Page 1

STATE BANK OF INDIA CORPORATE CENTRE , MUMBAI - 400 021 UNAUDITED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED 30TH SEPTEMBER , 2021 Standalone ( in crore ) No. 1 Interest earned ( a ) + ( b ) + ( c ) + ( d ) Particulars Quarter ended 30.09.2021 30.06.2021 30.09.2020 ( Unaudited ) ( Unaudited ) ( Unaudited ) ( Unaudited ) Half year ended 30.09.2021 30.09.2020 ( Unaudited ) 69,481.49 65,564.43 66,814.11 1,35,045.92 ( a ) Interest / discount on advances / bills 42,316.89 41,143.53 43.377.57 83,460.42 ( b ) Income on investments ( c ) Interest on balances with Reserve Bank of India and other inter - bank funds 21,074.66 1.231.31 ( d ) Others Other income 4.858 63 8.207.60 4 Interest expended 13 Extraordinary Items ( net of tax expense ) ( 1 ) Percentage of shares held by Government of India 3 TOTAL INCOME ( 1 ) + ( 2 ) 5 Operating expenses ( a ) + ( b ) + ( c ) ( 4 ) Employee cost ( b ) Operating expenses relating to Insurance Business ( c ) Other operating expenses 6 TOTAL EXPENDITURE ( excluding provisions and contingencies ) ( 4 ) + ( 5 ) 7 OPERATING PROFIT ( before provisions and contingencies ) ( 3 ) - ( 6 ) 8 Provisions ( other than tax ) and contingencies ( net of write back ) of which provisions for non - performing assets Exceptional items ( Refer Note No. 12 ) 10 PROFIT / ( LOSS ) FROM ORDINARY ACTIVITIES BEFORE TAX ( 7 ) - ( 8 ) + ( 9 ) Tax expensel ( credit ) NET PROFIT / ( LOSS ) FROM ORDINARY ACTIVITIES AFTER TAX ( 10 ) - ( 11 ) 14 NET PROFITI ( 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 ( ii ) Capital adequacy ratio ( Basel II ) 77,689.09 38,297.59 20,369.83 1.035.07 3.016.00 11.802.74 77,367.17 37,926.00 20.253.66 508.94 2.673.94 8.527.69 75,341.80 38,632.61 41.444 49 2.266.38 7,874.63 1,33,314.49 87.478.68 38.959.14 2.303.36 21,312.42 20,466.35 20,249.43 20,010.34 1,55,056.26 76,223.59 41,778.77 4,573.31 16.485.17 1,49,799.66 Year ended 31.03.2021 ( Audited ) 2,65,150.63 1,71,429.14 79,808.09 4,317.53 9.595.87 41,956.64 3.07.107.27 30.09.2021 ( Unaudited ) 73,029.13 43.643.51 23.235.88 1.272.76 4.876.98 28,114.12 Quarter ended 30.06.2021 ( Unaudited ) 68,959.95 42.472 23 30.09.2020 ( Unaudited ) 70,043.06 22,349.08 1,103.07 3,035.57 44,688.82 22.113.61 560 69 2,679.94 24,306.99 25,330,44 Consolidated 30.09.2020 ( Unaudited ) 1.39,983.03 Half year ended 30.09.2021 ( Unaudited ) 1,41,989.08 86,115.74 45 584.96 2,375 83 7.912.55 52.421.11 90,400,22 42 597 21 2,397.04 Year ended 31.03.2021 ( Audited ) 2,78,115.48 1,76,780.19 87,130.62 4,541.43 4.588.56 9.663 24 43,374.80 1.05.855.14 1,01,143.25 78,491.43 38,327.12 1,54,440.63 82,652.22 38,638.14 42,060.12 93,266.94 95,373.50 38,249.09 39,023.23 34,187.59 37,822.46 1,94,410.19 1,83,357.83 3,83,970.62 76,887.23 79,324.55 1,56,010.17 76,247.71 67,097.53 1,50,429.60 12,577.80 12.538.29 12,570.15 25,116.09 24,435 21 50.936.00 13,537 20 13.415.04 13.404.15 26.952 24 26 062 37 54,330.83 17.833.82 11,419.40 15,357 78 29,253 22 8,734.62 7.928.06 7,679.28 