Results Snapshot
Figures in Rs cr
Standalone Half Yearly Results
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Mar'19
Interest Earned
2,25,396.54
1,97,354.25
1,52,535.96
1,35,045.92
1,33,314.49
1,26,950.20
1,25,261.99
Income On Investments
56,288.87
52,009.27
46,109.18
41,444.49
38,959.14
33,656.28
36,738.19
Interest On Balances With Rbi Other Inter Bank Funds
2,043.02
2,649.90
1,914.23
2,266.38
2,303.36
1,235.12
705.22
Interest / Discount On Advances / Bills
1,60,221.14
1,37,387.47
98,856.47
83,460.42
87,478.68
89,105.85
84,448.25
Others
6,843.51
5,307.61
5,656.08
7,874.63
4,573.31
2,952.95
3,370.33
Other Income
26,432.42
22,854.01
11,186.47
20,010.34
18,024.90
20,038.11
20,720.35
Total Income
2,51,828.96
2,20,208.26
1,63,722.43
1,55,056.26
1,51,339.39
1,46,988.31
1,45,982.34
Interest Expended
1,42,651.55
1,18,949.34
86,156.59
76,223.59
78,491.43
79,411.09
79,617.17
Net Interest Income
82,744.99
78,404.91
66,379.37
58,822.33
54,823.06
47,539.11
45,644.82
Total Expenditure (Excl Depreciation)
53,435.09
56,545.37
43,693.26
41,778.77
38,327.12
36,132.30
36,807.13
Employee Cost
30,273.32
35,527.06
24,918.76
25,116.09
24,435.21
22,220.68
21,649.92
Other Operating Expenses
23,161.77
21,018.31
18,774.50
16,662.68
13,891.91
13,911.62
15,157.21
Operating Profit Before Provisions and Contingencies
55,742.32
44,713.55
33,872.58
37,053.90
32,981.11
27,960.62
29,558.04
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
7,955.15
2,616.59
7,431.05
10,240.71
22,619.61
22,321.87
22,508.11
Profit Before Tax
47,787.17
42,096.96
26,441.53
19,394.80
11,901.23
9,123.05
7,049.93
Tax
12,420.57
10,882.65
7,108.93
5,264.23
3,137.73
3,799.12
2,256.72
Profit After Tax
35,366.60
31,214.31
19,332.60
14,130.57
8,763.50
5,323.93
4,793.21
Extraordinary Items
0.00
0.00
0.00
-5,404.85
1,133.78
2,033.33
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
35,366.60
31,214.31
19,332.60
19,535.42
7,629.72
3,290.60
4,793.21
Face Value
1.0
1.0
1.0
1.0
1.0
1.0
1.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
39.63
34.98
21.66
15.83
9.82
5.97
5.37
Diluted Earnings per share
39.63
34.98
21.66
15.83
9.82
5.97
0.0
Operating Profit Margin (Excl OI)
72.76%
70.02%
66.48%
55.99%
54.28%
53.96%
52.65%
Gross Profit Margin
21.2%
21.33%
17.33%
14.36%
8.93%
7.19%
69.19%
PAT Margin
15.69%
15.82%
12.67%
10.46%
6.57%
4.19%
3.83%
Net Interest Margin
3.18%
3.31%
3.17%
3.09%
3.07%
3.11%
0.0%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
40.03%
41.88%
44.63%
46.24%
45.39%
45.13%
0.0%
CASA Amount
19,36,199.00
18,86,014.00
17,97,751.00
17,06,387.00
15,27,007.00
13,26,171.00
0.00
Capital Adequacy Ratio (Total)
13.76%
14.28%
13.51%
13.35%
14.72%
13.59%
0.0%
Capital Adequacy Ratio (Tier 1)
11.32%
11.78%
11.12%
11.02%
11.9%
11.31%
0.0%
Provision Coverage Ratio (%)
75.66%
75.45%
77.93%
87.68%
88.19%
81.23%
0.0%
Amount of Gross NPAs
83,369.23
86,974.08
1,06,804.14
1,23,941.77
1,25,862.99
1,61,636.05
1,72,750.36
Amount of Net NPAs
20,294.32
21,352.40
23,572.19
37,118.61
36,450.69
59,939.22
65,894.74
% of Net NPAs
0.53%
0.64%
0.8%
1.52%
1.59%
2.79%
3.01%
% of Gross NPAs
2.13%
2.55%
3.52%
4.9%
5.28%
7.19%
7.53%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
65796.0
64122.0
58762.0
58567.0
0.0
Number of Branches
0.0
0.0
22309.0
22230.0
22299.0
21929.0
0.0
Half Yearly Analysis Highlights
Interest Earned
