Nifty
Sensex
:
:
11600.20
39090.03
326.00 (2.89%)
1075.41 (2.83%)

Bank - Public

Rating :
61/99

BSE: 500112 | NSE: SBIN

313.75
23-Sep-2019
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  307.55
  •  316.00
  •  300.40
  •  301.70
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  54178171
  •  167617.90
  •  373.80
  •  247.40

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 269,255.53
  • 117.09
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 505,640.45
  • N/A
  • 1.27

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 57.88%
  • 1.41%
  • 4.98%
  • FII
  • DII
  • Others
  • 0.07%
  • 23.62%
  • 12.04%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 11.29
  • 5.44
  • 6.21

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 16.82
  • 24.94
  • 1.22

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -16.14
  • -34.45
  • -56.51

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 14.87
  • 17.75
  • 24.22

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.37
  • 1.30
  • 1.29

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 9.00
  • 8.77
  • 8.10

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 19
Jun 18
Var%
Mar 19
Mar 18
Var%
Dec 18
Dec 17
Var%
Sep 18
Sep 17
Var%
Interest Earned
65,594.42
61,200.50
7.18%
0.00
58,209.79
-100.00%
64,910.26
57,014.03
13.85%
61,426.85
56,927.83
7.90%
Interest Exp.
40,139.31
37,272.27
7.69%
0.00
36,237.93
-100.00%
39,889.14
36,393.41
9.61%
38,268.74
36,476.23
4.91%
Net Interest Income
25,455.11
23,928.23
6.38%
0.00
21,971.86
-100.00%
25,021.12
20,620.62
21.34%
23,158.11
20,451.60
13.23%
NIM
0.00
2.88
-100.00%
0.00
0.00
0.00
0.00
0.00
0.00
2.88
2.41
19.50%
Other Income
17,891.59
13,792.91
29.72%
0.00
23,365.59
-100.00%
19,439.85
17,176.84
13.17%
17,875.87
18,020.68
-0.80%
Total Income
83,486.01
74,993.41
11.32%
0.00
81,575.38
-100.00%
84,350.11
74,190.87
13.69%
79,302.72
74,948.51
5.81%
Operating Exp.
28,213.19
24,286.65
16.17%
0.00
28,585.00
-100.00%
30,265.02
24,946.70
21.32%
27,279.63
22,758.70
19.86%
Operating Profit
15,133.51
13,434.49
12.65%
0.00
16,752.45
-100.00%
14,195.95
12,850.76
10.47%
13,754.35
15,713.58
-12.47%
Provision
9,448.71
19,499.21
-51.54%
0.00
28,534.09
-100.00%
6,355.98
19,097.52
-66.72%
12,270.49
19,332.24
-36.53%
PBT
5,684.80
-6,064.72
-
0.00
-11,781.64
-
7,839.97
-6,246.76
-
1,950.34
1,417.55
37.59%
PBTM
8.67
-9.91
-
0.00
-20.24
-
12.08
-10.96
-
3.18
2.49
27.71%
TAX
2,301.01
-2,008.49
-
0.00
-4,280.81
-
3,016.68
-4,502.53
-
1,198.76
-534.75
-
PAT
3,383.79
-4,056.23
-
0.00
-7,500.83
-
4,823.29
-1,744.23
-
751.58
1,952.30
-61.50%
PATM
5.16%
-6.63%
0.00%
-12.89%
7.43%
-3.06%
1.22%
3.43%
EPS
3.31
-4.74
-
0.00
-8.45
-
5.28
-2.19
-
0.65
2.13
-69.48%
Gross NPA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross NPA%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net NPA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net NPA%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
CASA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Net Interest Income
-
97,454.68
82,367.30
81,332.43
77,585.39
74,795.70
67,583.40
61,158.23
57,877.84
45,550.04
33,443.22
Interest Earned
-
253,322.14
228,970.28
230,447.10
220,632.75
207,974.34
189,062.44
167,976.14
147,197.39
113,636.44
100,080.73
Interest Expended
-
155,867.46
146,602.98
149,114.67
143,047.36
133,178.64
121,479.04
106,817.91
89,319.55
68,086.40
66,637.51
Int. income Growth
-
18.32%
1.27%
4.83%
3.73%
10.67%
10.51%
5.67%
27.06%
36.20%
 
