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State Bank of India (SBIN IN) - By Measure

In Millions of INR except Per Share FY 2012 FY 2013 FY 2014


12 Months Ending 03/31/2012 03/31/2013 03/31/2014
Revenue 1,770,328.2 100.0% 2,005,598.3 100.0% 2,269,445.6 100.0%
Treasury 319,238.9 18.0% 337,223.1 16.9% 424,182.9 18.7%
Corporate/ Wholesale Banking 560,170.5 31.6% 656,880.6 32.8% 733,003.0 32.4%
Insurance Business 139,322.7 7.9% 152,646.5 7.6% 180,661.5 8.0%
Retail Banking 725,935.6 41.0% 826,131.1 41.3% 893,296.2 39.4%
Other Banking Operations 25,660.5 1.4% 27,988.9 1.4% 33,882.2 1.5%
Unallocated — 4,728.1 4,419.8
Intersegment Revenue — — —
Segment Profit 288,628.1 100.0% 258,818.1 100.0% 213,255.4 100.0%
Retail Banking 185,984.0 64.4% 141,618.6 47.3% 180,074.7 70.7%
Treasury -4,788.8 -1.7% 39,091.0 13.0% 8,475.4 3.3%
Insurance Business 5,281.4 1.8% 5,601.5 1.9% 7,184.3 2.8%
Other Banking Operations 8,790.9 3.0% 9,000.9 3.0% 9,487.9 3.7%
Unallocated — -40,897.0 -41,425.2
Corporate/ Wholesale Banking 93,360.6 32.3% 104,403.1 34.8% 49,458.3 19.4%
Assets 18,299,561.7 100.0% 21,331,085.7 100.0% 23,959,816.1 100.0%
Retail Banking 7,202,443.8 39.7% 7,527,004.8 35.6% 8,128,638.5 34.2%
Treasury 4,555,095.0 25.1% 4,786,982.1 22.7% 5,451,056.1 22.9%
Corporate/ Wholesale Banking 5,789,133.5 31.9% 8,164,056.9 38.6% 9,448,515.2 39.8%
Insurance Business 489,674.7 2.7% 549,331.5 2.6% 624,519.9 2.6%
Unallocated 172,634.6 198,971.7 197,329.6
Other Banking Operations 90,580.1 0.5% 104,738.7 0.5% 109,756.8 0.5%
Reconciliation — — —
Liabilities 17,200,004.9 100.0% 20,038,216.9 100.0% 22,437,019.2 100.0%
Retail Banking 8,490,913.9 51.0% 9,453,496.0 48.6% 10,337,715.3 47.4%
Corporate/ Wholesale Banking 5,069,274.5 30.4% 6,692,885.0 34.4% 8,161,727.8 37.4%
Treasury 2,569,213.8 15.4% 2,720,608.0 14.0% 2,645,561.1 12.1%
Insurance Business 463,122.1 2.8% 518,453.9 2.7% 585,926.0 2.7%
Unallocated 583,159.8 623,728.5 682,782.8
Other Banking Operations 61,577.5 0.4% 71,583.9 0.4% 72,397.8 0.3%
Reconciliation -37,256.7 -42,538.4 -49,091.6
Capital Employed 1,062,300.1 100.0% 1,250,330.2 100.0% 1,473,705.3 100.0%
Others 29,002.6 2.0% 33,154.8 2.0% 37,359.0 1.9%
Unallocated -410,525.2 -425,254.5 -485,453.2
Insurance 26,552.6 1.8% 30,877.6 1.8% 38,593.9 2.0%
Treasury 1,985,881.2 134.8% 2,066,871.8 123.4% 2,805,495.0 143.2%
Corporate/ Wholesale Banking 719,859.0 48.9% 1,471,171.9 87.8% 1,286,787.4 65.7%
Retail Banking -1,288,470.1 -87.5% -1,926,491.4 ### -2,209,076.8 ###
Source: Bloomberg
FY 2015 FY 2016 FY 2017 FY 2018
03/31/2015 03/31/2016 03/31/2017 03/31/2018
2,572,895.1 100.0% 2,734,611.3 100.0% 2,986,404.5 100.0% 2,014,913.1 100.0%
514,268.2 20.1% 619,128.3 22.4% 785,254.3 25.9% 821,638.7 40.8%
852,309.4 33.3% 891,341.1 32.2% 836,941.2 27.6% 643,654.5 32.0%
244,768.8 9.6% 214,601.2 7.7% 280,477.2 9.3% 340,882.2 16.9%
907,810.4 35.5% 995,505.0 35.9% 1,064,133.5 35.1% 119,636.1 5.9%
41,441.1 1.6% 48,698.8 1.8% 61,747.3 2.0% 86,376.7 4.3%
12,297.2 18,006.2 24,192.7 25,710.2
— -52,669.3 -66,341.7 -22,985.3
258,545.7 100.0% 181,767.8 100.0% 9,448.3 100.0% -122,449.1
183,555.1 62.4% 209,363.7 99.5% 151,567.6 420.0% 194,642.5 ###
68,908.6 23.4% 90,716.9 43.1% 145,593.3 403.4% 50,193.8 -48.6%
8,433.9 2.9% 9,325.5 4.4% 13,087.1 36.3% 18,322.8 -17.8%
13,619.1 4.6% 13,752.1 6.5% 17,175.8 47.6% 16,802.3 -16.3%
-35,429.7 -28,675.1 -26,640.8 -19,243.4
19,458.7 6.6% -112,715.3 -53.6% -291,334.7 ### -383,167.1 371.3%
27,001,100.2 100.0% 30,734,831.5 100.0% 34,451,215.6 100.0% 36,164,330.0 100.0%
9,315,439.2 34.8% 10,546,720.1 34.6% 11,332,200.8 33.2% 13,199,337.6 36.8%
6,214,157.2 23.2% 7,537,795.9 24.8% 10,077,258.7 29.5% 10,859,099.2 30.3%
10,355,303.2 38.7% 11,313,349.3 37.2% 11,515,264.3 33.7% 10,245,064.7 28.6%
769,484.7 2.9% 870,734.4 2.9% 1,063,181.8 3.1% 1,270,990.9 3.5%
212,030.6 293,244.8 282,208.4 314,348.7
134,685.3 0.5% 172,987.0 0.6% 181,101.6 0.5% 275,488.9 0.8%
0.0 0.0 0.0 0.0
25,332,253.6 100.0% 28,866,233.8 100.0% 32,214,487.7 100.0% 33,814,958.1 100.0%
10,599,095.2 43.0% 11,823,746.3 42.0% 12,144,924.6 38.7% 13,114,883.6 39.4%
9,584,906.4 38.9% 10,741,727.6 38.2% 11,033,418.5 35.1% 10,635,204.1 32.0%
3,669,546.3 14.9% 4,619,372.2 16.4% 7,094,530.2 22.6% 8,100,440.2 24.4%
720,729.1 2.9% 816,028.6 2.9% 996,461.3 3.2% 1,190,970.1 3.6%
