nseindia.com/corporate/SBIN_09052024140648_BSE_NSE_Analyst_PPT_09052024.pdf - Corporate and wholesale loans, FY2023-24 (31 Mar 2024): "Corporate 9,79,768 11,38,202 16.17" (SBI FY24 Analyst Presentation, 9 May 2024, PDF page 18) https://nsearchives.nseindia.com/corporate/SBIN_09052024140648_BSE_NSE_Analyst_PPT_09052024.pdf - Corporate and wholesale loans, FY2024-25 (31 Mar 2025): "Corporate 12,40,592 14,24,589 14.83" (SBI Analyst Presentation FY26, 8 May 2026, PDF page 10) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - Corporate and wholesale loans, FY2025-26 (31 Mar 2026): "Corporate 12,40,592 14,24,589 14.83" (SBI Analyst Presentation FY26, 8 May 2026, PDF page 10) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - Corporate and wholesale loans, 30 Sep 2026: "Corporate 12,39,346 14,39,156 16.12" (SBI Quarterly Results Q2FY27 Analyst Presentation, 3 November 2026, PDF page 10) https://nsearchives.nseindia.com/corporate/SBIN_03112026135925_Presentation.pdf - Deposits, FY2021-22 (31 Mar 2022): "Total Deposits 36,81,277 40,51,534 10.06" (SBI Q4FY22 press release and analyst presentation, 13 May 2022, PDF page 15) https://nsearchives.nseindia.com/corporate/SBIN_13052022134116_BSENSEPRAnalystPPTMarch202213052022.pdf - Deposits, FY2022-23 (31 Mar 2023): "Total Deposits 44,23,778 49,16,077 11.13" (SBI FY24 Analyst Presentation, 9 May 2024, PDF page 22) https://nsearchives.nseindia.com/corporate/SBIN_09052024140648_BSE_NSE_Analyst_PPT_09052024.pdf - Deposits, FY2023-24 (31 Mar 2024): "Total Deposits 44,23,778 49,16,077 11.13" (SBI FY24 Analyst Presentation, 9 May 2024, PDF page 22) https://nsearchives.nseindia.com/corporate/SBIN_09052024140648_BSE_NSE_Analyst_PPT_09052024.pdf - Deposits, FY2024-25 (31 Mar 2025): "Total Deposits 53,82,190 59,75,642 11.03" (SBI Analyst Presentation FY26, 8 May 2026, PDF page 14) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - Deposits, FY2025-26 (31 Mar 2026): "Total Deposits 53,82,190 59,75,642 11.03" (SBI Analyst Presentation FY26, 8 May 2026, PDF page 14) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - Deposits, 30 Sep 2026: "Total Deposits 55,91,700 62,77,919 12.27" (SBI Quarterly Results Q2FY27 Analyst Presentation, 3 November 2026, PDF page 14) https://nsearchives.nseindia.com/corporate/SBIN_03112026135925_Presentation.pdf - CASA ratio, FY2021-22 (31 Mar 2022): "CASA Deposit grew by 7.78% YoY with CASA ratio of 45.28% as on 31st March 22." (SBI Q4FY22 press release and analyst presentation, 13 May 2022, PDF page 2) https://nsearchives.nseindia.com/corporate/SBIN_13052022134116_BSENSEPRAnalystPPTMarch202213052022.pdf - CASA ratio, FY2022-23 (31 Mar 2023): "CASA ratio stands at 43.80% as on 31st March 23." (SBI Q4FY23 press release and analyst presentation, 18 May 2023, PDF page 2) https://nsearchives.nseindia.com/corporate/SBIN_18052023143736_PressRelease_AnalystPPT_18052023sign.pdf - CASA ratio, FY2023-24 (31 Mar 2024): "CASA ratio stands at 41.11% as on 31st March 24." (SBI press release Q4FY24 Results, 9 May 2024, PDF page 2) https://nsearchives.nseindia.com/corporate/SBIN_09052024141108_BSE_NSE_PressRelease_09052024.pdf - CASA ratio, FY2024-25 (31 Mar 2025): "CASA: 