Quarterly Results Results Snapshot
YoYQoQ
Figures in Rs cr
Standalone Quarterly Results
Dec'24
Sep'24
Jun'24
Mar'24
Dec'23
Sep'23
Jun'23
Interest Earned
1,17,426.63
1,13,870.56
1,11,525.98
1,11,042.63
1,06,733.78
1,01,378.80
95,975.45
Income On Investments
29,286.30
28,023.64
28,265.23
28,200.51
28,430.73
27,002.31
25,006.96
Interest On Balances With Rbi Other Inter Bank Funds
1,243.90
980.89
1,062.13
1,165.76
1,274.53
1,290.59
1,359.31
Interest / Discount On Advances / Bills
83,399.48
81,528.57
78,692.57
77,133.80
73,516.97
70,259.53
67,127.94
Others
3,496.95
3,337.46
3,506.05
4,542.56
3,511.55
2,826.37
2,481.24
Other Income
11,040.76
15,270.55
11,161.87
17,369.25
11,458.90
10,790.63
12,063.38
Total Income
1,28,467.39
1,29,141.11
1,22,687.85
1,28,411.88
1,18,192.68
1,12,169.43
1,08,038.83
Interest Expended
75,981.12
72,251.02
70,400.53
69,387.44
66,918.05
61,878.84
57,070.50
Net Interest Income
41,445.51
41,619.54
41,125.45
41,655.19
39,815.73
39,499.96
38,904.95
Total Expenditure (Excl Depreciation)
28,935.46
27,596.35
25,838.74
30,276.89
30,938.55
30,873.97
25,671.40
Employee Cost
16,073.72
14,807.35
15,465.97
16,348.10
19,361.82
18,926.39
16,600.67
Other Operating Expenses
12,861.74
12,789.00
10,372.77
13,928.79
11,576.73
11,947.58
9,070.73
Operating Profit Before Provisions and Contingencies
23,550.81
29,293.74
26,448.58
28,747.55
20,336.08
19,416.62
25,296.93
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
911.06
4,505.73
3,449.42
1,609.78
687.85
115.28
2,501.31
Profit Before Tax
22,639.75
24,788.01
22,999.16
27,137.77
12,548.23
19,301.34
22,795.62
Tax
5,748.31
6,456.57
5,964.00
6,439.42
3,384.27
4,971.32
5,911.33
Profit After Tax
16,891.44
18,331.44
17,035.16
20,698.35
9,163.96
14,330.02
16,884.29
Extraordinary Items
0.00
0.00
0.00
0.00
-5,185.12
0.00
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
16,891.44
18,331.44
17,035.16
20,698.35
14,349.08
14,330.02
16,884.29
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)
18.93
20.54
19.09
23.19
10.27
16.06
18.92
Diluted Earnings per share
18.93
20.54
19.09
23.19
18.22
16.06
18.92
Operating Profit Margin (Excl OI)
74.58%
71.81%
73.74%
71.28%
63.72%
69.43%
70.65%
Gross Profit Margin
19.28%
21.77%
20.62%
24.44%
11.76%
19.04%
23.75%
PAT Margin
14.38%
16.1%
15.27%
18.64%
8.59%
14.14%
17.59%
Net Interest Margin
3.01%
3.14%
3.22%
3.3%
3.22%
3.29%
3.33%
Return on Assets
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
CASA (%)
39.2%
40.03%
40.7%
41.11%
41.18%
41.88%
42.88%
CASA Amount
19,65,237.00
19,36,199.00
19,14,440.00
19,41,996.00
18,81,297.00
18,86,014.00
18,66,059.00
Capital Adequacy Ratio (Total)
13.03%
13.76%
13.86%
14.28%
13.05%
14.28%
14.56%
Capital Adequacy Ratio (Tier 1)
10.85%
11.32%
11.78%
11.93%
10.58%
11.78%
11.97%
Provision Coverage Ratio (%)
74.66%
75.66%
74.41%
75.02%
74.17%
75.45%
74.82%
Amount of Gross NPAs
84,360.38
83,369.23
84,226.04
84,276.33
86,748.81
86,974.08
91,327.84
Amount of Net NPAs
21,377.64
20,294.32
21,554.69
21,051.08
22,408.38
21,352.40
22,995.37
% of Net NPAs
0.53%
0.53%
0.57%
0.57%
0.64%
0.64%
0.71%
% of Gross NPAs
2.07%
2.13%
2.21%
2.24%
2.42%
2.55%
2.76%
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
0.0
63580.0
0.0
0.0
0.0
Number of Branches
0.0
0.0
0.0
22542.0
0.0
0.0
0.0
Quarterly Analysis Highlights - YoY