Other Income
-
77,365.22
77,557.24
68,193.17
52,828.39
49,315.17
37,882.13
32,583.70
29,691.58
34,207.48
33,771.10
Total Income
-
174,819.90
159,924.54
149,525.60
130,413.78
124,110.87
105,465.53
93,741.93
87,569.42
79,757.52
67,214.32
Total Expenditure
-
165,410.68
169,075.06
145,669.74
112,232.92
96,679.99
82,201.66
67,855.44
61,730.71
58,458.81
47,214.97
Employee Cost
-
43,795.01
35,410.62
35,691.21
32,525.60
31,117.61
29,868.36
24,401.09
22,084.03
20,711.03
16,331.06
% Of Sales
-
17.29%
15.47%
15.49%
14.74%
14.96%
15.80%
14.53%
15.00%
18.23%
16.32%
Opt. & Establishment Exp.
-
74,485.27
63,838.14
54,509.71
41,785.63
43,682.94
35,438.70
28,423.37
26,141.77
27,185.94
33,518.57
% Of Sales
-
29.40%
27.88%
23.65%
18.94%
21.00%
18.74%
16.92%
17.76%
23.92%
33.49%
Provisions
-
54,090.34
76,015.08
61,290.88
37,929.81
25,032.06
20,771.24
15,040.30
16,244.43
13,319.76
0.00
% Of Sales
-
21.35%
33.20%
26.60%
17.19%
12.04%
10.99%
8.95%
11.04%
11.72%
0%
EBITDA
-
9,409.22
-9,150.52
3,855.86
18,180.86
27,430.88
23,263.87
25,886.49
25,838.71
21,298.71
19,999.35
EBITDA Margin
-
9.65%
-11.11%
4.74%
23.43%
36.67%
34.42%
42.33%
44.64%
46.76%
59.80%
Depreciation
-
3,479.97
3,094.39
2,911.03
4.06
1,576.31
1,938.32
4.66
1,369.76
1,378.96
1,317.33
PBT
-
5,929.25
-12,244.91
944.83
18,176.79
25,854.56
21,325.54
25,881.82
24,468.95
19,919.75
0.00
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
-
2,860.18
-8,057.50
1,335.50
5,433.50
8,337.20
6,836.07
7,558.83
8,639.50
8,739.81
0.00
Tax Rate
-
48.24%
65.80%
141.35%
29.89%
32.25%
32.06%
29.21%
35.31%
43.88%
0.00%
PAT
-
2,018.16
-4,994.45
-52.05
11,948.78
16,679.86
13,856.04
17,684.55
15,199.24
10,684.95
11,733.83
PAT before Minority Interest
-
3,069.07
-4,187.41
-390.67
12,743.29
17,517.37
14,489.47
18,322.99
15,829.45
11,179.94
12,013.64
Minority Interest
-
-1,050.91
-807.04
338.62
-794.51
-837.51
-633.43
-638.44
-630.21
-494.99
-279.81
PAT Margin
-
1.15%
-3.12%
-0.03%
9.16%
13.44%
13.14%
18.87%
17.36%
13.40%
17.46%
PAT Growth
-
0
0
-100.44%
-28.36%
20.38%
-21.65%
16.35%
42.25%
-8.94%
 
