1329381455852_IR_ANALYST_Q3FY12_NEW

8/2/2019 1329381455852_IR_ANALYST_Q3FY12_NEW

1/44

THE B

uarterly Results

Q3 FY 2012

NKER TO EVERY INDIAN


2/44

Healthy Growth in NII - a Snapsh

Q3 FY11 Q3 FY1

Interest Income 21413 27661

Interest Expenses 12363 16196

Net Interest Income 9050 11466

Other Income 3314 2126

Staff Expenses 3512 3911

Overheads 2088 2420

Operating Profit 6764 7260

Rs. In Crores

ot (1/2)

YOY Gr.% 9M FY11 9M FY12 YOY Gr.%

29.18

31.00

26.70

(35.85)

11.38

15.95

7.33

59673 77826 30.42

35205 46239 31.34

24468 31587 29.09

11009 9087 (17.46)

10261 11543 12.49

5960 7155 20.04

19256 21977 14.13

2


3/44

Net Profit up by 15% - a Sn

Q3 FY11 Q3 FY1


Total Provisions 3936 3997

Income Tax 1885 1590

Loan Loss 1632 3006

Investment Depreciation 209 (870)

Of which:Dom. Equity

5 (817)

Dom. Bonds 201 (14)

Foreign Operations 3 (39)

Standard Assets 225 195

Other Provisions (15) 76

Net Profit 2828 3263

Rs. In Crores

pshot (2/2)


7.33

1.54

(15.67)

84.16

(516.66)

(13.44)

624.65

15.38

19256 21977 14.13

11012 14320 30.03

4788 4370 (8.73)

5528 8709 57.54

342 636 85.92

(1) 29

339 510

4 97

345 604 74.81

8 1 (93.50)

8244 7657 (7.12)3


4/44

Profitability : Domestic & Foreig

Indian Of

Interest Income 20308 26250

Interest Expenses 11754 15432

Net Interest Income 8554 10818

Non Interest Income 3053 1905

Staff Expenses 3448 3826

Overheads 1979 2296


Rs. In Crores

Q3 FY11 Q3 FY1

Offices (1/3)

ices Foreign Offices

29.26

31.29

26.48

(37.60)

10.96

16.02

6.82

1105 1411 27.73

609 764 25.45

496 648 30.52

260 221 (15.29)

64 85 34.03

108 124 14.61

585 659 12.68

4

YOY Gr.% Q3 FY11 Q3 FY12 YOY Gr.%


5/44

Operating Profit :Domestic & Fo

Indian Of

Rs. In Crores

Q3 FY11 Q3 FY1


Total Provisions 3720 3752

Income Tax 1765 1420

Loan Loss 1543 2900

Investment Depreciation 206 (831)*

Standard Assets 218 188

Other Provisions (12) 74

Net Profit 2460 2849* Bonds Rs 14 crores Equity 817 crores.

eign Offices (2/3)

ices Foreign Offices

YOY Gr.% Q3 FY11 Q3 FY12 YOY Gr.%

6.81

0.85

(19.56)

87.94

(13.54)

728.92

15.84

585 659 12.65

216 245 13.45

120 170 41.62

89 106 18.79

3 (39)

7 7

(3) 2 182.37

369 414 12.185


6/44

Operating Profit :Domestic & Fo

Rs. In Crores

Indian Offices

Q3FY11 Q3FY12Change

(bps)Q3

ROA* (%) 0.94 0.96 2 1.

RWA

(Rs. In crores)693114 733366 5.81% 89

NIM 3.95 4.39 44 1

*annualised

eign Offices (3/3)

6

Foreign Offices Whole Bank

Y11 Q3FY12Change

(bps)Q3FY11 Q3FY12

Change(bps)

02 1.10 8 0.94 0.97 3

033 110818 24.47% 782147 844184 7.93%

.43 1.77 34 3.61 4.05 44


7/44

7304

8115

9050

8058

9

29142501

2828

21

1

6134

63576764

6080

7

Q1FY11 Q2FY11 Q3FY11 Q4FY11 Q1

Quarterly Movement in Inco

(9)

(11)

(12)

(-11)

(18)(4) (6)

(-10)

(

(56) (-14) (13)

