State Bank Of India, 500112, SBIN Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

671,041.57
10.59
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

944,872.47
1.50%
1.79

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

11.03
-7.98
-8.73

EBITDA CAGR (%)

10 Years
5 Years
3 Years

14.67
93.29
33.68

PAT CAGR (%)

10 Years
5 Years
3 Years

1.38
1.57

P:E (Median)

8 Years
5 Years
3 Years

13.25
13.26
12.93

P:BV (Average)

8 Years
5 Years
3 Years

1.28
1.38
1.57

EV:EBITDA (Average)

8 Years
5 Years
3 Years

7.36
7.60
8.04

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 106,733.78 86,616.04 23.23% 101,378.80 79,859.59 26.95% 95,975.45 72,676.37 32.06% 92,951.06 70,733.25 31.41%
Interest Exp. 66,918.05 48,547.42 37.84% 61,878.84 44,676.15 38.51% 57,070.50 41,480.44 37.58% 52,558.55 39,535.39 32.94%
Net Interest Income 39,815.73 38,068.62 4.59% 39,499.96 35,183.44 12.27% 38,904.95 31,195.93 24.71% 40,392.51 31,197.86 29.47%
NIM 3.34 3.69 -9.49% 3.43 3.55 -3.38% 3.47 3.23 7.43% 3.58 3.40 5.29%
Other Income 11,458.90 11,467.73 -0.08% 10,790.63 8,874.27 21.59% 12,063.38 2,312.20 421.73% 13,961.40 11,880.15 17.52%
Total Income 118,192.68 98,083.77 20.50% 112,169.43 88,733.86 26.41% 108,038.83 74,988.57 44.07% 106,912.46 82,613.40 29.41%
Operating Exp. 30,938.55 24,317.07 27.23% 30,873.97 22,937.69 34.60% 25,671.40 20,755.57 23.68% 29,732.80 23,361.18 27.27%
Operating Profit 20,336.08 25,219.28 -19.36% 19,416.62 21,120.02 -8.07% 25,296.93 12,752.56 98.37% 24,621.11 19,716.83 24.87%
Provision 687.85 5,760.57 -88.06% 115.28 3,038.67 -96.21% 2,501.31 4,392.38 -43.05% 3,315.71 7,237.45 -54.19%
PBT 12,548.23 19,458.71 -35.51% 19,301.34 18,081.35 6.75% 22,795.62 8,360.18 172.67% 21,305.40 12,479.38 70.72%
PBTM 11.76 22.47 -47.66% 19.04 22.64 -15.90% 23.75 11.50 106.52% 22.92 17.64 29.93%
TAX 3,384.27 5,253.37 -35.58% 4,971.32 4,816.83 3.21% 5,911.33 2,292.10 157.90% 4,610.89 3,365.85 36.99%
PAT 9,163.96 14,205.34 -35.49% 14,330.02 13,264.52 8.03% 16,884.29 6,068.08 178.25% 16,694.51 9,113.53 83.18%
PATM 8.59% 16.40% 14.14% 16.61% 17.59% 8.35% 17.96% 12.88%
EPS 10.27 15.92 -35.49% 16.06 14.86 8.08% 18.92 6.80 178.24% 18.71 10.21 83.25%
Gross NPA 86,748.81 98,346.50 -11.79% 86,974.08 106,804.14 -18.57% 91,327.84 113,271.72 -19.37% 90,927.78 112,023.37 -18.83%
Gross NPA% 2.42 3.14 -22.93% 2.55 3.52 -27.56% 2.76 3.91 -29.41% 2.78 3.97 -29.97%
Net NPA 22,408.38 23,484.31 -4.58% 21,352.40 23,572.19 -9.42% 22,995.37 28,257.92 -18.62% 21,466.64 27,965.71 -23.24%
Net NPA% 0.64 0.77 -16.88% 0.64 0.80 -20.00% 0.71 1.00 -29.00% 0.67 1.02 -34.31%
CASA 41.18 44.48 -7.42% 41.88 44.63 -6.16% 42.88 45.33 -5.40% 43.80 45.28 -3.27%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 112,868.34 91,517.66 23.33% 107,390.78 84,462.87 27.15% 101,460.01 76,780.86 32.14% 98,083.19 74,607.57 31.47%
Interest Exp. 68,091.94 49,365.99 37.93% 62,955.15 45,232.19 39.18% 58,044.94 41,931.16 38.43% 53,451.48 39,943.86 33.82%
Net Interest Income 44,776.40 42,151.67 6.23% 44,435.63 39,230.68 13.27% 43,415.07 34,849.70 24.58% 44,631.71 34,663.71 28.76%
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 40,203.30 35,701.31 12.61% 36,865.34 30,319.61 21.59% 30,872.77 17,743.44 74.00% 38,769.20 33,427.11 15.98%
Total Income 153,071.64 127,218.97 20.32% 144,256.12 114,782.48 25.68% 132,332.78 94,524.30 40.00% 136,852.39 108,034.68 26.67%
Operating Exp. 61,189.62 50,301.28 21.65% 58,597.64 45,776.84 28.01% 45,979.63 37,565.55 22.40% 56,170.81 46,123.95 21.78%
