FINANCE

2015
SBI
Net interest margin
EPS
deb equity
Capital adequacy ratio
NPA

2014

2013

2012

2011

MARKETING
2015
SBI
marketing cost
selling and distribution
advertising

2014

2013

HR
2012

2011

2015
SBI
SALARY AND WAGES
STAFF WELFARE
PF
GROWTH IN EMPLOYEES

2014

2013

2012

OPERATIONS
2011
SBI
OPERATING COST
cost of trading in investment

FINANCE
Total
SBI
Net interest margin
EPS
deb equity
Capital adequacy ratio
NPA

PUNJAB NATIONAL BANK

Net interest margin
EPS
deb equity
Capital adequacy ratio
NPA

CANARA BANK
Net interest margin
EPS
deb equity
Capital adequacy ratio
NPA

Net interest margin

EPS
deb equity

Strong

Favourable Adequate

Strong

Favourable Adequate

Strong

Favourable Adequate

Favourable
2.5 - 2
2.5 - 2
2.5 - 2

Adequate
2 - 1.5
2 - 1.5
2 - 1.5

1.38764045
2.92575137
2.22510593
2.12352941
-1.62

0.49078652
2.10636643
2.37563559
2.23529412
-2.15

0.31640449
1.51034625
2.85010593
2.09411765
-1.6

Strong
Above 2.5
Above 2.5
Above 2.5

Deteminal
1.5 - 1
1.5 - 1
1.5 - 1

Capital adequacy ratio

NPA

Above 2.5
Above (-1)

2.5 - 2
(-1) - (-1.5)

2 - 1.5
(-1.5) - (-2)

1.5 - 1
(-2) - (-2.5)

Determinal

Poor
5
1
3
4
2

Determinal

Poor
5
1
3
4
2

Determinal

Poor
.
1
3
4
2

Poor
Below 1
Below 1
Below 1

5
2015

4
2014

7.4
17.55
13.87
12
-2.1

7
156.76
13.34
13
-2.6

5
2015

4
2014

2.74
16.91
14.51
13
-4

2.93
93.91
14.48
12
-3

5
2015

4
2014

1.76
58.59
18.88
11
-3

1.81
54.58
18.57
11
-2

Below 1
Below (-2.5)

3
2013

2
2012

1
2011

10.3
210.06
13.87
11.2
-2.1

9.6
184.31
13.94
12.1
-1.8

8.4
130.16
17.85
10.7
-1.6

3
2013

2
2012

1
2011

3.1
139.52
13.8
13
-2

2.92
154.02
15.81
13
-2

3.12
140.6
20.77
12
-1

3
2013

2
2012

1
2011

1.91
64.83
16.47
12
-2

2.05
74.1
16.61
14
-1

2.29
97.83
17.74
15
-1

5
1
3
4
2

5
1
3
4
2

5
1
3
4
2

5
2015

4
2014

3
2013

185
87.75
208.05
240
-21

140
627.04
160.08
208
-20.8

154.5
630.18
124.83
134.4
-12.6

5
2015

4
2014

3
2013

68.5
84.55
217.65
260
-40

58.6
375.64
173.76
192
-24

46.5
418.56
124.2
156
-12

5
2015

4
2014

3
2013

44
292.95
283.2
220
-30

36.2
218.32
222.84
176
-16

28.65
194.49
148.23
144
-12

2
2012

1
2011

96
368.62
83.64
96.8
-7.2

42
130.16
53.55
42.8
-3.2

2
2012

1
2011

29.2
308.04
94.86
104
-8

15.6
140.6
62.31
48
-2

2
2012

1
2011

20.5
148.2
99.66
112
-4

11.45
97.83
53.22
60
-2

Max

Net Interest Margin

EPS
Debt Equity Ratio
Capital Adequacy Ratio
NPA

445
630.18
283.2
340
40

Net Interest Margin

EPS
Debt Equity Ratio
Capital Adequacy Ratio
NPA

445
630.18
283.2
340
40

Net Interest Margin

EPS
Debt Equity Ratio
Capital Adequacy Ratio
NPA

445
630.18
283.2
340
40

5
2015

4
2014

3
2013

2
2012

1
2011

5 0.41573 0.314607 0.347191 0.21573 0.094382

1 0.139246 0.995017
1 0.584944 0.206544
3 0.73464 0.565254 0.440784 0.295339 0.189089
4 0.705882 0.611765 0.395294 0.284706 0.125882
2
-0.525
-0.52
-0.315
-0.18
-0.08

