St Bk of India

Market Cap: Large Cap
Industry: Bank - Public
ISIN: INE062A01020
NSEID: SBIN
BSEID: 500112

INR

755.20

13.15 (1.77%)

BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 62.91 lacs

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Annual Results

Results Snapshot

Figures in Rs cr

Standalone Annual Results

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Mar'19

Mar'18

Interest Earned

4,15,130.66

3,32,103.06

2,75,457.29

2,65,150.63

2,57,323.59

2,42,868.65

2,20,499.31

Income On Investments

1,08,640.51

95,928.27

84,877.20

79,808.09

68,204.72

74,406.16

70,337.61

Interest On Balances With Rbi Other Inter Bank Funds

5,090.19

3,491.01

4,377.91

4,317.53

2,920.40

1,179.07

2,250.00

Interest / Discount On Advances / Bills

2,88,038.24

2,21,400.65

1,71,823.73

1,71,429.14

1,79,748.84

1,61,640.23

1,41,363.17

Others

13,361.72

11,283.13

14,378.45

9,595.87

6,449.63

5,643.19

6,548.53

Other Income

51,682.16

36,615.60

40,563.91

43,496.37

45,221.48

36,774.89

44,600.69

Total Income

4,66,812.82

3,68,718.66

3,16,021.20

3,08,647.00

3,02,545.07

2,79,643.54

2,65,100.00

Interest Expended

2,55,254.83

1,87,262.56

1,54,749.70

1,54,440.63

1,59,238.77

1,54,519.78

1,45,645.60

Net Interest Income

1,59,875.83

1,44,840.50

1,20,707.59

1,10,710.00

98,084.82

88,348.87

74,853.71

Total Expenditure (Excl Depreciation)

1,17,760.81

97,743.13

85,979.13

82,652.22

75,173.69

69,687.73

59,943.45

Employee Cost

71,236.98

57,291.84

50,143.60

50,936.00

45,714.97

41,054.71

33,178.68

Other Operating Expenses

46,523.83

40,451.29

35,835.53

31,716.22

29,458.72

28,633.02

26,764.77

Operating Profit Before Provisions and Contingencies

93,797.18

83,712.97

75,292.37

70,014.42

61,916.97

53,875.48

54,074.78

Exceptional Items

0.00

Provisions and contingencies

4,914.22

16,507.33

24,452.13

44,013.03

43,069.85

53,828.55

75,039.19

Profit Before Tax

81,782.96

67,205.64

43,421.85

27,541.12

25,062.76

1,607.48

-15,528.24

Tax

20,706.34

16,973.19

11,745.87

7,130.65

10,574.65

745.25

-8,980.79

Profit After Tax

61,076.62

50,232.45

31,675.98

20,410.47

14,488.11

862.23

-6,547.45

Extraordinary Items

-5,302.38

0.00

-5,411.67

1,141.08

3,593.09

837.06

5,436.17

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

66,379.00

50,232.45

37,087.65

19,269.39

10,895.02

25.17

-11,983.62

Face Value

1.0

Reserves

3,48,798.42

2,98,959.73

2,55,817.73

2,29,405.38

2,07,352.30

1,95,367.42

1,93,388.12

Earnings per share (EPS)

68.44

56.29

35.49

22.87

16.23

0.97

-7.34

Diluted Earnings per share

76.39

56.29

43.8

21.14

16.23

-0.78

-13.43

Operating Profit Margin (Excl OI)

68.74%

65.6%

57.22%

52.23%

54.05%

49.14%

38.78%

Gross Profit Margin

19.7%

20.24%

15.76%

10.39%

9.74%

0.66%

-7.04%

PAT Margin

14.71%

15.13%

11.5%

7.7%

5.63%

0.36%

-2.97%

Net Interest Margin

3.28%

3.37%

3.12%

3.04%

3.19%

2.95%

2.67%

Return on Assets

0.0%

CASA (%)

41.11%

48.3%

45.28%

46.13%

45.16%

45.74%

45.68%

CASA Amount

19,41,996.00

18,62,904.00

17,75,084.00

16,46,974.00

14,10,981.00

12,87,285.00

11,87,294.00

Capital Adequacy Ratio (Total)

14.28%

14.68%

13.83%

13.74%

13.06%

12.72%

12.6%

Capital Adequacy Ratio (Tier 1)

11.93%

12.06%

11.42%

11.44%

11.0%

10.65%

10.36%

Provision Coverage Ratio (%)

75.02%

76.39%

75.04%

87.75%

83.62%

78.73%

66.17%

Amount of Gross NPAs

84,276.33

90,927.78

1,12,023.37

1,26,389.02

1,49,091.85

1,72,750.36

2,23,427.46

Amount of Net NPAs

21,051.08

21,466.64

27,965.71

36,809.72

51,871.30

65,894.74

1,10,854.70

% of Net NPAs

0.57%

0.67%

1.02%

1.5%

2.23%

3.01%

5.73%

% of Gross NPAs

2.24%

2.78%

3.97%

4.98%

6.15%

7.53%

10.91%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

63580.0

65627.0

65000.0

62617.0

58555.0

58415.0

59541.0

Number of Branches

22542.0

22405.0

22266.0

22219.0

22141.0

22010.0

22414.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2024 is 25.0% vs 20.56% in Mar 2023

