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Fincash » Search » State Bank of India

State Bank of India

Updated on October 16, 2020

Stock/Share Code - SBIN

With a legacy of over 200 years, State Bank of India (SBI) traces its ancestry to the Bank of Calcutta founded in 1806 and is the oldest commercial bank in the Indian subcontinent. SBI is an Indian mu...show more

Below is the details of SBIN State Bank of India

Market Cap₹189,202 Cr.
Current Price ₹203.75 as on 21 Oct 20
52 Week High / Low Price₹351 / ₹149.45
Face Value₹1
Stock P/E16.95
Book Value₹259.96
Dividend Yield0.00 %
ROCE4.86 %
ROE4.79 %
Sales Growth (3yrs)13.60 %
SectorBanks
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.82 times its book value
Cons: Though the company is reporting repeated profits, it is not paying out dividend Company has low interest coverage ratio. The company has delivered a poor growth of 11.05% over past five years. Company has a low return on equity of 0.77% for last 3 years. Contingent liabilities of Rs.1270752.77 Cr. Company might be capitalizing the interest cost Earnings include an other income of Rs.46703.27 Cr.

State Bank of India Price Chart

State Bank of India Price Chart

State Bank of India Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. St Bk of India ₹274.95 16.95 ₹189,201.76 Cr. 0.00 ₹4,189.34 Cr. 31.01 6.17 66500.38 4.86
2. Punjab Natl.Bank ₹27.2 ₹32,984.26 Cr. 0.00 ₹537.71 Cr. -49.94 56.32 20832.23 4.69
3. Bank of Baroda ₹42.55 ₹22,617.67 Cr. 0.00 -₹678.71 Cr. -181.38 -1.01 19523.65 5.06
4. Union Bank (I) ₹24.4 ₹19,348.67 Cr. 0.00 ₹340.95 Cr. 48.16 107.10 18555.77 4.23
5. Bank of India ₹40.2 ₹17,810.08 Cr. 0.00 ₹845.78 Cr. 448.85 -1.01 10286.76 3.59
6. I O B ₹14.85 ₹17,423.21 Cr. 0.00 ₹120.69 Cr. 135.28 -0.80 4301.84 1.53
7. Canara Bank ₹88.8 ₹15,625.14 Cr. 0.00 ₹406.24 Cr. 23.45 47.83 18035.81 4.92
8. UCO Bank ₹12.6 ₹13,538.53 Cr. 0.00 ₹21.46 Cr. 103.57 -4.03 3662.64 2.82

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State Bank of India Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Revenue54,85054,80355,94158,81358,79362,27762,98562,63864,31267,69262,68166,500
Interest36,26436,11535,96737,01537,88839,58640,03239,69939,71239,91339,91439,859
Expenses -33,74033,89344,68235,73328,46824,10735,20826,89131,56325,91533,87430,579
Employee Cost %14.04%15.50%16.54%16.51%16.49%17.94%16.64%17.43%17.57%16.92%19.21%17.84%
Financing Profit-15,154-15,206-24,708-13,935-7,562-1,416-12,254-3,952-6,9631,864-11,107-3,937
Financing Margin %-28%-28%-44%-24%-13%-2%-19%-6%-11%3%-18%-6%
Other Income16,0168,08412,4956,6799,3758,03512,6858,01512,0239,10616,0779,497
Depreciation000000000000
Profit before tax862-7,122-12,213-7,2551,8136,6194314,0635,06010,9704,9705,560
Tax %-84%66%37%33%48%40%-94%43%40%49%28%25%
Net Profit1,582-2,416-7,718-4,8769453,9558382,3123,0125,5833,5814,189
EPS in Rs1.83-2.80-8.92-5.461.064.430.942.593.376.264.014.69
Gross NPA %9.83%10.35%10.91%10.69%9.95%8.71%7.53%7.53%7.19%6.94%6.15%5.44%
Net NPA %5.43%5.61%5.73%5.29%4.84%3.95%3.01%3.07%2.79%2.65%2.23%1.86%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Revenue63,78870,99481,394106,521119,655136,351152,397163,998175,518220,499242,869257,324261,186
Interest42,91547,32248,86863,23075,32687,06997,382106,803113,658145,646154,520159,239159,399
Expenses -18,62123,77032,38838,10839,24350,28957,11869,54980,135132,033120,304114,940121,932
Manufacturing Cost %0.25%0.46%0.46%0.35%0.33%0.32%0.36%0.36%0.36%0.38%0.37%0.36%
Employee Cost %15.28%17.97%18.69%15.94%15.36%16.51%15.44%15.31%15.09%15.05%16.90%17.77%
Other Cost %13.66%15.05%20.64%19.49%17.11%20.06%21.68%26.73%30.20%44.46%32.26%26.54%
Financing Profit2,252-991395,1835,086-1,006-2,103-12,354-18,275-57,179-31,955-16,855-20,144
Financing Margin %4%-0%0%5%4%-1%-1%-8%-10%-26%-13%-7%-8%
Other Income12,69114,95815,80614,30716,00418,51422,53327,82935,42444,57136,77545,22146,703
Depreciation7639339901,0071,1401,3341,1161,7002,2932,9193,2123,3040
Profit before tax14,18113,92614,95418,48319,95116,17419,31413,77414,855-15,5281,60725,06326,559
Tax %36%34%45%37%29%33%32%28%29%58%46%42%
Net Profit9,1219,1668,26511,70714,10510,89113,1029,95110,484-6,54786214,48816,365
EPS in Rs13.9814.0712.6317.0120.0714.191.7012.3913.150.000.9716.2318.33
Dividend Payout %20%21%23%20%20%21%20%20%20%0%0%0%

