STATE BANK OF INDIA

BALANCE SHEET

BALANCE MAR 19 MAR 18 MAR 17 MAR 16 MAR 15  

SHEET OF
STATE BANK OF
INDIA (in Rs. Cr.)

  12 mths 12 mths 12 mths 12 mths 12 mths  

EQUITIES AND  
LIABILITIES

SHAREHOLDER'  
S FUNDS

Equity Share 892.46 892.46 797.35 776.28 746.57  

Capital

TOTAL SHARE 892.46 892.46 797.35 776.28 746.57  

CAPITAL

Revaluation 24,653.94 24,847.99 31,585.65 0.00 0.00  

Reserve

Reserves and 195,367.42 193,388.12 155,903.06 143,498.16 127,691.65  

Surplus

Total Reserves 220,021.36 218,236.10 187,488.71 143,498.16 127,691.65  

and Surplus

TOTAL 220,913.82 219,128.56 188,286.06 144,274.44 128,438.23  

SHAREHOLDER
S FUNDS

Deposits 2,911,386.0 2,706,343.2 2,044,751.3 1,730,722.4 1,576,793.2  

1 9 9 4 5

Borrowings 403,017.12 362,142.07 317,693.66 323,344.59 205,150.29  

Other Liabilities 145,597.30 167,138.08 155,235.19 159,276.08 137,698.04  

and Provisions
TOTAL CAPITAL 3,680,914.2 3,454,752.0 2,705,966.3 2,357,617.5 2,048,079.8  
AND 5 0 0 4 0
LIABILITIES

ASSETS  

Cash and 176,932.42 150,397.18 127,997.62 129,629.33 115,883.84  

Balances with
Reserve Bank of
India

Balances with 45,557.69 41,501.46 43,974.03 37,838.33 38,871.94  

Banks Money at
Call and Short
Notice

Investments 967,021.95 1,060,986.7 765,989.63 575,651.78 481,758.75  

2

Advances 2,185,876.9 1,934,880.1 1,571,078.3 1,463,700.4 1,300,026.3  

2 9 8 2 9

Fixed Assets 39,197.57 39,992.25 42,918.92 10,389.28 9,329.16  

Other Assets 266,327.70 226,994.20 154,007.72 140,408.41 102,209.71  

TOTAL ASSETS 3,680,914.2 3,454,752.0 2,705,966.3 2,357,617.5 2,048,079.8  

5 0 0 4 0

OTHER  
ADDITIONAL
INFORMATION

Number of 22,010.00 22,414.00 17,170.00 16,784.00 16,333.00  

Branches

Number of 257,252.00 264,041.00 209,567.00 207,739.00 213,238.00  

Employees

Capital Adequacy 13.00 13.00 13.00 13.00 12.00  

Ratios (%)

KEY  
PERFORMANCE
INDICATORS

Tier 1 (%) 11.00 10.00 10.00 10.00 10.00  

Tier 2 (%) 2.00 2.00 3.00 3.00 2.00  

ASSETS  
QUALITY

Gross NPA 172,753.60 223,427.46 112,342.99 98,172.80 56,725.34  

Gross NPA (%) 8.00 11.00 7.00 7.00 4.00  

Net NPA 658,947.40 110,854.70 58,277.38 55,807.02 27,590.58  

Net NPA (%) 3.00 6.00 4.00 4.00 2.00  

Net NPA To 3.00 6.00 4.00 4.00 2.00  

Advances (%)

CONTINGENT  
LIABILITIES,
COMMITMENTS

Bills for Collection 70,022.54 74,027.90 65,640.42 199,140.17 92,795.25  

Contingent 1,116,081.4 1,162,020.6 1,046,440.9 971,956.01 971,956.01

Liabilities 6 9 3

INCOME STATEMENT

Dec 31, Sep 30, Jun 30, Mar

Name
2019 2019 2019 201

305,385.7 272,511.4 254,551.1

 Net Interest Income 253,47
0 0 0

Interest Income, Bank 710,255.20 673,562.40 655,944.20 657,84

Total Interest Expense 404,869.50 401,051 401,393.10 404,37

 Loan Loss Provision 76,778.50 136,405.30 94,487.10 166,73

 Net Interest Income After Loan Loss

228,607.20 136,106.10 160,064 86,737
Provision
 Dec 31, Sep 30, Jun 30, Mar
Name
2019 2019 2019 201

