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TABLE I

STATE BANK OF INDIA -FINANCIAL HIGHLIGHTS-2005-2009 Rs. in Billion FY2005 FY 2006 FY2007 FY 2008 FY 2009Deposits  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  394.91 489.50 637.88       Interest Expenses    184.83    203.90 234.37 319.29 429.15       Net Interest Income     139.45     155.89 160.54 170.21 208.73

       Non-Interest Income       71.20       74.35 57.69 86.95 126.91

       Total Operating Income     210.65     230.24 218.23 257.16 335.64

       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  54.59 63.78 87.94       Net Profit       43.05      44.07  45.41 67.29 91.21

TABLE II

STATE BANK OF INDIA -FINANCIAL HIGHLIGHTS-2005-2009 (IN US $) FY2005  FY2006 FY2007 FY 2008 FY 2009

Deposits     83.91     85.18  100.19 133.95 146.31       

Advances     46.26     58.68 77.60 103.88 106.96       

Investments      45.06     36.43 34.31 47.23 54.41       

Total Assets     105.13   110.73 130.33 179.84 190.15       

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

Capital Adequacy Ratio(Basel I)(Basel II)

12.45 11.88 12.34 13.54 12.9714.25

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

Yield on Resources Deployed

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

Provision Coverage(Excl AUCA)Including AUCA

57 49 47 42.1756.98

38.4259.23

TABLE IV

SUMMARY OF STATE BANK OF INDIA’S BALANCE SHEET

(Rs. in billion) MARCH   2005

MARCH 2006

MARCH 2007

MARCH 2008

MARCH 2009

CAPITAL & LIABILITIES

Capital     5.26     5.26 5.26 6.31 6.35

Reserves & Surplus   235.46  271.18 307.72 484.01 573.13

Deposits  3670.48  3800.46 4355.21 5374.04 7420.73

Borrowings    191.84    306.41 397.03 517.27 537.14

Other Liabilities & Provisions    495.79    556.98 600.42 833.62 1106.97

Total  4598.83  4940.29 5665.65 7215.26 9644.32

ASSETS

Cash & balances with Reserve Bank of India     168.10  216.53 290.76 515.35 555.46

Balances with banks and money at call & short notice

    225.12   229.07 228.92 159.32 488.58

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 33.73 38.38

Other Assets     183.91    223.81 252.92 444.17 377.33

Total   4598.83  4940.29 5665.65 7215.26 9644.32

Contingent Liabilities   1593.97  2288.51 3065.90 8107.96 7237

Bills for Collection     167.77    205.93 233.68 189.47 438.70

 

TABLE V

SUMMARY OF STATE BANK OF INDIA’S BALANCE SHEET

(In US $ billion)  MARCH   2005

MARCH 2006 

MARCH 2007

 MARCH   2008

MARCH 2009 

CAPITAL & LIABILITIES

Capital   0.12     0.12    0.12 0.16 0.13

Reserves & Surplus   5.38     6.08    7.08 12.06 11.30

Deposits  83.94   85.18 100.19 133.95 146.31

Borrowings    4.39     6.87    9.13 12.89 10.59

Other Liabilities & Provisions   11.33   12.48 13.81 20.78 21.83

Total  105.13  110.73 130.33 179.84 190.15

ASSETS

Cash & balances with Reserve Bank of India

    3.84     4.85 6.6912.85 10.95

Balances with banks and money at call & short notice

    5.15     5.13 5.273.97 9.63

Investments   45.06  36.43 34.31 47.23 54.41

Advances   46.26  58.68 77.60 103.88 106.96

Fixed Assets    0.62    0.62 0.65 0.84 0.76

Other Assets    4.20    5.02 5.82 11.07 7.44

Total  105.13  110.73 130.33 179.84 190.15

Contingent Liabilities    36.44    51.30 70.53 202.09 142.69

Bills for Collection     3.83    4.62 5.38 4.72 8.65

 

TABLE VI

STATE BANK OF INDIA MARKET RELATED RATIOSMARKET RELATED RATIOS MAR 05 MAR 06 MAR 07 MAR 08 MAR 09

Market Price (Rs)(as on last day of the year/quarter)

657      968    993  1599 1067

Price to Book Ratio (%)  1.44      1.84  1.64 2.06 1.17

Market Capitalization(Rs in Billion)  345.75  509.48  522.56 974.12 677.13

Earning Per Share( Rs)  81.79    83.73  86.29 126.62 143.77

P/E Ratio  (%) 8.03 10.40 11.51 12.63 7.42

 

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