(-99)

(Sequential Growth %)

700

10422

11466

584

28103263

242 7474 7260

FY12 Q2FY12 Q3FY12

Net Interest Income

Net Profit

Operating Profit

Rs. In crores

e Parameters

7

(20)

(7)

19) (3)

(7484)(78)

(10)

(-3)

(16)


8/44

Domestic NIM - all time hig

Q3 FY11 Q3FY12

21413 27661

12363 16196

9050 11466

3.61 4.05

3.95 4.39

Rs. In Crores

Interest Income

Interest Expenses

Net Interest Income

Whole Bank NIM %

Domestic NIM %

of 4.12%


29.18

31.00

26.70

44 bps

44 bps

59673 77826 30.42

35205 46239 31.34

24468 31587 29.09

3.40 3.82 42 bps

3.72 4.12 40 bps

8


9/44

RONW* 15.38 18.12 274

ROA* 0.94 0.97 3

Op. Pr. to NW 36.79 40.31 352

EPS (in Rs)* 178.56 205.56 15.12%

Efficiency Ratios (%)

Q3FY11 Q3FY12Change

bps

*annualised

Book ValuePer Share

(In Rs.)

1158 1134 (24)

Cost toIncome

45.72 45.97 25

Gross NPA 3.17 4.61 144

Net NPA 1.61 2.22 61

Tier I 8.52 7.59 (93)

Tier II 3.59 4.01 42

CAR 12.11 11.60 (51)

Dec 10 Dec 11Change

bps

9


10/44

9.45 8.52

3.943.59

Mar-10 Dec-10

113.39

In Percentage

Capital Adequacy

12.11CAR

Tier II

Tier I7.77 7.59

9.01

4.21 4.01

4.16

ar-11 Dec-11 Mar-12 (Proj)

1.98 13.17

10

11.60


11/44

Q3 FY11 Q3 FY1

15717 20891

5261 6520

435 250

21413 27661

Rs. In Crores

Components of Interest Inco

Interest on Loans

Interest on Resources

Other Sundry Interest

Total Interest Income

Other Interest Income includes IT Refund of Rs.556 crores in


32.93

23.94

(42.64)

29.18

43719 58937 34.81

14757 17993 21.93

1196 896 (25.09)

59673 77826 30.42

me

119MFY11 and 133 crores in 9MFY12.


12/44

Q3FY11 Q3 FY12

10782 14250

789 1030

792 915

12363 16196

Rs. In Crores

Components of Interest Exp

Interest on Deposits

Interest on Borrowings

Other Sundry Interest

Total Interest Expenses

Other Sundry Interest Paid includes Interest of Rs.2501 crores

YOY

Gr.%9M FY11 9M FY12 YOY Gr.%

32.16

30.56

15.61

31.00

31292 40823 30.46

1655 2696 62.87

2258 2720 20.48

35205 46239 31.34

nses

12paid on Tier II bonds of Rs.34672 crores as on 31.12.2011.


13/44

Q3 FY11 Q3FY12

Fee Income 2477 2642

Profit/loss on Sale ofInvestments 220 (1090)

Of which;Domestic-Equity & MF

190 (1063)

Domestic-Bonds 4 (11)

Foreign Operations 26 (16)

Forex Income 408 286

Dividend Income* 0 53

Misc. Income 208 236

Total Other Income 3314 2126

Components of Other Inco

Rs. In Crores

9MFY11 includes income of Rs.306 crs from a large corpgrown by around 5%


6.62

(595.10)

(659)

(375)

(162)

(30.08)

--

13.64

(35.85)

7832 7875 0.55

586 (893) (252.38)

506 (673) (233)

25 (179) (816)

60 41 (31.66)

1220 1097 (10.01)

665 365 (45.15)

706 644 (8.83)

11009 9087 (17.46)

e

13

rate deal. Excluding Fee Income in 9MFY12 would have


14/44

Q3 FY11 Q3 FY1

2827 3107

685 805

545 642

140 163

3512 3911

62.73 61.77

2088 2420

5599 6332

Rs. In Crores

Growth in Operating Expen

Salary

Provision forsuperannuation benefits

Of which : Pension

Gratuity

Total Staff Expenses

Staff expenses to

Operating expenses (%)

