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HOME   >  CORPORATE INFO > PROFIT & LOSS
Profit & Loss      
SBI Cards And Payment Services Ltd.
BSE Code 543066
ISIN Demat INE018E01016
Book Value 137.60
NSE Code SBICARD
Dividend Yield % 0.36
Market Cap 653907.64
P/E 29.58
EPS 23.23
Face Value 10  
(Rs. in Millions)
Particulars Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020
INCOME :          
Operating Income169680.00  136670.00  106770.00  92960.00  92760.00  
     Sale of Shares / Units          
     Interest income79270.00  61530.00  48660.00  49470.00  48410.00  
     Portfolio management services          
     Dividend income          
     Brokerages & commissions30.00  30.00  50.00  80.00  110.00  
     Processing fees and other charges83280.00  67700.00  53590.00  40420.00  40960.00  
     Other Operating Income7100.00  7400.00  4480.00  3000.00  3270.00  
Operating Income (Net)169680.00  136670.00  106770.00  92960.00  92760.00  
EXPENDITURE :          
Increase/Decrease in Stock          
Employee Cost5700.00  5620.00  4730.00  4920.00  4680.00  
     Salaries, Wages & Bonus5050.00  4950.00  4130.00  4270.00  4020.00  
     Workmen and Staff Welfare Expenses230.00  240.00  90.00  70.00  230.00  
     Other Employees Cost110.00  140.00  230.00  300.00  180.00  
Operating & Establishment Expenses35050.00  30330.00  22850.00  15290.00  16880.00  
     Depository Charges          
     Security Transaction tax          
     Software & Technical expenses4170.00  3670.00  3030.00  2240.00  2270.00  
     Commission, Brokerage & Discounts16420.00  13720.00  10230.00  6070.00  6570.00  
     Rent , Rates & Taxes1030.00  900.00  790.00  440.00  350.00  
     Repairs and Maintenance260.00  250.00  250.00  260.00  240.00  
     Insurance200.00  180.00  160.00  190.00  140.00  
     Electricity & Power40.00  40.00  50.00  40.00  50.00  
     Other Operating Expenses12930.00  11580.00  8350.00  6040.00  7250.00  
Administrations & Other Expenses32480.00  29400.00  23690.00  20750.00  20690.00  
     Printing and stationery470.00  560.00  220.00  480.00  440.00  
     Professional and legal fees2370.00  2210.00  1600.00  1330.00  1660.00  
     Advertisement & Sales Promotion25170.00  23190.00  18510.00  14800.00  15890.00  
     Other General Expenses4460.00  3440.00  3360.00  4140.00  2710.00  
Provisions and Contingencies34200.00  22720.00  29070.00  27710.00  20050.00  
     Provisions for contingencies          
     Provisions against NPAs          
     Bad debts /advances written off28810.00  18890.00  28110.00  21600.00  12260.00  
     Provision for doubtful debts          
     Losson disposal of fixed assets(net)0.00    10.00  0.00  0.00  
     Losson foreign exchange fluctuations30.00      30.00    
     Losson sale of non-trade current investments        10.00  
     Other Miscellaneous Expenses5360.00  3830.00  950.00  6080.00  7780.00  
Less: Expenses Capitalised          
Total Expenditure107420.00  88070.00  80340.00  68660.00  62300.00  
Operating Profit (Excl OI)62260.00  48590.00  26440.00  24300.00  30460.00  
Other Income5150.00  6190.00  11810.00  4170.00  4760.00  
     Other Interest Income170.00  30.00  10.00  40.00  40.00  
     Other Commission          
     Discounts          
     Profit on sale of Fixed Assets  0.00        
     Income from investments  0.00  0.00  0.00  10.00  
     Provision Written Back0.00  0.00  6650.00  90.00  1640.00  
     Others4980.00  6150.00  5130.00  4040.00  3080.00  
Operating Profit67410.00  54780.00  38240.00  28470.00  35220.00  
Interest33130.00  22840.00  15030.00  14000.00  16890.00  
     Loans20430.00  10360.00  5100.00  4750.00  5610.00  
     Deposits          
     Bonds / Debentures5120.00  5810.00  4930.00  4880.00  6610.00  
     Other Interest7580.00  6670.00  5000.00  4370.00  4660.00  
Depreciation1970.00  1640.00  1490.00  1230.00  1040.00  
Profit Before Taxation & Exceptional Items32320.00  30310.00  21720.00  13240.00  17300.00  
Exceptional Income / Expenses          
Profit Before Tax32320.00  30310.00  21720.00  13240.00  17300.00  
Profit After Tax24080.00  22580.00  16160.00  9850.00  12450.00  
Extra items0.00  0.00  0.00  0.00  0.00  
Minority Interest          
Share of Associate          
Appropriations84500.00  67400.00  50350.00  37040.00  29710.00  
     General Reserve          
     Proposed Equity Dividend          
     Corporate dividend tax          
     Other Appropriation84500.00  67400.00  50350.00  37040.00  29710.00  
Equity Dividend %25.00  25.00  25.00    10.00  
Earnings Per Share25.00  24.00  17.00  10.00  13.00  
Adjusted EPS25.00  24.00  17.00  10.00  13.00  
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