Operating Profit 23,790.08 27,551.70 -13.65% 22,703.33 23,773.45 -4.50% 28,308.21 15,027.59 88.37% 27,230.10 21,966.87 23.96%
Provision 1,445.25 6,196.30 -76.68% 767.62 3,430.97 -77.63% 3,100.57 4,762.48 -34.90% 3,794.53 8,109.18 -53.21%
PBT 15,244.83 21,355.40 -28.61% 21,935.71 20,342.48 7.83% 25,207.64 10,265.11 145.57% 23,435.57 13,857.69 69.12%
PBTM 13.51 23.33 -42.09% 20.43 24.08 -15.16% 24.84 13.37 85.79% 23.89 18.57 28.65%
TAX 3,962.17 5,685.75 -30.31% 5,552.53 5,325.20 4.27% 6,471.69 2,736.86 136.46% 5,092.32 3,863.93 31.79%
PAT 11,282.66 15,669.65 -28.00% 16,383.18 15,017.28 9.10% 18,735.95 7,528.25 148.88% 18,343.25 9,993.76 83.55%
PATM 10.00% 17.12% 15.26% 17.78% 18.47% 9.80% 18.70% 13.40%
EPS 12.78 17.75 -28.00% 18.56 17.01 9.11% 21.22 8.53 148.77% 20.78 11.32 83.57%
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 158,613.15 144,840.50 120,707.59 110,710.00 98,084.82 88,348.87 74,853.72 61,859.74 57,194.81 55,015.25 49,282.17 Interest Earned 397,039.09 332,103.06 275,457.29 265,150.63 257,323.59 242,868.65 220,499.32 175,518.24 163,998.30 152,397.07 136,350.80 Interest Expended 238,425.94 187,262.56 154,749.70 154,440.63 159,238.77 154,519.78 145,645.60 113,658.50 106,803.49 97,381.82 87,068.63 Int. income Growth 16.93% 19.99% 9.03% 12.87% 11.02% 18.03% 21.01% 8.16% 3.96% 11.63% Other Income 48,274.31 36,615.60 40,563.91 43,496.37 45,221.48 36,774.89 44,600.69 35,460.93 27,845.37 22,575.89 18,552.92 Total Income 445,313.40 181,456.10 161,271.50 154,206.37 143,306.30 125,123.76 119,454.41 97,320.67 85,040.18 77,591.14 67,835.09 Total Expenditure 117,216.72 110,953.18 114,601.06 123,347.71 115,200.25 119,603.97 132,063.18 80,172.19 69,565.82 57,160.69 50,327.27 Employee Cost - 57,291.84 57,561.99 50,936.00 45,714.97 41,054.71 33,178.68 26,489.28 25,113.82 23,537.07 22,504.28 % Of Sales - 17.25% 20.90% 19.21% 17.77% 16.90% 15.05% 15.09% 15.31% 15.44% 16.50% Opt. & Establishment Exp. - 43,748.56 39,084.12 35,033.78 32,762.53 31,845.33 29,684.24 22,276.81 18,368.85 15,633.29 14,555.52 % Of Sales - 13.17% 14.19% 13.21% 12.73% 13.11% 13.46% 12.69% 11.20% 10.26% 10.68% Provisions - 16,507.32 24,452.13 44,013.03 43,330.37 53,128.55 75,039.20 35,992.72 29,483.75 20,223.31 15,935.35 % Of Sales - 4.97% 8.88% 16.60% 16.84% 21.88% 34.03% 20.51% 17.98% 13.27% 11.69% EBITDA 89,670.74 70,502.92 46,670.44 30,858.66 28,106.05 5,519.79 -12,608.77 17,148.48 15,474.36 20,430.45 17,507.82 EBITDA Margin 70.48% 48.68% 38.66% 27.87% 28.65% 6.25% -16.84% 27.72% 27.06% 37.14% 35.53% Depreciation 0.00 3,297.27 3,248.59 3,317.55 3,303.81 3,212.31 2,919.47 2,293.31 1,700.30 1,116.49 1,333.94 PBT 75,950.59 67,205.64 43,421.85 27,541.12 24,802.24 2,307.48 -15,528.24 14,855.17 13,774.05 19,313.96 16,173.88 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 18,877.81 16,973.19 11,745.87 7,130.65 10,314.13 1,445.25 -8,980.79 4,371.07 3,823.40 6,212.39 5,282.71 Tax Rate 24.86% 25.26% 27.05% 25.89% 41.59% 62.63% 57.84% 29.42% 27.76% 32.17% 32.66% PAT 57,072.78 50,232.45 31,675.98 20,410.47 14,488.11 862.23 -6,547.45 10,484.10 9,950.65 13,101.57 10,891.17 PAT before Minority Interest 57,072.78 50,232.45 31,675.98 20,410.47 14,488.11 862.23 -6,547.45 10,484.10 9,950.65 13,101.57 10,891.17 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 27.59% 27.68% 19.64% 13.24% 10.11% 0.69% -5.48% 10.77% 11.70% 16.89% 16.06% PAT Growth 33.81% 58.58% 55.19% 40.88% 1580.31% 0 -162.45% 5.36% -24.05% 20.30% EPS 64.64 56.90 35.88 23.12 16.41 0.98 -7.42 11.88 11.27 14.84 12.34

