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Fincash » Search » State Bank of India

State Bank of India

Updated on July 5, 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₹143,954 Cr.
Current Price ₹195.6 as on 10 Jul 20
52 Week High / Low Price₹373.8 / ₹149.45
Face Value₹1
Stock P/E14.88
Book Value₹247.53
Dividend Yield0.00 %
ROCE4.58 %
ROE0.39 %
Sales Growth (3yrs)13.98 %
SectorBanks
IndustryBanks - Public Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.65 times its book value
Cons: Company has low interest coverage ratio. Company has a low return on equity of 0.82% for last 3 years. Contingent liabilities of Rs.1186104.00 Cr. Company might be capitalizing the interest cost Dividend payout has been low at 6.59% of profits over last 3 years Promoter holding has decreased over last 3 years: -4.59%

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 ₹290.25 14.88 ₹143,953.98 Cr. 0.00 ₹5,583.36 Cr. 41.18 8.70 67691.99 4.58
2. Punjab Natl.Bank ₹35.05 ₹25,164.19 Cr. 0.00 -₹384.96 Cr. -187.90 4.38 13834.95 2.52
3. Bank of Baroda ₹51.6 ₹17,997.11 Cr. 0.00 -₹1,219.04 Cr. -284.47 45.83 19990.52 4.53
4. Union Bank (I) ₹32.05 ₹15,139.91 Cr. 0.00 ₹554.36 Cr. 202.98 13.13 9687.88 4.12
5. Canara Bank ₹104.6 16.64 ₹12,180.34 Cr. 0.00 ₹397.65 Cr. 3.40 -0.16 12493.62 4.73
6. I O B ₹14.85 ₹11,999 Cr. 0.00 -₹6,075.49 Cr. -1655.82 -4.19 4351.90 2.64
7. UCO Bank ₹13.95 ₹10,860.58 Cr. 0.00 -₹960.17 Cr. 3.86 12.99 3770.74 2.69
8. Bank of India ₹49.3 13.44 ₹10,305.92 Cr. 0.00 ₹138.2 Cr. 102.97 6.53 10898.19 2.99

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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

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Revenue47,39354,90554,85054,80355,94158,81358,79362,27762,98562,63864,31267,692
Interest29,32237,29936,26436,11535,96737,01537,88839,58640,03239,69939,71239,913
Expenses -24,11222,66733,74033,89344,68235,73328,46824,10735,20826,89131,56325,915
Employee Cost %13.17%14.07%14.04%15.50%16.54%16.51%16.49%17.94%16.64%17.43%17.57%16.92%
Financing Profit-6,041-5,061-15,154-15,206-24,708-13,935-7,562-1,416-12,254-3,952-6,9631,864
Financing Margin %-13%-9%-28%-28%-44%-24%-13%-2%-19%-6%-11%3%
Other Income10,3288,00616,0168,08412,4956,6799,3758,03512,6858,01512,0239,106
Depreciation000000000000
Profit before tax4,2862,945862-7,122-12,213-7,2551,8136,6194314,0635,06010,970
Tax %34%32%-84%66%37%33%48%40%-94%43%40%49%
Net Profit2,8152,0061,582-2,416-7,718-4,8769453,9558382,3123,0125,583
EPS in Rs3.552.441.83-2.80-8.92-5.461.064.430.942.593.376.26
Gross NPA %6.90%9.97%9.83%10.35%10.91%10.69%9.95%8.71%7.53%7.53%7.19%6.94%
Net NPA %3.71%5.97%5.43%5.61%5.73%5.29%4.84%3.95%3.01%3.07%2.79%2.65%
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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue48,95063,78870,99481,394106,521119,655136,351152,397163,998175,518220,499242,869257,628
Interest31,92942,91547,32248,86863,23075,32687,06997,382106,803113,658145,646154,520159,356
Expenses -15,30118,62123,77032,38838,10839,24350,28957,11869,54980,135132,033120,269119,577
Manufacturing Cost %0.48%0.25%0.46%0.46%0.35%0.33%0.32%0.36%0.36%0.36%0.38%0.37%
Employee Cost %15.91%15.28%17.97%18.69%15.94%15.36%16.51%15.44%15.31%15.09%15.05%16.90%
Other Cost %14.87%13.66%15.05%20.64%19.49%17.11%20.06%21.68%26.73%30.20%44.46%32.24%
Financing Profit1,7202,252-991395,1835,086-1,006-2,103-12,354-18,275-57,179-31,920-21,305
Financing Margin %4%4%-0%0%5%4%-1%-1%-8%-10%-26%-13%-8%
Other Income9,39812,69114,95815,80614,30716,00418,51422,53327,82935,42444,57136,74041,829
Depreciation6807639339901,0071,1401,3341,1161,7002,2932,9193,2120
Profit before tax10,43914,18113,92614,95418,48319,95116,17419,31413,77414,855-15,5281,60720,524
Tax %36%36%34%45%37%29%33%32%28%29%58%46%
Net Profit6,7299,1219,1668,26511,70714,10510,89113,1029,95110,484-6,54786211,746
EPS in Rs10.3913.9814.0712.6317.0120.0714.191.7012.3913.150.000.9713.16
Dividend Payout %20%20%21%23%20%20%21%20%20%20%-0%0%

