SBI's 5 Years Financial Summary

Balance Sheet

Parameters
SOURCES OF
FUNDS
Share warrants
&Outstandings
Share Capital
Total Reserve
Deposits
Borrowings
Shareholder's
Funds
Other Liabilities
& Provisions
TOTAL
LIABILITIES
APPLICATION
OF FUNDS:
Cash and balance
with Reserve
Bank of India
Balances with
banks and money
at call and short
notice
Investments
Advances
Gross Block
Less :
Accumulated
Depreciation
Less :
Impairment of
Assets
Net Block
Lease
Adjustment
Capital Work in
Progress
Other Assets
TOTAL ASSETS
Contingent
Liability
Bills for
collection

MAR'14

MAR'13

MAR'12

MAR'11

MAR'10

( Cr.)

( Cr.)

( Cr.)

( Cr.)

( Cr.)

0.00

0.00

0.00

0.00

0.00

746.57
1,17,535.68
13,94,408.50
1,83,130.88
1,18,282.25

684.03
98,199.65
12,02,739.57
1,69,182.71
98,883.69

671.04
83,280.16
10,43,647.36
1,27,005.57
83,951.21

635.00
64,351.04
9,33,932.81
1,19,568.96
64,986.04

634.88
65,314.32
8,04,116.23
1,03,011.60
65,949.20

96,412.96

95,405.30

80,915.09

1,05,248.39

80,336.70

17,92,234.60

15,66,211.27

13,35,519.23

12,23,736.20

10,53,413.73

84,955.66

65,830.41

54,075.94

94,395.50

61,290.87

47,593.97

48,989.75

43,087.23

28,478.65

24,897.85

3,98,308.19
12,09,828.72
19,280.16
11,563.70

3,50,877.51
10,45,616.55
17,374.54
10,779.03

3,12,197.61
8,67,578.89
14,792.33
9,658.67

2,95,600.57
7,56,719.45
13,189.28
8,757.53

2,95,785.20
6,31,914.15
11,773.98
7,656.46

0.00

0.00

0.00

0.00

0.00

7,716.46
0.00

6,595.51
0.20

5,133.66
0.20

4,431.76
0.20

4,117.52
0.20

285.70

409.31

332.68

332.23

295.18

43,545.90
17,92,234.60
10,17,329.95

47,892.03
15,66,211.27
9,26,374.07

53,113.02
13,35,519.23
8,32,605.33

43,777.85
12,23,736.20
7,30,484.60

35,112.76
10,53,413.73
5,48,446.89

74,028.42

66,639.54

66,959.85

59,904.98

47,922.33

Profit & Loss

Parameters

MAR'14

MAR'13

MAR'12

MAR'11

MAR'10

(Cr.)

(Cr.)

( Cr.)

( Cr.)

( Cr.)

Interest Earned

1,36,350.8
1

1,19,655.1
0

1,06,521.4
5

81,394.4
0

70,993.9
0

Other Income

18,552.92

16,036.84

14,351.45

15,824.6
0

14,968.2
0

Total Income

1,54,903.
72

1,35,691.
94

1,20,872.
90

97,219.
00

85,962.
10

Interest Expended

87,068.63

75,325.80

63,230.37

48,868.0
0

47,322.5
0

Operating Expenses

35,725.85

29,284.42

26,068.99

23,015.4
0

20,318.7
0

PBIDT

32,109.2
3

31,081.7
2

31,573.5
4

25,335.
60

18,320.
90

Provisions and
Contingencies

15,935.36

11,130.83

13,090.23

10,381.3
4

4,394.83

Profit Before Tax

16,173.88

19,950.89

18,483.31

14,954.2
6

13,926.0
7

Taxes

5,282.71

5,845.91

6,776.02

6,689.71

4,760.03

Total

1,44,012.5
4

1,21,586.9
6

1,09,165.6
1

88,954.4
0

76,796.0
0

PAT

10,891.1
7

14,104.9
9

11,707.2
9

8,264.5
2

9,166.0
5

Extraordinary Items

0.00

0.00

0.00

0.00

0.00

Profit brought forward

0.34

0.34

0.34

0.34

0.34

Adjusted Net Profit

0.00

0.00

5.71

0.00

0.00

Total Profit & Loss

10,891.17

14,104.99

11,713.00

8,264.52

9,166.05

Appropriations

10,891.51

14,105.32

11,713.34

8,264.86

9,166.39

Equity Dividend (%)

