SBI crossed ₹100 lakh crore in total business in FY26’s second quarter. Chairman CS Setty expects the ₹200 lakh crore target to be reached in three to four years. Over the past five years, deposits recorded average annual growth of 10%, while advances grew 14–15%; management expects to sustain that pace.

Funding is another priority. SBI is pursuing $10 billion through FCNR(B) deposits, which let non-resident Indians hold savings in foreign currency, mainly from Asian markets. It has raised $1.5 billion so far. The report says the RBI shifted the deadline to August 31. Such funding is intended to limit dependence on large corporate deposits and support longer-term funding stability.

Retail, agriculture and MSME lending account for 67% of SBI’s domestic loan portfolio, with corporate lending making up 33%. Its MSME book is expanding at 19–20%. Digital credit processing, automated loan assessment and rule-based systems have helped speed up approvals for smaller businesses.

Setty also highlighted the need to attract younger customers entering employment. SBI increased its market share across more than 400 districts last year, and its share exceeds 60% in some areas. Alongside this customer push, the bank is seeking lending opportunities in data centres and semiconductor manufacturing.