 Non-Interest Income, Bank 243,587.60 251,826.40 176,836.60 262,56

- - -
 Non-Interest Expense, Bank -334,35
347,192.70 327,579.30 282,131.90

 Net Income Before Taxes 125,002.10 60,353.20 54,768.70 14,948

 Provision for Income Taxes 23,106.50 23,894.90 23,010.10 -555.40

 Net Income After Taxes 101,895.60 36,458.30 31,758.60 15,504

 Minority Interest -4,005 -2,685.70 -3,395.60 -3,095.

 Equity In Affiliates 1,352 -18.60 1,142 35.49

 U.S GAAP Adjustment - - - -

 Net Income Before Extraordinary

99,242.60 33,754 29,505 12,444
Items

 Total Extraordinary Items -33,923.10 - - -

 Net Income 65,319.50 33,754 29,505 12,444

 Total Adjustments to Net Income - - - -

 Income Available to Common

99,242.60 33,754 29,505 12,444
Excluding Extraordinary Items

 Dilution Adjustment - - - -

 Diluted Net Income 65,319.50 33,754 29,505 12,444

 Diluted Weighted Average Shares 8,923.43 8,924.60 8,913.90 8,924.6

 Dec 31, Sep 30, Jun 30, Mar
Name
2019 2019 2019 201

 Diluted EPS Excluding Extraordinary

11.12 3.78 3.31 1.39
Items

 DPS - Common Stock Primary Issue 0 0 0 0

 Diluted Normalized EPS 11.12 1.62 3.31 1.39

Net interest income SBI 2018-2022

In fiscal year 2019, the State Bank of India earned a net interest income valuing

to over 883 billion Indian rupees. These earnings were expected to go up to
almost 1.25 trillion rupees by financial year 2022 marking a solid growth and
trust in the bank.
Non-interest income or other income increased to Rs 12,023 crores in Q2FY20
from Rs 9,375 crores in Q2FY19, registering an increase of 28.24 per cent Y-o-
Y. SBI's operating profit jumped 30.88 per cent to Rs 18,199 crore in September
quarter of this fiscal from Rs 13,905 crores in the year-ago period.
CASA
SBI's current account savings accounts (CASA) ratio stood at 45.1% as on June
30,2019, unchanged from the year-ago quarter. In absolute terms, CASA
deposits grew 7.37% y-o-y to Rs 12.84 lakh crore.