Interest Earned
YoY Growth in quarter ended Dec 2024 is 10.02% vs 23.23% in Dec 2023
Net Profit
YoY Growth in quarter ended Dec 2024 is 17.72% vs 1.01% in Dec 2023
Operating Profit (PBDIT)
YoY Growth in quarter ended Dec 2024 is 15.81% vs -19.36% in Dec 2023
% of Net NPAs
YoY Growth in quarter ended Dec 2024 is -0.11% vs -0.13% in Dec 2023
% of Gross NPAs
YoY Growth in quarter ended Dec 2024 is -0.35% vs -0.72% in Dec 2023
Compare Quarterly Results Of St Bk of India With
Figures in Rs cr
Standalone Quarterly Results
Change(INR)
Change(%)
Interest Earned
1,17,426.63
30,907.61
86,519.02
279.93%
Income On Investments
29,286.30
6,553.23
22,733.07
346.9%
Interest On Balances With Rbi Other Inter Bank Funds
1,243.90
415.18
828.72
199.6%
Interest / Discount On Advances / Bills
83,399.48
23,811.07
59,588.41
250.26%
Others
3,496.95
128.13
3,368.82
2629.22%
Other Income
11,040.76
3,768.86
7,271.90
192.95%
Total Income
1,28,467.39
34,676.47
93,790.92
270.47%
Interest Expended
75,981.12
19,490.72
56,490.40
289.83%
Net Interest Income
41,445.51
11,416.89
30,028.62
263.02%
Total Expenditure (Excl Depreciation)
28,935.46
7,521.51
21,413.95
284.7%
Employee Cost
16,073.72
4,206.68
11,867.04
282.1%
Other Operating Expenses
12,861.74
3,314.83
9,546.91
288.01%
Operating Profit Before Provisions and Contingencies
23,550.81
7,664.24
15,886.57
207.28%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
911.06
1,082.34
-171.28
-15.82%
Profit Before Tax
22,639.75
6,581.90
16,057.85
243.97%
Tax
5,748.31
1,744.56
4,003.75
229.5%
Profit After Tax
16,891.44
4,837.34
12,054.10
249.19%
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
16,891.44
4,837.34
12,054.10
249.19%
Face Value
1.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
18.93
9.34
9.59
102.68%
Diluted Earnings per share
18.93
9.35
9.58
102.46%
Operating Profit Margin (Excl OI)
74.58%
72.16%
0.00
2.42%
Gross Profit Margin
19.28%
21.30%
0.00
-2.02%
PAT Margin
14.38%
15.65%
0.00
-1.27%
Net Interest Margin
3.01%
2.94%
0.07
0.07%
Return on Assets
0.00%
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
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
Quarterly - Interest Earned
Interest Earned 117426.63 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is 3.12% vs 2.1% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 10.02% vs 23.23% in Dec 2023
Quarterly - Net Profit
Net Profit 16,891.44 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is -7.86% vs 7.61% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 17.72% vs 1.01% in Dec 2023
Quarterly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 23,550.81 Cr
in Dec 2024Figures in Rs Cr
QoQ Growth in quarter ended Dec 2024 is -19.60% vs 10.76% in Sep 2024
YoY Growth in quarter ended Dec 2024 is 15.81% vs -19.36% in Dec 2023
Quarterly - % of Net NPAs
% of Net NPAs 0.53%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is 0.00% vs -0.04% in Sep 2024
YoY Growth in quarter ended Dec 2024 is -0.11% vs -0.13% in Dec 2023
Quarterly - % of Gross NPAs
% of Gross NPAs 2.07%
in Dec 2024Figures in Rs %
QoQ Growth in quarter ended Dec 2024 is -0.06% vs -0.08% in Sep 2024
YoY Growth in quarter ended Dec 2024 is -0.35% vs -0.72% in Dec 2023
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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