Compounded Sales Growth

  • 10 Years:: 14.30%
  • 5 Years:: 12.24%
  • 3 Years:: 13.98%
  • TTM:: 9.25%

Compounded Profit Growth

  • 10 Years:: -20.98%
  • 5 Years:: -39.76%
  • 3 Years:: -55.71%
  • TTM:: 213.68%

Return on Equity

  • 10 Years:: -3.66%
  • 5 Years:: -8.92%
  • 3 Years:: -17.48%
  • 1 Year:: -54.24%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Share Capital -631635635635671684747747776797892892
Equity Capital631635635635671684747747776797892892
Reserves48,40157,31365,31464,35183,28098,200117,536127,692143,498187,489218,236220,021
Borrowings589,131826,131907,1281,053,5021,170,6531,371,9221,577,5391,781,9442,054,0672,362,4453,068,4853,314,403
Other Liabilities +83,36280,35380,337105,24880,91595,40596,413137,332158,804154,807167,135145,595
Total Liabilities721,526964,4321,053,4141,223,7361,335,5191,566,2111,792,2352,047,7142,357,1452,705,5383,454,7493,680,912
Fixed Assets -3,1393,5744,1184,4325,1346,5967,7169,0429,81942,34539,20138,509
Gross Block8,98810,40311,77413,18914,79217,37518,91921,17023,18657,81860,31661,907
Accumulated Depreciation5,8446,8317,6568,7589,65910,77911,20312,12913,36715,47321,11623,398
CWIP234263295332333409286287570574792689
Investments189,501275,954295,785295,601312,198350,878398,800481,759575,652765,9901,060,987967,022
Other Assets -528,652684,640753,216923,3711,017,8551,208,3291,385,4331,556,6261,771,1041,896,6302,353,7702,674,692
Cash Equivalents67,466104,40486,189122,87497,163114,820132,550154,756167,468171,972191,899222,490
Loans n Advances45,01638,34435,65644,73555,00350,38045,390105,626144,318154,008238,203277,410
Other asset items416,169541,892631,371755,762865,6891,043,1291,207,4931,296,2451,459,3191,570,6501,923,6692,174,792
Total Assets721,526964,4321,053,4141,223,7361,335,5191,566,2111,792,2352,047,7142,357,1452,705,5383,454,7493,680,912

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity --1,07531,538-11,80034,282-28,46921,65314,10727,62111,19711,060-85,42534,628
Profit from operations14,34424,79219,11227,61636,36935,15736,87443,84248,26554,93061,96564,099
Loans Advances-81,433-115,782-94,559-112,417-122,148-189,405-178,436-108,106-190,658-139,625-136,598-305,526
Operating investments-37,464-82,881-15,9299,327-17,332-37,718-47,418-80,924-92,600-188,005-136,16494,719
Operating borrowings12,024-1,27117,3187,8687,04441,96411,59622,058112,057-4,64142,63037,722
Deposits101,883188,94862,043102,711109,235159,092191,669182,385153,929314,029121,023205,043
Direct taxes-4,236-7,279-6,915-6,519-8,7090-11,137-4,259-7,185-108-6,980-6,578
Other operating items-5,97625,0127,1295,696-32,92912,56310,959-27,375-12,611-25,521-31,301-54,852
Exceptional CF items-21900000000000
Cash from Investing Activity --2,798302-3,055346610-736-189-3,126-2,991-4,776101,061-2,948
Fixed assets purchased-1,224-1,138-1,518-1,245-1,710-2,702-2,333-2,490-2,738-2,961-4,105-2,663
Investment income1974105738287670000000
Dividends received00000716497677476688449348
Invest in subsidiaries-1,772-924-817-827-706-4-1,270-1,445-1,594-2,631-1,104-2,116
Shares acq cancelled000000001081,7555,640473
Acquisition of companies01,9540000000000
Other investing items00-1,2941,5912,2591,2552,917132758-1,628100,1821,010
Cash from Financing Activity -19,3715,097-3,3602,0572,148-3,2603,811-2,2894,506-1,7804,291-1,088
Proceeds from shares16,694562007,8913,00010,00605,3845,67523,7820
Interest paid fin-1,711-1,900-2,539-3,020-3,592-3,615-3,686-3,823-3,723-4,195-4,472-4,112
Dividends paid-862-1,532-2,821-1,420-2,151-2,645-4,508-1,236-3,059-2,33700
Share application money00000002,9700000
Other financing items5,2517,9682,0006,497002,000-2005,903-922-15,0193,024
Net Cash Flow15,49836,937-18,21536,685-25,71117,65717,72922,20612,7124,50419,92730,591

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %17%17%15%13%16%15%10%11%7%6%-3%0%

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