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Net Interest Income 177,258.81 160,863.76 133,778.35 122,105.31 108,727.86 97,454.71 82,367.30 81,332.43 77,585.39 74,795.70 67,583.40 Interest Earned 419,802.32 350,844.58 289,972.69 278,115.48 269,851.66 253,322.17 228,970.28 230,447.10 220,632.75 207,974.34 189,062.44 Interest Expended 242,543.51 189,980.82 156,194.34 156,010.17 161,123.80 155,867.46 146,602.98 149,114.67 143,047.36 133,178.64 121,479.04 Int. income Growth 17.47% 20.25% 9.56% 12.30% 11.57% 18.32% 1.27% 4.83% 3.73% 10.67% Other Income 146,710.61 122,533.56 117,000.40 107,222.41 98,158.99 77,365.19 77,557.39 68,193.17 52,828.39 49,315.17 37,882.13 Total Income 566,512.93 283,397.32 250,778.75 229,327.72 206,886.85 174,819.90 159,924.69 149,525.60 130,413.78 124,110.87 105,465.53 Total Expenditure 221,937.70 204,354.24 197,390.49 192,845.48 173,203.73 165,410.68 169,064.10 145,669.74 112,232.92 96,679.99 82,201.66 Employee Cost - 61,920.91 61,445.13 54,330.83 48,850.54 43,795.01 35,410.62 35,691.21 32,525.60 31,117.61 29,868.36 % Of Sales - 17.65% 21.19% 19.54% 18.10% 17.29% 15.47% 15.49% 14.74% 14.96% 15.80% Opt. & Establishment Exp. - 131,538.36 116,570.98 99,772.19 86,562.46 74,485.27 63,838.29 54,509.71 41,785.63 43,682.94 35,438.70 % Of Sales - 37.49% 40.20% 35.87% 32.08% 29.40% 27.88% 23.65% 18.94% 21.00% 18.74% Provisions - 18,184.55 26,679.74 46,089.32 45,053.61 54,090.34 76,003.97 61,290.88 37,929.81 25,032.06 20,771.24 % Of Sales - 5.18% 9.20% 16.57% 16.70% 21.35% 33.19% 26.60% 17.19% 12.04% 10.99% EBITDA 102,031.72 79,043.08 53,388.26 36,482.24 33,683.12 9,409.22 -9,139.41 3,855.86 18,180.86 27,430.88 23,263.87 EBITDA Margin 47.13% 49.14% 39.91% 29.88% 30.98% 9.65% -11.10% 4.74% 23.43% 36.67% 34.42% Depreciation 0.00 3,644.79 3,652.68 3,673.43 3,631.44 3,479.97 3,094.39 2,911.03 4.06 1,576.31 1,938.32 PBT 85,823.75 75,398.29 49,735.58 32,808.81 30,051.68 5,929.25 -12,233.80 944.83 18,176.79 25,854.56 21,325.54 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 21,078.71 18,839.86 13,379.41 8,529.09 11,874.85 2,860.18 -8,046.39 1,335.50 5,433.50 8,337.20 6,836.07 Tax Rate 24.56% 24.99% 26.90% 26.00% 39.51% 48.24% 65.77% 141.35% 29.89% 32.25% 32.06% PAT 62,429.95 54,456.72 34,546.87 22,797.36 16,804.66 2,018.16 -4,994.45 -52.05 11,948.78 16,679.86 13,856.04 PAT before Minority Interest 64,745.04 56,558.43 36,356.17 24,279.72 18,176.83 3,069.07 -4,187.41 -390.67 12,743.29 17,517.37 14,489.47 Minority Interest -2,315.09 -2,101.71 -1,809.30 -1,482.36 -1,372.17 -1,050.91 -807.04 338.62 -794.51 -837.51 -633.43 PAT Margin 19.27% 19.22% 13.78% 9.94% 8.12% 1.15% -3.12% -0.03% 9.16% 13.44% 13.14% PAT Growth 34.30% 57.63% 51.54% 35.66% 732.67% 0 0 -100.44% -28.36% 20.38% EPS 73.33 61.68 39.13 25.82 19.03 2.29 -5.66 -0.06 13.53 18.89 15.69