5
1
3
4
2

5
2015

4
2014

3
2013

2
2012

1
2011

0.153933
0.134168
0.768538
0.764706
-1

0.131685
0.596084
0.613559
0.564706
-0.6

0.104494
0.664191
0.438559
0.458824
-0.3

0.065618
0.488813
0.334958
0.305882
-0.2

0.035056
0.223111
0.220021
0.141176
-0.05

5
2015

4
2014

3
2013

2
2012

1
2011

5 0.098876 0.081348 0.064382 0.046067 0.02573

1 0.464867 0.346441 0.308626 0.235171 0.155241
3
1 0.786864 0.523411 0.351907 0.187924
4 0.647059 0.517647 0.423529 0.329412 0.176471
2
-0.75
-0.4
-0.3
-0.1
-0.05

Total

1.38764
2.925751
2.225106
2.123529
-1.62

0.490787
2.106366
2.375636
2.235294
-2.15

0.316404
1.510346
2.850106
2.094118
-1.6

HR (in Millions)
Total
SBI
Employee Cost
Staff Welfare Cost
Growth in Number of Employees
PAT per employee
Business per employee

PUNJAB NATIONAL BANK

Employee Cost
Staff Welfare Cost
Growth in Number of Employees
PAT per employee
Business per employee

CANARA BANK
Employee Cost
Staff Welfare Cost
Growth in Number of Employees
PAT per employee
Business per employee

Strong

Favourable

Strong

Favourable

Strong

Favourable

-2.5869045913
-1.5555816958
-0.587654321
0.9572789897
2.2708552817

-0.5842708462
-0.5900958405
0.9061728395
1.0206314581
2.3912849372

-0.5023922435
-0.2486231367
1.2197530864
1.0333869116
2.8708891277

Strong

Favourable Adequate

Employee Cost
Staff Welfare Cost
Growth in Number of Employees
PAT per employee
Business per employee

Above
Above
Above
Above
Above

(-1)
(-1)
2.5
2.5
2.5

(-1) - (-1.5)
(-1) - (-1.5)
2.5 - 2
2.5 - 2
2.5 - 2

(-1.5) - (-2)
(-1.5) - (-2)
2 - 1.5
2 - 1.5
2 - 1.5

Adequate

Determinal

5
2015

Poor
4
1
3
2
5

Adequate

Determinal

5
2015

Poor
4
1
3
2
5

Adequate

Determinal

-37146
-835.5
2.8
0.4488
129.1423

5
2015

Poor
4
1
3
2
5

Determinal Poor

-180040.2
-10918.6
-9.6
0.6144
134.9112

-32556
-2797.5
5.2
0.5006
148.91

(-2) - (-2.5)
(-2) - (-2.5)
1.5 - 1
1.5 - 1
1.5 - 1

Below
Below
Below
Below
Below

(-2.5)
(-2.5)
1
1
1

4
2014

3
2013

2
2012

1
2011

5
2015

-167306.5
-5339.2
-5.5
0.4888
116.882

-139275.4
-12315.8
12.8
0.6178
98.4843

-119000.9
-12118.3
-7.4
0.5433
88.6958

-103479.1
-24201.8
22.6
0.3707
75.8368

4 -3600804
1
-54593
3
-144
2
6.144
5 3372.78

4
2014

3
2013

2
2012

1
2011

5
2015

-40563.3
-398.3
2.2
0.5104
122.1626

-32869.3
-11038.9
1.2
0.7506
110.6547

-27491.4
-1879.5
5.1
0.7874
108.385

-24387.3
-3438
0.1
0.7775
97.3352

4 -742920
1
-4177.5
3
42
2
4.488
5 3228.558

4
2014

3
2013

2
2012

1
2011

5
2015

-37830.3
0
6.1
0.4997
147.926

-26883.5
-1955.1
0.4
0.6727
140.0774

-19487.8
-2278.8
-1.1
0.7766
132.3674

-18526.7
-1375.3
0
0.9277
116.2995

4 -651120
1 -13987.5
3
78
2
5.006
5 3722.75

4
2014

3
2013

2
2012

1
2011

-2676904 -1671305 -952007.2 -413916.4

-21356.8 -36947.4 -24236.6 -24201.8
-66
115.2
-44.4
67.8
3.9104
3.7068
2.1732
0.7414
2337.64 1477.265 886.958 379.184

