State Bank of India Balance Sheet Health
Financial Health criteria checks 4/6
State Bank of India has total assets of ₹60,072.9B and total equity of ₹3,912.8B. Total deposits are ₹45,783.6B, and total loans are ₹33,058.4B earning a Net Interest Margin of 3.4%. It has insufficient allowance for bad loans, which are currently at 2.8% of total loans. Cash and short-term investments are ₹2,162.9B.
Key information
15.4x
Asset to equity ratio
3.4%
Net interest margin
Total deposits | ₹45.78t |
Loan to deposit ratio | Appropriate |
Bad loans | 2.8% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | ₹2.16t |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SBIA's Assets to Equity ratio (15.4x) is moderate.
Allowance for Bad Loans: SBIA has a low allowance for bad loans (1%).
Low Risk Liabilities: 82% of SBIA's liabilities are made up of primarily low risk sources of funding.
Loan Level: SBIA has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: SBIA's Loans to Deposits ratio (72%) is appropriate.
Level of Bad Loans: SBIA has a high level of bad loans (2.8%).