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 327,608.45 280,088.06 253,875.19 232,007.43 220,913.82 219,128.56 188,286.06 144,274.44 128,438.23 118,282.25 Share Capital 892.46 892.46 892.46 892.46 892.46 892.46 797.35 776.28 746.57 746.57 Total Reserves 326,715.99 279,195.60 252,982.73 231,114.97 220,021.36 218,236.10 187,488.71 143,498.16 127,691.65 117,535.68 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 4,423,777.78 4,051,534.12 3,681,277.08 3,241,620.73 2,911,386.01 2,706,343.29 2,044,751.39 1,730,722.44 1,576,793.25 1,394,408.50 Borrowings 493,135.16 426,043.38 417,297.70 314,655.65 403,017.12 362,142.07 317,693.66 323,344.59 205,150.29 183,130.88 Other Liabilities & Provisions 272,457.15 229,931.84 181,979.66 163,110.10 145,597.30 167,138.08 155,235.19 159,276.08 137,698.04 96,926.65 Total Liabilities 5,516,978.54 4,987,597.40 4,534,429.63 3,951,393.91 3,680,914.25 3,454,752.00 2,705,966.30 2,357,617.55 2,048,079.81 1,792,748.28 Net Block 42,100.73 37,467.49 38,067.41 38,023.39 38,508.94 39,200.71 42,344.99 9,819.16 9,041.80 7,716.46 Gross Block 75,913.19 68,624.97 66,494.23 63,815.49 61,906.55 60,316.45 57,817.65 23,185.78 21,170.45 18,919.38 Accumulated Depreciation 33,812.46 31,157.49 28,426.82 25,792.09 23,397.60 21,115.74 15,472.66 13,366.62 12,128.65 11,202.92 Total Non-Current Assets 5,119,916.95 4,647,672.54 4,182,660.95 3,661,780.37 3,414,586.55 3,227,757.80 2,551,958.58 2,217,209.14 1,945,870.09 1,749,180.08 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 281.07 240.67 351.83 415.89 688.63 791.54 573.93 570.12 287.37 285.70 Cash and balance with RBI 247,087.58 318,265.21 213,201.54 166,735.78 176,932.42 150,397.18 127,997.62 129,629.33 115,883.84 84,955.66 Balance with banks and money at call 60,812.04 76,287.11 129,837.17 84,361.23 45,557.69 41,501.46 43,974.03 37,838.33 38,871.94 47,593.97 Investments 1,570,366.23 1,481,445.47 1,351,705.21 1,046,954.52 967,021.95 1,060,986.72 765,989.63 575,651.78 481,758.75 398,799.57 Advances 3,199,269.30 2,733,966.59 2,449,497.79 2,325,289.56 2,185,876.92 1,934,880.19 1,571,078.38 1,463,700.42 1,300,026.39 1,209,828.72 Other Assets 397,061.58 339,924.86 351,768.68 289,613.55 266,327.70 226,994.20 154,007.72 140,408.41 102,209.71 43,568.21 Total Assets 5,516,978.53 4,987,597.40 4,534,429.63 3,951,393.92 3,680,914.25 3,454,752.00 2,705,966.30 2,357,617.55 2,048,079.80 1,792,748.29 Contingent Liabilities 1,826,574.12 2,007,083.44 1,706,949.91 1,214,994.61 1,116,081.46 1,162,020.69 1,046,440.93 971,956.01 1,000,627.26 1,017,329.95 Bills for collection 64,531.08 77,730.12 56,516.12 55,758.16 70,022.54 74,027.90 65,640.42 92,211.65 92,795.25 74,028.42 Adjusted Book Value 335.98 287.64 258.05 233.34 219.91 217.69 196.53 185.85 172.04 197.40