4
2014

3
2013

2
2012

1
2011

-649012.8 -394431.6 -219931.2 -97549.2

-16710 -33116.7
-3759
-3438
26.4
10.8
30.6
0.3
4.0832
4.5036
3.1496
1.555
2443.252 1659.821 1083.85 486.676

4
2014

3
2013

2
2012

1
2011

-605284.8 -322602 -155902.4 -74106.8

0
-5865.3
-4557.6
-1375.3
73.2
3.6
-6.6
0
3.9976
4.0362
3.1064
1.8554
2958.52 2101.161 1323.674 581.4975

Max

Employee Cost
Staff Welfare Cost
Growth in Number of Employees
PAT per employee
Business per employee

5
2015
3600804
103714
121.5
17.42
3722.75

4
1
3
2
5

-1
-0.52638
-1.185185
0.352698
0.905992

5
2015
Employee Cost
Staff Welfare Cost
Growth in Number of Employees
PAT per employee
Business per employee

3600804
103714
121.5
17.42
3722.75

4
1
3
2
5

-0.206321
-0.040279
0.345679
0.257635
0.867251

5
2015
Employee Cost
Staff Welfare Cost
Growth in Number of Employees
PAT per employee
Business per employee

3600804
103714
121.5
17.42
3722.75

4
1
3
2
5

-0.180826
-0.134866
0.641975
0.287371
1

4
2014

3
2013

2
2012

1
2011

-0.743418
-0.20592
-0.54321
0.224478
0.627934

-0.464148
-0.356243
0.948148
0.21279
0.396821

-0.264387
-0.233687
-0.365432
0.124753
0.238253

-0.114951
-0.233351
0.558025
0.04256
0.101856

4
2014

3
2013

2
2012

1
2011

-0.180241
-0.161116
0.217284
0.234397
0.656303

-0.10954
-0.319308
0.088889
0.25853
0.445859

-0.061078
-0.036244
0.251852
0.180804
0.291142

-0.027091
-0.033149
0.002469
0.089265
0.13073

4
2014

3
2013

2
2012

1
2011

-0.168097
0
0.602469
0.229483
0.794714

-0.089592
-0.056553
0.02963
0.231699
0.564411

-0.043297 -0.020581
-0.043944 -0.013261
-0.054321
0
0.178324 0.10651
0.355563 0.156201

Total

-2.586905
-1.555582
-0.587654
0.957279
2.270855

-0.584271
-0.590096
0.906173
1.020631
2.391285

-0.502392
-0.248623
1.219753
1.033387
2.870889

OPERATIONS
Total
Strong
SBI
Operating Cost
Cost of Trading, Treasury mgt & investment
Outsourcing Cost
Tangible Assets
Working Capital

2.8126696833
2.5863145258
0.4736842105
2.4455668119
2.265442866

Strong
Punjab National Bank
Operating Cost
Cost of Trading, Treasury mgt & investment
Outsourcing Cost
Tangible Assets
Working Capital

2.7337104072
2.7764705882
0.3473684211
1.1270479329
0.994105025

Strong
Canara Bank
Operating Cost
Cost of Trading, Treasury mgt & investment
Outsourcing Cost
Tangible Assets
Working Capital

3.0285067873
3.0055222089
0.3263157895
1.735520361
1.1112326556

Operating Cost
Cost of Trading, Treasury mgt & investment
Outsourcing Cost
Tangible Assets
Working Capital

Strong
Below 2.4
Below 2.4
Below 0.5
Below 2.4
Below 2.4

Favourable
2.4 - 2.6
2.4 - 2.6
0.5 - 1
2.4 - 2.6
2.4 - 2.6

Favourable Adequate

Determinal Poor

Favourable Adequate

Determinal Poor

Favourable Adequate

Determinal Poor

Adequate
2.6 - 2.8
2.6 - 2.8
1 - 1.5
2.6 - 2.8
2.6 - 2.8

Determinal
2.8 - 3
2.8 - 3
1.5 - 2
2.8 - 3
2.8 - 3

Poor
Above
Above
Above
Above
Above

3
3
2
3
3

5
2015

4
2014

3
2013

2
2012

1
2011

82.8
72.1
0.3
90418

83.7
71.5
0.3
77164.5

84.3
72.9
0.3
65957.1

80.8
72
0.3
51338.7

79.9
68
0.3
44319.6

5
4
3
1

2 1016984.8 701485.2 624021.5 606396.2 543883.1

5
4
3
1

5
2015
5
4
3
1
2

80.1
75.3
0.2
35514.8
471776.5

5
2015
5
4
3
1
2

4
2014

3
2013

79.4
83.1
77.2
79.5
0.2
0.2
34197.4 33576.7
367326 192843.2

4
2014

3
2013

88.4
88.9
89.7
83.3
83.7
84.1
0.2
0.2
0.2
69494.5 66415.7 28627.1
443755.3 407578.3 327476.9

