Scribd
Upload
257 views

SBI Bank Ratio Analysis

The document provides financial performance details of State Bank of India (SBI) compared to other banks such as Bank of Baroda and Punjab National Bank over 2019-2020 and 2020-2021 periods. It discusses SBI's net interest income, net profits, net interest margin ratio, CASA ratio, credit to deposit ratio, interest expended to total funds ratio, capital adequacy ratio, asset quality and innovations over these time periods. An analysis of SBI's strengths, weaknesses, opportunities and threats is also presented.

Uploaded by

Ishita Trivedi
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd
257 views

SBI Bank Ratio Analysis

The document provides financial performance details of State Bank of India (SBI) compared to other banks such as Bank of Baroda and Punjab National Bank over 2019-2020 and 2020-2021 periods. It discusses SBI's net interest income, net profits, net interest margin ratio, CASA ratio, credit to deposit ratio, interest expended to total funds ratio, capital adequacy ratio, asset quality and innovations over these time periods. An analysis of SBI's strengths, weaknesses, opportunities and threats is also presented.

Uploaded by

Ishita Trivedi
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PPTX, PDF, TXT or read online on Scribd
You are on page 1/ 19

State Bank of India

Group 3:
Bhaskar Bagga - 105
Divya Agrawal - 106
Gaurav Mulik - 107
Isha Srivastava - 110
Ishita Trivedi - 111
Kaivalya Ajgaonkar - 113
01
Profitability Analysis
FINANCIAL PERFORMANCE
In million Rs

2019-2020 2020-2021 Half Yearly Half Yearly


SBI 2022 2021

10,87,278.6 12,21,053 6,51,018 6,06,584


NET Interest
Income

NET 197,678 224,054.6 162,698 100,223.8


PROFITS
NET INTEREST MARGIN RATIO
NIM Ratio is computed by comparing the net interest income i.e Interest income net off
expenses. It is a measure of Banks performance.

It is a profitability indicator that suggests banks investment thriving over a long period of time.

A negative NIM suggests that the banks are operating at a loss and utilising the banks
investments inefficiently while positive NIM suggests that the bank is operating at profit and
there is a considerable spread in the interest rates.
NET INTEREST MARGIN RATIO
2019-2020 2020-2021 Half Yearly Half Yearly
2022 2021

2.78% 2.92% 1.43% 1.53%


SBI

Bank of 2.86% 2.59% 1.36% 1.30%


Baroda

2.18 2.91% 1.08% 1.47%


Punjab National
Bank
02

Liquidity Analysis
CASA Ratio
2019-2020 2020-2021

State Bank of 44.17% 45.40%


India
35.02% 39.80%
Bank of
Baroda

Punjab National 42.97% 44.54%


Bank
Credit to Deposit Ratio
2019-2020 2020-2021

73.32 68.97
State Bank of
India
73.13 73.00
Bank of Baroda

Punjab National 67.47 63.39


Bank
Interest Expended to Total Funds Ratio

2019-2020 2020-2021

4.20 3.66
State Bank of
India
5.01 3.60
Bank of
Baroda

Punjab National 4.53 4.80


Bank
03
Capital Adequacy
Ratio
CAPITAL ADEQUACY RATIO

2019-2020 2020-2021

Tier 1: 10.71% Tier 1: 11.19%


SBI Tier 2: 2.42% Tier 2: 2.63%

Bank of Tier 1: 10.71% Tier 1: 12.67%


Baroda Tier 2: 2.59% Tier 2: 2.32%

Punjab National Tier 1:12.68% Tier 1: 12.63%


Tier 2:2.31% Tier 2: 2.53%
Bank
Asset Quality
The Bank over the last two financial years was dealing with steep rise in stressed assets

The outbreak of the pandemic and subsequent lockdown in FY2021 altered the dynamics of
stressed asset recovery.

SBI was able to achieve a reduction in level of Gross NPAs by `22,703 crore by March 2021.

The gross NPAs ratio of the Bank accordingly declined to 4.98% from 6.15% in the last year.
The PCR of the bank has also improved to 87.75%.
GNPA & Slippage Ratio
Innovations
Winner of the “Most innovative project” at IBA Annual Banking Technology Awards 2021 and Banking Frontiers Finnoviti Award for
AI /ML models like Project Shikhar & Recommendation Engine.

Personal Financial
IoT
management
01 YONO

“You Only Need One” - SBI’s flagship Robotic


digital and lifestyle platform has Blockchain Process
furthered digital lending in a seamless Automation
manner.

The platform also offers YONO Krishi, Biometric


Cognitive
which is a comprehensive multi-lingual Learning Authentication
platform for agriculture segment.

Machine Learning / Sound


Deep Learning based
02 Customer Relationship Management
(CRM)
CRM is an integrated
Platform designed with the objective of
generating leads in CRM application through
various channels, better monitoring mechanism of
leads at various stages.

03 SBI e-Pay and SBIPG 04 Open Banking (OB)

SBI works both as payment SBI has also introduced Open Banking
aggregator and payment gateway, (OB) in UK following instructions of
which is European Banking Authority (EBA).
a unique PCIDSS certified secured
platform
for facilitating seamless online
transactions.
SWOT

01
●
Strengths

India’s biggest bank in terms of market


share
02
●
Weakness

Loan growth has trailed the sector trends in


● A Fortune Global 500 Company recent years, with the bank focusing on
● Has more than 22141 branches and 58555 improving the overall quality of its book.
ATM’s ● Employees are hesitant to fix issues efficiently
● Has revenue of 143306 Cr. Rs due to better job stability

03
●
Opportunities

Merger with its associate banks will bring in cost


and operational synergies
04
●
Threats

Increasing competition from new / private


banks
● Enhancing cost efficiency through improved ● Further deterioration in asset quality due to
branch utilisation, digitalisation initiatives and
exposure to stressed assets
greater emphasis on cross selling.
Thank you!

You might also like