Executive Summary

State Bank Of India

Currency: Rs. Million (Non-Annualised)
Total income
Income from financial services
Fee based financial services income
Fund based financial services income
Income from treasury operations
Income from non-financial services
Prior period and extra-ordinary income

Mar-09
12 mths

Mar-10
12 mths

Mar-11
12 mths

Mar-12
12 mths

Mar-13
12 mths

765,405.50
755,884.90
76,172.40
679,712.50
37,465.40

869,685.10
859,093.70
96,408.60
762,685.10
46,919.20

982,505.40
961,770.10
115,632.80
846,137.30
23,897.40

1,220,168.90
1,208,315.70
120,909.00
1,087,406.70
14,517.70

1,367,150.10
1,355,011.70
114,837.20
1,240,174.50
36,462.90

578

79.9

10,083.90

1,605.30

252.8

Total expenses
Fund based financial services expenses
Treasury operations expenses
Compensation to employees
Provisions
Prior period and extra-ordinary expenses
Provision for direct tax

674,193.20
429,158.60
5.6
98,051.10
37,345.80
29.5
50,594.20

778,024.60
473,224.80
127,626.40
53,828.20
104.6
47,600.30

899,860.20
488,726.30
46.7
161,859.10
104,154.40
185.1
66,897.10

1,103,096.00
641,501.10
9,197.40
169,151.50
132,079.50
441.5
67,973.00

1,226,100.30
753,295.80
37.8
182,809.00
121,174.00
327.2
58,459.10

PBPT net of P&E&OI

PBT
Profit after tax (PAT)
PAT net of P&E

169,661.20
141,806.50
91,212.30
90,663.80

182,602.20
139,260.80
91,660.50
91,685.20

233,146.50
149,542.30
82,645.20
72,746.40

305,713.70
185,045.90
117,072.90
115,909.10

308,871.70
199,508.90
141,049.80
141,124.20

Total liabilities
Net worth
Tangible net worth
Deposits
Borrowings
Current liabilities & provisions
Contingent liabilities

9,650,429.60 10,539,566.10 12,246,938.10 13,377,094.40 15,686,991.90

579,477.00
659,492.00
649,860.40
836,512.00
986,836.80
579,477.00
659,492.00
649,860.40
836,512.00
986,836.80
7,420,731.20 8,041,162.30 9,339,328.10 10,436,473.60 12,027,395.70
840,579.40 1,030,116.00 1,195,689.50 1,270,055.70 1,691,827.20
803,533.30
803,367.00 1,052,484.00
812,151.00
947,763.80
7,238,662.10 5,484,468.90 7,304,846.10 8,326,053.40 9,268,512.60

Total assets
Net fixed assets
Investments
Current assets
Loans & advances
Cash and bank balance
Gross fixed assets

9,650,429.60 10,539,566.10 12,246,938.10 13,377,094.40 15,686,991.90

35,744.00
41,177.20
44,319.60
51,338.70
65,957.10
2,759,539.60 2,957,852.10 2,956,005.70 3,121,976.10 3,508,775.00
1,374,673.80 1,143,983.00 1,596,367.10 1,418,547.20 1,571,785.30
5,461,460.20 6,363,052.30 7,625,674.50 8,758,197.20 10,509,502.20
1,044,038.00
861,887.10 1,228,741.50
971,631.60 1,148,201.70
104,030.50
117,776.30
131,892.90
147,923.30
173,745.40

Growth (%)
Total income
Total expenses
PBPT net of P&E&OI
PBT
PAT net of P&E
Net worth
Total assets

31
30.4
38.2
35.8
35
18.2
33.6

13.6
15.4
7.6
-1.8
1.1
13.8
9.2

13
15.7
27.7
7.4
-20.7
-1.5
16.2

24.2
22.6
31.1
23.7
59.3
28.7
9.2

12
11.2
1
7.8
21.8
18
17.3

Profitability ratios
PBPT net of P&E&OI as % of income from fin serv
PAT net of P&E as % of total income net of P&E
PAT net of P&E as % of net worth
PAT net of P&E as % of total assets excl reval

22.4
11.9
16.9
1.1

21.3
10.5
14.8
0.9

24.2
7.5
11.1
0.6

25.3
9.5
15.6
0.9

22.8
10.3
15.5
1

5.5

5.7

5.9

Average cost of funds (%)

Efficiency ratios
Total income / total assets
Total income / compensation to employees
Interest income of bank as a % of working funds
Operating profit of bank as a % to working funds
Net interest income / interest earned

0.091
7.806
7.3
2
32.722

0.086
6.814
6.8
1.8
33.343

0.086
6.07
7
2.2
39.961

0.095
7.213
8
2.4
40.641

0.094
7.479
7.8
2
37.048

Mar-14
12 mths
1,566,826.20
1,536,362.10
126,113.00
1,410,249.10
41,746.70
15,375.80
1,457,914.50
872,713.10
2,026.80
228,374.20
167,975.10
386.4
54,249.90
301,059.00
163,161.60
108,911.70
93,922.30
17,945,700.80
1,182,822.50
1,182,822.50
13,944,085.00
1,831,308.80
935,751.30
10,192,449.20
17,945,700.80
77,164.60
3,983,081.70
1,642,150.40
12,217,092.20
1,325,496.40
192,801.60

14.6
18.9
-2.5
-18.2
-33.4
19.9
14.4

19.6
6.1
8.7
0.6
5.9

0.093
6.861
7.6
1.8
36.144