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Shareholder's Funds 358,931.32 305,588.05 275,561.56 251,060.12 234,495.66 230,321.95 217,192.15 180,592.37 161,387.54 147,370.54 Share Capital 892.46 892.46 892.46 892.46 892.46 892.46 797.35 776.28 746.57 746.57 Total Reserves 358,038.86 304,695.58 274,669.10 250,167.66 233,603.20 229,429.49 216,394.80 179,816.09 160,640.97 146,623.96 Minority Interest 12,836.62 11,207.42 9,625.92 7,943.82 6,036.99 4,615.25 6,480.65 6,267.40 5,497.12 4,909.15 Deposits 4,468,535.51 4,087,410.60 3,715,331.24 3,274,160.63 2,940,541.06 2,722,178.28 2,599,810.66 2,253,857.56 2,052,960.79 1,838,852.36 Borrowings 521,151.95 449,159.78 433,796.21 332,900.67 413,747.66 369,079.34 336,365.66 361,399.39 244,663.47 223,759.71 Other Liabilities & Provisions 592,962.92 507,517.68 411,303.62 331,427.10 293,642.82 290,249.75 285,272.44 271,366.42 235,601.11 181,603.55 Total Liabilities 5,954,418.32 5,360,883.53 4,845,618.55 4,197,492.34 3,888,464.19 3,616,444.57 3,445,121.56 3,073,483.14 2,700,110.03 2,396,495.31 Net Block 44,023.81 39,229.50 39,698.61 39,608.41 39,940.76 40,300.72 50,250.53 14,474.69 11,983.68 10,227.21 Gross Block 80,629.14 72,936.73 70,410.21 67,355.94 64,941.50 62,702.55 70,737.83 32,374.49 28,194.34 25,141.02 Accumulated Depreciation 36,605.33 33,707.23 30,711.61 27,747.53 25,000.74 22,401.83 20,487.31 17,899.80 16,210.66 14,913.80 Total Non-Current Assets 5,543,729.28 5,008,981.05 4,483,573.09 3,896,988.89 3,612,338.81 3,380,427.68 3,248,305.59 2,897,450.63 2,566,579.16 2,335,399.07 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 0.00 -4.70 -4.70 -4.70 -4.70 Capital Work in Progress 383.57 280.53 468.18 469.76 762.30 925.07 694.92 785.70 400.32 337.27 Cash and balance with RBI 247,321.05 318,492.43 213,498.62 166,968.46 177,362.74 150,769.46 161,018.61 160,424.57 144,287.55 114,095.60 Balance with banks and money at call 70,990.86 80,412.69 134,208.42 87,346.80 48,149.52 44,519.65 112,178.54 44,134.90 44,193.50 53,065.74 Investments 1,913,107.86 1,776,489.90 1,595,100.27 1,228,284.28 1,119,269.82 1,183,794.24 1,027,280.87 807,374.58 673,507.48 579,401.26 Advances 3,267,902.13 2,794,076.00 2,500,598.99 2,374,311.18 2,226,853.67 1,960,118.54 1,896,886.82 1,870,260.89 1,692,211.33 1,578,276.69 Other Assets 410,689.04 351,902.48 362,045.47 300,503.45 276,125.40 236,016.89 196,815.98 176,032.52 133,530.86 61,096.23 Total Assets 5,954,418.32 5,360,883.53 4,845,618.56 4,197,492.34 3,888,464.21 3,616,444.57 3,445,121.57 3,073,483.15 2,700,110.02 2,396,495.30 Contingent Liabilities 1,835,524.38 2,007,232.49 1,714,239.52 1,221,083.11 1,121,246.28 1,166,334.80 1,184,907.82 1,184,201.34 1,190,338.69 1,172,565.68 Bills for collection 64,571.94 77,783.06 56,557.64 55,790.70 70,047.23 74,060.22 155,454.12 106,611.68 105,970.51 90,196.99 Adjusted Book Value 371.08 316.22 282.35 254.69 235.13 230.23 227.75 230.87 216.17 197.40

