SBI’s Scalable Model To Sustain Growth

New Delhi: SBI Chairman C S Setty has said the bank is building a scalable model for sustainable returns based on disciplined cost management, low-cost deposits, and expansion of fee-based income.

“With strong CASA (Current Account and Savings Account) growth, digital cross-sell capabilities, and margin-sensitive asset allocation, we are building a scalable model for sustainable returns,” he said in a message to the shareholders of the bank. “Together, these strategic levers position us not just as India’s largest bank, but as its most forward-looking — balancing trust, scale, and innovation to deliver long-term value for customers and investors alike,” he said in an annual report for 2024-25. SBI logged a net profit of Rs 70,901 crore in FY25, 16 per cent higher than Rs 61,077 crore in the previous fiscal.

SBI’s strategic focus is on improving operational efficiency, enhancing customer experience, sustaining market leadership, strengthening human resource capabilities, supporting risk-adjusted growth, and improving profitability. SBI is also streamlining processes using automation and data-driven decision-making. The bank has taken several steps, including simplifying onboarding, enabling vernacular voice banking, and ensuring 24/7 digital support.