721,845.5 803,301.9 884,706.1 608,250.1
91,102.3 0.4% 124,731.2 0.4% 125,253.4 0.4% 211,362.4 0.6%
-54,971.2 -62,674.0 -64,806.4 -46,152.4
1,613,875.4 100.0% — — —
43,583.0 2.1% — — —
-509,814.9 — — —
48,755.6 2.3% — — —
2,544,610.9 119.8% — — —
770,396.8 36.3% — — —
-1,283,656.0 -60.4% — — —
State Bank of India (SBIN IN) - By Geography
In Millions of INR except Per Share FY 2012 FY 2013 FY 2014
12 Months Ending 03/31/2012 03/31/2013 03/31/2014
Revenue 1,770,328.2 100.0% 2,005,598.3 100.0% 2,269,445.6 100.0%
Domestic 1,693,258.5 95.6% 1,912,338.2 95.4% 2,169,752.7 95.6%
Foreign 77,069.7 4.4% 93,260.1 4.6% 99,692.9 4.4%
Operating Income — — —
Foreign — — —
Domestic — — —
Segment Profit 288,628.1 100.0% 299,715.1 100.0% 254,680.6 100.0%
Foreign 30,837.4 10.7% 34,860.1 11.6% 33,320.2 13.1%
Domestic 257,790.7 89.3% 264,855.0 88.4% 221,360.4 86.9%
Assets 18,299,561.7 100.0% 21,331,085.7 100.0% 23,959,816.1 100.0%
Domestic 16,315,958.1 89.2% 18,861,246.8 88.4% 21,086,073.2 88.0%
Foreign 1,983,603.6 10.8% 2,469,838.9 11.6% 2,873,742.9 12.0%
Reconciliation — — —
Liabilities 17,200,004.9 100.0% 20,038,216.9 100.0% 22,437,019.2 100.0%
Domestic 15,279,117.7 88.6% 17,638,882.5 87.8% 19,646,016.9 87.4%
Foreign 1,958,143.9 11.4% 2,441,873.0 12.2% 2,840,093.9 12.6%
Reconciliation -37,256.7 -42,538.6 -49,091.6
Source: Bloomberg
FY 2015 FY 2016 FY 2017 FY 2018
03/31/2015 03/31/2016 03/31/2017 03/31/2018
2,572,895.1 100.0% 2,734,611.3 100.0% 2,986,404.5 100.0% 3,014,913.1 100.0%
2,466,890.0 95.9% 2,605,554.3 95.3% 2,866,630.5 96.0% 2,886,593.8 95.7%
106,005.1 4.1% 129,057.0 4.7% 119,774.0 4.0% 128,319.3 4.3%
2,572,895.1 100.0% — — —
106,005.1 4.1% — — —
2,466,890.0 95.9% — — —
293,975.4 100.0% — — —
45,429.5 15.5% — — —
248,545.9 84.5% — — —
27,001,100.2 100.0% 30,734,831.5 100.0% 34,451,215.6 100.0% 36,164,330.0 100.0%
23,786,617.1 88.1% 27,218,889.0 88.6% 30,594,678.6 88.8% 32,041,964.2 88.6%
3,214,483.1 11.9% 3,515,942.5 11.4% 3,856,537.0 11.2% 4,122,365.8 11.4%
— 0.0 0.0 0.0
25,387,224.8 100.0% 28,866,233.8 100.0% 32,214,487.7 100.0% 33,814,958.1 100.0%
22,206,500.2 87.5% 25,452,661.2 88.0% 28,463,686.9 88.2% 29,782,684.2 88.0%
3,180,724.6 12.5% 3,476,246.6 12.0% 3,815,607.2 11.8% 4,078,426.3 12.0%
— -62,674.0 -64,806.4 -46,152.4
State Bank of India (SBIN IN) - By Segment
In Millions of INR except Per Share FY 2012 FY 2013 FY 2014 FY 2015
12 Months Ending 03/31/2012 03/31/2013 03/31/2014 03/31/2015
Retail Banking
Revenue 725,935.6 826,131.1 893,296.2 907,810.4
Assets 7,202,443.8 7,527,004.8 8,128,638.5 9,315,439.2
Liabilities 8,490,913.9 9,453,496.0 10,337,715.3 10,599,095.2
Segment Profit 185,984.0 141,618.6 180,074.7 183,555.1
Capital Employed -1,288,470.1 -1,926,491.4 -2,209,076.8 -1,283,656.0
Corporate/ Wholesale Banking
Revenue 560,170.5 656,880.6 733,003.0 852,309.4
Assets 5,789,133.5 8,164,056.9 9,448,515.2 10,355,303.2
Liabilities 5,069,274.5 6,692,885.0 8,161,727.8 9,584,906.4
Segment Profit 93,360.6 104,403.1 49,458.3 19,458.7
Capital Employed 719,859.0 1,471,171.9 1,286,787.4 770,396.8
Treasury
Revenue 319,238.9 337,223.1 424,182.9 514,268.2
Assets 4,555,095.0 4,786,982.1 5,451,056.1 6,214,157.2
Liabilities 2,569,213.8 2,720,608.0 2,645,561.1 3,669,546.3
Segment Profit -4,788.8 39,091.0 8,475.4 68,908.6
Capital Employed 1,985,881.2 2,066,871.8 2,805,495.0 2,544,610.9
Insurance Business
Revenue 139,322.7 152,646.5 180,661.5 244,768.8
Assets 489,674.7 549,331.5 624,519.9 769,484.7
Liabilities 463,122.1 518,453.9 585,926.0 720,729.1
Segment Profit 5,281.4 5,601.5 7,184.3 8,433.9
Capital Employed 26,552.6 30,877.6 38,593.9 48,755.6
Other Banking Operations
Revenue 25,660.5 27,988.9 33,882.2 41,441.1
Assets 90,580.1 104,738.7 109,756.8 134,685.3
Liabilities 61,577.5 71,583.9 72,397.8 91,102.3
Segment Profit 8,790.9 9,000.9 9,487.9 13,619.1
Intersegment Revenue
Revenue — — — —
Assets 172,634.6 198,971.7 197,329.6 212,030.6
Liabilities 583,159.8 623,728.5 682,782.8 721,845.5
Segment Profit — -40,897.0 -41,425.2 -35,429.7
Capital Employed -410,525.2 -425,254.5 -485,453.2 -509,814.9
Unallocated
Revenue — 4,728.1 4,419.8 12,297.2
Reconciliation
Assets — — — 0.0
Liabilities -37,256.7 -42,538.4 -49,091.6 -54,971.2
Others
Capital Employed 29,002.6 33,154.8 37,359.0 43,583.0
Source: Bloomberg
FY 2016 FY 2017 FY 2018
03/31/2016 03/31/2017 03/31/2018