Compounded Sales Growth

  • 10 Years:: 13.74%
  • 5 Years:: 11.05%
  • 3 Years:: 13.60%
  • TTM:: 5.87%

Compounded Profit Growth

  • 10 Years:: 1.69%
  • 5 Years:: -3.75%
  • 3 Years:: 1.06%
  • TTM:: 54.26%

Return on Equity

  • 10 Years:: -2.64%
  • 5 Years:: -1.79%
  • 3 Years:: -8.60%
  • 1 Year:: -22.53%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -635635635671684747747776797892892892
Equity Capital635635635671684747747776797892892892
Reserves57,31365,31464,35183,28098,200117,536127,692143,498187,489218,236220,021231,115
Borrowings826,131907,1281,053,5021,170,6531,371,9221,577,5391,781,9442,054,0672,362,4453,068,4853,314,4033,556,276
Other Liabilities -80,35380,337105,24880,91595,40596,413137,332158,804154,807167,135145,595163,104
Other liability items80,35380,337105,24880,91595,40596,413137,332158,804154,807167,135145,595163,104
Total Liabilities964,4321,053,4141,223,7361,335,5191,566,2111,792,2352,047,7142,357,1452,705,5383,454,7493,680,9123,951,388
Fixed Assets -3,5744,1184,4325,1346,5967,7169,0429,81942,34539,20138,50938,023
Gross Block10,40311,77413,18914,79217,37518,91921,17023,18657,81860,31661,90763,815
Accumulated Depreciation6,8317,6568,7589,65910,77911,20312,12913,36715,47321,11623,39825,792
CWIP263295332333409286287570574792689416
Investments275,954295,785295,601312,198350,878398,800481,759575,652765,9901,060,987967,0221,046,955
Other Assets -684,640753,216923,3711,017,8551,208,3291,385,4331,556,6261,771,1041,896,6302,353,7702,674,6922,865,994
Cash Equivalents104,40486,189122,87497,163114,820132,550154,756167,468171,972191,899222,490251,097
Loans n Advances38,34435,65644,73555,00350,38045,390105,626144,318154,008238,203277,410297,715
Other asset items541,892631,371755,762865,6891,043,1291,207,4931,296,2451,459,3191,570,6501,923,6692,174,7922,317,182
Total Assets964,4321,053,4141,223,7361,335,5191,566,2111,792,2352,047,7142,357,1452,705,5383,454,7493,680,9123,951,388

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity -31,538-11,80034,282-28,46921,65314,10727,62111,19711,060-85,42534,62825,688
Profit from operations24,79219,11227,61636,36935,15736,87443,84248,26554,93061,96564,09969,818
Loans Advances-115,782-94,559-112,417-122,148-189,405-178,436-108,106-190,658-139,625-136,598-305,526-182,189
Operating investments-82,881-15,9299,327-17,332-37,718-47,418-80,924-92,600-188,005-136,16494,719-74,335
Operating borrowings-1,27117,3187,8687,04441,96411,59622,058112,057-4,64142,63037,722-96,690
Deposits188,94862,043102,711109,235159,092191,669182,385153,929314,029121,023205,043330,235
Other WC items25,0127,1295,696-32,92912,56310,959-27,375-12,611-25,521-31,301-54,852-8,049
Working capital changes14,026-23,99813,186-56,129-13,505-11,630-11,962-29,883-43,762-140,410-22,893-31,028
Direct taxes-7,279-6,915-6,519-8,7090-11,137-4,259-7,185-108-6,980-6,578-13,102
Cash from Investing Activity -302-3,055346610-736-189-3,126-2,991-4,776101,061-2,948-433
Fixed assets purchased-1,138-1,518-1,245-1,710-2,702-2,333-2,490-2,738-2,961-4,105-2,663-3,268
Investment income41057382876700000000
Dividends received0000716497677476688449348212
Invest in subsidiaries-924-817-827-706-4-1,270-1,445-1,594-2,631-1,104-2,116-6,136
Shares acq cancelled00000001081,7555,6404736,216
Acquisition of companies1,95400000000000
Other investing items0-1,2941,5912,2591,2552,917132758-1,628100,1821,0102,544
Cash from Financing Activity -5,097-3,3602,0572,148-3,2603,811-2,2894,506-1,7804,291-1,0883,352
Proceeds from shares562007,8913,00010,00605,3845,67523,78200
Proceeds from borrowings00000000003,0338,133
Interest paid fin-1,900-2,539-3,020-3,592-3,615-3,686-3,823-3,723-4,195-4,472-4,112-4,781
Dividends paid-1,532-2,821-1,420-2,151-2,645-4,508-1,236-3,059-2,337000
Share application money0000002,97000000
Other financing items7,9682,0006,497002,000-2005,903-922-15,019-90
Net Cash Flow36,937-18,21536,685-25,71117,65717,72922,20612,7124,50419,92730,59128,607

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Ratios

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %17%15%13%16%15%10%11%7%6%-3%0%5%

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