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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Nine Monthly Results

Results Snapshot

Figures in Rs cr

Standalone Nine Monthly Results

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Dec'18

Interest Earned

3,42,823.17

3,04,088.03

2,39,152.00

2,04,724.04

2,00,048.99

1,94,642.19

1,79,883.27

Income On Investments

85,575.17

80,440.00

70,634.54

63,037.56

59,431.21

50,888.26

56,492.38

Interest On Balances With Rbi Other Inter Bank Funds

3,286.92

3,924.43

2,646.49

3,454.11

2,951.60

1,971.53

780.16

Interest / Discount On Advances / Bills

2,43,620.62

2,10,904.44

1,57,721.48

1,27,213.16

1,31,215.43

1,37,169.18

1,19,012.48

Others

10,340.46

8,819.16

8,149.49

11,019.21

6,450.75

4,613.22

3,598.25

Other Income

37,473.18

34,312.91

22,654.20

28,683.76

27,271.05

29,144.03

24,089.77

Total Income

3,80,296.35

3,38,400.94

2,61,806.20

2,33,407.80

2,27,320.04

2,23,786.22

2,03,973.04

Interest Expended

2,18,632.67

1,85,867.39

1,34,704.01

1,15,214.31

1,16,405.99

1,19,324.29

1,14,488.23

Net Interest Income

1,24,190.50

1,18,220.64

1,04,447.99

89,509.73

83,643.00

75,317.90

65,395.04

Total Expenditure (Excl Depreciation)

82,370.55

87,483.92

68,010.33

62,617.95

59,060.05

54,794.45

50,981.88

Employee Cost

46,347.04

54,888.88

39,675.41

37,587.57

37,553.22

33,676.30

30,576.72

Other Operating Expenses

36,023.51

32,595.04

28,334.92

25,030.38

21,506.83

21,118.15

20,405.16

Operating Profit Before Provisions and Contingencies

79,293.13

65,049.63

59,091.86

55,575.54

50,314.27

46,183.18

36,942.38

Exceptional Items

0.00

Provisions and contingencies

8,866.21

3,304.44

13,191.62

17,214.68

32,962.00

29,574.77

37,326.65

Profit Before Tax

70,426.92

54,645.19

45,900.24

30,942.47

18,892.00

20,092.71

1,176.28

Tax

18,168.88

14,266.92

12,362.30

8,380.02

4,932.28

9,185.42

1,152.45

Profit After Tax

52,258.04

40,378.27

33,537.94

22,562.45

13,959.72

10,907.29

23.83

Extraordinary Items

0.00

-5,185.12

0.00

-5,404.85

1,133.78

2,033.33

1,560.55

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

52,258.04

45,563.39

33,537.94

27,967.30

12,825.94

8,873.96

-1,536.72

Face Value

1.0

Reserves

0.00

Operating Profit Margin (Excl OI)

75.97%

71.23%

71.56%

69.41%

70.48%

71.85%

71.66%

Gross Profit Margin

0.0%

PAT Margin

15.24%

13.28%

14.02%

11.02%

6.98%

5.6%

0.01%

Net Interest Margin

3.01%

3.22%

3.5%

3.15%

3.12%

3.33%

2.97%

Return on Assets

0.0%

CASA (%)

39.2%

41.18%

44.48%

45.74%

45.15%

44.72%

45.23%

CASA Amount

19,65,237.00

18,81,297.00

18,00,677.00

17,00,688.00

15,46,424.00

13,40,830.00

12,37,578.00

Capital Adequacy Ratio (Total)

13.03%

13.05%

13.27%

13.23%

14.5%

13.73%

12.77%

Capital Adequacy Ratio (Tier 1)

10.85%

10.58%

10.8%

10.91%

11.73%

11.59%

10.54%

Provision Coverage Ratio (%)

74.66%

74.17%

76.12%

88.32%

90.21%

81.73%

74.63%

Amount of Gross NPAs

84,360.38

86,748.81

98,346.50

1,20,028.77

1,17,244.23

1,59,661.19

1,87,764.57

Amount of Net NPAs

21,377.64

22,408.38

23,484.31

34,539.68

29,031.72

58,248.61

80,943.51

% of Net NPAs

0.53%

0.64%

0.77%

1.34%

1.23%

2.65%

3.95%

% of Gross NPAs

2.07%

2.42%

3.14%

4.5%

4.77%

6.94%

8.71%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

0.0

65650.0

64216.0

57889.0

58599.0

58350.0

Number of Branches

0.0

22381.0

22253.0

22330.0

21959.0

22090.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2024 is 12.74% vs 27.15% in Dec 2023