2
2012

1
2011

81.2
78.5
79.4
73.8
0.3
0.3
31688.7
31056
215515 217202.4

2
2012

5
4
3
1
2

1
2011

90.8
90.3
83.8
80.6
0.2
0.3
28575.4
28444
263779 291455.2

5
4
3
1
2

5
2015
2070
1442
4.5
452090

4
2014

2
2012

1
2011

1674
1264.5
808
1144
874.8
576
3.6
2.7
1.8
308658 197871.3 102677.4

399.5
272
0.9
44319.6

10169848 5611881.6

5
2015
2002.5
1506
3
177574
4717765

5
2015

4
2014

3
2013

3744129

2425585

1087766

3
2013

2
2012

1
2011

1588
1246.5
1235.2
954
2.4
1.8
136789.6 100730.1
2938608 1157059

4
2014

3
2013

2210
1778
1666
1339.2
3
2.4
347472.5
265662.8
4437553 3260626.4

1345.5
1009.2
1.8
85881.3
1964861

812
392.5
635.2
295.2
1.8
0.9
63377.4
31056
862060 434404.8

2
2012

1
2011

908
451.5
670.4
322.4
1.2
0.9
57150.8
28444
1055116 582910.4

Max

Operating Cost
Cost of Trading, Treasury mgt & investment
Outsourcing Cost
Tangible Assets

2210
1666
28.5
452090

5
4
3
1

Working Capital

10169848

Operating Cost
Cost of Trading, Treasury mgt & investment

2210
1666
28.5
452090
10169848

5
4
3
1
2

2210
1666
28.5
452090
10169848

5
4
3
1
2

Outsourcing Cost
Tangible Assets
Working Capital

Operating Cost
Cost of Trading, Treasury mgt & investment
Outsourcing Cost
Tangible Assets
Working Capital

5
2015
0.936652
0.865546
0.157895
1

4
2014

3
2013

2
2012

1
2011

0.757466 0.572172 0.365611 0.180769

0.686675 0.52509 0.345738 0.163265
0.126316 0.094737 0.063158 0.031579
0.682736 0.437681 0.227117 0.098033

1 0.551816

0.36816 0.238507

0.10696

5
2015

4
2014

3
2013

2
2012

1
2011

0.906109
0.903962
0.105263
0.392785
0.463897

0.718552
0.741417
0.084211
0.302572
0.288953

0.564027
0.572629
0.063158
0.22281
0.113773

0.367421
0.381273
0.063158
0.140188
0.084766

0.177602
0.177191
0.031579
0.068694
0.042715

5
2015

4
2014

3
2013

2
2012

1
2011

1
1
0.105263
0.768591
0.436344

0.804525
0.803842
0.084211
0.587633
0.320617

0.608824
0.605762
0.063158
0.189965
0.193205

0.41086
0.402401
0.042105
0.126415
0.103749

0.204299
0.193517
0.031579
0.062917
0.057318

Total

2.8126696833
2.5863145258
0.4736842105
2.4455668119
2.265442866

2.7337104072
2.7764705882
0.3473684211
1.1270479329
0.994105025

3.0285067873
3.0055222089
0.3263157895
1.735520361
1.1112326556

MARKETING
Total
SBI
Advertising Cost
Marketing Cost
Communication Cost
Sales
Travelling Cost

Punjab National Bank

Advertising Cost
Marketing Cost
Communication Cost
Sales
Travelling Cost

Canara Bank
Advertising Cost
Marketing Cost
Communication Cost
Sales
Travelling Cost

