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STATE BANK OF INDIA CORPORATE CENTRE , NARIMAN POINT , MUMBAI - 400 021 AUDITED FINANCIAL RESULTS FOR THE QUARTER AND YEAR ENDED 31ST MARCH 2021 Standalone Consolidated S. No. Particulars 31.03.2021 ( Audited ) Quarter ended 31.12.2020 ( Unaudited ) Year ended Quarter ended 31.03.2020 31.03.2021 ( Audited ) ( Audited ) 1 Interest eamed ( a ) + ( b ) + ( c ) + ( d ) ( a ) Interest / discount on advances / bills ( b ) Income on investments ( c ) Interest on balances with Reserve Bank of India and other inter - bank funds ( d ) Others 65,101.64 66.734.50 62.681.40 2,65.150.63 31.03.2020 ( Audited ) 2,57,323.59 31.03.2021 ( Audited ) 31.12.2020 ( Unaudited ) 31.03.2020 ( Audited ) 68,032.66 70.099.79 40.213.71 43.736.75 42.579.66 1,71,429.14 20.376.88 20.472.07 17.316.46 79,808.09 1,365.93 648 24 3,145.12 1,877 44 2 Other income 3 TOTAL INCOME ( 1 ) + ( 2 ) 16.225.32 9,246.15 81.326.96 75.980.65 4 Interest expended 5 Operating expenses ( a ) + ( b ) + ( c ) ( a ) Employee cost ( b ) Operating Expenses relating to Insurance Business ( c ) Other operating expenses 6 TOTAL EXPENDITURE ( excluding provisions and contingencies ) ( 4 ) + ( 5 ) OPERATING PROFIT ( before provisions and contingencies ) ( 3 ) - ( 6 ) 7 8 Provisions ( other than tax ) and contingencies ( net of write back ) of which provisions for non - performing assets 9 Exceptional Items 10 PROFIT / ( LOSS ) FROM ORDINARY ACTIVITIES BEFORE TAX ( 7 ) - ( 8 ) + ( 9 ) 11 Tax expense / ( credit ) 38.034.64 37.914.56 23,592.17 20,732.93 13,382.78 13.118.01 948.87 1,836.41 13.346.11 76.027.51 39,914.48 20,379.25 12.038 67 4.317 53 9.595.87 41.956.64 3,07,107.27 1,54,440.63 82,652.22 1,79,743.84 68.204.72 2.920.40 6.449.63 41.256.67 45,123.30 22.157.22 1.433.74 3.185.03 22.376.19 39.005.84 2,96,329.43 1,59,238.77 75.173.69 35.397.98 1,03,430.64 38.388.82 43.863.76 50,936.00 45.714.97 14.240.12 17.570.56 10.209 39 7.614.92 61.626.81 58,647.49 19.700.15 17.333.16 11.051.03 10.342.39 9.914.23 2.290.38 8.340.58 60,293.73 15.733.78 13.495.08 11,893.73 2,731 34 31.716.22 29.458.72 12.053.08 2.37.092.85 70,014.42 44,013.03 2.34.412.46 82.252.58 710.65 1.889.65 27.082.36 97.182.15 38.296-80 39.468.31 14.028.34 16,158.24 9.281.73 77.765.11 65.875.48 2.78.115.48 44.170.77 1.76.780.19 18.873.16 87,130.62 989.20 4,541.43 1,842.35 9,663.24 28.343.34 1,05,855.14 94.218.82 3,83,970.62 3.62.229.09 ( in crore ) Year ended 31.03.2021 ( Audited ) 31.03.2020 ( Audited ) 2,69,851.66 1,85,494 20 74.812.87 3,066.25 6,478.34 92.377.43 40.392.44 36.091.17 12.934.77 13,176.66 1,56.010.17 1,50.429.60 1.61.123.80 1,31,781.56 54,330.83 48,850 55 