Analyzing the SBI Balance Sheet: A Comprehensive Overview

sbi balance sheet

The State Bank of India (SBI) is considered to be one of the largest and oldest commercial banks in India. It always releases complete financial statements. One of the most important financial statements is the SBI balance sheet. With the help of the financial statements, SBI wants to keep their financial health and performance transparent. Not only that they want to give an insight about their financial status. In this article, we will analyze the balance sheet of SBI Bank from 2016 – 2023, assess the primary financial metrics and perform a ratio calculation to understand the resilience and expansion of the bank. 

Overview of SBI’s Balance Sheets (2016-2022):


  • The balance sheet of SBI displays a wide range of assets like loans, cash, investments, and fixed assets. 
  • The total assets of the bank have displayed constant development over the year which demonstrates the expansion and growing market presence of the bank. 


  • Liabilities mean various types of responsibilities like borrowings, deposits, and other commitments. 
  • The liabilities of SBI have also noticed development which indicates its capability of attracting deposits and raising funds to support its functions and lending works. 


  • Equity depicts the ownership of the shareholders in the bank and is an important marker of its economic resilience.
  • SBI has retained a wholesome level of equity capital which indicates its capability of resisting financial shocks and capitalizing on development possibilities. 

Must Read: Streamlining Your SBFC Loan Payments: A Guide to SBFC Online Payment Convenience

Balance Sheet Of SBI With Ratio Analysis

Capital Adequacy Ratio (CAR):

  • CAR helps to calculate the capital of a bank about its risk-weighted assets which shows its capability of absorbing losses. 
  • SBI has always retained a CAR above regulatory provisions which demonstrates its vigorous capital status and stability to market stakes.

Asset Quality:

  • Metrics such as the non-performing assets (NPAs) ratio and provision coverage ratio (PCR) analyze the quality of the loan portfolio of SBI.
  • Although NPAs have created problems due to economic instabilities, the assertive provisioning procedures of SBI have confirmed sufficient coverage and risk mitigation.

Efficiency Ratios:

  • Efficiency ratios such as the return on assets (ROA) and return on equity (ROE) estimate the profitability and functional efficiency of SBI
  • Although there are competitive stresses and regulatory differences, SBI has retained wholesome profitability proportions which demonstrates its useful cost management and revenue generation techniques. 

Liquidity Ratios:

  • Liquidity ratios help to analyze the proficiency of SBI to fulfil short-term responsibilities without destroying its long-term viability.
  • The liquidity status of SBI has remained substantial. Prudent liquidity management and diversified funding authorities support it. 


To conclude, the study of SBI bank balance sheets from 2016 to 2023 shows the tale of strength, development and adaptability. You may download the SBI balance sheet PDF to make proper decisions. You may also check the SBI balance sheet 2016, SBI balance sheet 2017, SBI balance sheet 2018, SBI balance sheet 2022, and SBI balance sheet 2023 to know about the financial resilience of SBI bank. With the SBI life insurance balance sheet SBI keeps playing an important role in navigating financial growth in India.