0.00

0.00

0.00

0.00

0.00

Earnings Per Share (in )

0.00

0.00

0.00

0.00

0.00

Book Value (in )

0.00

0.00

0.00

0.00

0.00

I. INCOME

II. EXPENDITURE

III. Profit & Loss

Cash Flow

Parameters

MAR'14

MAR'13

MAR'12

MAR'11

MAR'10

( Cr.)

(Cr.)

( Cr.)

( Cr.)

( Cr.)

Net Profit Before Taxes

16,173.8
9

19,950.9
0

18,483.3
1

14,954.2
0

13,926.1
0

Adjustments for Expenses &

Provisions

20,700.2
3

15,206.3
2

17,886.1
5

12,661.5
0

5,186.33

Adjustments for Liabilities &

Assets

11,629.7
1

11,477.2
3

56,129.2
9

13,185.9
0

23,997.7
0

Cash Flow from operating

activities

14,107.4
2

21,652.6
7

28,468.5
9

34,282.3
0

11,800.1
0

Cash Flow from investing

activities

3,105.67

1,990.85

1,648.56

1,245.28

-1,761.52

Cash Flow from financing

activities

3,811.17

3,259.72

2,147.66

2,057.11

-3,359.67

Effect of exchange
fluctuation on translation
reserve

2,916.55

1,254.90

2,217.10

-54.76

-1,293.77

Net increase/(decrease) in
cash and cash equivalents

14,812.9
2

16,402.1
0

27,969.4
9

35,094.1
0

16,921.3
0

Opening Cash & Cash

Equivalents

1,14,820.
16

97,163.1
7

1,22,874.
15

86,188.7
0

1,04,404.
00

Cash & Cash Equivalent on

Amalgamation / Take over /
Merger

0.00

0.00

41.41

1,646.10

0.00

Cash & Cash Equivalent of

Subsidiaries under
liquidations

0.00

0.00

0.00

0.00

0.00

Translation adjustment on
reserves / op cash
balalcesfrgn subsidiaries

0.00

0.00

0.00

0.00

0.00

Effect of Foreign Exchange

Fluctuations

0.00

0.00

0.00

0.00

0.00

Closing Cash & Cash

Equivalent

1,32,549.
63

1,14,820.
16

97,163.1
7

1,22,874.
00

86,188.7
0

Ratios
Parameters

MAR'14

MAR'13

MAR'12

MAR'11

MAR'10

( Cr.)

( Cr.)

( Cr.)

( Cr.)

( Cr.)

Operational & Financial Ratios:

Earnings Per Share (Rs)

145.88

206.20

174.46

130.15

144.37

DPS(Rs)

30.00

41.50

35.00

30.00

30.00

Book NAV/Share(Rs)

1,584.34

1,445.60

1,251.05

1,023.40

1,038.76

Yield on Advances

11.27

11.44

12.28

10.76

11.23

Yield on Investments

8.59

8.07

7.38

7.02

6.71

Cost of Liabilities

5.52

5.49

5.40

4.64

5.22

NIM

2.83

2.93

3.39

2.77

2.33

Interest Spread

5.75

5.95

6.88

6.12

6.02

ROA(%)

0.65

0.97

0.91

0.73

0.91

ROE(%)

10.03

15.43

15.72

12.62

14.80

ROCE(%)

