SBI

name and background

full

• name: State Bank of India(SBI).

• Founded: 1806 (originally the Bank of Calcutta, later renamed the Imperial Bank of India in 1921, nationalized and renamed in 1955). With a history dating back to the early 19th century, SBI is one of the oldest commercial banks in India.

• Headquarters location: Mumbai

• , IndiaShareholder Background: The Government of India holds 57.4% of the shares, making it the largest shareholder. SBI is a publicly traded company whose shares are listed on the Bombay Stock Exchange (BSE) and the National Stock Exchange (NSE), as well as Global Depositary Receipts (GDRs) on the London Stock Exchange (LSE).

Scope of

servicesSBI operates globally, especially with an extensive network in India.

• Coverage area: Global, SBI covers 29 countries and regions through 241 overseas offices, mainly in Asia, Africa and the Middle East.

• Number of offline outlets: By 2025, SBI has more than 24,000 branches in India, covering both urban and rural areas, serving more than 500 million customers.

• ATM Distribution: More than 65,000 ATMs are located throughout India and in some overseas markets, ensuring that customers can access cash anytime, anywhere.

regulatory and compliance

• regulator: Primarily regulated by the Reserve Bank of India (RBI). As a state-owned bank, SBI is subject to the strict regulatory requirements of the RBI.

• Deposit Insurance Scheme: SBI is a member of the Deposit Insurance and Credit Guarantee Corporation of India (DICGC) and eligible deposits are insured up to Rs 500,000 per depositor.

• Recent Compliance Records: As of May 2025, no significant compliance issues have been identified with SBI. As a large state-owned bank, SBI is heavily regulated, regularly reviewed by the RBI, and has no publicly available record of significant fines or non-compliance in 2025.

Financial

HealthSBI has a solid financial position, good asset quality, and sufficient liquidity, which is suitable for users to quickly judge its financial stability.

• key indicators:

  • capital adequacy ratio: SBI's capital adequacy ratio is higher than regulatory requirements, the specific data is not disclosed, but historical data shows that it is stable at more than 12%, Basel III compliant.

  • Non-performing loan ratio: As of Q4 2025, the Gross NPA ratio and Net NPA are 0.57%, and the asset quality continues to improve.

  • Liquidity Coverage Ratio: As a large bank, SBI is fully liquid, meets the requirements of the RBI, and is able to meet its short-term and long-term funding needs.

In Q4 2025, SBI's net profit was Rs.1,864.3 billion and its operating income grew by 13 per cent, indicating that its core business was solid and its cost-to-income ratio showed high operational efficiency.

Products &

ServicesSBI offers a comprehensive range of financial products and services to meet the diverse needs of individuals, non-resident Indian Ri (NRI) and corporate customers.

• for individuals:

  • savings accounts, time deposits, demand deposits, a variety of options to meet different savings needs.

  • Personal loans include home loans, car loans, education loans, etc., with flexible interest rates.

  • Credit and debit cards come with spending rewards and installment payment options.

  • Investment products include funds, stocks, bonds, and a variety of investment options are provided through SBI Mutual Fund.

  • Insurance products provide life, health and property insurance through its subsidiaries SBI Life and SBI General Insurance.

• For NRI:

  • NRE account (Non-Resident External Rupee Account) is suitable for non-resident Indians to deposit foreign currency.

  • The NRO account (Non-Resident Conventional Account) is used to manage Indian income.

  • The FCNR account (Foreign Currency Non-Resident Account) supports a variety of foreign currency deposits.

  • Remittance services include cross-border transfers to facilitate the flow of funds for NRI clients.

• For businesses:

  • corporate loans, trade finance, cash management services, supporting the development of small and medium-sized enterprises and large enterprises.

  • Investment banking services include M&A advisory, capital markets services and structured finance.

  • Global Market Services offers foreign exchange, interest rate derivatives and credit derivatives trading.

list of common expenses

State Bank of India (SBI) has waived ATM/ADWM transaction rejection fees due to insufficient balance in BSBD and KCC accounts from May 1, 2025.

The

• ATM transaction fee adjustment will take effect from February 1, 2025, and savings accounts will receive 5 free SBI ATM transactions and 10 free ATM transactions from other banks per month.

• Personal Loan Title Custody Fee is charged at Rs 1,000 + GST per quarter for 60 days after the loan is closed.

For details of other fees, please refer to its official website (https://sbi.co.in/web/personal-banking/information-services/kyc-guidelines/revised-service-charges#show)

digital service experience

SBI's digital services, delivered through mobile apps and online banking, are well-received by customers, with medium ratings and comprehensive features.

• APP & Online Banking User Rating:

  • Yono Lite SBI (Android): 4.1 stars (Google Play).

  • Yono Business (Android): 3.4 stars (Google Play)

  • SBI Quick (Android): 4.1 stars (Google Play)

  • iOS version rating is undisclosed but expected to be similar to the Android version.

• Core function:

  • view account balance and transaction history, and update customer funds in real time.

  • Real-time transfers and payments, including cross-border transfers, to facilitate the flow of funds for customers.

  • Bill management and payment, support multiple payment methods.

  • Investment tool integrations, such as fund and stock trading, to meet investment needs.

  • It supports biometric functions such as face recognition and fingerprint login to improve security.

• Technological innovation:

  • AI customer service: support through chatbots to handle common queries.

  • Robo-advisors: Provide personalized investment advice to wealth management clients to improve investment efficiency.

  • Open banking API: Enables third-party applications to access account data and improve financial service integration.

customer

serviceSBI provides a variety of contact methods to ensure that customer needs are responded to in a timely manner, including phone, email, and live chat.

• Tel: +91-22-22713232 (HQ customer service); Branches around the country have local customer service numbers, which is convenient for customers to consult.

• Email: Submit inquiries or feedback through the official website of SBI, and the specific email address needs to be obtained by visiting the official website.

• Live chat: Live chat support is available through the Yono App or official website, and 24-hour online service is available.

Security

MeasuresSBI uses advanced security protocols to protect client information and transactions and ensure account security.

• Two-factor authentication (2FA) for high-risk transactions provides additional protection.

• Biometric login (fingerprint, facial recognition) is supported for customers to quickly access their accounts.

• Protect sensitive information with advanced encryption to prevent data breaches.

• Monitor account activity in real-time, provide instant alerts, and spot unusual transactions in a timely manner.

• Conduct regular security audits to ensure system compliance and security.

Distinctive Services & DifferentiationSBI

stands out for its extensive service network and innovation capabilities, demonstrating its leadership in the Indian financial market.

• Global Services: Through 241 overseas offices, we provide customers with multi-currency accounts and cross-border payment services to facilitate global customer fund management.

• Wealth Management: Provide comprehensive investment advisory and management services for high-net-worth clients, and enhance the appreciation of clients' assets through SBI Wealth.

• Sustainable Finance: Committed to supporting green projects and renewable energy financing, with the goal of providing US$1 billion in financing for sustainable projects by 2025, demonstrating social responsibility.

• Digital innovation: Serving more than 500 million customers by driving financial inclusion and enhancing customer experience through digital platforms such as the Yono App.

The State Bank of India (SBI), as India's largest state-owned commercial bank, has a long history and strong market presence. Its global service network provides a comprehensive range of financial products and services, from personal banking to corporate finance to international business. SBI excels in digital transformation, offering a variety of innovative services while focusing on security and compliance. As a large state-owned bank, SBI is one of the key pillars of India's economic development with a strong financial position and continuous improvement in asset quality.