CANARA BANK

BALANCE SHEET

BALANCE SHEET OF MAR 19 MAR 18 MAR 17 MAR 16 MAR 15  

CANARA BANK (in
Rs. Cr.)
  12 mths 12 mths 12 mths 12 mths 12 mths  

EQUITIES AND  
LIABILITIES

SHAREHOLDER'S  
FUNDS

Equity Share Capital 753.24 733.24 597.29 542.99 475.20  

TOTAL SHARE 753.24 733.24 597.29 542.99 475.20  

CAPITAL

Revaluation Reserve 0.00 6,524.73 5,373.15 5,444.66 5,405.85  

Reserves and Surplus 35,423.99 28,346.86 27,715.10 25,615.55 25,978.18  

Total Reserves and 35,423.99 34,871.59 33,088.25 31,060.21 31,384.04  

Surplus

TOTAL 36,177.23 35,604.84 33,685.54 31,603.20 31,859.23  

SHAREHOLDERS
FUNDS

Deposits 599,033.28 524,771.86 495,275.24 479,791.56 473,840.1  

0

Borrowings 40,992.29 38,808.51 39,503.56 26,873.32 25,671.57  

Other Liabilities and 18,563.89 17,700.90 15,055.10 14,692.70 16,629.66  

Provisions

TOTAL CAPITAL AND 694,766.69 616,886.10 583,519.44 552,960.78 548,000.5  

LIABILITIES 6

ASSETS  

Cash and Balances 29,919.02 22,100.04 19,922.50 20,664.05 21,971.95  

with Reserve Bank of
India

Balances with Banks 36,233.67 27,812.29 38,902.96 36,069.61 26,669.14  

Money at Call and
Short Notice

Investments 152,985.30 144,053.67 150,265.89 142,309.30 145,346.1  

8
Advances 427,727.27 381,702.99 342,008.76 324,714.82 330,035.5  
1

Fixed Assets 8,410.23 8,318.64 7,168.32 7,198.10 6,949.45  

Other Assets 39,491.20 32,898.47 25,251.02 22,004.89 17,028.32  

TOTAL ASSETS 694,766.69 616,886.10 583,519.44 552,960.78 548,000.5  

6

OTHER ADDITIONAL  
INFORMATION

Number of Branches 0.00 5,849.00 6,083.00 5,849.00 5,682.00  

Number of Employees 0.00 58,855.00 55,717.00 54,008.00 53,984.00  

Capital Adequacy 12.00 13.00 13.00 11.00 11.00  

Ratios (%)

KEY PERFORMANCE  
INDICATORS

Tier 1 (%) 0.00 10.00 10.00 9.00 8.00  

Tier 2 (%) 0.00 3.00 3.00 2.00 3.00  

ASSETS QUALITY  

Gross NPA 39,224.12 47,468.47 34,202.04 31,637.83 13,039.96  

Gross NPA (%) 9.00 12.00 10.00 9.00 4.00  

Net NPA 22,955.11 28,542.40 21,648.98 20,832.91 8,740.09  

Net NPA (%) 5.00 7.00 6.00 6.00 3.00  

Net NPA To Advances 0.00 7.00 6.00 6.00 3.00  

(%)

CONTINGENT  
LIABILITIES,
COMMITMENTS

Bills for Collection 0.00 26,782.08 27,176.31 26,563.00 40,481.83  

Contingent Liabilities 0.00 293,728.89 432,470.42 287,945.55 256,776.8
6

INCOME STATEMENT OF CANARA BANK

Mar 31, Mar 31, Mar 31, Mar

Name
2019 2018 2017 20

156,124.1 122,324.1
 Net Interest Income 99,163.89 97,76
0 9

Interest Income, Bank 479,511 413,453.21 414,566.55 440,39

Total Interest Expense 323,386.90 291,129.01 315,402.66 342,62

 Loan Loss Provision 130,650.90 149,528.70 76,025.90 91,820

 Net Interest Income After Loan Loss

25,473.20 -27,204.51 23,137.99 5,944.
Provision

 Non-Interest Income, Bank 99,071.60 73,979.99 78,522.59 51,312

- -
 Non-Interest Expense, Bank -84,197.79 -87,74
145,658.90 110,854.90

 Net Income Before Taxes -21,114.10 -64,079.41 17,462.79 -30,48

 Provision for Income Taxes -26,585.50 -23,206.20 5,126.70 -3,785

 Net Income After Taxes 5,471.40 -40,873.21 12,336.09 -26,70

 Minority Interest -942 -788.52 -525.27 -718.8

 Equity In Affiliates 1,489.10 2,147.78 1,771.93 1,351.

 U.S GAAP Adjustment - - -

 Net Income Before Extraordinary

6,018.50 -39,513.95 13,582.75 -26,07
Items
 Mar 31, Mar 31, Mar 31, Mar
Name
2019 2018 2017 20

 Total Extraordinary Items - - -

 Net Income 6,018.50 -39,513.95 13,582.75 -26,07

 Total Adjustments to Net Income - - -

 Income Available to Common

6,018.50 -39,513.95 13,582.75 -26,07
Excluding Extraordinary Items

 Dilution Adjustment - - -

 Diluted Net Income 6,018.50 -39,513.95 13,582.75 -26,07

 Diluted Weighted Average Shares 736.20 599.20 543.70 539.45

 Diluted EPS Excluding Extraordinary

8.18 -65.94 24.98 -48.33
Items

 DPS - Common Stock Primary Issue 0 0 1 0

 Diluted Normalized EPS 8.18 -50.97 22.38 -38.69

Net income interest of Canara Bank

Net Interest Income (NII) at Rs 3,240.61 crore in June 2019 down 16.54% from Rs.
3882.9 crore in June 2018.
CASA
The CASA ratio stood at 32.34%. The CD ratio of the bank improved by 204
bps to 74.20% from the 72.16% level a year ago.