Unadjusted EPS
-
2.58
-5.34
0.31
15.95
22.76
20.40
266.82
241.55
168.28
184.82

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Shareholder's Funds
234,495.66
230,321.95
217,192.15
180,592.37
161,387.54
147,370.54
125,033.02
106,230.01
83,471.25
83,135.58
Share Capital
892.46
892.46
797.35
776.28
746.57
746.57
684.03
671.04
635.00
634.88
Total Reserves
233,603.20
229,429.49
216,394.80
179,816.09
160,640.97
146,623.96
124,348.99
105,558.97
82,836.25
82,500.70
Minority Interest
6,036.99
4,615.25
6,480.65
6,267.40
5,497.12
4,909.15
4,253.86
3,725.67
2,977.17
2,631.27
Deposits
2,940,541.06
2,722,178.28
2,599,810.66
2,253,857.56
2,052,960.79
1,838,852.36
1,627,402.61
1,414,689.40
1,255,562.48
1,116,464.56
Borrowings
413,747.66
369,079.34
336,365.66
361,399.39
244,663.47
223,759.71
203,723.20
157,991.36
142,470.77
122,074.57
Other Liabilities & Provisions
293,645.69
290,238.19
285,272.44
271,366.42
235,601.11
181,603.55
172,695.88
147,319.73
163,416.58
125,837.97
Total Liabilities
3,888,467.06
3,616,433.01
3,445,121.56
3,073,483.14
2,700,110.03
2,396,495.31
2,133,108.57
1,829,956.17
1,647,898.25
1,450,143.95
Net Block
39,940.76
40,300.72
50,250.53
14,474.69
11,983.68
10,227.21
8,698.00
7,031.17
6,145.63
5,532.64
Gross Block
64,941.50
62,703.00
70,737.83
32,374.49
28,194.34
25,141.02
22,634.22
19,619.76
17,543.26
15,829.31
Accumulated Depreciation
25,000.74
22,402.28
20,487.31
17,899.80
16,210.66
14,913.80
13,936.22
12,588.59
11,397.63
10,296.66
Total Non-Current Assets
3,612,316.76
3,380,427.68
3,248,305.59
2,897,450.63
2,566,579.16
2,335,399.07
2,066,549.10
1,759,618.15
1,587,282.28
1,400,118.66
Lease Adjustment A/c
0.00
0.00
-4.70
-4.70
-4.70
-4.70
-4.50
-4.50
-4.50
-4.78
Capital Work in Progress
762.30
925.07
694.92
785.70
400.32
337.27
676.43
381.30
345.70
486.03
Cash and balance with RBI
177,362.74
150,769.46
161,018.61
160,424.57
144,287.55
114,095.60
89,574.03
79,199.21
119,349.83
82,195.58
Balance with banks and money at call
48,149.52
44,519.65
112,178.54
44,134.90
44,193.50
53,065.74
55,653.69
48,391.62
35,977.62
29,658.29
Investments
1,119,247.77
1,183,794.24
1,027,280.87
807,374.58
673,507.48
579,401.26
519,343.42
460,949.14
419,066.45
412,749.26
Advances
2,226,853.67
1,960,118.54
1,896,886.82
1,870,260.89
1,692,211.33
1,578,276.69
1,392,608.03
1,163,670.21
1,006,401.55
869,501.64
Other Assets
276,150.31
236,005.33
196,815.98
176,032.52
133,530.86
61,096.23
66,559.46
70,338.03
60,615.96
50,025.30
Total Assets
3,888,467.07
3,616,433.01
3,445,121.57
3,073,483.15
2,700,110.02
2,396,495.30
2,133,108.56
1,829,956.18
1,647,898.24
1,450,143.96
Contingent Liabilities
1,121,246.28
1,166,334.80
1,184,907.82
1,184,201.34
1,190,338.69
1,172,565.68
1,056,483.76
937,155.50
852,755.36
697,295.12
Bills for collection
70,047.23
148,120.44
155,454.12
106,611.68
105,970.51
90,196.99
80,201.67
80,410.05
68,865.70
56,491.43
Adjusted Book Value
235.13
230.23
227.75
230.87
216.17
197.40
182.79
158.31
131.45
130.95

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Cash From Operating Activity
29,556.01
-96,507.91
77,406.00
14,476.68
46,402.89
19,141.68
24,331.79
-30,114.14
43,900.13
-8,372.39
PBT
4,451.06
-12,613.79
1,576.74
17,658.09
25,331.50
21,009.84
25,475.05
23,982.59
19,424.77
18,402.21
Adjustment
63,913.98
79,238.01
67,661.24
44,857.42
28,817.89
25,389.06
20,615.37
24,067.64
15,590.84
2,792.92
Adjustments for Liabilities & Assets
-30,633.80
-155,121.70
9,545.95
-38,540.40
-229.13
-14,655.91
-17,316.26
-67,446.32
16,556.73
-21,123.09
Refund/(Payment) of direct taxes
-8,175.23
-8,010.42
-1,377.93
-9,498.43
-7,517.37
-12,601.31
-4,442.37
-10,718.05
-7,672.21
-8,444.43
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
-856.77
11,065.77
-2,832.12
-3,668.56
-3,430.41
-3,536.49
-3,653.23
-2,319.25
-1,646.02
-1,344.61
Net Fixed Assets
-1487.19
-2716.41
-34635.68
-2298.08
-2252.74
-1421.23
-2658.84
-1603.50
-1452.35
-1402.66
Other Investment Activity
-51529.41
-63940.11
-62060.14
-27186.31
-24994.31
-22858.31
-20103.10
-16771.03
-14866.12
-13700.05
Cash from Financing Activity
447.64
5,547.16
-4,196.48
4,348.45
-1,553.27
3,583.06
-4,423.54
2,208.85
1,251.56
-3,272.61
Closing Cash & Equivalent
225,512.26
195,289.11
273,197.16
204,559.47
208,586.57
167,161.34
145,227.73
127,590.83
155,327.45
111,853.87
Net Cash Inflow / Outflow
29,146.87
-79,894.98
70,377.40
15,156.57
41,419.22
19,188.25
16,255.02
-30,224.55
43,505.67
-12,989.61
Opening Cash & Equivalents
195,289.11
273,878.91
204,559.47
188,481.05
167,161.34
145,227.73
127,590.83
155,327.45
111,853.87
125,261.70