Net Profit

YoY Growth in year ended Mar 2024 is 32.14% vs 35.44% in Mar 2023

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2024 is 12.05% vs 11.18% in Mar 2023

% of Net NPAs

YoY Growth in year ended Mar 2024 is -0.10% vs -0.35% in Mar 2023

% of Gross NPAs

YoY Growth in year ended Mar 2024 is -0.54% vs -1.19% in Mar 2023

Compare Annual Results Of St Bk of India With

Select Peers

Figures in Rs cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

4,15,130.66

1,12,605.94

3,02,524.72

268.66%

Income On Investments

1,08,640.51

24,865.68

83,774.83

336.91%

Interest On Balances With Rbi Other Inter Bank Funds

5,090.19

1,721.08

3,369.11

195.76%

Interest / Discount On Advances / Bills

2,88,038.24

85,098.23

2,02,940.01

238.48%

Others

13,361.72

920.95

12,440.77

1350.86%

Other Income

51,682.16

14,495.37

37,186.79

256.54%

Total Income

4,66,812.82

1,27,101.31

3,39,711.51

267.28%

Interest Expended

2,55,254.83

67,884.41

1,87,370.42

276.01%

Net Interest Income

1,59,875.83

44,721.53

1,15,154.30

257.49%

Total Expenditure (Excl Depreciation)

1,17,760.81

28,251.68

89,509.13

316.83%

Employee Cost

71,236.98

15,816.00

55,420.98

350.41%

Other Operating Expenses

46,523.83

12,435.68

34,088.15

274.12%

Operating Profit Before Provisions and Contingencies

93,797.18

30,965.22

62,831.96

202.91%

Exceptional Items

0.00

Provisions and contingencies

4,914.22

6,075.61

-1,161.39

-19.12%

Profit Before Tax

81,782.96

24,889.61

56,893.35

228.58%

Tax

20,706.34

7,100.83

13,605.51

191.6%

Profit After Tax

61,076.62

17,788.78

43,287.84

243.34%

Extraordinary Items

-5,302.38

0.00

-5,302.38

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

66,379.00

17,788.78

48,590.22

273.15%

Face Value

1.00

2.00

0.00

Reserves

3,48,798.42

1,06,175.71

2,42,622.71

228.51%

Earnings per share (EPS)

68.44

34.36

34.08

99.19%

Diluted Earnings per share

76.39

34.40

41.99

122.06%

Operating Profit Margin (Excl OI)

68.74%

69.52%

0.00

-0.78%

Gross Profit Margin

19.70%

22.10%

0.00

-2.40%

PAT Margin

14.71%

15.80%

0.00

-1.09%

Net Interest Margin

3.28%

3.18%

0.10

0.10%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

41.11%

41.33%

-0.22

-0.22%

CASA Amount

19,41,996.00

4,66,400.00

14,75,596.00

316.38%

Capital Adequacy Ratio (Total)

14.28%

16.31%

-2.03

-2.03%

Capital Adequacy Ratio (Tier 1)

11.93%

14.07%

-2.14

-2.14%

Provision Coverage Ratio (%)

75.02%

93.30%

-18.28

-18.28%

Amount of Gross NPAs

84,276.33

31,833.63

52,442.70

164.74%

Amount of Net NPAs

21,051.08

7,213.34

13,837.74

191.84%

% of Net NPAs

0.57%

0.68%

-0.11

-0.11%

% of Gross NPAs

2.24%

2.92%

-0.68

-0.68%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

63,580.00

0.00

63,580.00

Number of Branches

22,542.00

0.00

22,542.00

Annual - Interest Earned

Interest Earned 415130.66 Cr

in Mar 2024

Figures in Rs Cr

YoY Growth in year ended Mar 2024 is 25.0% vs 20.56% in Mar 2023

Annual - Net Profit

Net Profit 66,379.00 Cr

in Mar 2024

Figures in Rs Cr

YoY Growth in year ended Mar 2024 is 32.14% vs 35.44% in Mar 2023

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 93,797.18 Cr

in Mar 2024

Figures in Rs Cr

YoY Growth in year ended Mar 2024 is 12.05% vs 11.18% in Mar 2023

Annual - % of Net NPAs

% of Net NPAs 0.57%

in Mar 2024

Figures in Rs %

YoY Growth in year ended Mar 2024 is -0.10% vs -0.35% in Mar 2023

Annual - % of Gross NPAs

% of Gross NPAs 2.24%

in Mar 2024

Figures in Rs %

YoY Growth in year ended Mar 2024 is -0.54% vs -1.19% in Mar 2023