995,505.0 1,064,133.5 119,636.1


10,546,720.1 11,332,200.8 13,199,337.6
11,823,746.3 12,144,924.6 13,114,883.6
209,363.7 151,567.6 194,642.5
— — —

891,341.1 836,941.2 643,654.5


11,313,349.3 11,515,264.3 10,245,064.7
10,741,727.6 11,033,418.5 10,635,204.1
-112,715.3 -291,334.7 -383,167.1
— — —

619,128.3 785,254.3 821,638.7


7,537,795.9 10,077,258.7 10,859,099.2
4,619,372.2 7,094,530.2 8,100,440.2
90,716.9 145,593.3 50,193.8
— — —

214,601.2 280,477.2 340,882.2


870,734.4 1,063,181.8 1,270,990.9
816,028.6 996,461.3 1,190,970.1
9,325.5 13,087.1 18,322.8
— — —

48,698.8 61,747.3 86,376.7


172,987.0 181,101.6 275,488.9
124,731.2 125,253.4 211,362.4
13,752.1 17,175.8 16,802.3

-52,669.3 -66,341.7 -22,985.3


293,244.8 282,208.4 314,348.7
803,301.9 884,706.1 608,250.1
-28,675.1 -26,640.8 -19,243.4
— — —

18,006.2 24,192.7 25,710.2

0.0 0.0 0.0


-62,674.0 -64,806.4 -46,152.4
— — —