SBIN Financial Statements

SBIN Half Yearly Results

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Y/e 31 Mar Mar-2017 Mar-2016 Mar-2015 Mar-2014
Growth matrix (%)        
Net interest income 8.16 3.96 11.60 11.20
Total op income 14.40 9.60 14.40 12.40
Op profit (pre-provision) 17.50 9.41 23.10 3.31
Net profit 5.36 (24) 20.30 (23)
Advances 7.34 12.60 7.46 15.70
Deposits 18.10 7.28 12.70 15.70
Total assets 14.60 15.10 14.30 14.40
Profitability Ratios (%)        
NIM 2.84 2.96 3.16 3.17
Non-int inc/Total inc 36.40 32.70 29.10 27.40
Return on Avg Equity 6.31 7.30 10.60 10
Return on Avg Assets 0.41 0.45 0.68 0.65
Per share ratios ()        
EPS 13.20 12.40 17 14.20
Adj.BVPS -- -- -- --
DPS 2.60 2.60 3.50 3
Other key ratios (%)        
Credit/Deposits 0.77 0.85 0.81 0.85
Cost/Income 111 110 107 122
CASA 45.60 43.80 42.90 44.40
CAR 13.10 13.10 12 12.40
Tier-I capital 10.40 9.92 9.60 9.72
Gross NPLs/Loans -- -- -- --
Prov/Avg loans 2.37 2.13 1.61 1.41
Net NPLs/Net loans -- -- -- --
Tax rate 0.42 0.38 0.47 0.49
Dividend yield 0.89 1.34 1.31 15.60
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Y/e 31 Mar ( In .Cr) Mar-2017 Mar-2016 Mar-2015 Mar-2014
Interest income 175,518 163,998 152,397 136,351
Interest expense (113,659) (106,803) (97,382) (87,069)
Net interest income 61,860 57,195 55,015 49,282
Non-interest income 35,461 27,845 22,576 18,553
Total op income 97,321 85,040 77,591 67,835
Total op expenses (46,473) (41,782) (38,054) (35,726)
Op profit (pre-prov) 50,848 43,258 39,537 32,109
Provisions (35,993) (29,484) (20,223) (15,935)
Exceptionals -- -- -- --
Profit before tax 14,855 13,774 19,314 16,174
Taxes (4,371) (3,823) (6,212) (5,283)
Net profit 10,484 9,951 13,102 10,891
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Y/e 31 Mar ( In .Cr) Mar-2022 Mar-2021 Mar-2020 Mar-2019
Total cash & equivalents 394,552 343,039 251,097 222,490
Investments 1,481,445 1,351,705 1,046,955 967,022
Advances 2,733,967 2,449,498 2,325,290 2,185,877
Total int-earning assets 4,609,964 4,144,242 3,623,341 3,375,389
Fixed assets 37,708 38,419 38,439 39,198
Other assets 350,425 361,172 297,715 277,410
Total assets 4,998,097 4,543,833 3,959,495 3,691,996
Net worth 280,088 253,875 232,007 220,914
Deposits 4,051,534 3,681,277 3,241,621 2,911,386
Borrowings 426,043 417,298 314,656 403,017
Total int-bearing liabs 4,477,578 4,098,575 3,556,276 3,314,403
Non-int-bearing liabs 240,432 191,383 171,211 156,679
Total liabilities 4,718,009 4,289,958 3,727,487 3,471,083
Equity + Total liabilities 4,998,097 4,543,833 3,959,495 3,691,996
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Particulars ( Rupees In Crores.) Mar-2022 Sep-2021 Mar-2021 Sep-2020
Interest Earned 140,411 135,046 131,836 133,314
Other Income 20,554 20,010 25,471 18,025
Total Income 160,965 155,056 157,308 151,339
Operating Expenses ** 122,726 125,421 120,274 116,819
Operating Profit Before Prov. & Cont. 38,238 29,636 37,033 34,521
Provisions & Contingencies 14,211 10,241 21,393 22,620
Depreciation -- -- -- --
Provision For Taxes 6,482 5,264 3,993 3,138
Fringe Benefit Tax  -- -- -- --
Deferred Tax -- -- -- --
Net Profit 17,545 14,131 11,647 8,764
Extra-ordinary Items -- (5,405) -- 1,134
Adjusted Profit After Extra-ordinary item 17,545 19,535 11,647 7,630
EPS (Unit Curr.) 19.70 15.80 13.10 9.82
EPS (Adj) (Unit Curr.) 19.70 15.80 13.10 9.82
Calculated EPS (Unit Curr.)  19.70 15.80 13.10 9.82
Calculated EPS (Adj) (Unit Curr.) 19.70 15.80 13.10 9.82
Calculated EPS (Ann.) (Unit Curr.)  39.30 31.70 26.10 19.60
Calculated EPS (Adj) (Ann.) (Unit Curr.)  39.30 31.70 26.10 19.60
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 892 892 892 892
Reserve & Surplus  -- -- -- --
Face Value 1 1 1 1
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity) -- -- -- --
(%) of shares held by GOI -- 56.90 -- 56.90
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 73 70.80 69.50 67.80
PBDTM(%) 17.10 14.40 11.90 8.93
PATM(%) 12.50 10.50 8.83 6.57
Capital Adequacy Ratio -- -- -- --
Tier I Capital -- -- -- --
Tier II Capital -- -- -- --
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