8.91

11.61

13.18

11.65

11.52

Cost Income Ratio

52.67

48.51

45.23

47.60

52.59

Core Cost Income Ratio

54.33

49.41

44.51

48.53

55.63

Operating Costs to Assets

1.99

1.87

1.95

1.88

1.93

Tier 1 ratio

0.00

0.00

0.00

0.00

0.00

Tier 2 ratio

0.00

0.00

0.00

0.00

0.00

CAR

0.00

0.00

0.00

0.00

0.00

PER(x)

13.15

10.05

12.01

21.27

14.40

PCE(x)

11.71

9.30

11.06

18.99

13.07

Price / Book(x)

1.21

1.43

1.67

2.70

2.00

Yield(%)

1.56

2.00

1.67

1.08

1.44

EV / Net Sales(x)

2.39

2.60

2.51

3.63

3.31

EV / Core EBITDA(x)

10.16

10.00

8.48

11.66

12.83

EV / EBIT(x)

3.16

3.26

3.27

4.63

3.84

Margin Ratios:

Performance Ratios:

Efficiency Ratios:

Capitalisation Ratios:

Valuation Parameters:

EV / CE(x)

0.18

0.20

0.20

0.24

0.22

M Cap / Sales

1.05

1.18

1.32

2.16

1.86

11.17

2.40

33.10

37.41

13.41

Operating Profit Growth

-28.03

-23.75

24.62

62.16

17.96

Net Profit Growth

-22.78

20.48

41.66

-9.84

0.49

BVPS Growth

9.60

15.55

22.24

-1.48

13.81

Advances Growth

15.70

20.52

14.65

19.75

16.48

EPS Growth(%)

-29.25

18.19

34.05

-9.85

0.49

Loans / Deposits(x)

0.13

0.14

0.12

0.13

0.13

Total Debt / Equity(x)

0.06

0.05

0.05

0.10

0.08

Current Ratio(x)

0.29

0.29

0.30

0.32

0.37

Quick Ratio(x)

13.13

14.07

12.17

12.80

12.81

Total Debt / Mcap(x)

0.00

0.00

0.00

0.00

0.00

Net NPA in Rs. Million

0.00

0.00

0.00

0.00

0.00

Growth Ratio:
Core Operating Income
Growth

Liquidity Ratios:

Quarterly
Parameters

MAR'14

DEC'13

SEP'13

JUN'13

MAR'13

( Cr.)

( Cr.)

( Cr.)

( Cr.)

( Cr.)

Sales Turnover

3,58,576.0
0

3,48,705.0
0

3,39,221.0
0

3,17,183.0
0

3,07,842.0
0

Other Income

65,856.50

41,903.00

32,778.00

44,742.90

55,466.80

Total Income

4,24,433.0
0

3,90,608.0
0

3,71,999.0
0

3,61,926.0
0

3,63,309.0
0

Total Expenses

88,606.40

92,123.50

92,175.40

84,349.00

88,644.60

Operating profit

1,06,278.0
0

76,184.70

63,116.80

75,512.70

77,606.40

Gross Profit

47,367.00

34,688.60

32,829.40

46,853.90

35,796.50

Interest

2,29,548.0
0

2,22,299.0
0

2,16,707.0
0

2,02,064.0
0

1,97,058.0
0

PBDT

1,82,181.0
0

1,87,610.4
0

1,83,877.6
0

1,55,210.1
0

1,61,261.5
0

Depreciation

0.00

0.00

0.00

0.00

0.00

PBT

47,367.00

34,688.60

32,829.40

46,853.90

35,796.50

Tax

16,959.60

12,345.20

9,079.30

14,443.10

2,804.30

Net Profit

30,407.40

22,343.40

23,750.10

32,410.80

32,992.20

Earnings Per
Share

40.73

32.66

34.72

47.38

49.13

Equity

7,465.70

6,840.30

6,840.30

6,840.30

6,840.30

Preference
Capital

0.00

0.00

0.00

0.00

0.00

Reserves

0.00

0.00

0.00

0.00

0.00

Face Value

10.00

10.00

10.00

10.00

10.00

Half-Yearly
Parameters

SEP'13

MAR'13

SEP'12

MAR'12

SEP'11

( Cr.)