58,397 02 46,728.77 9.979.74 37.701.75 36.202.24 76.483.61 3,06,439.77 2.92.905.36 61.916.97 21,178.06 43.069 85 11,516.71 19,417.04 10.801-67 17,735.21 77,530.85 69.323.73 8.649.12 6.990.77 4.970.04 27.244.35 1,539.73 27,541.12 42.775.96 11,477 84 2.393.29 14,021.61 12.076.83 46.102-16 6,215.64 25.062.76 9.661.35 8.615.37 2.198.37 1.794.55 1.389.23 7.130.65 10,574.65 2.391.10 2.213.21 12 NET PROFIT / ( LOSS ) FROM ORDINARY ACTIVITIES AFTER TAX ( 10 ) - ( 11 ) 6,450-75 5,196.22 3,580.81 20,410.47 14.488.11 7,270.25 6.402.16 2.590.59 6,304.19 1,746.30 4.557.89 29.732.65 1.367.27 32,795.96 8.516.25 24.279.71 44.788.70 43.848.89 5.781 56 30,316.59 12.139.76 18.176.83 13 Extraordinary items ( net of tax expense ) 14 NET PROFIT / ( LOSS ) FOR THE PERIOD ( 12 ) + ( 13 ) 15 Share in profit of associates 16 Minority Interest 17 NET PROFIT / ( LOSS ) AFTER MINORITY INTEREST ( 14 ) + ( 15 ) - ( 16 ) 18 Paid - up equity share capital ( face value of 1 / - each ) 19 Reserves excluding revaluation reserves 20 Analytical ratios ( il ) Capital adequacy ratio ( Basel III ) ( a ) CET 1 ratio 6.450.75 5,196.22 3,580.81 20,410.47 14.488.11 7.270.25 6.402.16 -775.08 369.65 211.70 356-31 6,450.75 5.196.22 892.46 892.46 3,580.81 892 : 46 20.410.47 892.46 2.29,405.38 14.488.11 892.46 2.07.352.30 6.125.52 892.46 6.257.55 892 46 4.557.89 2.715.60 363.54 6.909.95 892.46 24.279.71 -391.90 1.482.36 22.405.45 892.46 2,51,091.75 18.176.83 2,963.14 1.372.17 19.767.80 892.46 2,26,405.00 ( ) Percentage of shares held by Government of India 56.92 % 56.92 % 56.92 % 56.92 % 56.92 % 56.92 % 56.92 % 56.92 % 56.92 % 56.92 % 13.74 % 14.50 % 13.06 % 13.74 % 13.06 % 10.02 % 10.27 % 9.77 % 10.02 % 9.77 % ( b ) Additional tier 1 ratio 1.42 % 1.46 % 1.23 % 1.42 % 1.23 % ( i ) Earnings per share ( EPS ) ( * ) ( a ) Basic and diluted EPS before Extraordinary Items ( net of tax expense ) ( Quarter numbers not annualised ) 7.23 5.82 4.01 22.87 16.23 686 7.01 7.74 25.11 22.15 2008 ( b ) Basic and diluted EPS after Extraordinary Items ( net of tax expense ) ( Quarter numbers not annualised ) 7.23 5.82 4.01 22.87 16.23 6.86 7.01 7.74 25.11 22.15 ( lv ) NPA ratios ( a ) Amount of gross non - performing assets 1.26.389 02 ( b ) Amount of net non - performing assets 36.809.72 1.17.244.23 29.031.72 1,49,091.85 51,871 30 ( c ) % of gross NPAs 4.98 % 4.77 % 6.15 % 1,26,389.02 36.809.72 4.98 % 1,49,091.85 51.871.30 6.15 % ( d ) % of net NPAs 1.50 % 1.23 % 2.23 % 1.50 % 2.23 % ( v ) Return on assets ( Net Assets basis - Annualised ) 0.58 % 0.49 % 0.37 % 0.48 % 0.38 % # Includes revaluation of Deferred Tax Assets ( DTA ) due to change in tax rate for the year ended 31 March 2020 wande