State Bank of India (SBKFF) Income Statement Analysis

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Complete financial analysis of State Bank of India (SBKFF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of State Bank of India, a leading company in the Banks – Regional industry within the Financial Services sector.

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State Bank of India (SBKFF)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.sbi.co.in

About State Bank of India

State Bank of India provides banking products and services to individuals, commercial enterprises, corporates, public bodies, and institutional customers in India and internationally. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, Insurance Business, and Other Banking Business segments. It offers personal banking products and services, including current accounts, savings accounts, salary accounts, fixed and recurring deposits, and flexi and annual deposits; home, personal, auto, education, and gold loans, as well as loans against property and securities; overdrafts; mutual funds, insurance, equity trading, portfolio investment schemes, remittance services; and mobile and digital banking services. The company also provides corporate banking products and services comprising corporate accounts, working capital and project finance, deferred payment guarantees, corporate term loans, structured finance, dealer and channel financing, equipment leasing, loan syndication, construction equipment loans, financing Indian firms' overseas subsidiaries or JVs, cash management, and asset-backed loans, as well as trade and service products. In addition, it offers NRI services, including accounts and deposits, remittances, investments, and loans; agricultural banking and micro-credit to agriculturists and farmers; supply chain finance, and deposits and transaction banking services for SME customers; and international banking services. Further, the company provides treasury, broking, bill payment, and MICR services; and merchant banking, advisory, securities broking, business & management consultancy, trustee business, factoring, payment, asset management, investment management, credit cards, and custody and fund accounting services. It also offers support and business correspondent services. As of March 31, 2022, the company operated 22,266 branches and 65,030 ATMs. State Bank of India was founded in 1806 and is headquartered in Mumbai, India.

Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005
Revenue	3,271.34B	2,833.97B	2,236.61B	2,171.53B	1,951.76B	1,651.39B	1,451.00B	1,421.01B	1,283.61B	1,242.74B	1,042.54B	944.14B	876.16B	797.58B	672.14B	504.67B	422.75B	343.94B	329.63B	296.44B
Cost of Revenue	-77.05B	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	3,348.39B	2,833.97B	2,236.61B	2,171.53B	1,951.76B	1,651.39B	1,451.00B	1,421.01B	1,283.61B	1,242.74B	1,042.54B	944.14B	876.16B	797.58B	672.14B	504.67B	422.75B	343.94B	329.63B	296.44B
Gross Profit Ratio	102.36%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	9.74B	8.01B	33.72B	28.78B	30.89B	31.07B	34.05B	31.17B	27.69B	26.81B	25.02B	20.68B	13.35B	0.00	0.00	0.00	0.00	0.00	5.81B	5.51B
Selling & Marketing	34.49B	34.19B	26.94B	24.59B	28.31B	23.61B	19.98B	6.00B	6.10B	7.97B	6.10B	6.44B	3.43B	0.00	3.38B	0.00	0.00	0.00	1.91B	1.56B
SG&A	1,000.55B	42.21B	60.65B	53.37B	59.20B	54.68B	54.03B	37.18B	33.79B	34.78B	31.11B	27.11B	16.77B	0.00	3.38B	0.00	0.00	0.00	7.72B	7.07B
Other Expenses	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-1.44B	0.00	-127.85B	-60.00B	-43.41B	-35.80B	0.00	0.00
Operating Expenses	1,000.55B	1,971.72B	1,741.95B	1,489.27B	1,308.42B	1,136.95B	948.96B	870.95B	727.67B	738.75B	629.76B	524.94B	717.40B	460.47B	424.15B	265.72B	239.43B	200.02B	176.01B	144.44B
Cost & Expenses	1,000.55B	1,971.72B	1,741.95B	1,489.27B	1,308.42B	1,136.95B	948.96B	870.95B	727.67B	738.75B	629.76B	524.94B	717.40B	460.47B	424.15B	265.72B	239.43B	200.02B	176.01B	144.44B
Interest Income	4,391.89B	3,508.45B	2,899.73B	2,781.15B	2,698.52B	2,533.22B	2,289.70B	2,304.47B	2,218.55B	2,079.74B	1,890.62B	1,679.78B	1,471.97B	1,136.36B	1,000.81B	916.67B	714.96B	572.38B	497.07B	444.99B
Interest Expense	2,597.36B	1,899.81B	1,561.94B	1,560.10B	1,611.24B	1,558.67B	1,466.03B	1,491.15B	1,430.47B	1,331.79B	1,214.79B	1,068.18B	893.20B	680.86B	666.38B	626.26B	479.44B	339.83B	278.72B	248.92B
Depreciation & Amortization	38.49B	36.96B	36.91B	37.11B	36.62B	-30.69B	122.45B	-9.45B	-181.77B	15.81B	19.42B	15.77B	13.72B	13.81B	-335.38M	9.24B	10.38B	9.50B	66.73B	55.64B
EBITDA	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA Ratio	0.00%	27.59%	23.45%	15.95%	18.22%	3.51%	-6.55%	3.16%	15.51%	21.66%	22.02%	28.65%	19.08%	26.09%	17.82%	37.29%	35.55%	34.20%	37.42%	37.65%
Operating Income	2,270.78B	744.88B	487.56B	309.22B	319.08B	23.00B	-126.14B	15.77B	176.58B	253.31B	210.10B	254.75B	153.43B	194.25B	120.14B	178.95B	139.91B	108.12B	56.61B	55.98B
Operating Income Ratio	69.41%	26.28%	21.80%	14.24%	16.35%	1.39%	-8.69%	1.11%	13.76%	20.38%	20.15%	26.98%	17.51%	24.35%	17.87%	35.46%	33.09%	31.44%	17.18%	18.88%
Total Other Income/Expenses	-1,344.33B	-1,044.47B	-918.14B	-66.42B	-615.09B	7.69B	-41.87B	-6.32B	5.19B	5.23B	3.16B	2.32B	244.69B	199.20B	186.82B	-2.18B	-2.52B	-2.55B	87.59B	-304.56B
Income Before Tax	926.45B	753.99B	497.39B	242.80B	303.17B	30.69B	-122.45B	9.45B	181.77B	258.55B	213.26B	258.82B	0.00	199.20B	0.00	176.77B	137.38B	105.57B	0.00	0.00
Income Before Tax Ratio	28.32%	26.61%	22.24%	11.18%	15.53%	1.86%	-8.44%	0.66%	14.16%	20.80%	20.46%	27.41%	0.00%	24.98%	0.00%	35.03%	32.50%	30.69%	0.00%	0.00%
Income Tax Expense	231.02B	188.40B	133.82B	85.16B	121.40B	7.69B	-80.58B	13.36B	54.34B	83.37B	68.36B	75.59B	0.00	87.40B	0.00	67.22B	47.78B	41.92B	0.00	0.00
Net Income	670.85B	556.48B	353.74B	224.05B	197.68B	23.00B	-45.56B	2.41B	122.25B	169.94B	141.74B	179.16B	153.43B	106.85B	120.14B	111.73B	92.13B	66.20B	56.61B	55.98B
Net Income Ratio	20.51%	19.64%	15.82%	10.32%	10.13%	1.39%	-3.14%	0.17%	9.52%	13.67%	13.60%	18.98%	17.51%	13.40%	17.87%	22.14%	21.79%	19.25%	17.18%	18.88%
EPS	75.17	623.50	396.40	251.10	221.50	25.77	-53.40	3.09	159.47	227.63	204.00	266.82	241.55	168.27	189.23	176.12	173.35	125.50	101.50	100.36
EPS Diluted	75.17	623.50	396.40	251.10	221.50	25.77	-53.40	3.09	159.47	227.62	204.00	266.82	241.55	168.27	189.23	176.12	173.19	125.50	101.50	100.36
Weighted Avg Shares Out	8.92B	892.46M	892.46M	892.46M	892.46M	892.46M	853.31M	780.38M	766.56M	746.57M	694.78M	671.47M	635.20M	635.00M	634.88M	634.41M	531.45M	527.46M	557.80M	557.80M
Weighted Avg Shares Out (Dil)	8.92B	892.46M	892.46M	892.46M	892.46M	892.46M	853.31M	780.38M	766.56M	746.60M	694.78M	671.47M	635.20M	635.00M	634.88M	634.41M	531.96M	527.46M	557.80M	557.80M