( Cr.)

( Cr.)

( Cr.)

( Cr.)

Sales Turnover

6,56,404.0
0

6,11,278.0
0

5,85,235.0
0

5,63,569.0
0

5,01,645.0
0

Other Income

77,520.90

91,951.70

68,454.30

73,899.90

69,614.60

Total Income

7,33,925.0
0

7,03,230.0
0

6,53,690.0
0

6,37,469.0
0

5,71,260.0
0

Total Expenses

1,76,524.0
0

1,58,766.0
0

1,34,078.0
0

1,37,028.0
0

1,23,662.0
0

Operating profit

1,38,630.0
0

1,55,514.0
0

1,55,303.0
0

1,68,568.0
0

1,47,168.0
0

Gross Profit

79,683.30

87,025.00

0.00

64,563.80

0.00

Interest

4,18,772.0
0

3,88,949.0
0

3,64,309.0
0

3,31,873.0
0

3,00,431.0
0

PBDT

3,39,088.7
0

3,01,924.0
0

3,64,309.0
0

2,67,309.2
0

3,00,431.0
0

Depreciation

0.00

0.00

0.00

0.00

0.00

PBT

79,683.30

87,025.00

1,12,484.0
0

1,13,090.0
0

71,743.50

Tax

23,522.40

20,072.20

38,386.90

39,956.50

27,803.70

Net Profit

56,160.90

66,952.80

74,097.00

73,133.10

43,939.80

Earnings Per
Share

82.10

0.00

110.42

108.99

69.20

Equity

6,840.30

6,840.30

6,710.40

6,710.40

6,350.00

Preference
Capital

0.00

0.00

0.00

0.00

0.00

Reserves

0.00

0.00

0.00

0.00

0.00

Face Value

10.00

10.00

10.00

10.00

10.00

MAR'14

Yearly
MAR'13

MAR'12

MAR'11

N/A

( Cr.)

( Cr.)

( Cr.)

( Cr.)

( Cr.)

Sales Turnover

13,63,510.00

11,96,570.00

10,65,210.00

8,13,944.00

0.00

Other Income

1,85,529.00

1,60,348.00

1,43,514.00

1,58,246.00

0.00

Total Income

15,49,040.00

13,56,920.00

12,08,730.00

9,72,190.00

0.00

Total Expenses

3,57,258.00

2,92,844.00

2,60,690.00

2,30,154.00

0.00

Operating profit

3,21,092.00

3,10,817.00

3,15,735.00

2,53,356.00

0.00

Gross Profit

1,61,739.00

1,99,509.00

1,84,833.00

0.00

0.00

Interest

8,70,686.00

7,53,258.00

6,32,304.00

4,88,680.00

0.00

PBDT

-7,08,947.00

-5,53,749.00

-4,47,471.00

-4,88,680.00

0.00

Depreciation

0.00

0.00

0.00

0.00

0.00

PBT

1,61,739.00

1,99,509.00

1,84,833.00

1,49,542.00

0.00

Tax

52,827.20

58,459.10

67,760.20

66,897.10

0.00

Net Profit

1,08,912.00

1,41,050.00

1,17,073.00

82,645.20

0.00

Earnings Per Share

145.88

210.06

184.31

130.16

0.00

Equity

7,465.70

6,840.30

6,710.40

6,350.00

0.00

Preference Capital

0.00

0.00

0.00

0.00

0.00

Reserves

11,75,360.00

9,81,996.00

8,32,802.00

6,43,510.00

0.00

Face Value

10.00

10.00

10.00

10.00

0.00

Parameters