एसबीआई के गत 5 वर्षों के वित्त संबंधी मुख्य बातें

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Share Holder Bond Holder InformationGeneral MeetingAnnual General MeetingESG Financing FrameworkComposition Of The Central BoardFAQsDisclosure Under Regulation 46SBI Financial Highlights Past 5 yearsWebcast & Audio CallFinancial ResultsAnnual ReportQuarterly CalenderAnalyst CoveragePolicy on Issuance and Allocation of Green DepositsImpact Analysis and Post Issuance Assurance Of Green Bond
SBI Financial Highlights Past 5 Years
SBI Financial Highlights Past 5 Years
SBI Financial Highlights Past 5 Years

SBI Financial Highlights Past 5 Years

Table I
Rs. In Crore FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Deposits 36,81,277 40,51,534 44,23,778 49,16,077 53,82,190
Advances 24,49,498 27,33,967 31,99,269 37,03,971 41,63,312
Investments 13,51,705 14,81,445 15,70,366 16,71,340 16,90,573
Total Assets 45,34,430 49,87,597 55,16,979 61,79,694 66,76,053
Interest Income 2,65,151 2,75,457 3,32,103 4,15,131 4,62,489
Interest Expenses 1,54,441 1,54,750 1,87,263 2,55,255 2,95,524
Net Interest Income 1,10,710 1,20,708 1,44,841 1,59,876 1,66,965
Non-Interest Income 43,496 40,564 36,616 51,682 61,683
Total Operating Income 1,54,206 1,61,272 1,81,456 2,11,558 2,28,648
Staff Expenses 50,936 50,144 57,292 71,237 64,352
Overhead Expenses 31,716 35,836 40,451 46,524 53,717
Total Operating Expenses 82,652 85,979 97,743 1,17,761 1,18,069
Operating Profit 71,554 75,292 83,713 93,797 1,10,579
Total Provisions 51,144 36,198 33,481 25,621 39,679
Net Profit 20,410 31,676 50,232 61,077 70,901
USD Conversion Rate   75.7925 82.1700 83.4050 85.4750
Table II
US $ In Million FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Deposits 5,03,526 5,34,556 5,38,369 5,89,422 6,29,680
Advances 3,35,043 3,60,717 3,89,348 4,44,095 4,87,080
Investments 1,84,887 1,95,461 1,91,112 2,00,388 1,97,786
Total Assets 6,20,220 6,58,059 6,71,410 7,40,926 7,81,053
Interest Income 36,267 36,344 40,417 49,773 54,108
Interest Expenses 21,124 20,418 22,790 30,604 34,574
Net Interest Income 15,143 15,926 17,627 19,169 19,534
Non-Interest Income 5,949 5,352 4,456 6,197 7,217
Total Operating Income 21,092 21,278 22,083 25,365 26,750
Staff Expenses 6,967 6,616 6,972 8,541 7,529
Overhead Expenses 4,338 4,728 4,923 5,578 6,285
Total Operating Expenses 11,305 11,344 11,895 14,119 13,813
Operating Profit 9,787 9,934 10,188 11,246 12,937
Total Provisions 6,995 4,776 4,075 3,072 4,642
Net Profit 2,792 4,179 6,113 7,323 8,295
Table III
Key Financial Indicators FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
ROA 0.48% 0.67% 0.96% 1.04% 1.10%
ROE 9.94% 13.92% 19.43% 20.32% 19.87%
EPS (Rs.) 22.87 35.49 56.29 68.44 79.44
BVPS (Rs.) 240.53 269.48 309.89 363.84 435.95
Dividend Payout Ratio 17.49% 20.00% 20.08% 20.02% 20.01%
Cost/ Income Ratio 53.60% 53.31% 53.87% 55.66% 51.64%
