एसबीआई के गत 5 वर्षों के वित्त संबंधी मुख्य बातें

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SBI Financial Highlights Past 5 Years

SBI Financial Highlights Past 5 Years

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 

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 

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%
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
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
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

8.50%* p.a. onwards

w.e.f. 05.04.2024

*T&C Apply.

 

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