Balance sheet of state bank of India

Amt in Rs.(Cr)
Equities and
March-18 March-17
capital

Equities share 892.46 797.35

capital
Total Share
892.46 797.35
Capital
Revaluation
24,847.99 31,585.65
Reserve
Reserves and
1,93,388.12 1,55,903.06
Surplus
Total Reserves
2,18,236.10 1,87,488.71
and Surplus
Total Share
2,19,128.56 1,88,286.06
Holders Funds
Deposits 27,06,343.29 20,44,751.39
Borrowings 3,62,142.07 3,17,693.66
Other
Liabilities and 1,67,138.08 1,55,235.19
Provisions
Total Capital
34,54,752.00 27,05,966.30
and Liabilities
ASSETS
Cash and
Balances with
1,50,397.18 1,27,997.62
Reserve Bank
of India
Balances with
Banks Money
41,501.46 43,974.03
at Call and
Short Notice
Investments 10,60,986.72 7,65,989.63
Advances 19,34,880.19 15,71,078.38
Fixed Assets 39,992.25 42,918.92
Other Assets 2,26,994.20 1,54,007.72
Total Assets 34,54,752.00 27,05,966.30
Analysis of state bank of India (SBI):
❖ In financial year 2017-18 company share capital was 797Cr and 892 Cr where it
shows that Company share capital has increased by almost 95 Cr in 2018.

❖ Talking about the reserve and surplus, in financial year 2017-2018 the total reserve
and surplus was 155903 Cr and 193388 Cr which clearly depict that bank is having
sufficient fund which can be utilize in case of any shortage or illiquidation.

❖ In financial year 2017-2018 the total borrowing was almost 317693 Cr and 362142 Cr
which indicate that bank has taken almost 44449 Cr more as compare to 2017 and
somehow its not good for bank, because it a kind of debt which bank has to pay it
back to lender.

❖ Talking about the liabilities of the bank, it has taken around 2705966 Cr in 2017 and
3454752Cr in 2018 where it reflects bank is some how in bad situation as compare to
financial 2017 and its not good for any company nor any bank .

❖ In asset side ,Bank has invested almost Rs.765989 Cr in 2017 and 1060986 Cr in 2018
which indicates there is slight difference of 294997 Cr which shows that bank has
started focusing on investing some other sector which is good for bank because by
investing into other sector it can be able generate more income which would be external
sources for them.

❖ Talking about the total asset it has slightly changes from 2705966 Cr to 3454752 Cr in
financial year 2017-2018 which indicates that bank is having that much of asset which
he can be used in case of any future uncertainty or any losses.

❖ In nutshell, somehow bank was trying to manage their situation by investing more in
various sectors which would be better for them for future perspective, along with them
it got shortage or we can say that took a loan more in 2018 as compare to 2017 to
maintain the balance of bank. As we have seen that there are many banks who have
given the money to the needy people and they would not have able recover it, by
performing such activities they would have suffered huge loss at end got shut down due
to shortage of reserve and surplus. In the same scenario SBI is performing it well to
maintain the situation by maintaining the reserve and surplus which would help in
future uncertainty.