Strong

Favourable Adequate

Strong

Favourable Adequate

Strong

Favourable Adequate

-1.52
0
-1.58
2.5732661527
0

-0.64
0
-0.98
0.826874165
0

-0.76
0
-0.3
0.7399299343
0

Strong

Favourable Adequate

Determinal

Advertising Cost
Marketing Cost
Communication Cost
Sales
Travelling Cost

Above
Above
Above
Above
Above

(-1)
(-1)
(-1)
2
(-1)

(-1) - (-1.5)
(-1) - (-1.5)
(-1) - (-1.5)
2 - 1.5
(-1) - (-1.5)

(-1.5) (-1.5) (-1.5) 1.5 - 1

(-1.5) -

(-2)
(-2)
(-2)
(-2)

(-2) - (-2.5)
(-2) - (-2.5)
(-2) - (-2.5)
1 - 0.5
(-2) - (-2.5)

5
2015

4
2014

4
-0.2
3
0
2
-0.5
5 1523970.7
1
0

-0.2
0
-0.6
1363508
0

5
2015

4
2014

-0.1

-0.1

Determinal Poor

Determinal Poor
4
3
2
5
1

5
2015

Determinal Poor
4
3
2
5
1

Poor

0
0
-0.3
-0.3
463153.6 432232.5
0
0

4
2014

-0.1
-0.2
0
0
-0.1
-0.1
437500.4 395476.1
0
0

Below
Below
Below
Below
Below

(-2.5)
(-2.5)
(-2.5)
0.5
(-2.5)

3
2013

2
2012

1
2011

5
2015

4
2014

-0.4
-0.2
-0.4
0
0
0
-0.5
-0.5
-0.5
1196551 1065214.5 813943.6
0
0
0

4
-4
3
0
2
-5
5 38099267.5
1
0

-3.2
0
-4.8
27270160
0

5
2015

4
2014

3
2013

2
2012

1
2011

-0.1

-0.1

-0.2

-2

-1.6

0
0
-0.4
-0.5
364761.3 269864.8
0
0

3
2
5
1

0
-3
11578840
0

0
-2.4
8644650
0

5
2015

4
2014

-2
0
-1
10937510
0

-3.2
0
-0.8
7909522
0

0
-0.3
418858.2
0

3
2013
-0.1
0
-0.1
340779.4
0

2
2012

1
2011

-0.1
-0.1
0
0
-0.1
-0.1
308506.2 229400.7
0
0

4
3
2
5
1

3
2013

2
2012

1
2011

-4.8
0
-3
17948265
0

-1.6
0
-2
10652145
0

-1.6
0
-1
4069718
0

3
2013

2
2012

1
2011

-1.2

-0.8

-0.8

0
-1.8
6282873
0

0
-1.6
3647613
0

0
-1
1349324
0

3
2013

2
2012

1
2011

-1.2
0
-0.6
5111691
0

-0.8
-0.4
0
0
-0.4
-0.2
3085062 1147003.5
0
0

Max

Advertising
Cost
Marketing
Cost
Communicatio
n
Cost
Sales
Travelling Cost

10
49.5
10
38099267.5
0

Advertising
Cost
Marketing
Cost
Communicatio
n
Cost
Sales

10

Travelling Cost

Advertising
Cost
Marketing
Cost
Communicatio
n
Cost
Sales
Travelling Cost

49.5
10
38099267.5
0

10
49.5
10
38099267.5
0

5
2015

4
2014

3
2013

2
2012

-0.4
0
-0.5
1
0

-0.32
0
-0.48
0.7157659921
0

-0.48
0
-0.3
0.471092128
0

-0.16
0
-0.2
0.2795892336
0

5
2015

4
2014

3
2013

2
2012

-0.2

-0.16

-0.12

-0.08

4
3
1
2

0
-0.3
0.3039124046
0

0
-0.24
0.2268980631
0

0
-0.18
0.1649079736
0

0
-0.16
0.0957397147
0

5
2015

4
2014

3
2013

2
2012

-0.2
0
-0.1
0.2870792726
0

-0.32
0
-0.08
0.2076029939
0

-0.12
0
-0.06
0.1341676976
0

-0.08
0
-0.04
0.0809743127
0

5
4
3
1
2

5
4
3
1
2

1
2011
-0.16
0
-0.1
0.1068187991
0

Total

-1.52
0
-1.58
2.5732661527
0

1
2011
-0.08

-0.64

0
-0.1
0.035416009
0

0
-0.98
0.826874165
0

1
2011
-0.04
0
-0.02
0.0301056575
0

-0.76
0
-0.3
0.7399299343
0