Capital Adequacy Ratio (Basel 3) 13.74% 13.83% 14.68% 14.28% 14.25%
Cost of Deposits (Dom.) 4.20% 3.83% 3.99% 4.81% 5.11%
Yield on Advances (Dom.) 7.97% 7.58% 8.10% 8.91% 8.98%
Yield on Investment (Dom.) 6.32% 6.07% 6.51% 7.00% 7.21%
Net Interest Margin 3.04% 3.12% 3.37% 3.28% 3.09%
Gross NPA Ratio 4.98% 3.97% 2.78% 2.24% 1.82%
Net NPA Ratio 1.50% 1.02% 0.67% 0.57% 0.47%
Provision Coverage Ratio (Excl AUCA) 70.88% 75.04% 76.39% 75.02% 74.42%
Provision Coverage Ratio (Incl AUCA) 87.75% 90.20% 91.91% 91.89% 92.08%
Table IV
Rs. In Crore FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
CAPITAL & LIABILITIES
Capital 892 892 892 892 892
Reserves & Surplus 2,52,983 2,79,196 3,26,716 3,76,354 4,40,270
Deposits 36,81,277 40,51,534 44,23,778 49,16,077 53,82,190
Borrowings 4,17,298 4,26,043 4,93,135 5,97,561 5,63,573
Other Liabilities & Provisions 1,81,980 2,29,932 2,72,457 2,88,810 2,89,129
TOTAL LIABILITIES 45,34,430 49,87,597 55,16,979 61,79,694 66,76,053
ASSETS
Cash & Bank Balances with Reserve Bank of India 2,13,202 3,18,265 2,47,088 2,25,142 2,27,217
Balances with banks and money at call & short notice 1,29,837 76,287 60,812 85,660 1,13,012
Investments 13,51,705 14,81,445 15,70,366 16,71,340 16,90,573
Advances 24,49,498 27,33,967 31,99,269 37,03,971 41,63,312
Fixed Assets 38,419 37,708 42,382 42,617 44,108
Other Assets 3,51,769 3,39,925 3,97,062 4,50,964 4,37,831
TOTAL ASSETS 45,34,430 49,87,597 55,16,979 61,79,694 66,76,053
Table V
US $ In Million FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
CAPITAL & LIABILITIES
Capital 122 118 109 107 104
Reserves & Surplus 34,603 36,837 39,761 45,124 51,509
Deposits 5,03,526 5,34,556 5,38,369 5,89,422 6,29,680
Borrowings 57,078 56,212 60,014 71,646 65,934
Other Liabilities & Provisions 24,891 30,337 33,158 34,627 33,826
TOTAL LIABILITIES 6,20,220 6,58,059 6,71,410 7,40,926 7,81,053
ASSETS
Cash & Bank Balances with Reserve Bank of India 29,162 41,992 30,070 26,994 26,583
Balances with banks and money at call & short notice 17,759 10,065 7,401 10,270 13,222
Investments 1,84,887 1,95,461 1,91,112 2,00,388 1,97,786
Advances 3,35,043 3,60,717 3,89,348 4,44,095 4,87,080
Fixed Assets 5,255 4,975 5,158 5,110 5,160
Other Assets 48,115 44,849 48,322 54,069 51,223
TOTAL ASSETS 6,20,220 6,58,059 6,71,410 7,40,926 7,81,053
Table VI
Market Related Ratios FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Share Price (as on last day of the year) Rs. 364.30 493.55 523.75 752.60 771.5
Price to Book Ratio (%) 1.51 1.83 1.69 2.07 1.77
Market Capitalization (Rs. In Cr) 3,25,123 4,40,474 4,67,427 6,71,666 6,88,534
Earning Per Share (Rs.) 22.87 35.49 56.29 68.44 79.44
P/E Ratio (%) 15.93 13.91 9.31 11.00 9.71

Last Updated On : Wednesday, 11-06-2025

Interest Rates

7.50%* p.a. onwards

w.e.f. 15.06.2025

*T&C Apply.

 

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