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SBI Q2 FY22 Results

SBI Q2 FY22 Results

India’s largest lender State Bank of India (SBI) reported robust earnings during the July-September quarter of the financial year 2021-22. Along with the bank's profit and net interest income (NII), asset quality improves too during the quarter.

The bank's profit during Q2 jumped 66.7 per cent to Rs 7,626.6 crore as compared to Rs 4,574.2 crore in the same quarter a year-ago period. While its NII surged 29 per cent to Rs 31,183.9 crore during the quarter, as compared to Rs 24,181.5 crore in the same quarter a year ago.  

 

Key Summary of Q2FY22 Results

 

In Rs Crores

Q2FY21

Q1FY22

Q2FY22

YoY %

QoQ %

H1FY21

H1FY22

YoY %

Profit & Loss

Interest Income

66,814

65,564

69,481

3.99

5.97

1,33,314

1,35,046

1.30

Interest Expenses

38,633

37,926

38,298

-0.87

0.98

78,491

76,224

-2.89

Net Interest Income

28,181

27,638

31,184

10.65

12.83

54,823

58,822

7.29

NIM, % (Domestic)

3.34

3.15

3.50

16 bps

35 bps

3.29

3.33

4 bps

Operating Profit

16,460

18,975

18,079

9.84

-4.72

34,521

37,054

7.34

Loan loss provisions

5,619

5,030

2,699

-51.96

-46.33

15,040

7,729

-48.61

Exceptional Items*

 

 

7,418

 

 

 

7,418

 

Profit after tax

4,574

6,504

7,627

66.73

17.26

8,763

14,131

61.24

*Provisions on account of change in family pension rules

In Rs Crores

Sep 20

Jun 21

Sep 21

YoY %

QoQ %

Balance Sheet

Gross advances

23,83,624

25,23,793

25,30,777

6.17

0.28

  Domestic Corporate

7,87,559

7,90,494

7,56,764

-3.91

-4.27

     Domestic Retail Personal

7,85,345

8,72,104

9,04,473

15.17

3.71

    Of which: Home loans

4,68,382

5,05,473

5,18,703

10.74

2.62

Deposits

34,70,462

37,20,987

38,09,630

9.77

2.38

  Domestic CASA

15,27,007

16,59,234

17,06,387

11.75

2.84

  Domestic Term Deposits

18,37,128

19,50,107

19,83,642

7.98

1.72

CASA Ratio (%)

45.39

45.97

46.24

85 bps

27 bps

GNPA

1,25,863

1,34,259

1,23,942

-1.53

-7.68

NNPA

36,451

43,153

37,119

1.83

-13.98

Slippages (During the Quarter)

2,756

15,666

4,176

51.52

-73.35

 

Ratios, %

Q2FY21

Q1FY22

Q2FY22

YoY, bps

QoQ, bps

H1FY21

H1FY22

YoY, bps

Asset Quality

GNPA

5.28

5.32

4.90

-38

-42

5.28

4.90

-38

NNPA

1.59

1.77

1.52

-7

-25

1.59

1.52

-7

PCR (with AUCA)

88.19

85.93

87.68

-51

175

88.19

87.68

-51

PCR (without AUCA)

71.04

67.86

70.05

-99

219

71.04

70.05

-99

Slippage Ratio

0.46

2.47

0.66

20

-181

0.53

1.56

103

Credit Cost

0.94

0.79

0.43

-51

-36

1.24

0.61

-63

Capital Ratios

CET-1 ratio

10.49

9.91

9.76

-73

-15

10.49

9.76

-73

Tier-1 ratio

11.90

11.32

11.02

-88

-30

11.90

11.02

-88

CAR

14.72

13.66

13.35#

-137

-31

14.72

13.35#

-137

 

 

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