V

PARTICULARS FY17 FY18 FY19 FY20 FY21

Interest Earned
Income from advances 1,195,100,030 1,960,118.54 2,226,853.67 2,374,311.18 2,540,512.96
Yield on Return 0.076068771894 1.01 1.02 1.02 1.09
Income from investments 482,053,054.00 1,183,794.24 1,119,247.77 1,228,284.28 1,277,415.65
Yield on Return 0.062932059985 1.12 1.16 1.17 1.22
Total 3,143,912.78 3,346,102.46 3,602,596.48 3,817,928.61

Interest Expended
Interest on deposits 10,559,875.22 2,706,343.29 2,911,386.01 3,241,620.73 3,371,285.56
cost on deposits 0.000516438098 1.00 1.00 1.00 1.04
Interest on borrowings 38,374,697 362,142.07 403,017.12 314,655.65 346,121.22
cost on borrowing 0.012079151093 1.00 1.00 1.00 1.10
Total 48,934,572.22 3,068,486.36 3,314,404.13 3,556,277.38 3,717,406.77
NII 2.45 2.49 2.59
Other Income 354,609,275 77,557.24 76,898.74 98,158.99 120,735.56
Growth -99.97812881798 -0.849050327 27.647071981
Operating Expenses 464,727,694 96,154.37 114,800.31 131,781.56 138,370.64
Growth -99.98 19.39 14.79
Provision and Contigencies 403,637,925 67,957.58 56,950.52 56,928.46 23,269.17
Profit before tax 948.48 -15.52824 1,607.48 25,062.76
Taxes 1,335.50 -8.98079 745.25 10,574.65
Profit after tax -387.02 -6.54745 862.23 14,488.11
Dividend Nil Nil Nil Nil
Dividend Tax 63.71 0 8.06

Balance to reserve 24,847.99 24,653.94 23,762.67

Share Capital 892.46 892.46 892.46

Reserves 218.236.10 220,021.36 231,114.97
Book Value 217.69 219.19 233.34
Book value/share 245.53 247.53 259.96

Multiple
Target

BA
PARTICULARS FY17 FY18 FY19 FY20 FY21
Advances 15,710,783,811 1,934,880.19 2,185,876.92 2,325,289.56 2,326,917.26
Growth Rate -1.00 0.13 0.06
Investments 7,659,896,309 1,060,986.72 967,021.95 1,046,954.52 1,047,016.29
Growth Rate -0.999861488109 -0.088563568 0.0826584857
Deposits 20,447,513,947 2,706,343.29 2,911,386.01 3,241,620.73 3,242,593.22
Growth Rate -1.00 0.08 0.11
SLR 3%
CRR 18%

Borrowings 3,176,936,583 362,142.07 403,017.12 314,655.65 314,970.31

Growth Rate -0.999886009034 0.1128702059 -0.219249917
NIIM 2.16 2.4 2.48

Face Value 1 1 1
No of shares
Dividend Payout Nil Nil Nil
 VALUATION SHEET OF STATE BANK OF INDIA
INCOME STATEMENT
ASSUMPTION

GROWTH RATE:0.6% YIELD OF RETURN:1.02%

7%
GROWTH RATE:9.30% YIELD OF RETURN:1.17%
4%

4%

10%

0.10%

23%

5%

BALANCE SHEET

0.07%

0.01%
0.03%

0.10%
PARTICULARS FY17 FY18 FY19 FY20
Interest Earned
Income from advances 1,603,922.10 11,857.14 13,983.87 15,933.04
Growth -99.26 17.94 13.94
Income from investments 1146117.86 5,113.15 5,043.42 5,278.82
Growth -99.55 -1.36 4.67
Total 16,871.03 19,045.23 21,225.80

Interest Expended 1089145.62 13,798.55 12,166.72 10,850.09

Growth -98.73308492945 -11.82609766968 -10.821569001341
Total 1089145.62 13,798.55 12,166.72 10,850.09
NII 6.77 6.85 6.91
Other Income 222239.54 2,405.84 1,882.89 3,312.46
Growth -98.91745636263 -21.73669071925 75.9242441141012
Operating Expenses 336345.68 3,668.40 4,020.37 4,420.84
Growth -98.91 9.59 9.96
Provision and Contigencies 224094.22 3,742.00 4,558.66 5,744.68
Profit before tax 176576.12 32,564 25,127 -6,445
Taxes 35284.92 34% 33% Nil
Profit after tax 141291.2 21,346 16,894 -372
Dividend -12,707 -11,408 -11,635
Dividend Tax 0 0 0 0

Share Capital 480.29 480.29 608.8

Reserves 17,968.13 18,908.40 21,480.47
Book Value 306.76 335.09 346.05
Book value/share 329.53 339.24 362.83

Multiple
Target

BALAN
PARTICULARS FY18 FY19 FY20
Advances 127,707.71 156,568.93 181,261.91 197,887.01
Investments 67,781.19 71,397.77 64,992.17 81,241.69

Deposits 182,480.04 208,294.22 242,075.95 260,225.90

SLR
CRR
Borrowings 19,760.17 12,137.54 20,830.31

NIIM 6.38 6.59 6.51

Face Value 10 10 10
No of shares
Dividend Payout 93% 50% Nil
 VALUATION SHEET OF INDIAN BANK
INCOME STATEMENT
FY21 ASSUMPTION

16,889.02 GROWTH RATE:0.13% YIELD ON RETURN:0.08%

6%
5,384.40 GROWTH RATE:0.04% YIELD ON RETURN:0.08%
2%
22,273.42

10,958.59
1%
10,958.59

5,068.06
53%
4,437.20
0.37%

BALANCE SHEET
FY21
218,222.09
73,244.67

287,092.20
 20,123.23

2.56

10

Nil