State Bank of India

Comparison of Performance (Abridged Profit and Loss A/c) - FY 11-12

Interest on Advances
Int on Resources Operations
Others Sundry Interest
Total Interest Income
Interest on Deposits
Interest on Borrowings
Others Sundry Interest
Total Interest Expenses
Net Interest Income
Commission, Exc. Brokerage
Profit on Sale / Rev of Investments
Forex Income
Dividend
Income From Leasing
Others Other Income
Total Non-Interest Income
Total Operating Income
Payment to Employees
Contribution for Employees
Total Staff Expenses
Rent, Taxes, Lighting
Depreciation on Property
Others
Total Overhead Expenses
Total Operating Expenses
Operating Profit
Income Tax Provisions
Loan Loss Provisions
Investment Depreciation
Standard Assets Provision
Other Provisions
Total Provisions
Net Profit

9M
43719.44
14757.18
1196.39
59673.01
31291.86
1655.23
2257.57
35204.66
24468.35
7832.05
586.29
1219.50
664.95
0.97
705.35
11009.11
35477.46
7620.98
3129.50
10750.48
1291.20
659.09
3520.84
5471.12
16221.60
19255.86
4787.86
5528.18
342.26
345.49
8.43
11012.22
8243.64

Return on Average Assets

Return on Equity
Capital Adequacy Ratio (Basel I)
Tier I Capital Adequacy Ratio
Capital Adequacy Ratio (Basel II)
Tier I Capital Adequacy Ratio
Earning per Share (Annualised in Rs.)
Cost of Deposits
Yield on Advances
Yield on Res.Dep

0.96
14.94
10.99
7.73
12.11
8.52
173.10
5.20
9.58
6.95

Net Interest Margin

Cost to Income Ratio
Non-Interest Income / Op. Inc.
Gross NPA Ratio
Net NPA Ratio
Gross NPAs
Net NPAs
Provision Cover (Excl AUCA)
Provision Cover (Incl. AUCA)
Deposits
Gross Advances
Net Advances

3.40
45.72
31.03
3.17
1.61
23438
11695
50.10%
64.07%
878979
739971
726649

2010-11
Q4
16256.57
5304.86
159.93
21721.36
11942.89
906.51
813.90
13663.30
8058.06
3731.22
334.73
244.55
162.78
0.91
341.28
4815.48
12873.54
3560.64
900.50
4461.14
503.29
331.41
1498.00
2332.69
6793.83
6079.71
1901.85
3263.91
304.49
631.11
-42.53
6058.83
20.88

FY
59976.01
20062.03
1356.33
81394.36
43234.75
2561.74
3071.46
48867.96
32526.41
11563.27
921.02
1464.05
827.73
1.89
1046.63
15824.59
48351.00
11181.62
4030.00
15211.62
1794.49
990.50
5018.83
7803.81
23015.43
25335.57
6689.71
8792.09
646.75
976.60
-34.10
17071.05
8264.52

Q1
18256.35
5580.05
361.04
24197.44
12756.48
845.93
895.50
14497.91
9699.53
2632.92
168.88
331.22
227.75
0.07
173.38
3534.23
13233.76
2964.14
753.23
3717.37
453.10
199.86
1620.99
2273.95
5991.32
7242.44
1501.99
2781.66
1047.94
288.28
39.02
5658.89
1583.55

Q2
19788.89
5892.74
345.26
26026.89
13816.61
819.52
909.04
15545.16
10481.73
2600.32
28.08
480.63
24.22
0.00
234.18
3367.44
13849.17
3484.89
859.50
4344.39
528.60
240.40
1261.48
2030.47
6374.86
7474.30
1278.38
2921.22
458.26
120.92
-114.91
4663.88
2810.43

H1
38045.23
11472.80
706.30
50224.32
26573.09
1665.44
1804.53
30043.07
20181.26
5233.25
196.96
811.85
251.98
0.07
407.57
6901.67
27082.93
6449.03
1612.73
8061.76
981.70
440.26
2882.46
4304.43
12366.18
14716.75
2780.37
5702.89
1506.20
409.20
-75.89
10322.77
4393.98

Financial Ratios (In Percentages) / Rs. In Crore

2011-12
Q3
20891.36
6520.30
302.69
27714.35
14249.67
1030.39
915.49
16195.55
11518.80
2641.53
-1090.36
285.52
0.00
0.03
236.31
2073.02
13591.82
3358.53
804.75
4163.28
508.42
266.49
1393.62
2168.53
6331.81
7260.01
1589.54
3006.11
-869.86
194.75
76.44
3996.97
3263.04

