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TABLE I
STATE BANK OF INDIA -FINANCIAL HIGHLIGHTS-2005-2009
Rs. in Billion

FY2005

FY 2006

Deposits

3670.48

3800.46 4355.21 5374.05 7420.73

Advances

2023.74

2618.01 3373.36 4168.95 5425.03

Investments

1970.98

1625.34 1491.49 1895.01 2759.54

Total Assets

4598.83

4940.29 5665.65 7215.26 9644.32

Interest Income

324.28

359.80

Interest
Expenses

184.83

FY2007

394.91

FY 2008 FY 2009

489.50

637.88

203.90 234.37

319.29

429.15

170.21

208.73

86.95

126.91

257.16

335.64

Net Interest
Income

139.45

155.89 160.54

Non-Interest
Income

71.20

74.35 57.69

Total Operating
Income

210.65

230.24 218.23

Staff Expenses

69.07

81.23 79.33

77.86

97.47

Overhead
Expenses

31.67

36.02 38.91

48.23

59.01

Total Operating
Expenses

100.74

117.25 118.24

126.09

156.49

Operating Profit

109.91

112.99 100.00

131.07

179.15

Total Provisions

66.86

68.93

63.78

87.94

Net Profit

43.05

44.07

67.29

91.21

54.59

45.41

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

FY2006

Deposits

83.91

Advances

46.26

FY2007

FY 2008

FY 2009

85.18

100.19

133.95

146.31

58.68

77.60

103.88

106.96

34.31

47.23

54.41

130.33

179.84

190.15

Investments

45.06

36.43

Total Assets

105.13

110.73

Interest Income

7.41

8.06

9.08

12.20

12.58

Interest Expenses

4.23

4.57

5.39

7.96

8.46

Net Interest
Income

3.18

3.49

3.69

4.24

4.12

Non-Interest
Income

1.63

1.66

1.33

2.17

2.50

Total Operating
Income

4.81

5.15

5.02

6.41

6.62

Staff Expenses

1.58

1.82

1.82

1.94

1.92

Overhead Expenses

0.72

0.81

0.90

1.2

1.17

Total Operating
Expenses

2.30

2.63

2.72

3.14

3.09

Operating Profit

2.51

2.52

2.30

3.27

3.53

Total Provisions

1.53

1.54

1.26

1.59

1.73

Net Profit

0.98

0.98

1.04

1.68

1.80

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

FY2005

FY2006 FY2007

FY
2008

FY 2009

ROA

0.99

0.89

0.84

1.01

1.04

ROE

18.10

15.47

14.24

17.82

15.07

EPS(Rs.)

81.79

83.73

86.29

126.62

143.77

BVS(Rs.)

450

525

606

776

918

Dividend Payout Ratio

15.29

16.72

16.22

22.64

22.90

Cost/Income Ratio

47.83

58.70

54.18

49.03

46.62

12.45

11.88

12.34

13.54

12.97

Capital Adequacy Ratio

(Basel I)
(Basel II)

14.25

Cost of Deposits

5.11

4.77

4.79

5.59

6.30

Yield on Advances

7.68

7.78

8.67

9.90

10.15

7.94

7.10

6.88

6.92

7.10

Net Interest Margin

3.39

3.40

3.31

3.07

2.93

Gross NPA Ratio

5.96

3.61

2.92

3.04

2.86

Net NPA Ratio

2.65

1.88

1.56

1.78

1.79

57

49

47

42.17

38.42

56.98

59.23

Yield on Resources
Deployed

Provision Coverage
(Excl AUCA)
Including AUCA

TABLE IV
SUMMARY OF STATE BANK OF INDIAS BALANCE SHEET
(Rs. in billion)

MARCH
2005

MARCH
2006

MARCH
2007

5.26

5.26

5.26

235.46

271.18

307.72

MARCH
2008

MARCH
2009

CAPITAL & LIABILITIES

Capital
Reserves & Surplus

6.31
484.01

6.35
573.13

3670.48

3800.46

Borrowings

191.84

306.41

397.03

517.27

537.14

Other Liabilities &

Provisions

495.79

556.98

600.42

833.62

1106.97

4598.83

4940.29

Deposits

Total
ASSETS

4355.21 5374.04

5665.65 7215.26

7420.73

9644.32

Cash & balances with

Reserve Bank of India

168.10

Balances with banks

and
money at call & short
notice

225.12

216.53

229.07

290.76

515.35

555.46

228.92

159.32

488.58

Investments

1970.98

1625.34

1491.49 1895.01

2759.54

Advances

2023.74

2618.01

3373.36 4167.68

5425.03

Fixed Assets

26.98

27.53

28.19

Other Assets

183.91

223.81

252.92

33.73
444.17

38.38
377.33

Total

4598.83 4940.29

5665.65 7215.26

9644.32

Contingent Liabilities

1593.97 2288.51

3065.90 8107.96

7237

167.77

Bills for Collection

205.93

233.68

189.47

438.70

TABLE V
SUMMARY OF STATE BANK OF INDIAS BALANCE SHEET

(In US $ billion)

MARCH
2005

MARCH
2006

MARCH
2007

MARCH
2008

MARCH
2009

CAPITAL &
LIABILITIES
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

Deposits
Borrowings
Other Liabilities &
Provisions

0.16

0.13

12.06

11.30

133.95

146.31

12.89

10.59

20.78

21.83

Total

105.13

110.73

130.33

179.84

190.15

12.85

10.95

3.97

9.63

47.23

54.41

103.88

106.96

0.84

0.76

11.07

7.44

179.84

190.15

202.09

142.69

4.72

8.65

MAR
08

MAR 09

ASSETS
Cash & balances
with
Reserve Bank of
India

3.84

Balances with
banks and
money at call &
short notice

4.85

6.69

5.15

5.13

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

Total
Contingent
Liabilities
Bills for Collection

5.27

TABLE VI
STATE BANK OF INDIA MARKET RELATED RATIOS
MARKET RELATED RATIOS

MAR 05

Market Price (Rs)

(as on last day of the
year/quarter)

657

Price to Book Ratio (%)

1.44

MAR
06

968

1.84

MAR
07

993

1599

1067

1.64

2.06

1.17

Market Capitalization
(Rs in Billion)
Earning Per Share
( Rs)

P/E Ratio (%)

345.75

81.79

8.03

509.48 522.56 974.12

677.13

86.29 126.62

143.77

83.73

10.40

11.51

12.63

All Rights Reserved, State Bank of India

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