Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
9.84%
Net Profit Growth (5y)
31.79%
Advance to Deposit
74.83%
Capital Adequacy Ratio (Tier 1)
12.17%
Gross NPA (latest)
1.49%
Gross NPA (avg)
2.46%
Coverage Ratio (avg)
75.05%
Cost to Income (avg)
52.92%
Net Interest Margin (avg)
2.97%
Operating Profit to Assets (avg)
3.66%
ROA (avg)
0.96%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Price to Book Value
1.77
PEG Ratio
2.88
Dividend Yield
1.66%
ROE (Latest)
14.06%
ROA (Latest)
1.00%
Net NPA to Book Value
3.46
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bullish
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
PBT LESS OI(Q)
At Rs 7,517.92 cr has Grown at 1473.84%
CREDIT DEPOSIT RATIO(HY)
Highest at 81.63%
GROSS NPA(Q)
Lowest at 1.49%
INTEREST EARNED(Q)
Highest at Rs 123,097.67 cr
NET NPA(Q)
Lowest at 0.39%
-1What is not working for the Company
NON-OPERATING INCOME(Q)
is 69.72 % of Profit Before Tax (PBT
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Here's what is working for SBI
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 7,517.92 cr has Grown at 1473.84%
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Gross NPA - Quarterly
Lowest at 1.49%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Credit Deposit Ratio - Half Yearly
Highest at 81.63% and Grown
in the last four periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Interest Earned - Quarterly
Highest at Rs 123,097.67 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Net NPA - Quarterly
Lowest at 0.39%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
CAR - Quarterly
Highest at 15.40%
in the last five quartersMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for SBI
Non Operating Income - Quarterly
is 69.72 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
