SBI Financial Highlights Past 5 Years

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SBI Financial Highlights Past 5 Years

SBI Financial Highlights Past 5 Years

Table I
Rs. In Crore FY 2018 FY 2019 FY 2020 FY 2021 FY 2022
Deposits 2,706,343 2,911,386 3,241,621 3,681,277 4,051,534
Advances 1,934,880 2,185,877 2,325,290 2,449,498 2,733,967
Investments 1,060,987 967,022 1,046,955 1,351,705 1,481,445
Total Assets 3,454,752 3,680,914 3,951,394 4,534,430 4,987,597
Interest Income 220,499 242,869 257,324 265,151 275,457
Interest Expenses 145,646 154,520 159,239 154,441 154,750
Net Interest Income 74,854 88,349 98,085 110,710 120,708
Non-Interest Income 44,601 36,775 45,221 43,496 40,564
Total Operating Income 119,454 125,124 143,306 154,206 161,272
Staff Expenses 33,179 41,055 45,715 50,936 50,144
Overhead Expenses 26,765 28,633 29,459 31,716 35,836
Total Operating Expenses 59,943 69,688 75,174 82,652 85,979
Operating Profit 59,511 55,436 68,133 71,554 75,292
Total Provisions 66,058 54,574 53,645 51,144 36,198
Net Profit -6,547 862 14,488 20,410 31676*

* After accounting for provision of Rs. 7,418 crore on account of change in family pension rules 

Table II
US $ In Million FY 2018 FY 2019 FY 2020 FY 2021 FY 2022
Deposits 415,243 420,994 428,417 503,526 534,556
Advances 296,875 316,084 307,314 335,043 360,717
Investments 162,790 139,834 138,367 184,887 195,461
Total Assets 530,073 532,270 522,222 620,220 658,059
Interest Income 33,832 35,119 34,008 36,267 36,344
Interest Expenses 22,347 22,344 21,045 21,124 20,418
Net Interest Income 11,485 12,775 12,963 15,143 15,926
Non-Interest Income 6,843 5,318 5,977 5,949 5,352
Total Operating Income 18,328  18,093 18,940 21,092 21,278
Staff Expenses 5,091 5,937 6,042 6,967 6,616
Overhead Expenses 4,107 4,140 3,893 4,338 4,728
Total Operating Expenses 9,197 10,077 9,935 11,305 11,344
Operating Profit 9,131 8,016 9,005 9,787 9,934
Total Provisions 10,136 7,892 7,090 6,995 4,776
Net Profit -1,005 125 1,915 2,792 4179*

* After accounting for provision of USD 979 Mn on account of change in family pension rules 

Table III
Key Financial Indicators FY 2018 FY 2019 FY 2020 FY 2021 FY 2022
ROA -0.19% 0.02% 0.38% 0.48% 0.67%
ROE -3.78% 0.48% 7.74% 9.94% 13.92%
EPS (Rs.) -7.67 0.97 16.23 22.87 35.49
BVPS (Rs.) 198.54 200.07 219.66 240.53 269.48
Dividend Payout Ratio NA NA NA 17.49% 20.00%
Cost/ Income Ratio 50.18% 55.70% 52.46% 53.60% 53.31%
Capital Adequacy Ratio (Basel 3) 12.60% 12.72% 13.06% 13.74% 13.83%
Cost of Deposits  5.30% 5.10% 4.94% 4.20% 3.83%
Yield on Advances  8.28% 8.49% 8.72% 7.97% 7.58%
Yield on Resources Deployed 7.31% 7.35% 7.19% 6.32% 6.07%
Net Interest Margin 2.50% 2.78% 2.97% 3.04% 3.12%
Gross NPA Ratio 10.91% 7.53% 6.15% 4.98% 3.97%
Net NPA Ratio 5.73% 3.01% 2.23% 1.50% 1.02%
Provision Coverage Ratio (Excl AUCA) 50.38% 61.86% 65.21% 70.88% 75.04%
Provision Coverage Ratio (Incl AUCA) 66.17% 78.73% 83.62% 87.75% 90.20%
Table IV
Rs. In Crore FY 2018 FY 2019 FY 2020 FY 2021 FY 2022
CAPITAL & LIABILITIES
Capital 892 892 892 892 892
Reserves & Surplus 218,236 220,021 231,115 252,983 279,196
Deposits 2,706,343 2,911,386 3,241,621 3,681,277 4,051,534
Borrowings 362,142 403,017 314,656 417,298 426,043
Other Liabilities & Provisions 167,138 145,597 163,110 181,980 229,932
TOTAL LIABILITIES 3,454,752 3,680,914 3,951,394 4,534,430 4,987,597
ASSETS
Cash & Bank Balances with Reserve Bank of India 150,397 176,932 166,736 213,202 257,859
Balances with banks and money at call & short notice 41,501 45,558 84,361 129,837 136,693
Investments 1,060,987 967,022 1,046,955 1,351,705 1,481,445
Advances 1,934,880 2,185,877 2,325,290 2,449,498 2,733,967
Fixed Assets 39,992 39,198 38,439 38,419 37,708
Other Assets 226,994 266,328 289,614 351,769 339,925
TOTAL ASSETS 3,454,752 3,680,914 3,951,394 4,534,430 4,987,597
Table V
US $ In Million FY 2018 FY 2019 FY 2020 FY 2021 FY 2022
CAPITAL & LIABILITIES
Capital 137 129 118 122 118
Reserves & Surplus 33,485 31,816 30,545 34,603 36,837
Deposits 415,243 420,994 428,417 503,526 534,556
Borrowings 55,565 58,277 41,585 57,078 56,212
Other Liabilities & Provisions 25,645 21,054 21,557 24,891 30,337
TOTAL LIABILITIES 530,073 532,270 522,222 620,220 658,059
ASSETS
Cash & Bank Balances with Reserve Bank of India 23,076 25,585 22,036 29,162 34,022
Balances with banks and money at call & short notice 6,368 6,588 11,149 17,759 18,035
Investments 162,790 139,834 138,367 184,887 195,461
Advances 296,875 316,084 307,314 335,043 360,717
Fixed Assets 6,136 5,668 5,080 5,255 4,975
Other Assets 34,828 38,512 38,276 48,115 44,849
TOTAL ASSETS 530,073 532,270 522,222 620,220 658,059
Table VI
Market Related Ratios FY 2018 FY 2019 FY 2020 FY 2021 FY 2022
Share Price (as on last day of the year) Rs. 249.90 320.75 196.85 364.30 493.55
Price to Book Ratio (%) 1.26 1.60 0.90 1.51 1.83
Market Capitalization (Rs. In Cr) 223,046 286,257 175,681 325,123 440,474
Earning Per Share (Rs.) -7.67 0.97 16.23 22.87 35.49
P/E Ratio (%) -32.58 330.67 12.13 15.93 13.91

Last Updated On : Wednesday, 20-07-2022

Interest Rates

8.60%* p.a.

w.e.f. 26.01.2023

*T&C Apply.

 

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