Financial Ratios

Consolidated /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Mar 10
Book Value
235.13
230.23
227.75
230.87
216.17
197.40
182.79
158.31
131.45
130.95
NIM
2.73
2.47
2.54
2.69
2.93
2.91
2.97
3.30
2.88
2.40
Yield on Advances
11.38
11.68
12.15
11.80
12.29
11.98
12.06
12.65
11.29
11.51
Yield on Investments
7.52
7.54
7.59
7.79
8.70
8.48
8.00
7.19
7.38
7.16
Cost of Liabilities
4.65
4.74
5.08
5.47
5.80
5.89
5.83
5.68
4.87
5.38
Interest Spread
6.73
6.94
7.07
6.33
6.49
6.09
6.23
6.97
6.42
6.13
ROCE
3.35%
-0.30%
2.06%
6.08%
9.64%
9.56%
12.28%
14.05%
12.64%
12.66%
Cost Income Ratio
65.67
60.12
58.38
56.98
59.00
60.08
56.35
53.51
58.32
63.10
Core Cost Income Ratio
66.35
65.47
64.30
59.87
65.00
63.80
58.50
52.34
60.57
71.57
Operating Costs to Assets
2.95
2.66
2.53
2.42
2.71
2.64
2.48
2.56
2.82
2.92
Loans/Deposits
0.14
0.14
0.13
0.16
0.12
0.12
0.13
0.11
0.11
0.11
Cash/Deposits
0.06
0.06
0.06
0.07
0.07
0.06
0.06
0.06
0.10
0.07
Investment/Deposits
0.38
0.43
0.40
0.36
0.33
0.32
0.32
0.33
0.33
0.37
Inc Loan/Deposits
14.07%
13.56%
12.94%
16.03%
11.92%
12.17%
12.52%
11.17%
11.35%
10.93%
Credit Deposits
75.73%
72.01%
72.96%
82.98%
82.43%
85.83%
85.57%
82.26%
80.16%
77.88%
Interest Expended / Interest earned
61.53%
64.03%
64.71%
64.84%
64.04%
64.25%
63.59%
60.68%
59.92%
66.58%
Interest income / Total funds
6.51%
6.33%
6.69%
7.18%
7.70%
7.89%
7.87%
8.04%
6.90%
6.90%
Interest Expended / Total funds
4.01%
4.05%
4.33%
4.65%
4.93%
5.07%
5.01%
4.88%
4.13%
4.60%
CASA
44.55%
44.46%
43.70%
40.62%
39.43%
40.34%
40.75%
40.69%
44.90%
42.65%

News Update:


  • SBI to adopt repo rate as external benchmark for all floating rate loans from October
    23rd Sep 2019, 11:07 AM

    RBI had mandated all banks to link all new floating rate personal or retail loans and floating rate loans to MSMEs to an external benchmark from October 1 onwards

    Read More
  • SBI to launch co-lending business model with 4-5 NBFCs
    23rd Sep 2019, 09:43 AM

    Under the co-lending model, the bank will have an exposure between 70 and 80 percent while the rest will be borne by the NBFCs

    Read More
  • SBI to seek clarifications from RBI on fixed-floating home loan rate
    16th Sep 2019, 11:10 AM

    The move comes after the RBI has mandated banks to shift all retail lending to floating rates that will be determined by external benchmarks like the repo rate

    Read More
  • SBI expresses desire to be become lead-bank for Ladakh
    16th Sep 2019, 10:28 AM

    The Bank has inaugurated a new branch in this remote town of Diskit in the Nubra Valley

    Read More
  • SBI to divest stake in SBI Life
    12th Sep 2019, 09:38 AM

    The ECCB of the bank at its meeting held on September 11, 2019 has approved the same

    Read More
  • SBI partners with Edelweiss Financial Services’ arm for Co-Origination of loans to MSMEs
    5th Sep 2019, 16:33 PM

    The bank has entered into agreement to increase access to credit for Micro, Small and Medium Enterprises

    Read More
  • SBI inks pact with ESIC for direct transfer of benefits
    4th Sep 2019, 10:21 AM

