SBI Financial Highlights Past 5 years - Investor Relations
एसबीआई के गत 5 वर्षों के वित्त संबंधी मुख्य बातें
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SBI Financial Highlights Past 5 Years
1.STATE BANK OF INDIA - FINANCIAL HIGHLIGHTS 2019-2023
Table I
Rs. In Crore | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 |
---|---|---|---|---|---|
Deposits | 2,911,386 | 3,241,621 | 3,681,277 | 4,051,534 | 4,423,778 |
Advances | 2,185,877 | 2,325,290 | 2,449,498 | 2,733,967 | 3,199,269 |
Investments | 967,022 | 1,046,955 | 1,351,705 | 1,481,445 | 1,570,366 |
Total Assets | 3,680,914 | 3,951,394 | 4,534,430 | 4,987,597 | 5,516,979 |
Interest Income | 242,869 | 257,324 | 265,151 | 275,457 | 332,103 |
Interest Expenses | 154,520 | 159,239 | 154,441 | 154,750 | 187,263 |
Net Interest Income | 88,349 | 98,085 | 110,710 | 120,708 | 144,841 |
Non-Interest Income | 36,775 | 45,221 | 43,496 | 40,564 | 36,616 |
Total Operating Income | 125,124 | 143,306 | 154,206 | 161,272 | 181,456 |
Staff Expenses | 41,055 | 45,715 | 50,936 | 50,144 | 57,292 |
Overhead Expenses | 28,633 | 29,459 | 31,716 | 35,836 | 40,451 |
Total Operating Expenses | 69,688 | 75,174 | 82,652 | 85,979 | 97,743 |
Operating Profit | 55,436 | 68,133 | 71,554 | 75,292 | 83,713 |
Total Provisions | 54,574 | 53,645 | 51,144 | 36,198 | 33,481 |
Net Profit | 862 | 14,488 | 20,410 | 31,676* | 50,232 |
* After accounting for provision of Rs. 7,418 crore on account of change in family pension rules
2.STATE BANK OF INDIA -FINANCIAL HIGHLIGHTS-2019-2023 (IN US $)
Table II
US $ In Million | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 |
---|---|---|---|---|---|
Deposits | 420,994 | 428,417 | 503,526 | 534,556 | 538,369 |
Advances | 316,084 | 307,314 | 335,043 | 360,717 | 389,348 |
Investments | 139,834 | 138,367 | 184,887 | 195,461 | 191,112 |
Total Assets | 532,270 | 522,222 | 620,220 | 658,059 | 671,410 |
Interest Income | 35,119 | 34,008 | 36,267 | 36,344 | 40,417 |
Interest Expenses | 22,344 | 21,045 | 21,124 | 20,418 | 22,790 |
Net Interest Income | 12,775 | 12,963 | 15,143 | 15,926 | 17,627 |
Non-Interest Income | 5,318 | 5,977 | 5,949 | 5,352 | 4,456 |
Total Operating Income | 18,093 | 18,940 | 21,092 | 21,278 | 22,083 |
Staff Expenses | 5,937 | 6,042 | 6,967 | 6,616 | 6,972 |
Overhead Expenses | 4,140 | 3,893 | 4,338 | 4,728 | 4,923 |
Total Operating Expenses | 10,077 | 9,935 | 11,305 | 11,344 | 11,895 |
Operating Profit | 8,016 | 9,005 | 9,787 | 9,934 | 10,188 |
Total Provisions | 7,892 | 7,090 | 6,995 | 4,776 | 4,075 |
Net Profit | 125 | 1,915 | 2,792 | 4,179* | 6,113 |
* After accounting for provision of USD 979 Mn on account of change in family pension rules
3.STATE BANK OF INDIA - KEY FINANCIAL INDICATORS
Table III
Key Financial Indicators | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 |
---|---|---|---|---|---|
ROA | 0.02% | 0.38% | 0.48% | 0.67% | 0.96% |
ROE | 0.48% | 7.74% | 9.94% | 13.92% | 19.43% |
EPS (Rs.) | 0.97 | 16.23 | 22.87 | 35.49 | 56.29 |
BVPS (Rs.) | 200.07 | 219.66 | 240.53 | 269.48 | 309.89 |
Dividend Payout Ratio | NA | NA | 17.49% | 20.00% | 20.08% |
Cost/ Income Ratio | 55.70% | 52.46% | 53.60% | 53.31% | 53.87% |
Capital Adequacy Ratio (Basel 3) | 12.72% | 13.06% | 13.74% | 13.83% | 14.68% |
Cost of Deposits (Dom.) | 5.10% | 4.94% | 4.20% | 3.83% | 3.99% |