Overhead Expenses

Total Operating Expenses

* Accounts for write back of wage revision provision of Rs. 9

growth is 12.41%


9.90

17.48

17.84

16.07

11.38

(96 bps)

15.95

13.08

7132 * 9126 27.95

3129 2417 (22.75)

1590 1930 21.39

1540 487 (68.34)

10261 11543 12.49

63.26 61.73 (153 bps)

5960 7155 20.04

16222 18698 15.27

es Contained

14

6 crores of 2009-10 during 9MFY11. Excluding this YOY


15/44

5.20 5.26

5.665.83 5.90

Cost of Funds - Aggregate

Cost of Deposits

Mar11 Jun11 Sep11 Dec11Dec 10

5.275.39 5.41

5.856.10


Interest Spread up by 65 bps

Yield on Advances

Interest Spread

15

9.58 9.56

10.43

10.78 10.93


4.38 4.30

4.774.95 5.03


In percentage


16/44

869

1924

11041650

Q1 Q2

Corporate Citizen

Income Tax Paid

6160

1262

Mar 11

Income Tax

Other Taxes

Total Tax Paid 7422

1864

15031730

Q3 Q4

Rs. In crores

16

4484

952

Dec 11

FY 11: 6160

9MFY12: 4484

5436


17/44

61.85

67.81

22.5721.73

11.089.06

1.731.22.77

0.14P/L on Sale of Inv.

Forex Income

Fee Income

Int. on Res. Ops.

Int. on Advances

RUPEE EARNED

In percentage

Revenue & Expenditure

Dec 10 Dec 11

44.27 46.97

5.546.23

14.52 13.28

8.43 8.236.77 5.038.81 11.45

11.66 8.81

RUPEE SPENT

17

Dec 10 Dec 11

Interest on deposits

Staff Expenses

Overheads

Income Tax

Other Provisions

Transfer to Reserves

Interest on Borr.


18/44

Rs. In Crores

Retail Deposits drive Growt

Savings Bank up by Rs. 44502 crores in 9MFY1Retail TD up by Rs.53874 crores in 9MFY12; YT

Dec 10

Whole Bank Deposits 878979

Domestic Deposits 833361

Deposits at FOs 45618

Term Deposits 433954

Of which: Retail TDs(%)

326550( 75.24)

Current Account(%)

80401(9.65 )

Savings Bank

(%)

319006

( 38.28)CASA 399407

CASA Ratio- Domestic 47.93

h

;YTD Gr 13.80 %D Gr 16.12 %

Dec 11YOY Gr

AmtYOY Gr.%

000965 121986 13.88

941432 108071 12.97

59533 13915 30.50

494074 60120 13.85

388144(78.56 )

61594( 102.45) 18.86

79462(8.44 )

(939) (1.17)

367896

(39.08 )

48890

(45.24 )

15.33

447358 47951 12.01

47.52 (41) bps

18


19/44

Dec 10 Mar 11 Dec 11

12.7013.20

14.86

Saving Bank

57.38 lac new accounts in Q3FY12

in crores

Customer Acquisition Grow

3 yrs CAGR 21.6%

17% YOY


24.4324.60

25.73

Current Account

0.38 lac new accounts in Q3FY12

19

in lacs

h Accelerated

5% YOY


20/44

Diversified Exposure across Sect

Dec-10

CAG

MCG

SME

AGL

Retail

International

Misc.

Rs.693224 crs

14

20

15

12

15

21

3

In Percentages

rs

Dec-11

CAG

MCG

SME

AGL

Retail

International

Misc.