16,662.68 13,891.91 31,716.22 10,689.10 9,353,15 9.060.53 59,610.01 18.079.08 188.75 2,699.28 58,392.35 58,882.04 1,18,002.36 1,16,818.55 2,37,092.85 80,698.26 72,436,68 76,845.69 1,53,134.94 18.974.82 16,459.76 37,053.90 10,051.96 10,118.31 10,240.71 5,029.79 5.619 28 7,729.07 -7.418.39 -7.418.39 10,471.94 8.922.86 6,341.45 19,394.80 2,845 37 2,418.86 1,767 29 7,626.57 6,504.00 4,574.16 5 264 23 14,130.57 32,981.11 22.619.61 15.039.74 1.539.73 11,901.23 3.137.73 8,763.50 70,014.42 44,013.03 27.244.35 1.539.73 27,541.12 7,130.65 20.410.47 20,444.99 615.44 3.165.61 20,830.26 18,527.81 41,275.25 10.510.24 11,221.02 5,489.44 11,125.68 6.241.13 -7,418.39 12,411.16 10.320.02 7,306.79 3,279 93 2,780 80 9.131.23 7,539.22 1.902 98 5,403.81 8,655.05 -7,418.39 22,731.18 6.060.73 16.670.45 7,626.57 6,504.00 4,574.16 14,130.57 8,763.50 20,410.47 9.131.23 7,539.22 7,626.57 892.46 6.504.00 892.46 4,574.16 892 46 14,130,57 892.46 8,763.50 892 46 20,410.47 892.46 2,29.405.38 210.37 451.76 8,889.84 892.46 163.37 322 68 7,379.91 5,403.81 107 52 265.45 892 46 5,245.88 892.46 16,670.45 373.74 774.44 16,269.75 892.46 10,607.30 171.48 756.40 10,022.38 892 46 20.042 25 24,668 22 16.366 94 1,46,422.08 36,935.75 23,783.78 15.861.52 1,367 27 14,519.24 3.911.94 10,607.30 58 397.02 37,701.75 3,06,439.77 77.530.85 46,102.16 29,732.65 1,367.27 32,795.96 8.516 25 24,279.71 24,279.71 -391.90 1,482 36 22,405.45 892 46 2,51,091.75 56.92 % 56.92 % 56.92 % 56.92 % 56 92 % 56 92 % 56 92 % 56.92 % 56.92 % 56.92 % 56 92 % 56.92 % 13.35 % 13.66 % 14.72 % 13 35 % 14.72 % 13.74 % ( a ) CET 1 ratio 9.76 % 9.91 % 10 49 % 9.76 % 10.49 % 10.02 % ( b ) Additional tier 1 ratio 1.26 % 1.41 % 1.41 % 1.26 % 1.41 % 1.42 % ( iii ) Earnings per share ( EPS ) ( ? ) S ( a ) Basic and diluted EPS before Extraordinary items ( net of tax expense ) ( Quarter numbers not annualised ) 8.55 729 5.13 15.83 9.82 22.87 9.96 8.27 5.88 18.23 11 23 25.11 ( b ) Basic and diluted EPS after Extraordinary items ( net of tax expense ) ( Quarter numbers not annualised ) 8.55 7.29 5.13 15.83 9.82 22.87 9.96 8.27 5.88 18.23 11.23 25.11 ( iv ) NPA ratios ( a ) Amount of gross non - performing assets ( b ) Amount of net non - performing assets ( c ) % of gross NPAs ( d ) % of net NPAs ( v ) Return on assets ( Net assets basis - annualised ) ( vi ) Net worth ( viii ) Capital redemption reserve 1.23.941.77 37,118.61 1.34.259 48 43.152.52 1.25.862 99 36,450.69 4.90 % 5.32 % 5.28 % 1 23,941.77 37.118.61 4.90 % 1,25,862 99 1,26,389 02 36,450.69 36.809.72 5.28 % 4.98 % 1.52 % 0 66 % 1.77 % 1.59 % 1.52 % 1.59 % 1.50 % 2,25,409.19 057 % 2,18.666.35 0 44 % 2,08,885.24 061 % 043 % 0.48 % 2.25.409.19 2.08,885.24 2.14.666.17 ( vii ) Outstanding redeemable preference shares ( ix ) Debt - equity ratio " ( x ) Total debts to total assets * 0.56 8.93 % 0.54 8.75 % 068 7.17 % 0.56 8.93 % 0.68 7.17 % 0.57 9.20 % * Debt represents borrowings with residual maturity of more than one year . Total debts represents total borrowings of the Bank .