TABLE I

STATE BANK OF INDIA -FINANCIAL HIGHLIGHTS-2005-2009

FY 2006

FY2007

FY 2008

FY 2009

FY 2010

Rs. in Billion

FY2005

Deposits

3670.48 3800.46 4355.21

5374.05

7420.73 8041.16

Advances

2023.74 2618.01 3373.36

4168.95

5425.03 6319.14

Investments

1970.98 1625.34 1491.49

1895.01

2759.54 2857.90

Total Assets

4598.83 4940.29 5665.65

7215.26

9644.32 10534.13

489.50

637.88

709.94

Interest Income

324.28

359.80

Interest Expenses

184.83

203.90 234.37

319.29

429.15

473.22

Net Interest Income

139.45

155.89 160.54

170.21

208.73

236.71

Non-Interest Income

71.20

74.35 57.69

86.95

126.91

149.68

Total Operating
Income

210.65

230.24 218.23

257.16

335.64

386.40

Staff Expenses

69.07

81.23 79.33

77.86

97.47

127.55

Overhead Expenses

31.67

36.02 38.91

48.23

59.01

75.64

Total Operating
Expenses

100.74

117.25 118.24

126.09

156.49

203.18

Operating Profit

109.91

112.99 100.00

131.07

179.15

183.20

Total Provisions

66.86

68.93

63.78

87.94

91.55

Net Profit

43.05

44.07 45.41

67.29

91.21

91.66

394.91

54.59

TABLE II
STATE BANK OF INDIA -FINANCIAL HIGHLIGHTS-2005-2009 (IN US $)
FY2005

FY2006

FY2007 FY 2008

FY 2009

FY 2010

Deposits

83.91

85.18

100.19

133.95

146.31

179.09

Advances

46.26

58.68

77.60

103.88

106.96

140.74

Investments

45.06

36.43

34.31

47.23

54.41

63.65

Total Assets

105.13

110.73

130.33

179.84

190.15

234.61

Interest Income

7.41

8.06

9.08

12.20

12.58

15.81

Interest Expenses

4.23

4.57

5.39

7.96

8.46

10.54

Net Interest
Income

3.18

3.49

3.69

4.24

4.12

5.27

Non-Interest
Income

1.63

1.66

1.33

2.17

2.50

3.33

Total Operating
Income

4.81

5.15

5.02

6.41

6.62

8.60

Staff Expenses

1.58

1.82

1.82

1.94

1.92

2.84

Overhead Expenses

0.72

0.81

0.90

1.2

1.17

1.69

Total Operating
Expenses

2.30

2.63

2.72

3.14

3.09

4.53

Operating Profit

2.51

2.52

2.30

3.27

3.53

4.07

Total Provisions

1.53

1.54

1.26

1.59

1.73

2.03

Net Profit

0.98

0.98

1.04

1.68

1.80

2.04

TABLE III
STATE BANK OF INDIA
KEY FINANCIAL
INDICATORS (%)

FY2005

FY2006

FY2007

FY 2008

FY 2009

FY 2010

ROA

0.99

0.89

0.84

1.01

1.04

0.88

ROE

18.10

15.47

14.24

17.82

15.07

14.84

EPS(Rs.)

81.79

83.73

86.29

126.62

143.77

144.37

BVS(Rs.)

