State Bank of India Balance Sheet Health
Financial Health criteria checks 4/6
State Bank of India has total assets of ₹69,633.4B and total equity of ₹4,808.1B. Total deposits are ₹51,717.4B, and total loans are ₹39,439.9B earning a Net Interest Margin of 3.3%. It has insufficient allowance for bad loans, which are currently at 2.1% of total loans. Cash and short-term investments are ₹3,549.7B.
Key information
14.5x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | ₹51.72t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.1% |
| Allowance for bad loans | n/a |
| Current ratio | Low |
| Cash & equivalents | ₹3.55t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SBIDL's Assets to Equity ratio (14.5x) is moderate.
Allowance for Bad Loans: Insufficient data to determine if SBIDL has a sufficient allowance for bad loans.
Low Risk Liabilities: 80% of SBIDL's liabilities are made up of primarily low risk sources of funding.
Loan Level: SBIDL has an appropriate level of Loans to Assets ratio (57%).
Low Risk Deposits: SBIDL's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: SBIDL has a high level of bad loans (2.1%).