Rs.869394 crs

14

19

16

12

15

20

4

20


21/44

Diversified Exposure across Maj

Infrastru30%

Iron and Ste17%

Textiles14%

Engineering10%

Petroleum9%

Food Processing9%

CRE4%

Gems &Jewellery

4%

Construction3%

Rs. In crores

21

r Industries

ture

el

O/s% share to

loan book

Infrastructure75245

8.7

Iron and Steel 43058 5.0

Textiles 33933 3.9

Engineering 25021 2.9

Petroleum 22311 2.6

Food Processing 21324 2.5

CRE 9647 1.1

Gems & Jewellery 9334 1.1

Construction 8372 1.0


22/44


739971

771802

869393


156693

164576

175322

Whole Bank

Retail

Composition of Advances G

17.49%

11.89%


629409

662444

735331


87025

94826

101882

Domestic

Agri

22

owth (1/2)

17.07%

16.83%

GrowthYOY

Rs. In crores


23/44


105801

108741

123118


110562 109358

134063

Large Corporate

International

Composition of Advances G

16.37%

21.26%


148626

157566

166068


109362119676

132677

Mid Corporate

SME

23

owth (2/2)Growth

YOY

11.74%

21.32%

Rs. In crores


24/44

Across Sectors

CAG14%

MCG19%

SME15% AGL12%

RETAIL20%

INTL

16%

Misc4%

Level Home

Dec-10 85142

Dec-11 99019

Growth Abs. 13877

YOY Growth % 16.30

Market Leader in Retail Adva

Break-up of Retail

Home56%

Auto10%

Education

7%

Other Per.27%

In Percentages

24

Auto Edu Total (key sectors

4012 10863 110017

7409 12402 128830

3397 1539 18813

4.24 14.17 16.93

nces


25/44

Across Sectors

CAG14%

MCG19% SME

15%

AGL12%

RETAIL20%

INTL16%

Misc4%

Level Cr

Dec-10

Dec-11

Growth Abs.

YOY Growth %

Agri Advances

Break-up of Direct Agri

Farm Mech11%

Irrig. & LandDevp.

4%

Animal Hub.4%

Crop62%

Other Direct19%

In Percentages

25

op Loans Investment Credit

37945 14426

48930 15227

10985 801

28.95 5.55


26/44

77.2276.32 76.68

75.83 75.6974.87

Dec 10 Mar 11 Jun 11

16.74

16.39

16.23 16.26 16.29

Dec 10 Mar 11 Jun 11 Sep 11 Dec 11

DEPOSITS

CD RATIO

Market Share & CD Ratio

75.81

78.59

74.0175.22

Sep 11 Dec 11

SBI

ASCB

26

16.83

16.38

16.5516.44 16.48

Dec 10 Mar 11 Jun 11 Sep 11 Dec 11

ADVANCES


27/44

Balance Sheet Size

LIABILITIES Dec 10

Capital 635

Reserves and Surpluses 74374

Deposits 878979

Borrowings 110523

Other Liabilities & Provisions 67924

Total Liabilities 1132434

ASSETS Dec 10

Cash & balances with RBI 62795

Balance with banks & money at calland short notice 25194

Investments 273209

Advances 726649

Fixed Assets 4869

Other Assets 39717

Total Assets 1132434

Rs.Rs.Rs.Rs. in Crores

27

March 11 Dec 11 YOY Growth (%)

635 635 0.00

64351 74666 0.39

933933 1000965 13.88

119569 124158 12.34

105248 100985 48.67

1223736 1301407 14.92

March 11 Dec 11

YOY Growth

(%)

94396 71876 14.46

2847921236 (15.71)

295601 308476 12.91

756719 846266 16.46

4764 5224 7.28

43778 48330 21.69

1223736 1301407 14.92


28/44

Dec-10

Contribution of Resources -

Deposits

Borrowings

Cap & ResSub. Debt. Bonds

Other liabilities

77.6

7.2

6.6

2.6

Rs.1132435 crs

6.0

Dec-11

% Share

Deposits

BorrowingsCap & Res

Sub. Debt. Bonds

Other liabilities

In Percentages

6.9

76.8

5.8

2.7

Rs.1301408 crs

28

7.8


29/44

Rs. InRs. InRs. InRs. In crores / (%)

Asset Quality

1953523438 2532

10870

11695 1234

Mar 10 Dec 10 Mar

Net

Gross

(3.05)(3.17) (3.2

(1.72)(1.61)

(1.6

NPANPANPANPA

59.23PCR % 64.07 64.