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity -91,351.82 58,415.45 89,865.54 25,687.86 34,627.51 -85,425.25 11,060.32 11,196.55 27,621.03 14,107.42 PBT 67,205.63 43,421.85 27,541.12 25,062.76 1,607.48 -15,528.24 14,855.16 13,774.06 19,313.96 16,173.89 Adjustment 30,010.88 32,727.39 50,959.09 44,755.59 62,491.02 77,492.93 40,074.98 34,491.40 24,528.30 20,700.23 Adjustments for Liabilities & Assets -173,215.57 -9,921.43 13,759.85 -31,028.17 -22,893.16 -140,409.73 -43,762.19 -29,883.49 -11,962.33 -11,629.71 Refund/(Payment) of direct taxes -15,352.75 -7,812.36 -2,394.52 -13,102.33 -6,577.84 -6,980.21 -107.63 -7,185.43 -4,258.90 -11,137.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -3,297.04 -2,612.72 -3,354.26 -2,976.77 -3,958.60 879.08 -3,148.45 -3,748.37 -3,258.10 -3,105.67 Net Fixed Assets -7328.62 -2019.58 -2614.68 -1636.20 -1487.19 -2716.41 -34635.68 -2298.08 -2252.74 -1421.23 Other Investment Activity -78806.98 -72219.90 -69822.83 -68189.98 -61716.10 -64256.44 -62139.95 -27014.00 -24563.49 -21195.93 Cash from Financing Activity 5,201.76 -5,177.51 5,632.63 3,352.17 -1,087.83 4,290.92 -1,780.27 4,505.88 -2,289.12 3,811.17 Closing Cash & Equivalent 307,899.62 394,552.32 343,038.71 251,097.01 222,490.11 191,898.64 171,971.65 167,467.66 154,755.78 132,549.63 Net Cash Inflow / Outflow -89,447.09 50,625.22 92,143.91 26,063.26 29,581.09 -80,255.25 6,131.60 11,954.05 22,073.81 14,812.92 Opening Cash & Equivalents 394,552.32 343,038.71 251,097.01 222,490.11 191,898.64 171,971.65 167,467.66 154,755.78 132,549.63 114,820.16

