Shares of State Bank of India were trading at Rs 818.60 in Monday's session, a 1.78% increase from the previous close, as of 9:30 am. The stock is trading positively in early trade on Nifty 50.
Financial Snapshot: Annual Income Statement
The following table summarizes the annual income statement (Consolidated) of State Bank of India:
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
|---|---|---|---|---|---|
| Interest Earned | Rs 490,937 Crore | Rs 439,188 Crore | Rs 350,844 Crore | Rs 289,972 Crore | Rs 278,115 Crore |
| Other Income | Rs 172,405 Crore | Rs 155,386 Crore | Rs 122,533 Crore | Rs 117,000 Crore | Rs 107,222 Crore |
| Total Income | Rs 663,343 Crore | Rs 594,574 Crore | Rs 473,378 Crore | Rs 406,973 Crore | Rs 385,337 Crore |
| Total Expenditure | Rs 537,482 Crore | Rs 495,543 Crore | Rs 379,744 Crore | Rs 330,519 Crore | Rs 306,402 Crore |
| Operating Profit | Rs 125,861 Crore | Rs 99,030 Crore | Rs 93,633 Crore | Rs 76,453 Crore | Rs 78,935 Crore |
| Provisions & Contigencies | Rs 19,451 Crore | Rs 7,714 Crore | Rs 18,184 Crore | Rs 40,059 Crore | Rs 54,618 Crore |
| PBT | Rs 106,410 Crore | Rs 91,316 Crore | Rs 75,449 Crore | Rs 36,394 Crore | Rs 24,317 Crore |
| Tax | Rs 27,358 Crore | Rs 23,091 Crore | Rs 18,839 Crore | Rs 0 Crore | Rs 0 Crore |
| Net Profit | Rs 79,052 Crore | Rs 68,224 Crore | Rs 56,609 Crore | Rs 36,395 Crore | Rs 24,317 Crore |
The following table summarizes the quarterly income statement (Consolidated) of State Bank of India:
| Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | |
|---|---|---|---|---|---|
| Interest Earned | Rs 125,728 Crore | Rs 126,997 Crore | Rs 124,653 Crore | Rs 121,044 Crore | Rs 118,242 Crore |
| Other Income | Rs 41,263 Crore | Rs 52,565 Crore | Rs 43,199 Crore | Rs 42,757 Crore | Rs 33,882 Crore |
| Total Income | Rs 166,991 Crore | Rs 179,562 Crore | Rs 167,853 Crore | Rs 163,802 Crore | Rs 152,125 Crore |
| Total Expenditure | Rs 132,499 Crore | Rs 145,195 Crore | Rs 140,288 Crore | Rs 130,742 Crore | Rs 121,289 Crore |
| Operating Profit (incl. Excep Items) | Rs 34,492 Crore | Rs 34,366 Crore | Rs 27,564 Crore | Rs 33,060 Crore | Rs 30,835 Crore |
| Provisions & Contigencies | Rs 5,263 Crore | Rs 7,469 Crore | Rs 1,998 Crore | Rs 5,585 Crore | Rs 4,407 Crore |
| PBT | Rs 29,229 Crore | Rs 26,896 Crore | Rs 25,566 Crore | Rs 27,474 Crore | Rs 26,427 Crore |
| Tax | Rs 7,602 Crore | Rs 6,955 Crore | Rs 6,391 Crore | Rs 7,254 Crore | Rs 6,746 Crore |
| Net Profit | Rs 21,626 Crore | Rs 19,941 Crore | Rs 19,175 Crore | Rs 20,219 Crore | Rs 19,680 Crore |
The following table presents the key figures from the consolidated balance sheet:
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
|---|---|---|---|---|---|
| Share Capital | Rs 892 Crore | Rs 892 Crore | Rs 892 Crore | Rs 892 Crore | Rs 892 Crore |
| Reserves & Surplus | Rs 486,144 Crore | Rs 414,046 Crore | Rs 358,038 Crore | Rs 304,695 Crore | Rs 274,669 Crore |
| Deposits | Rs 5,439,898 Crore | Rs 4,966,537 Crore | Rs 4,468,535 Crore | Rs 4,087,410 Crore | Rs 3,715,331 Crore |