Net Profit

YoY Growth in nine months ended Dec 2024 is 14.69% vs 35.86% in Dec 2023

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2024 is 21.90% vs 10.08% in Dec 2023

% of Net NPAs

YoY Growth in nine months ended Dec 2024 is -0.11% vs -0.13% in Dec 2023

% of Gross NPAs

YoY Growth in nine months ended Dec 2024 is -0.35% vs -0.72% in Dec 2023

Compare Nine Monthly Results Of St Bk of India With

Select Peers

Figures in Rs cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

3,42,823.17

90,799.62

2,52,023.55

277.56%

Income On Investments

85,575.17

19,527.34

66,047.83

338.23%

Interest On Balances With Rbi Other Inter Bank Funds

3,286.92

1,191.93

2,094.99

175.76%

Interest / Discount On Advances / Bills

2,43,620.62

69,529.09

1,74,091.53

250.39%

Others

10,340.46

551.26

9,789.20

1775.79%

Other Income

37,473.18

11,437.50

26,035.68

227.63%

Total Income

3,80,296.35

1,02,237.12

2,78,059.23

271.97%

Interest Expended

2,18,632.67

56,160.57

1,62,472.10

289.3%

Net Interest Income

1,24,190.50

34,639.05

89,551.45

258.53%

Total Expenditure (Excl Depreciation)

82,370.55

21,774.04

60,596.51

278.3%

Employee Cost

46,347.04

12,260.40

34,086.64

278.02%

Other Operating Expenses

36,023.51

9,513.64

26,509.87

278.65%

Operating Profit Before Provisions and Contingencies

79,293.13

24,302.51

54,990.62

226.28%

Exceptional Items

0.00

Provisions and contingencies

8,866.21

4,428.74

4,437.47

100.2%

Profit Before Tax

70,426.92

19,873.77

50,553.15

254.37%

Tax

18,168.88

5,340.35

12,828.53

240.22%

Profit After Tax

52,258.04

14,533.42

37,724.62

259.57%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

52,258.04

14,533.42

37,724.62

259.57%

Face Value

1.00

2.00

0.00

Reserves

0.00

PAT Margin

15.24%

16.01%

0.00

-0.77%

Net Interest Margin

3.01%

2.94%

0.07

0.07%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

39.20%

39.68%

-0.48

-0.48%

CASA Amount

19,65,237.00

4,62,618.00

15,02,619.00

324.81%

Capital Adequacy Ratio (Total)

13.03%

15.96%

-2.93

-2.93%

Capital Adequacy Ratio (Tier 1)

10.85%

13.44%

-2.59

-2.59%

Provision Coverage Ratio (%)

74.66%

93.51%

-18.85

-18.85%

Amount of Gross NPAs

84,360.38

28,471.22

55,889.16

196.3%

Amount of Net NPAs

21,377.64

6,825.06

14,552.58

213.22%

% of Net NPAs

0.53%

0.59%

-0.06

-0.06%

% of Gross NPAs

2.07%

2.43%

-0.36

-0.36%

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

0.00

Number of Branches

0.00

Nine Monthly - Interest Earned

Interest Earned 342823.17 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 12.74% vs 27.15% in Dec 2023

Nine Monthly - Net Profit

Net Profit 52,258.04 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 14.69% vs 35.86% in Dec 2023

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 79,293.13 Cr

in Dec 2024

Figures in Rs Cr

YoY Growth in nine months ended Dec 2024 is 21.90% vs 10.08% in Dec 2023

Nine Monthly - % of Net NPAs

% of Net NPAs 0.53%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -0.11% vs -0.13% in Dec 2023

Nine Monthly - % of Gross NPAs

% of Gross NPAs 2.07%

in Dec 2024

Figures in Rs %

YoY Growth in nine months ended Dec 2024 is -0.35% vs -0.72% in Dec 2023