State Bank of India

Comparison of Performance (Abridged Profit and Loss A/c) - FY 10-11

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

2008-09
FY 09
46404.71
16973.73
409.99
63788.43
37936.85
2555.01
2423.44
42915.29
20873.14
7617.24
2567.29
1179.25
409.60
26.67
890.75
12690.79
33563.93
8213.31
1534.00
9747.31
1295.14
763.14
3843.11
5901.39
15648.70
17915.23
5059.42
2474.97
707.17
234.82
317.61
8793.99
9121.24

Q1
12357.12
4987.62
128.02
17472.76
11435.78
330.27
681.82
12447.88
5024.89
1862.04
708.83
470.38
358.14
7.34
162.02
3568.75
8593.63
2964.20
447.09
3411.29
371.77
158.52
978.18
1508.47
4919.76
3673.87
1170.77
1344.16
-1200.54
14.00
15.11
1343.51
2330.37

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
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

1.04
15.07
12.97
8.53
14.25
9.38
143.77
6.30
10.15
7.10
2.93
46.62
37.81
2.86
1.79
15714
9677
38.42%
56.98%
742073
548540
542503

0.92
15.88
13.11
8.99
14.12
9.69
146.82
6.16
10.01
6.50
2.30
57.25
41.53
2.79
1.55
15318
8402
45.15%
62.16%
763563
549793
542408

Q2
12668.83
4916.60
190.45
17775.88
11156.04
310.30
700.73
12167.06
5608.82
2103.03
545.36
523.70
168.24
6.44
178.39
3525.16
9133.98
2360.21
273.91
2634.12
390.63
207.77
1066.44
1664.83
4298.96
4835.02
1328.91
1102.29
-49.37
-8.66
-28.17
2344.99
2490.03

2009-10
H1
9M
25025.95 37665.32
9904.22 14578.23
318.47
784.78
35248.64 53028.33
22591.82 33037.23
640.57
939.91
1382.55
2101.19
24614.94 36078.33
10633.70 16949.99
3965.07
6155.06
1254.19
1691.20
994.09
1397.66
526.37
526.37
13.78
14.02
340.41
675.32
7093.91 10459.62
17727.61 27409.61
5324.41
7861.99
721.00
1300.90
6045.41
9162.89
762.40
1155.61
366.28
585.35
2044.61
3378.74
3173.30
5119.70
9218.72 14282.59
8508.89 13127.03
2499.68
3782.16
2446.45
2961.08
-1249.91 -1004.16
5.34
7.60
-13.06
80.90
3688.50
5827.58
4820.39
7299.45

Q4
12967.32
4669.99
328.28
17965.59
10297.05
288.14
658.95
11244.14
6721.45
3485.80
425.59
189.48
47.11
-4.83
365.38
4508.53
11229.98
2826.61
765.15
3591.76
433.96
347.31
1663.06
2444.33
6036.09
5193.88
977.88
2186.76
35.56
72.46
54.62
3327.29
1866.60

FY
50632.64
19248.22
1113.06
70993.92
43334.29
1228.05
2760.14
47322.48
23671.44
9640.86
2116.79
1587.14
573.48
9.19
1040.70
14968.15
38639.59
10688.60
2066.05
12754.65
1589.57
932.66
5041.80
7564.03
20318.68
18320.91
4760.04
5147.84
-968.60
80.06
135.52
9154.87
9166.05

Q1
13422.09
4610.09
419.95
18452.13
10080.29
357.23
710.88
11148.40
7303.73
2409.61
173.40
502.50
377.21
0.89
226.34
3689.96
10993.68
1450.68
1623.25
3073.93
387.76
197.21
1200.42
1785.39
4859.32
6134.36
1668.79
1733.38
-298.31
105.93
10.37
3220.16
2914.20

Q2
14580.78
4886.25
341.06
19808.09
10429.57
508.82
754.83
11693.22
8114.87
2945.03
192.66
308.67
287.74
0.00
271.12
4005.21
12120.08
2854.52
821.25
3675.77
467.18
217.67
1402.45
2087.30
5763.07
6357.02
1234.17
2162.48
431.80
14.56
12.63
3855.65
2501.37

2010-11
H1
9M
28002.87
43719.44
9496.34
14757.18
761.00
1196.39
38260.22
59673.01
20509.87
31291.86
866.04
1655.23
1465.71
2257.57
22841.62
35204.66
15418.59
24468.35
5354.64
7832.05
366.06
586.29
811.17
1219.50
664.95
664.95
0.89
0.97
497.46
705.35
7695.17
11009.11
23113.77
35477.46
4305.20
7131.86
2444.50
3129.50
6749.70
10261.36
854.94
1291.20
414.88
659.09
2602.87
4009.96
3872.69
5960.25
10622.39
16221.60
12491.38
19255.86
2902.96
4787.86
3895.86
5528.18
133.49
342.26
120.50
345.49
23.00
8.43
7075.80
11012.22
5415.57
8243.64