9M
58936.60
17993.09
1008.98
77938.68
40822.76
2695.83
2720.02
46238.62
31700.06
7874.78
-893.41
1097.37
251.98
0.10
643.87
8974.69
40674.75
9807.56
2417.48
12225.04
1490.12
706.75
4276.09
6472.96
18697.99
21976.76
4369.91
8709.00
636.34
603.94
0.55
14319.74
7657.02

Q4
FY 12
22141.10 81077.70
6306.52 24299.61
135.16
1144.14
28582.78 106521.45
14821.61 55644.37
1189.81
3885.64
980.33
3700.36
16991.75 63230.37
11591.03 43291.08
4216.12 12090.90
-26.34
-919.74
334.82
1432.19
515.38
767.35
0.00
0.10
336.77
980.64
5376.75 14351.45
16967.78 57642.53
3695.69 13503.25
1053.31
3470.79
4749.00 16974.04
575.29
2065.41
300.42
1007.17
1746.29
6022.37
2622.00
9094.95
7371.00 26068.99
9596.78 31573.54
2406.11
6776.02
2836.85 11545.85
27.36
663.70
374.87
978.81
-98.68
-98.14
5546.51 19866.25
4050.27 11707.29

0.71
12.84
10.69
6.93
11.98
7.77
130.16
5.26
9.56
7.02

0.50
9.60
10.56
6.91
11.60
7.60
99.75
5.66
10.43
7.21

0.69
12.78
10.31
6.75
11.40
7.47
138.39
5.83
10.78
7.33

0.79
14.17
10.19
6.66
11.60
7.59
160.78
5.90
10.93
7.53

0.88
14.36
12.05
8.50
13.86
9.79
184.31
5.95
11.05
7.51

3.32
47.60
32.73
3.28
1.63
25326
12347
51.25%
64.95%
933933
771802
756719

3.62
45.27
26.71
3.52
1.61
27768
12435
55.22%
67.25%
950072
788153
770891

3.71
45.66
25.48
4.19
2.04
33946
16120
52.51%
63.50%
973171
810612
790601

3.84
45.97
22.06
4.61
2.22
40098
18803
53.11%
62.52%
1000965
869393
846266

3.85
45.23
24.90
4.44
1.82
39676
15819
60.13%
68.10%
1043647
893613
867579

Growth Q4FY 12
Growth Q4FY 12 Growth FY12 Over
Over Q3FY12
Over Q4FY11
FY11
Amount
%
Amount
%
Amount
%
1249.74
5.98 5884.53 36.20 21101.69
35.18
-213.78
-3.28 1001.66 18.88
4237.58
21.12
-167.53
-55.35
-24.77 -15.49
-212.18
-15.64
868.42
3.13 6861.42 31.59 25127.09
30.87
571.93
4.01 2878.71 24.10 12409.61
28.70
159.42
15.47
283.30 31.25
1323.91
51.68
64.85
7.08
166.44 20.45
628.89
20.48
796.20
4.92 3328.45 24.36 14362.41
29.39
72.23
0.63 3532.97 43.84 10764.68
33.10
1574.60
59.61
484.90 13.00
527.63
4.56
1064.03
97.58
-361.07 -107.87
-1840.77 -199.86
49.30
17.27
90.27 36.91
-31.85
-2.18
515.38 #DIV/0!
352.60 216.61
-60.38
-7.29
-0.03
-105.80
-0.92 -100.17
-1.79
-94.87
100.46
42.51
-4.51
-1.32
-65.99
-6.30
3303.73
159.37
561.27 11.66
-1473.15
-9.31
3375.96
24.84 4094.24 31.80
9291.53
19.22
337.16
10.04
135.06
3.79
2321.63
20.76
248.56
30.89
152.81 16.97
-559.21
-13.88
585.72
14.07
287.87
6.45
1762.42
11.59
66.87
13.15
72.00 14.30
270.92
15.10
33.93
12.73
-30.99
-9.35
16.67
1.68
352.67
25.31
248.29 16.57
1003.54
20.00
453.46
20.91
289.30 12.40
1291.14
16.54
1039.19
16.41
577.17
8.50
3053.56
13.27
2336.77
32.19 3517.07 57.85
6237.97
24.62
816.57
51.37
504.26 26.51
86.31
1.29
-169.26
-5.63
-427.06 -13.08
2753.76
31.32
897.23
103.15
-277.13 -91.01
16.95
2.62
180.12
92.49
-256.24 -40.60
2.21
0.23
-175.12
-229.10
-56.15 -132.03
-64.04 -187.79
1549.54
38.77
-512.31
-8.46
2795.20
16.37
787.23
24.13 4029.39 ######
3442.77
41.66