Yield on Advances (Dom.) | 8.49% | 8.72% | 7.97% | 7.58% | 8.10% |
Yield on Investment (Dom.) | 7.35% | 7.19% | 6.32% | 6.07% | 6.51% |
Net Interest Margin | 2.78% | 2.97% | 3.04% | 3.12% | 3.37% |
Gross NPA Ratio | 7.53% | 6.15% | 4.98% | 3.97% | 2.78% |
Net NPA Ratio | 3.01% | 2.23% | 1.50% | 1.02% | 0.67% |
Provision Coverage Ratio (Excl AUCA) | 61.86% | 65.21% | 70.88% | 75.04% | 76.39% |
Provision Coverage Ratio (Incl AUCA) | 78.73% | 83.62% | 87.75% | 90.20% | 91.91% |
4.SUMMARY OF STATE BANK OF INDIA'S BALANCE SHEET
Table IV
Rs. In Crore | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 |
---|---|---|---|---|---|
CAPITAL & LIABILITIES | |||||
Capital | 892 | 892 | 892 | 892 | 892 |
Reserves & Surplus | 220,021 | 231,115 | 252,983 | 279,196 | 326,716 |
Deposits | 2,911,386 | 3,241,621 | 3,681,277 | 4,051,534 | 4,423,778 |
Borrowings | 403,017 | 314,656 | 417,298 | 426,043 | 493,135 |
Other Liabilities & Provisions | 145,597 | 163,110 | 181,980 | 229,932 | 272,457 |
TOTAL LIABILITIES | 3,680,914 | 3,951,394 | 4,534,430 | 4,987,597 | 5,516,979 |
ASSETS | |||||
Cash & Bank Balances with Reserve Bank of India | 176,932 | 166,736 | 213,202 | 318,265 | 247,088 |
Balances with banks and money at call & short notice | 45,558 | 84,361 | 129,837 | 76,287 | 60,812 |
Investments | 967,022 | 1,046,955 | 1,351,705 | 1,481,445 | 1,570,366 |
Advances | 2,185,877 | 2,325,290 | 2,449,498 | 2,733,967 | 3,199,269 |
Fixed Assets | 39,198 | 38,439 | 38,419 | 37,708 | 42,382 |
Other Assets | 266,328 | 289,614 | 351,769 | 339,925 | 397,062 |
TOTAL ASSETS | 3,680,914 | 3,951,394 | 4,534,430 | 4,987,597 | 5,516,979 |
5.SUMMARY OF STATE BANK OF INDIA'S BALANCE SHEET (IN US$)
Table V
US $ In Million | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 |
---|---|---|---|---|---|
CAPITAL & LIABILITIES | |||||
Capital | 129 | 118 | 122 | 118 | 109 |
Reserves & Surplus | 31,816 | 30,545 | 34,603 | 36,837 | 39,761 |
Deposits | 420,994 | 428,417 | 503,526 | 534,556 | 538,369 |
Borrowings | 58,277 | 41,585 | 57,078 | 56,212 | 60,014 |
Other Liabilities & Provisions | 21,054 | 21,557 | 24,891 | 30,337 | 33,158 |
TOTAL LIABILITIES | 532,270 | 522,222 | 620,220 | 658,059 | 671,410 |
ASSETS | |||||
Cash & Bank Balances with Reserve Bank of India | 25,585 | 22,036 | 29,162 | 41,992 | 30,070 |
Balances with banks and money at call & short notice | 6,588 | 11,149 | 17,759 | 10,065 | 7,401 |
Investments | 139,834 | 138,367 | 184,887 | 195,461 | 191,112 |
Advances | 316,084 | 307,314 | 335,043 | 360,717 | 389,348 |
Fixed Assets | 5,668 | 5,080 | 5,255 | 4,975 | 5,158 |
Other Assets | 38,512 | 38,276 | 48,115 | 44,849 | 48,322 |
TOTAL ASSETS | 532,270 | 522,222 | 620,220 | 658,059 | 671,410 |
6.STATE BANK OF INDIA MARKET RELATED RATIOS
Table VI
Market Related Ratios | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 |
---|---|---|---|---|---|
Share Price (as on last day of the year) Rs. | 320.75 | 196.85 | 364.30 | 493.55 | 523.75 |
Price to Book Ratio (%) | 1.60 | 0.90 | 1.51 | 1.83 | 1.69 |
Market Capitalization (Rs. In Cr) | 286,257 | 175,681 | 325,123 | 440,474 | 467,427 |
Earning Per Share (Rs.) | 0.97 | 16.23 | 22.87 | 35.49 | 56.29 |
P/E Ratio (%) | 330.67 | 12.13 | 15.93 | 13.91 | 9.31 |
Last Updated On : Friday, 16-06-2023
Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above