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
3318.31
900.50
4218.81
503.29
331.41
1740.32
2575.02
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
10450.17
4030.00
14480.17
1794.49
990.50
5750.28
8535.26
23015.43
25335.57
6689.71
8792.09
646.75
976.60
-34.10
17071.05
8264.52

Financial Ratios (In Percentages) / Rs. In Crore

0.95
15.75
12.47
8.69
14.11
9.84
151.85
6.06
9.95
6.54
2.43
52.00
40.02
2.99
1.73
17376
9927
42.87%
59.14%
772904
580237
572214

0.94
15.29
12.32
8.67
13.77
9.70
153.30
5.92
9.80
6.50
2.56
52.11
38.16
3.11
1.88
18861
11271
40.24%
56.19%
770985
607154
598918

0.88
14.04
12.00
8.46
13.39
9.45
144.37
5.80
9.66
6.52
2.66
52.59
38.74
3.05
1.72
19535
10870
44.36%
59.23%
804116
641480
631914

1.07
17.09
12.17
8.79
13.54
9.79
183.61
5.27
9.30
6.79
3.18
44.20
33.56
3.14
1.70
20825
11074
46.82%
60.70%
815297
663828
653220

0.97
15.32
12.05
8.77
13.20
9.62
170.57
5.25
9.50
6.89
3.30
45.96
33.29
3.35
1.70
23205
11601
50.00%
62.78%
855345
693224
680749

0.96
14.94
11.95
8.69
13.16
9.57
173.10
5.20
9.58
6.95
3.40
45.72
31.03
3.17
1.61
23438
11695
50.10%
64.07%
878979
739971
726649

0.71
12.84
10.69
6.93
11.98
7.77
130.16
5.26
9.56
7.02
3.32
47.60
32.73
3.28
1.63
25326
12347
51.25%
64.95%
933933
771802
756719

Growth Q4FY 11
Growth FY 11 Over
Growth Q4FY11
Over Q4FY10
FY10
Over Q3FY11
Amount
%
Amount
%
Amount
%
3289.24
25.37
9343.37
18.45
540.00
3.44
634.87
13.59
813.81
4.23
44.02
0.84
-168.35
-51.28
243.27
21.86
-275.46
-63.27
3755.77
20.91 10400.45
14.65
308.57
1.44
1645.84
15.98
-99.53
-0.23
1160.90
10.77
618.37
214.61
1333.69
108.60
117.33
14.87
154.94
23.51
311.32
11.28
22.04
2.78
2419.16
21.51
1545.48
3.27
1300.27
10.52
1336.61
19.89
8854.97
37.41
-991.70
-10.96
245.42
7.04
1922.42
19.94
1253.81
50.61
-90.86
-21.35
-1195.77
-56.49
114.50
51.99
55.07
29.06
-123.09
-7.76
-163.78
-40.11
115.67
245.52
254.25
44.33
162.78 #DIV/0!
5.75
118.92
-7.30
-79.46
0.83 1023.46
-24.09
-6.59
5.93
0.57
133.39
64.17
306.95
6.81
856.44
5.72
1501.54
45.31
1643.56
14.64
9711.41
25.13
509.84
4.12
491.70
17.40
-238.43
-2.23
491.66
17.39
135.35
17.69
1963.95
95.06
215.50
31.46
627.05
17.46
1725.52
13.53
707.16
20.14
69.33
15.98
204.91
12.89
67.04
15.37
-15.91
-4.58
57.83
6.20
87.19
35.70
77.26
4.65
708.49
14.05
333.23
23.68
130.68
5.35
971.23
12.84
487.46
23.35
757.74
12.55
2696.75
13.27
1194.62
21.34
885.82
17.06
7014.66
38.29
-684.77
-10.12
923.97
94.49
1929.67
40.54
16.95
0.90
1077.15
49.26
3644.25
70.79
1631.59
99.96
268.93
756.17
1615.35
166.77
95.72
45.85
558.65
771.01
896.54 1119.87
406.12
180.50
-97.15 -177.87
-169.62 -125.16
-27.96
191.92
2731.54
82.10
7916.18
86.47
2122.41
53.92
-1845.72
-98.88
-901.53
-9.84
-2807.19
-99.26