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Cash From Operating Activity -86,013.68 57,694.85 89,918.93 23,928.53 29,556.01 -96,507.91 77,406.00 14,476.68 46,402.89 19,141.68 PBT 74,488.30 48,756.34 30,921.71 31,907.56 4,451.06 -12,613.79 1,576.74 17,658.09 25,331.50 21,009.84 Adjustment 32,181.13 35,578.03 54,812.31 44,835.25 63,913.98 79,238.01 67,661.24 44,857.42 28,817.89 25,389.06 Adjustments for Liabilities & Assets -175,359.39 -17,615.23 8,004.41 -37,954.79 -30,633.80 -155,121.70 9,545.95 -38,540.40 -229.13 -14,655.91 Refund/(Payment) of direct taxes -17,323.72 -9,024.30 -3,819.49 -14,859.49 -8,175.23 -8,010.42 -1,377.93 -9,498.43 -7,517.37 -12,601.31 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -4,040.97 -3,618.51 -3,736.23 -3,323.69 -856.77 11,065.77 -2,832.12 -3,668.56 -3,430.41 -3,536.49 Net Fixed Assets -7328.62 -2019.58 -2614.68 -1636.20 -1487.19 -2716.41 -34635.68 -2298.08 -2252.74 -1421.23 Other Investment Activity -79812.77 -72601.87 -70169.75 -65088.15 -51529.41 -63940.11 -62060.14 -27186.31 -24994.31 -22858.31 Cash from Financing Activity 6,386.38 -3,844.51 7,142.67 5,429.52 447.64 5,547.16 -4,196.48 4,348.45 -1,553.27 3,583.06 Closing Cash & Equivalent 318,311.91 398,905.12 347,707.04 254,315.26 225,512.26 195,289.11 273,197.16 204,559.47 208,586.57 167,161.34 Net Cash Inflow / Outflow -83,668.27 50,231.82 93,325.37 26,034.36 29,146.87 -79,894.98 70,377.40 15,156.57 41,419.22 19,188.25 Opening Cash & Equivalents 398,905.12 347,707.04 254,315.26 225,512.26 195,289.11 273,197.16 204,559.47 188,481.05 167,161.34 145,227.73

Financial Ratios

Consolidated /

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 335.98 287.64 258.05 233.34 219.91 217.69 196.53 185.85 172.04 158.43 NIM 2.85 2.62 2.67 2.71 2.62 2.35 2.47 2.59 2.84 2.83 Yield on Advances 10.38 10.08 10.82 11.07 11.11 11.40 11.17 11.20 11.72 11.27 Yield on Investments 6.32 5.96 6.35 7.33 8.02 7.89 7.70 8.25 8.09 8.58 Cost of Liabilities 3.81 3.46 3.77 4.48 4.66 4.75 4.81 5.20 5.46 5.52 Interest Spread 6.57 6.62 7.06 6.59 6.45 6.65 6.36 6.00 6.26 5.75 ROCE 12.06% 8.27% 6.49% 6.26% 2.75% -1.03% 4.71% 5.42% 8.68% 8.82% Cost Income Ratio 53.87 57.91 53.60 52.46 55.70 50.18 47.75 49.13 49.04 52.67 Core Cost Income Ratio 53.47 59.09 55.78 55.80 56.15 55.94 53.68 52.21 51.44 54.33 Operating Costs to Assets 1.77 1.87 1.82 1.90 1.89 1.74 1.72 1.77 1.86 1.99 Loans/Deposits 0.11 0.11 0.11 0.10 0.14 0.13 0.16 0.19 0.13 0.13 Cash/Deposits 0.06 0.08 0.06 0.05 0.06 0.06 0.06 0.07 0.07 0.06 Investment/Deposits 0.35 0.37 0.37 0.32 0.33 0.39 0.37 0.33 0.31 0.29 Inc Loan/Deposits 11.15% 10.52% 11.34% 9.71% 13.84% 13.38% 15.54% 18.68% 13.01% 13.13% Credit Deposits 72.32% 67.48% 66.54% 71.73% 75.08% 71.49% 76.83% 84.57% 82.45% 86.76% Interest Expended / Interest earned 56.39% 56.18% 58.25% 61.88% 63.62% 66.05% 64.76% 65.12% 63.90% 63.86% Interest income / Total funds 6.02% 5.52% 5.85% 6.51% 6.60% 6.38% 6.49% 6.96% 7.44% 7.61% Interest Expended / Total funds 3.39% 3.10% 3.41% 4.03% 4.20% 4.22% 4.20% 4.53% 4.75% 4.86% CASA 42.67% 44.52% 45.40% 44.23% 44.57% 44.49% 44.57% 42.62% 41.34% 42.91%