Growth in half year ended Sep 2024 is 14.21% vs 29.38% in Sep 2023
Net Profit
Growth in half year ended Sep 2024 is 13.30% vs 61.46% in Sep 2023
Operating Profit (PBDIT)
Growth in half year ended Sep 2024 is 24.67% vs 32.01% in Sep 2023
% of Net NPAs
Growth in half year ended Sep 2024 is -0.11% vs -0.16% in Sep 2023
% of Gross NPAs
Growth in half year ended Sep 2024 is -0.42% vs -0.97% in Sep 2023
Compare Half Yearly Results Of St Bk of India With
Figures in Rs cr
Standalone Half Yearly Results
Change(INR)
Change(%)
Interest Earned
2,25,396.54
59,892.01
1,65,504.53
276.34%
Income On Investments
56,288.87
12,974.11
43,314.76
333.86%
Interest On Balances With Rbi Other Inter Bank Funds
2,043.02
776.75
1,266.27
163.02%
Interest / Discount On Advances / Bills
1,60,221.14
45,718.02
1,14,503.12
250.46%
Others
6,843.51
423.13
6,420.38
1517.35%
Other Income
26,432.42
7,668.64
18,763.78
244.68%
Total Income
2,51,828.96
67,560.65
1,84,268.31
272.75%
Interest Expended
1,42,651.55
36,669.85
1,05,981.70
289.02%
Net Interest Income
82,744.99
23,222.16
59,522.83
256.32%
Total Expenditure (Excl Depreciation)
53,435.09
14,252.53
39,182.56
274.92%
Employee Cost
30,273.32
8,053.72
22,219.60
275.89%
Other Operating Expenses
23,161.77
6,198.81
16,962.96
273.65%
Operating Profit Before Provisions and Contingencies
55,742.32
16,638.27
39,104.05
235.02%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
7,955.15
3,346.40
4,608.75
137.72%
Profit Before Tax
47,787.17
13,291.87
34,495.30
259.52%
Tax
12,420.57
3,595.79
8,824.78
245.42%
Profit After Tax
35,366.60
9,696.08
25,670.52
264.75%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
35,366.60
9,696.08
25,670.52
264.75%
Face Value
1.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
39.63
18.73
20.90
111.59%
Diluted Earnings per share
39.63
18.75
20.88
111.36%
Operating Profit Margin (Excl OI)
72.76%
70.62%
0.00
2.14%
Gross Profit Margin
21.20%
22.19%
0.00
-0.99%
PAT Margin
15.69%
16.19%
0.00
-0.50%
Net Interest Margin
3.18%
3.14%
0.04
0.04%
Return on Assets
0.00%
0.00%
0.00
0.00%
CASA (%)
40.03%
39.84%
0.19
0.19%
CASA Amount
19,36,199.00
4,58,425.00
14,77,774.00
322.36%
Capital Adequacy Ratio (Total)
13.76%
16.26%
-2.50
-2.50%
Capital Adequacy Ratio (Tier 1)
11.32%
14.18%
-2.86
-2.86%
Provision Coverage Ratio (%)
75.66%
93.61%
-17.95
-17.95%
Amount of Gross NPAs
83,369.23
28,551.20
54,818.03
192.0%
Amount of Net NPAs
20,294.32
6,764.27
13,530.05
200.02%
% of Net NPAs
0.53%
0.60%
-0.07
-0.07%
% of Gross NPAs
2.13%
2.50%
-0.37
-0.37%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
0.00
0.00
0.00
Number of Branches
0.00
0.00
0.00
Half Yearly - Interest Earned
Interest Earned 225396.54 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 14.21% vs 29.38% in Sep 2023
Half Yearly - Net Profit
Net Profit 35,366.60 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 13.30% vs 61.46% in Sep 2023
Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 55,742.32 Cr
in Sep 2024Figures in Rs Cr
Growth in half year ended Sep 2024 is 24.67% vs 32.01% in Sep 2023
Half Yearly - % of Net NPAs
% of Net NPAs 0.53%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is -0.11% vs -0.16% in Sep 2023
Half Yearly - % of Gross NPAs
% of Gross NPAs 2.13%
in Sep 2024Figures in Rs %
Growth in half year ended Sep 2024 is -0.42% vs -0.97% in Sep 2023