39.97 % CASA: 39.46 %" (SBI Analyst Presentation FY26, 8 May 2026, PDF page 14) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - CASA ratio, FY2025-26 (31 Mar 2026): "CASA: 39.97 % CASA: 39.46 %" (SBI Analyst Presentation FY26, 8 May 2026, PDF page 14) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - CASA ratio, 30 Sep 2026: "CASA: 38.32 %" (SBI Quarterly Results Q2FY27 Analyst Presentation, 3 November 2026, PDF page 14) https://nsearchives.nseindia.com/corporate/SBIN_03112026135925_Presentation.pdf - Branches, FY2021-22 (31 Mar 2022): "No. of ATMs/ ADWMs 15,58,576 22,219 22,266" (SBI Q4FY22 press release and analyst presentation, 13 May 2022, PDF page 44) https://nsearchives.nseindia.com/corporate/SBIN_13052022134116_BSENSEPRAnalystPPTMarch202213052022.pdf - Branches, FY2022-23 (31 Mar 2023): "Branches ATM/ ADWM CSP 22,405 65,627 76,089" (SBI Q4FY23 press release and analyst presentation, 18 May 2023, PDF page 12) https://nsearchives.nseindia.com/corporate/SBIN_18052023143736_PressRelease_AnalystPPT_18052023sign.pdf - Branches, FY2023-24 (31 Mar 2024): "Branches ATM / ADWM CSP 22,542 63,580 82,932" (SBI FY24 Analyst Presentation, 9 May 2024, PDF page 10) https://nsearchives.nseindia.com/corporate/SBIN_09052024140648_BSE_NSE_Analyst_PPT_09052024.pdf - Branches, FY2024-25 (31 Mar 2025): "Branches ATM / ADWM CSP 22,937 63,791 77,251" (SBI FY25 Analyst Presentation, 3 May 2025, PDF page 9) https://nsearchives.nseindia.com/corporate/SBIN_03052025143523_PPT.pdf - Branches, FY2025-26 (31 Mar 2026): "Number of Branches 25,000 20.00 22,542 22,937 23,265" (SBI Analyst Presentation FY26, 8 May 2026, PDF page 15) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - Mobile app users, FY2021-22 (31 Mar 2022): "YONO has 4.83 Cr. registered customers" (SBI Q4FY22 press release and analyst presentation, 13 May 2022, PDF page 37) https://nsearchives.nseindia.com/corporate/SBIN_13052022134116_BSENSEPRAnalystPPTMarch202213052022.pdf - Mobile app users, FY2022-23 (31 Mar 2023): "YONO (Registered 6.1 Cr 7.4 Cr" (SBI FY24 Analyst Presentation, 9 May 2024, PDF page 47) https://nsearchives.nseindia.com/corporate/SBIN_09052024140648_BSE_NSE_Analyst_PPT_09052024.pdf - Mobile app users, FY2023-24 (31 Mar 2024): "YONO (Registered 6.1 Cr 7.4 Cr" (SBI FY24 Analyst Presentation, 9 May 2024, PDF page 47) https://nsearchives.nseindia.com/corporate/SBIN_09052024140648_BSE_NSE_Analyst_PPT_09052024.pdf - Mobile app users, FY2024-25 (31 Mar 2025): "8.77 crore registered users on YONO" (SBI FY25 Analyst Presentation, 3 May 2025, PDF page 6) https://nsearchives.nseindia.com/corporate/SBIN_03052025143523_PPT.pdf - Mobile app users, FY2025-26 (31 Mar 2026): "10.02 crore registered users on YONO" (SBI Analyst Presentation FY26, 8 May 2026, PDF page 6) https://nsearchives.nseindia.com/corporate/SBIN_08052026142836_Presentation.pdf - Mobile app users, 30 Sep 2026: "YONO No. of BC 79.0 K 79.9 K 9.3 Cr 11.1 Cr" (SBI Quarterly Results Q2FY27 Analyst Presentation, 3 November 2026, PDF page 33) https://nsearchives.nseindia.com/corporate/SBIN_03112026135925_Presentation.pdf CreditBrief is independent and not linked to any lender. Not investment advice.