एसबीआई के गत 5 वर्षों के वित्त संबंधी मुख्य बातें

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Share Holder Bond Holder InformationGeneral MeetingAGM NoticeESG Financing Framework 2023Composition Of The Central BoardFAQsDisclosure Under Regulation 46SBI Financial Highlights Past 5 yearsWebcast & Audio CallFinancial ResultsAnnual ReportQuarterly CalenderAnalyst CoverageFeedbackPolicy on Issuance and Allocation of Green Deposits
SBI Financial Highlights Past 5 Years

SBI Financial Highlights Past 5 Years

Table I
Rs. In Crore FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
Deposits 3,241,621 3,681,277 4,051,534 4,423,778 4,916,077
Advances 2,325,290 2,449,498 2,733,967 3,199,269 3,703,971
Investments 1,046,955 1,351,705 1,481,445 1,570,366 1,671,340
Total Assets 3,951,394 4,534,430 4,987,597 5,516,979 6,179,694
Interest Income 257,324 265,151 275,457 332,103 415,131
Interest Expenses 159,239 154,441 154,750 187,263 255,255
Net Interest Income 98,085 110,710 120,708 144,841 159,876
Non-Interest Income 45,221 43,496 40,564 36,616 51,682
Total Operating Income 143,306 154,206 161,272 181,456 211,558
Staff Expenses 45,715 50,936 50,144 57,292 71,237
Overhead Expenses 29,459 31,716 35,836 40,451 46,524
Total Operating Expenses 75,174 82,652 85,979 97,743 117,761
Operating Profit 68,133 71,554 75,292 83,713 93,797
Total Provisions 53,645 51,144 36,198 33,481 25,621
Net Profit 14,488 20,410 31,676 50,232 61,077
USD Conversion Rate     75.7925 82.1700 83.4050
Table II
US $ In Million FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
Deposits 428,417 503,526 534,556 538,369 589,422
Advances 307,314 335,043 360,717 389,348 444,095
Investments 138,367 184,887 195,461 191,112 200,388
Total Assets 522,222 620,220 658,059 671,410 740,926
Interest Income 34,008 36,267 36,344 40,417 49,773
Interest Expenses 21,045 21,124 20,418 22,790 30,604
Net Interest Income 12,963 15,143 15,926 17,627 19,169
Non-Interest Income 5,977 5,949 5,352 4,456 6,197
Total Operating Income 18,940 21,092 21,278 22,083 25,365
Staff Expenses 6,042 6,967 6,616 6,972 8,541
Overhead Expenses 3,893 4,338 4,728 4,923 5,578
Total Operating Expenses 9,935 11,305 11,344 11,895 14,119
Operating Profit 9,005 9,787 9,934 10,188 11,246
Total Provisions 7,090 6,995 4,776 4,075 3,072
Net Profit 1,915 2,792 4,179 6,113 7,323
Table III
Key Financial Indicators FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
ROA 0.38% 0.48% 0.67% 0.96% 1.04%
ROE 7.74% 9.94% 13.92% 19.43% 20.32%
EPS (Rs.) 16.23 22.87 35.49 56.29 68.44
BVPS (Rs.) 219.66 240.53 269.48 309.89 363.84
Dividend Payout Ratio NA 17.49% 20.00% 20.08% 20.02%
Cost/ Income Ratio 52.46% 53.60% 53.31% 53.87% 55.66%
Capital Adequacy Ratio (Basel 3) 13.06% 13.74% 13.83% 14.68% 14.28%
Cost of Deposits (Dom.) 4.94% 4.20% 3.83% 3.99% 4.81%
Yield on Advances (Dom.) 8.72% 7.97% 7.58% 8.10% 8.91%
Yield on Investment (Dom.) 7.19% 6.32% 6.07% 6.51% 7.00%
Net Interest Margin 2.97% 3.04% 3.12% 3.37% 3.28%
Gross NPA Ratio 6.15% 4.98% 3.97% 2.78% 2.24%
Net NPA Ratio 2.23% 1.50% 1.02% 0.67% 0.57%
Provision Coverage Ratio (Excl AUCA) 65.21% 70.88% 75.04% 76.39% 75.02%
Provision Coverage Ratio (Incl AUCA) 83.62% 87.75% 90.20% 91.91% 91.89%
Table IV
Rs. In Crore FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
CAPITAL & LIABILITIES
Capital 892 892 892 892 892
Reserves & Surplus 231,115 252,983 279,196 326,716 376,354
Deposits 3,241,621 3,681,277 4,051,534 4,423,778 4,916,077
Borrowings 314,656 417,298 426,043 493,135 597,561
Other Liabilities & Provisions 163,110 181,980 229,932 272,457 288,810
TOTAL LIABILITIES 3,951,394 4,534,430 4,987,597 5,516,979 6,179,694
ASSETS
Cash & Bank Balances with Reserve Bank of India 166,736 213,202 318,265 247,088 225,142
Balances with banks and money at call & short notice 84,361 129,837 76,287 60,812 85,660
Investments 1,046,955 1,351,705 1,481,445 1,570,366 1,671,340
Advances 2,325,290 2,449,498 2,733,967 3,199,269 3,703,971
Fixed Assets 38,439 38,419 37,708 42,382 42,617
Other Assets 289,614 351,769 339,925 397,062 450,964
TOTAL ASSETS 3,951,394 4,534,430 4,987,597 5,516,979 6,179,694
Table V
US $ In Million FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
CAPITAL & LIABILITIES
Capital 118 122 118 109 107
Reserves & Surplus 30,545 34,603 36,837 39,761 45,124
Deposits 428,417 503,526 534,556 538,369 589,422
Borrowings 41,585 57,078 56,212 60,014 71,646
Other Liabilities & Provisions 21,557 24,891 30,337 33,158 34,627
TOTAL LIABILITIES 522,222 620,220 658,059 671,410 740,926
ASSETS
Cash & Bank Balances with Reserve Bank of India 22,036 29,162 41,992 30,070 26,994
Balances with banks and money at call & short notice 11,149 17,759 10,065 7,401 10,270
Investments 138,367 184,887 195,461 191,112 200,388
Advances 307,314 335,043 360,717 389,348 444,095
Fixed Assets 5,080 5,255 4,975 5,158 5,110
Other Assets 38,276 48,115 44,849 48,322 54,069
TOTAL ASSETS 522,222 620,220 658,059 671,410 740,926
Table VI
Market Related Ratios FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
Share Price (as on last day of the year) Rs. 196.85 364.30 493.55 523.75 752.60
Price to Book Ratio (%) 0.90 1.51 1.83 1.69 2.07
Market Capitalization (Rs. In Cr) 175,681 325,123 440,474 467,427 671,666
Earning Per Share (Rs.) 16.23 22.87 35.49 56.29 68.44
P/E Ratio (%) 12.13 15.93 13.91 9.31 11.00

Last Updated On : Thursday, 20-06-2024

Interest Rates

8.50%* p.a. onwards

w.e.f. 05.04.2024

*T&C Apply.

 

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