SBI plan
India’s economy is continuously growing rapidly. Many important decisions are also being taken by the government to maintain the health of the country at the economic level. In this sequence, RBI has also taken steps for banking reforms, which is expected to give a boost to this sector. The dominance of India’s banking sector can be seen in the world in the coming times. Because a day after State Bank of India, the country’s largest public sector bank, crossed the Rs 100 lakh crore turnover mark, it has set a target of joining the top 10 most valuable banks in the world by 2030.
SBI Chairman CS Setty said that the bank, which is the largest government asset by market cap, aims to further increase its value. Although HDFC Bank has already made it to the top 10 leaderboard, in future it may also get a place among ICICI Bank and SBI. Setti said the bank aims to maintain its capital adequacy ratio (CAR) of 15% and core equity ratio (CET-1) of 12%. By the end of September 2025, the bank’s CAR was 14.62% and CET-1 was 11.47%, which is very close to its target.
He said that although we have earned good profits in the last few years, our capital ratio is still lower than many banks. Our target is to achieve 15% CAR and 12% CET-1. This is a combination of our future needs and a strong capital level. This has always been our view. Capital never became a hindrance in our growth. In the last four-five years, due to increase in profits, our capital has also increased and we have always had growth-supporting capital of Rs 6 to 7 trillion.
capital ratio
He said that the purpose of increasing the capital ratio is to ensure that the bank has adequate security buffer. SBI has achieved this level of Rs 100 lakh crore, which includes both the total loans given and total deposits of the bank. SBI is the largest bank in the country in terms of number of branches and total loans.
On Thursday, the bank’s market capitalization crossed $100 billion and it joined big groups like HDFC Bank, TCS, Reliance Industries, Bharti Airtel and ICICI Bank. On Tuesday, SBI reported a net profit of Rs 20,160 crore for the September 2025 quarter, a 10% year-on-year increase. This was due to increase in retail, agriculture and MSME loans and profit from selling stake in Yes Bank. As of September 2025, the total loans of the bank were Rs 44.20 lakh crore and total deposits were Rs 55.92 lakh crore.