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14
Book Value 371.08 316.22 282.35 254.69 235.13 230.23 227.75 230.87 216.17 197.40 NIM 2.93 2.69 2.75 2.82 2.73 2.47 2.54 2.69 2.93 2.91 Yield on Advances 10.74 10.38 11.12 11.37 11.38 11.68 12.15 11.80 12.29 11.98 Yield on Investments 5.85 5.62 5.93 6.84 7.52 7.54 7.59 7.79 8.70 8.48 Cost of Liabilities 3.81 3.44 3.76 4.47 4.65 4.74 5.08 5.47 5.80 5.89 Interest Spread 6.93 6.94 7.36 6.90 6.73 6.94 7.07 6.33 6.49 6.09 ROCE 12.46% 8.77% 7.08% 6.99% 3.35% -0.30% 2.06% 6.08% 9.64% 9.56% Cost Income Ratio 66.98 69.53 65.60 63.70 65.67 60.12 58.38 56.98 59.00 60.08 Core Cost Income Ratio 67.03 71.21 67.81 66.66 66.35 65.47 64.30 59.87 65.00 63.80 Operating Costs to Assets 3.19 3.25 3.10 3.14 2.95 2.66 2.53 2.42 2.71 2.64 Loans/Deposits 0.12 0.11 0.12 0.10 0.14 0.14 0.13 0.16 0.12 0.12 Cash/Deposits 0.06 0.08 0.06 0.05 0.06 0.06 0.06 0.07 0.07 0.06 Investment/Deposits 0.43 0.43 0.43 0.38 0.38 0.43 0.40 0.36 0.33 0.32 Inc Loan/Deposits 11.66% 10.99% 11.68% 10.17% 14.07% 13.56% 12.94% 16.03% 11.92% 12.17% Credit Deposits 73.13% 68.36% 67.30% 72.52% 75.73% 72.01% 72.96% 82.98% 82.43% 85.83% Interest Expended / Interest earned 54.15% 53.87% 56.10% 59.71% 61.53% 64.03% 64.71% 64.84% 64.04% 64.25% Interest income / Total funds 5.89% 5.41% 5.74% 6.43% 6.51% 6.33% 6.69% 7.18% 7.70% 7.89% Interest Expended / Total funds 3.19% 2.91% 3.22% 3.84% 4.01% 4.05% 4.33% 4.65% 4.93% 5.07% CASA 42.67% 44.52% 45.40% 44.17% 44.55% 44.46% 43.70% 40.62% 39.43% 40.34%

Top Investors:

life insurance corporation of india

sbi mutual fund schemes

hdfc mutual fund schemes

nps trust schemes

nippon life india mutual fund scheme

government of singapore

icici prudential mutual fund schemes

Annual Reports:

News Update:

RBI imposes monetary penalty of Rs 2 crore on SBI
27th Feb 2024, 09:51 AM

This penalty has been imposed in exercise of powers vested in RBI conferred under the provisions of Section 47 A (1) (c) read with Sections 46 (4) (i) and 51 (1) of the BR Act
Read More
State Bank of India reports 28% fall in Q3 consolidated net profit
5th Feb 2024, 12:41 PM

Total consolidated income of the bank increased by 20.30% at Rs 153071.64 crore for Q3FY24
Read More
SBI - Quarterly Results
3rd Feb 2024, 13:36 PM

Read More
SBI raises Rs 5000 crore through bonds
20th Jan 2024, 10:30 AM

The bank has raised Rs 5000 crore at a coupon of 8.34%
Read More
SBI signs MoU with Rural Development Ministry
11th Jan 2024, 14:30 PM

SBI introduced a specialised financial product Svyam Siddha, exclusively tailored for SHG women entrepreneurs seeking loans up to Rs 5 lakhs
Read More

State Bank Of India

Bank - Public

BSE: 500112 | NSE: SBIN

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update:

State Bank Of India

Bank - Public

BSE: 500112 | NSE: SBIN

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Consolidated Figures in Rs. Crores /

Annual Results

Consolidated Figures in Rs. Crores /

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Cash Flow

Consolidated Figures in Rs. Crores /

Financial Ratios

Consolidated /

Top Investors:

Annual Reports:

News Update: