General information about company |
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|---|---|
| Scrip code | 500112 |
| NSE Symbol | SBIN |
| MSEI Symbol | 0 |
| ISIN | INE062A01020 |
| Name of bank | STATE BANK OF INDIA |
| Class of security | Equity |
| Date of start of financial year | 01-Apr-2024 |
| Date of end of financial year | 31-Mar-2025 |
| Date of board meeting when results were approved | 03-May-2025 |
| Date on which prior intimation of the meeting for considering financial results was informed to the exchange | 24-Apr-2025 |
| Description of presentation currency | INR (in Actuals) |
| Reporting Type | Quarterly |
| Reporting Quarter | Fourth quarter |
| Nature of report standalone or consolidated | Consolidated |
| Whether results are audited or unaudited | Audited |
| Whether results are audited or unaudited for the Year to date for current period ended/year ended | Audited |
| Segment Reporting | Multi segment |
| Description of single segment | |
| Start date and time of board meeting | 03-May-2025 10:00:00 |
| End date and time of board meeting | 03-May-2025 14:00:00 |
| Whether cash flow statement is applicable on company | Yes |
| Type of cash flow statement | Cash Flow Indirect |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
Financial Results - Banking |
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|---|---|---|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Jan-2025 | 01-Apr-2024 |
| B | Date of end of reporting period | 31-Mar-2025 | 31-Mar-2025 |
| C | Whether results are audited or unaudited | Audited | Audited |
| D | Nature of report standalone or consolidated | Consolidated | Consolidated |
| 1 | Interest earned | ||
| Interest or discount on advances or bills | 883525700000 | 3409767000000 | |
| Income on investments | 336200800000 | 1311438300000 | |
| Interest on balances with reserve bank of India and other inter bank funds | 16186400000 | 62376000000 | |
| Others | 34057100000 | 125796600000 | |
| Total interest earned | 1269970000000 | 4909377900000 | |
| 2 | Other income | 525653200000 | 1724055300000 |
| 3 | Total income | 1795623200000 | 6633433200000 |
| Expenses | |||
| 4 | Interest expenses | 782270500000 | 3009433300000 |
| 5 | Operating expenses | ||
| (i) | Employees cost | 195873500000 | 703957000000 |
| (ii) | Details of other operating expenses | ||
| Description of other operating expenses | |||
| 1 | Operating Expenses relating to Insurance Business | 284238400000 | 1036542900000 |
| 2 | Other operating expesnes | 189577400000 | 625235300000 |
| Total other operating Expenses | 473815800000 | 1661778200000 | |
| Total Operating Expenses | 669689300000 | 2365735200000 | |
| 6 | Total expenditure excluding provisions and contingencies | 1451959800000 | 5375168500000 |
| 7 | Operating profit before provision and contingencies | 343663400000 | 1258264700000 |
| 8 | Provisions other than tax and contingencies | 74695200000 | 194611700000 |
| 9 | Exceptional items | 0 | 0 |
| 10 | Total profit (loss) from ordinary activities before tax | 268968200000 | 1063653000000 |
| 11 | Provision for Tax | 69554300000 | 273481400000 |
| 12 | Net profit (loss) from ordinary activities after tax | 199413900000 | 790171600000 |
| 13 | Extraordinary items net of tax expenses | 0 | 0 |
| 14 | Net profit (loss) for the period | 199413900000 | 790171600000 |
| 15 | Share of profit (loss) of associates | 4380700000 | 15054700000 |
| 16 | Profit (loss) of minority interest | 7790000000 | 29612900000 |
| 17 | Net Profit (loss) after taxes minority interest and share of profit (loss) of associates | 196004600000 | 775613400000 |
| 18 | Details of equity share capital [Abstract] | ||
| Paid-up equity share capital | 8924600000 | 8924600000 | |
| Face value of equity share capital | 1 | 1 | |
| 19 | Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) | 4587886800000 | |
| 20 | Analytical ratios | ||
| (i) | Percentage of share held by government of India | 56.92 | 56.92 |
| (ii) | Capital adequacy ratio | ||
| CET 1 ratio | 0 | 0 | |
| Additional Tier 1 ratio | 0 | 0 | |
| (iii) (a) | Earnings per share before extraordinary items | ||
| Basic earnings per share before extraordinary items | 21.96 | 86.91 | |
| Diluted earnings per share before extraordinary items | 21.96 | 86.91 | |
| (iii) (b) | Earnings per share after extraordinary items | ||
| Basic earnings per share after extraordinary items | 21.96 | 86.91 | |
| Diluted earnings per share after extraordinary items | 21.96 | 86.91 | |
| (iv) | NPA Ratios | ||
| Amount of gross non-performing assets | 0 | 0 | |
| Amount of net non-performing assets | 0 | 0 | |
| % of gross NPAs | 0 | 0 | |
| % of net NPAs | 0 | 0 | |
| Return on assets | 0 | 0 | |
| 21 | Disclosure of notes on financial results by banks | Textual Information(1) | |
Text Block | |||
| Textual Information(1) | Refer PDF file uploaded on Site for Notes | ||
|---|---|---|---|
Statement of Asset and Liabilities |
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|---|---|---|---|
| Particulars | Year ended (dd-mm-yyyy) | ||
| Date of start of reporting period | 01-Apr-2024 | ||
| Date of end of reporting period | 31-Mar-2025 | ||
| Whether results are audited or unaudited | Audited | ||
| Nature of report standalone or consolidated | Consolidated | ||
| 1 | Capital and liabilities | ||
| Capital | 8924600000 | ||
| Reserves and surplus | 5041701400000 | ||
| Deposits | 54398980200000 | ||
| Borrowings | 6108572400000 | ||
| Other liabilities and provisions | 7583674800000 | ||
| Total Capital Liabilities | 73141853400000 | ||
| 2 | ASSETS | ||
| Cash and Balances with Reserve Bank of India | 2274851600000 | ||
| Balances with Banks and money at call and short notice | 1304477800000 | ||
| Investments | 22056011100000 | ||
| Advances | 42508307400000 | ||
| Fixed Assets | 463376900000 | ||
| Other Assets | 4534828600000 | ||
| Total Assets | 73141853400000 | ||
| Disclosure of notes on assets and liabilities | Textual Information(1) | ||
Text Block |
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| Textual Information(1) | 1. Reserves and surplus includes minority interest 2. For notes, refer PDF file uploaded on website | ||
|---|---|---|---|
Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results |
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|---|---|---|---|---|---|---|---|
| Particulars | 3 months/ 6 months ended (dd-mm-yyyy) | Year to date figures for current period ended (dd-mm-yyyy) | |||||
| Date of start of reporting period | 01-Jan-2025 | 01-Apr-2024 | |||||
| Date of end of reporting period | 31-Mar-2025 | 31-Mar-2025 | |||||
| Whether results are audited or unaudited | Audited | Audited | |||||
| Nature of report standalone or consolidated | Consolidated | Consolidated | |||||
| 1 | Segment Revenue (Income) | ||||||
| (net sale/income from each segment should be disclosed) | |||||||
| 1 | Treasury operations | 377213300000 | 1346275100000 | ||||
| 2 | Corporate/ Wholesale Banking operations | 397919600000 | 1489998100000 | ||||
| 3 | Retail Banking oprations- Digital Banking | 34937000000 | 77314400000 | ||||
| 4 | Retail Banking oprations- Other Retail Banking | 613525600000 | 2339429300000 | ||||
| 5 | Insurance Business | 312784600000 | 1141426100000 | ||||
| 6 | Other Banking operations | 81374000000 | 311086900000 | ||||
| 7 | Unallocated | 13294300000 | 18154500000 | ||||
| Total Segment Revenue | 1831048400000 | 6723684400000 | |||||
| Less: Inter segment revenue | 35425200000 | 90251200000 | |||||
| Income from operations | 1795623200000 | 6633433200000 | |||||
| 2 | Segment Result | ||||||
| Profit (+) / Loss (-) before tax and interest from each segment | |||||||
| 1 | Treasury operations | 76447100000 | 162365900000 | ||||
| 2 | Corporate/ Wholesale Banking operations | 84716900000 | 290090900000 | ||||
| 3 | Retail Banking oprations- Digital Banking | 40940000000 | 153628400000 | ||||
| 4 | Retail Banking oprations- Other Retail Banking | 53253300000 | 437982800000 | ||||
| 5 | Insurance Business | 9158300000 | 33698700000 | ||||
| 6 | Other Banking operations | 22371800000 | 83768300000 | ||||
| 7 | Unallocated | 0 | 0 | ||||
| Total Profit before tax | 286887400000 | 1161535000000 | |||||
| i. Finance cost | 0 | 0 | |||||
| ii. Other Unallocable Expenditure net off Unallocable income | 17919200000 | 97882000000 | |||||
| Profit before tax | 268968200000 | 1063653000000 | |||||
| 3 | (Segment Asset - Segment Liabilities) | ||||||
| Segment Asset | |||||||
| 1 | Treasury operations | 17937158500000 | 17937158500000 | ||||
| 2 | Corporate/ Wholesale Banking operations | 19613886100000 | 19613886100000 | ||||
| 3 | Retail Banking oprations- Digital Banking | 865053000000 | 865053000000 | ||||
| 4 | Retail Banking oprations- Other Retail Banking | 27969676800000 | 27969676800000 | ||||
| 5 | Insurance Business | 4792139500000 | 4792139500000 | ||||
| 6 | Other Banking operations | 1177023300000 | 1177023300000 | ||||
| 7 | Unallocated | 0 | 0 | ||||
| Total Segment Assets | 72354937200000 | 72354937200000 | |||||
| Un-allocable Assets | 786916200000 | 786916200000 | |||||
| Net Segment Assets | 73141853400000 | 73141853400000 | |||||
| 4 | Segment Liabilities | ||||||
| Segment Liabilities | |||||||
| 1 | Treasury operations | 15502249700000 | 15502249700000 | ||||
| 2 | Corporate/ Wholesale Banking operations | 17868897800000 | 17868897800000 | ||||
| 3 | Retail Banking oprations- Digital Banking | 9085064700000 | 9085064700000 | ||||
| 4 | Retail Banking oprations- Other Retail Banking | 17799173300000 | 17799173300000 | ||||
| 5 | Insurance Business | 4576570700000 | 4576570700000 | ||||
| 6 | Other Banking operations | 848532100000 | 848532100000 | ||||
| 7 | Unallocated | 0 | 0 | ||||
| Total Segment Liabilities | 65680488300000 | 65680488300000 | |||||
| Un-allocable Liabilities | 2590997500000 | 2590997500000 | |||||
| Net Segment Liabilities | 65680488300000 | 65680488300000 | |||||
| Disclosure of notes on segments | 1. Segment net results are arrived after taking effect of Transfer Pricing. 2. As per RBI Circular DOR.AUT.REC.12/22/01.001/2022-23 dated April 07, 2022, for the purpose of disclosure under Accounting Standard 17, Segment reporting, ‘Digital Banking’ has been identified as a sub- segment under the retail banking Segment. | ||||||
Cash Flow Statement, Indirect |
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|---|---|---|
| Particulars | Year ended (dd-mm-yyyy) | |
| A | Date of start of reporting period | 01-Jan-2025 |
| B | Date of end of reporting period | 31-Mar-2025 |
| C | Whether results are audited or unaudited | Audited |
| D | Nature of report standalone or consolidated | Consolidated |
| 1 | Statement of cash flows | |
| Cash flows from used in operating activities | ||
| Profit before extraordinary items and tax | ||
| 2 | Adjustments for reconcile profit (loss) | |
| Adjustments to profit (loss) | ||
| Adjustments for finance costs | 119228100000 | |
| Adjustments for depreciation and amortisation expense | 39914800000 | |
| Adjustments for impairment loss reversal of impairment loss recognised in profit or loss | 0 | |
| Adjustments for unrealised foreign exchange losses gains | 0 | |
| Adjustments for dividend income | 0 | |
| Adjustments for share-based payments | 0 | |
| Other adjustments for which cash effects are investing or financing cash flow | -66699100000 | |
| Other adjustments to reconcile profit (loss) | -14558200000 | |
| Other adjustments for non-cash items | 194611600000 | |
| Share of profit and loss from partnership firm or association of persons or limited liability partnerships | 0 | |
| Total adjustments to profit (loss) | 272497200000 | |
| 3 | Adjustments for working capital | |
| Adjustments for decrease (increase) in inventories | 0 | |
| Adjustments for decrease (increase) in trade receivables | -4850635800000 | |
| Adjustments for decrease (increase) in other current assets | -613488600000 | |
| Adjustments for increase (decrease) in trade payables | 4733605300000 | |
| Adjustments for increase (decrease) in other current liabilities | 216846300000 | |
| Adjustments for provisions | 0 | |
| Total adjustments for working capital | -513672800000 | |
| Total adjustments for reconcile profit (loss) | -241175600000 | |
| Net cash flows from (used in) operations | 822477400000 | |
| Dividends received | 0 | |
| Interest paid | 0 | |
| Interest received | 0 | |
| Income taxes paid (refund) | 337614500000 | |
| Other inflows (outflows) of cash | 0 | |
| Net cash flows from (used in) operating activities before extraordinary items | 484862900000 | |
| Proceeds from extraordinary items | 0 | |
| Payment for extraordinary items | 0 | |
| Net cash flows from (used in) operating activities | 484862900000 | |
| 4 | Cash flows from used in investing activities | |
| Cash flows from losing control of subsidiaries or other businesses | 0 | |
| Cash flows used in obtaining control of subsidiaries or other businesses | -10000000 | |
| Other cash receipts from sales of equity or debt instruments of other entities | 0 | |
| Other cash payments to acquire equity or debt instruments of other entities | 0 | |
| Other cash receipts from sales of interests in joint ventures | 0 | |
| Other cash payments to acquire interests in joint ventures | 0 | |
| Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships | 0 | |
| Cash payment for investment in partnership firm or association of persons or limited liability partnerships | 0 | |
| Proceeds from sales of tangible assets | 0 | |
| Purchase of tangible assets | 56372200000 | |
| Proceeds from sales of intangible assets | 0 | |
| Purchase of intangible assets | 0 | |
| Cash advances and loans made to other parties | 0 | |
| Cash receipts from repayment of advances and loans made to other parties | 0 | |
| Cash payments for future contracts, forward contracts, option contracts and swap contracts | 0 | |
| Cash receipts from future contracts, forward contracts, option contracts and swap contracts | 0 | |
| Dividends received | 90000000 | |
| Interest received | 0 | |
| Income taxes paid (refund) | 0 | |
| Other inflows (outflows) of cash | -75200000 | |
| Proceeds from government grants | 0 | |
| Net cash flows from (used in) investing activities before extraordinary items | -56347400000 | |
| Proceeds from extraordinary items | 0 | |
| Payment for extraordinary items | 0 | |
| Net cash flows from (used in) investing activities | -56347400000 | |
| 5 | Cash flows from used in financing activities | |
| Proceeds from issuing shares | 0 | |
| Proceeds from issuing other equity instruments | 0 | |
| Proceeds from issuing debentures notes bonds etc | 215000000000 | |
| Proceeds from borrowings | 0 | |
| Repayments of borrowings | 0 | |
| Dividends paid | 122267200000 | |
| Interest paid | 102709000000 | |
| Income taxes paid (refund) | 0 | |
| Other inflows (outflows) of cash | -127414600000 | |
| Net cash flows from (used in) financing activities before extraordinary items | -137390800000 | |
| Proceeds from extraordinary items | 0 | |
| Payment for extraordinary items | 0 | |
| Net cash flows from (used in) financing activities | -137390800000 | |
| Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes | 291124700000 | |
| 6 | Effect of exchange rate changes on cash and cash equivalents | |
| Effect of exchange rate changes on cash and cash equivalents | 22481700000 | |
| Net increase (decrease) in cash and cash equivalents | 313606400000 | |
| Cash and cash equivalents cash flow statement at beginning of period | 3265723000000 | |
| Cash and cash equivalents cash flow statement at end of period | 3579329400000 | |
Details of Impact of Audit Qualification |
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|---|---|
| Whether results are audited or unaudited | Audited |
| Declaration of unmodified opinion or statement on impact of audit qualification | Declaration of unmodified opinion |
| Auditor's opinion | |
| Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results | Yes |
| Sr No. | Audit firm's name | Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI | Certificate valid upto | ||
| 1 | M/s. Gokhale & Sathe | Yes | 28-Feb-2027 | ||
|---|---|---|---|---|---|
| 2 | M/s. Ravi Rajan & Co. LLP | Yes | 31-May-2025 | ||
| 3 | M/s JLNUS & Co. | Yes | 31-Jan-2026 | ||
| 4 | M/s R.G.N. Price | Yes | 31-Mar-2028 | ||
| 5 | M/s Rama K Gupta & Co. | Yes | 29-Feb-2028 | ||
| 6 | M/s Vinod Kumar & Associates | Yes | 31-Oct-2027 | ||
| 7 | M/s. Varma & Varma | Yes | 31-Jul-2025 | ||
| 8 | M/s. S G C O & Co. LLP | Yes | 31-Oct-2025 | ||
| 9 | M/s. O P Bagla & Co. LLP | Yes | 31-Mar-2028 | ||
| 10 | M/s. Gopal Sharma & Co. | Yes | 28-Feb-2027 | ||
| 11 | M/s. B C Jain & Co. | Yes | 31-Oct-2026 | ||
Financial details |
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| Sr. | Particulars | Audited Figures (as reported before adjusting for qualifications) | Adjusted Figures (audited figures after adjusting for qualifications) |
| 1 | Turnover / Total income | ||
| 2 | Total Expenditure | ||
| 3 | Net Profit/(Loss) | ||
| 4 | Earnings Per Share | ||
| 5 | Total Assets | ||
| 6 | Total Liabilities | ||
| 7 | Net Worth | ||
Any other financial item(s) (as felt appropriate by the management) | |||
Signatories details |
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| Name of CEO / Managing director | |
| Name of CFO | |
| Name of audit committee chairman | |
| Name of statutory auditor | |
| Name of other signatory, if any, with designation | |
| Place | |
| Date | |