| Borrowings | Rs 610,857 Crore | Rs 639,609 Crore | Rs 521,151 Crore | Rs 449,159 Crore | Rs 433,796 Crore |
| Liabilities & Provisions | Rs 758,367 Crore | Rs 697,074 Crore | Rs 592,962 Crore | Rs 507,517 Crore | Rs 411,303 Crore |
| Total Liabilities | Rs 7,314,185 Crore | Rs 6,733,778 Crore | Rs 5,954,418 Crore | Rs 5,360,883 Crore | Rs 4,845,618 Crore |
| Fixed Assets | Rs 46,337 Crore | Rs 44,708 Crore | Rs 44,407 Crore | Rs 39,510 Crore | Rs 40,166 Crore |
| Loans & Advances | Rs 4,250,830 Crore | Rs 3,784,272 Crore | Rs 3,267,902 Crore | Rs 2,794,076 Crore | Rs 2,500,598 Crore |
| Investments | Rs 2,205,601 Crore | Rs 2,110,548 Crore | Rs 1,913,107 Crore | Rs 1,776,489 Crore | Rs 1,595,100 Crore |
| Other Assets | Rs 811,415 Crore | Rs 794,249 Crore | Rs 729,000 Crore | Rs 750,807 Crore | Rs 709,752 Crore |
| Total Assets | Rs 7,314,185 Crore | Rs 6,733,778 Crore | Rs 5,954,418 Crore | Rs 5,360,883 Crore | Rs 4,845,618 Crore |
| Capital Adequacy Ratios (%) | 14 | 14 | 14 | 13 | 13 |
| Gross NPA (%) | 1.82 | 2.24 | 2.78 | 3.97 | 5.00 |
| Net NPA (%) | 0.47 | 0.57 | 0.67 | 1.02 | 1.50 |
| Contingent Liabilities | Rs 2,678,111 Crore | Rs 2,397,594 Crore | Rs 1,835,524 Crore | Rs 2,007,232 Crore | Rs 1,714,239 Crore |
Key financial ratios for State Bank of India are as follows:
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Basic EPS (Rs.) | 86.91 | 75.17 | 62.35 | 39.64 | 25.11 | ||||||
| Diluted Eps (Rs.) | 86.91 | 75.17 | 62.35 | 39.64 | 25.11 | ||||||
| Book Value [Excl. Reval Reserve]/Share (Rs.) | 515.07 | 434.06 | 371.08 | 316.22 | 282.35 | ||||||
| Dividend/Share (Rs.) | 15.90 | 13.70 | 11.30 | 7.10 | 4.00 | ||||||
| Face Value | 1 | 1 | 1 | 1 | 1 | Net Interest Margin (%) | 2.59 | 2.66 | 2.70 | 2.49 | 2.51 |
| Operating Profit Margin (%) | 21.80 | 20.34 | 19.95 | 14.49 | 10.58 | ||||||
| Net Profit Margin (%) | 16.09 | 15.51 | 16.12 | 12.53 | 8.73 | ||||||
| Return on Networth / Equity (%) | 16.87 | 17.31 | 16.80 | 12.53 | 8.89 | ||||||
| ROCE (%) | 1.91 | 1.63 | 1.74 | 1.57 | 1.77 | ||||||
| Return On Assets (%) | 1.06 | 0.99 | 0.93 | 0.65 | 0.46 | ||||||
| P/E (x) | 8.88 | 10.01 | 8.40 | 12.45 | 14.51 | ||||||
| P/B (x) | 1.50 | 1.73 | 1.41 | 1.56 | 1.29 | ||||||
| CASA (%) | 38.76 | 39.92 | 42.66 | 44.51 | 45.40 | ||||||
| Capital Adequacy Ratios (%) | 14.25 | 14.28 | 14.68 | 13.85 | 13.74 |
State Bank of India announced a final dividend of Rs 15.90 per share (1590%) on May 5, 2025, with the effective date being May 16, 2025. Earlier dividends include Rs 13.70 per share in 2024, Rs 11.30 per share in 2023, Rs 7.10 per share in 2022 and Rs 4.00 per share in 2021.
The company had a stock split on November 20, 2014, where the face value changed from Rs 10 to Rs 1.
State Bank of India had its last audio recording of Analyst / Investors'' Interaction, was announced on August 8, 2025.
With the stock currently trading at Rs 818.60, State Bank of India has shown a positive trend in today's early trade on Nifty 50.
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