450

525

606

598

953

973

Dividend Payout Ratio

15.29

16.72

16.22

20.18

20.19

20.78

Cost/Income Ratio

47.83

58.70

54.18

49.03

46.62

52.59

12.45

11.88

12.34

13.54

12.97

12.00

14.25

13.39

Capital Adequacy Ratio

(Basel I)
(Basel II)
Cost of Deposits

5.11

4.77

4.79

5.59

6.30

5.80

Yield on Advances

7.68

7.78

8.67

9.90

10.15

9.66

7.94

7.10

6.88

6.92

7.10

6.52

Net Interest Margin

3.39

3.40

3.31

3.07

2.93

2.66

Gross NPA Ratio

5.96

3.61

2.92

3.04

2.86

3.05

Net NPA Ratio

2.65

1.88

1.56

1.78

1.79

1.72

57

49

47

42.17

38.42

44.36

56.98

59.23

59.23

Yield on Resources
Deployed

Provision Coverage
(Excl AUCA)
Including AUCA

TABLE IV
SUMMARY OF STATE BANK OF INDIAS BALANCE SHEET
MARCH MARCH
2008
2009

MARCH
2010

MARCH
2005

MARCH
2006

MARCH
2007

5.26

5.26

5.26

6.31

6.35

6.35

235.46

271.18

307.72

484.01

573.13

653.14

3670.48

3800.46

7420.73

8041.16

Borrowings

191.84

306.41

397.03

517.27

537.14

1030.12

Other Liabilities &

Provisions

495.79

556.98

600.42

833.62

1106.97

803.37

4598.83

4940.29

9644.32

10534.14

Cash & balances

with
Reserve Bank of
India

168.10

216.53

290.76

515.35

555.46

612.91

Balances with banks

and
money at call &
short notice

225.12

229.07

228.92

159.32

488.58

348.93

Investments

1970.98

1625.34

1491.49 1895.01

2759.54

2857.90

Advances

2023.74

2618.01

3373.36 4167.68

5425.03

6319.14

Fixed Assets

26.98

27.53

28.19

33.73

38.38

44.13

Other Assets

183.91

223.81

252.92

444.17

377.33

351.13

Total

4598.83

4940.29

5665.65 7215.26

9644.32

10534.14

Contingent
Liabilities

1593.97

2288.51

3065.90 8107.96

7237

5484.46

167.77

205.93

438.70

479.22

(Rs. in billion)

CAPITAL &
LIABILITIES
Capital
Reserves & Surplus
Deposits

Total

4355.21 5374.04

5665.65 7215.26

ASSETS

Bills for Collection

233.68

189.47

TABLE V
SUMMARY OF STATE BANK OF INDIAS BALANCE SHEET

MARCH
2005

MARCH
2006

MARCH
2007

Capital

0.12

0.12

0.12

Reserves & Surplus

5.38

6.08

7.08

83.94

85.18

100.19

4.39

6.87

9.13

11.33

12.48

13.81

105.13

110.73

130.33

Cash & balances with

Reserve Bank of India

3.84

4.85

6.69

Balances with banks

and
money at call & short
notice

5.15

5.13

5.27

Investments

45.06

36.43

34.31

Advances

46.26

58.68

77.60

Fixed Assets

0.62

0.62

0.65

Other Assets

4.20

5.02

5.82

105.13

110.73

130.33

36.44

51.30

70.53

3.83

4.62

5.38

(In US $ billion)

MARCH
2008

MARCH
2009

MARCH
2010

CAPITAL & LIABILITIES

Deposits
Borrowings
Other Liabilities &
Provisions
Total

0.16

0.13

0.14

12.06

11.30

14.55

133.95

146.31

179.09

12.89

16.57

22.94

20.78

15.84

17.89

179.84

190.15

234.61

12.85

10.95

13.65

3.97

9.63

7.77

47.23

54.41

63.65

103.88

106.96

140.74

0.84

0.76

0.98

11.07

7.44

7.82

179.84

190.15

234.61

202.09

142.69

122.15

4.72

8.65

10.67

ASSETS

Total
Contingent Liabilities
Bills for Collection

TABLE VI
STATE BANK OF INDIA MARKET RELATED RATIOS
MARKET RELATED RATIOS
Market Price (Rs)
(as on last day of the
year/quarter)

Price to Book Ratio (%)

Market Capitalization
(Rs in Billion)

Earning Per Share

( Rs)
P/E Ratio (%)

MAR 05

MAR 06

MAR 07

MAR 08

MAR 09

MAR 10

657

968

993

1599

1067

2079

1.44

1.84

1.64

2.67

1.12

2.14

345.75

509.48

522.56

1009.72

81.79

83.73

86.29

126.62

143.77

144.37

12.63

7.42

14.40

8.03

10.40

11.51

677.13 1319.92