    The bank would provide e-payment integration with the enterprise resource planning processes of ESIC through its cash management product e-payment technology platform

    Read More
  • SBI raises Rs 3105 crore through Basel-III compliant bonds
    3rd Sep 2019, 10:50 AM

    The Board of the company at its meeting held on August 30, 2019, approved the same

    Read More
  • SBI not looking at any recapitalization from govt
    28th Aug 2019, 11:04 AM

    As per the bank, it is well-capitalised

    Read More
  • SBI offers home, auto loans at cheaper rates during festival season
    20th Aug 2019, 15:44 PM

    Customers can avail the cheaper loans with added benefits

    Read More
  • SBI Planning to eliminate debit cards from banking system
    20th Aug 2019, 09:45 AM

    There are around 90 crore debit cards in the country as against 3 crore credit cards

    Read More
  • SBI extends credit period of stressed auto dealers
    19th Aug 2019, 10:18 AM

    Normally the credit period is of 60 days but the bank has extended the same to 75 days in some cases or 90 days in others

    Read More
  • SBI aims to achieve credit growth of 12-14% in FY20
    19th Aug 2019, 09:52 AM

    The bank's credit growth was 14 per cent in the last fiscal

    Read More
  • SBI planning to dilute stake in credit card business
    16th Aug 2019, 10:32 AM

    The Bank currently holds 74 per cent stake in SBI Cards & Payment Services

    Read More
  • SBI invites bids for overseas oil & gas assets of Videocon Industries
    6th Aug 2019, 11:50 AM

    SBI had appointed consultant Deloitte to find buyers for Videocon's exploration assets in Brazil and Indonesia

    Read More
  • SBI’s Shanghai branch becomes 1st Indian Bank to link up with CNAPS
    5th Aug 2019, 14:43 PM

    SBI is the only Indian bank to have obtained the license to do business in local currency

    Read More
  • RBI imposes Rs 50 lakh fine on SBI
    5th Aug 2019, 10:56 AM

    The RBI has imposed a penalty on the bank for non-compliance with its directions relating to reporting of frauds

    Read More
  • State Bank of India turns black in Q1
    2nd Aug 2019, 15:25 PM

    Total consolidated income of the bank increased by 11.32% at Rs 83486.01 crore for Q1FY20

    Read More
  • SBI - Quarterly Results
    2nd Aug 2019, 13:48 PM

    Read More
  • SBI tightens lending norms for auto dealers: Report
    31st Jul 2019, 11:59 AM

    The bank is seeking to reduce its exposure to risk from a sector in the midst of a sharp downturn

    Read More
  • SBI partners with SLCM
    29th Jul 2019, 10:19 AM

    SLCM will be the custodian of the commodities which the bank has taken as a security against the loans, issued by it

    Read More
  • SBI to revise export transactions related service charges
    26th Jul 2019, 09:57 AM

    The revised charges will be applicable from September 1

    Read More
  • RBI imposes penalty of Rs 7 crore on SBI
    16th Jul 2019, 09:33 AM

    The RBI has imposed penalty for non-compliance with the directions issued by it

    Read More
  • SBI waives RTGS, NEFT charges
    13th Jul 2019, 11:08 AM

    The bank has also decided to do away with the charges on fund transfer through mobile phones using the IMPS from August 1

    Read More
  • SBI puts up two NPA accounts for sale to recover dues of Rs 309 crore
    12th Jul 2019, 09:34 AM

    The bank is placing Rajashree Sugars and Chemicals and Shree Vaishnavi Ispat for sale

    Read More
  • SBI decides to remove IMPS charges on internet banking: Report
    8th Jul 2019, 15:35 PM

    The bank has revised the same on IMPS transactions at branches

    Read More
  • State Bank of India to raise Rs 7,000 crore via bonds
    3rd Jul 2019, 11:19 AM

    The central board at its meeting held on July 01, 2019 accorded approval for the same

    Read More
  • SBI inks MoU with NIIF to boost availability of capital for infra projects
    2nd Jul 2019, 10:44 AM

    The scope of the MoU includes equity investments, project funding, bond financing

    Read More
  • SBI planning to raise additional tier-1 capital
    27th Jun 2019, 12:07 PM

    The meeting of Central Board of the Bank is scheduled to be held on July 1, 2019 to consider the same

    Read More
  • SBI planning to expand its market in Singapore SME businesses
    24th Jun 2019, 10:17 AM

    The bank also plans to offer its YONO app, an omnichannel service at the fingertip, to manage a wide range of financial services

    Read More

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