29

6 2776833946

40098

12435

16120

18803

1 Jun 11 Sep 11 Dec 11

) (3.52)(4.61)

) (1.61)

(2.22)

67.25 63.50 62.52

(4.19)

(2.04)

5


30/44

FY11

Opening Level of NPAs 19535

Cash Recovery 3848

Up gradation4499

Write off 4007

Fresh Slippages 18145

Net Increase 5791

Closing Level of NPAs 25326

Recovery in W/o Accounts 966

Movement of NPAs

1FY12 Q2FY12 Q3FY12 9MFY12

5326 27768 33946 25326

1199 736 1026 2961

1877 1036 942 3855

604 320 41 965

6122 8270 8161 22553

2442 6178 6152 14772

7768 33946 40098 40098

30

Rs. In crores

173 225 237 636


31/44

Break-up of NPAs

Movement of NPAs

Sector

Mar 11 Dec 11

Amt.% of

NPAs

Amt.% of

NPAsLargeCorporate

353 0.32 1360 1.10

MidCorporate

6005 3.51 11689 5.54

SME 7833 5.34 11513 7.90

Agri 4524 6.37 7610 9.45

Retail 4358 2.65 4980 2.84

International 2253 2.06 2946 2.20

Total 25326 3.28 40098 4.61

31

Rs. In crores

21.729.2

32.128.7

15.9

19.0

20.212.4

8.5 7.3International

Agri.

Retail

SME

Large Corp

Mid-Corp

Dec 10 Dec 11

Sector NPAs to Total NPAs (%)


32/44

Particulars

Cash Recovery

Up-gradation

Write off

Gross Reduction

Fresh Slippages

Net Increase

Corp SME A

271 286 2

359 334 11

6 10

636 630 3

3948 2078 11

3312 1448 7

Sector-wise Movement of NP

ri Retail Intl. Total

6 177 56 1026

2 115 22 942

1 23 41

8 293 101 2009

6 403 606 8161

8 110 505 6152

32

Rs. In crores

As - Q3FY12 (1/2)


33/44

Particulars

Cash Recovery

Up-gradation

Write off

Gross Reduction

Fresh Slippages

Net Increase

Corp SME Ag

821 783 52

801 1107 85

6 491 10

1628 2381 14

8097 6283 45

6469 3902 30

Sector-wise Movement of NP

ri Retail Intl. Total

8 586 243 2961

4 965 128 3855

8 317 43 965

0 1868 414 7781

6 2490 1107 22553

6 622 693 14772

33

Rs. In crores

As 9MFY12 (2/2)


34/44

IndustryFresh Slip

Q1FY12 Q2

Agro Based 145 1

Iron and Steel 371 3Govt Sponsored 107 2

Engineering 89

Textiles 411 2

Aviation 0

Infrastructure 650Food Processing 0

Gems & Jewellery 117 2

Paper/ Plastics etc 79 1

Metal 0

Mining 41Automobiles 63

Sugar 0

Leather & Leather Prod. 0 1

Miscellaneous 1043 1

Grand Total 3677 4

NPA Position - Major Industries

ages during NPAs as on31.12.2011

Share %Y12 Q3FY12

68 225 2690 10.95

7 667 2562 10.434 108 2514 10.24

9 118 2042 8.31

9 462 1980 8.06

1184 1271 5.17

2 124 1247 5.0872 1070 4.36

19 57 830 3.38

2 322 735 2.99

1 83 583 2.37

9 78 366 1.493 55 260 1.06

1 148 181 0.74

4 89 128 0.52

12 2555 6103 24.85

97 6001 24562 100.0034

Rs. In crores


35/44

Year of

Restructuring

Outs

Grand Total

No. of A/Cs Amount

Upto Aug 08 1230 1373

2008-09 3494 6172

2009-10 2185 15650

2010-11 7631 5005

Apr 11 Dec 11 1829 3069

Total 16369 31269

Details of Standard Assets R

anding as on 31.12.2011

Standard Category NPA Category

No. ofA/Cs

AmountNo. ofA/Cs

Amount

1104 1308 126 65

2841 5574 653 597

1918 13498 267 2152

7257 3025 374 1980

1595 2662 234 408

14715 26067 1654 5202

35

estructured (1/4)

Amount Rs. In crores


36/44

Accounts Restructured: Total value

Slippages

As on Dec 10 Mar

Under RBI's Scheme 18395 18,3

Under Banks Scheme 14355 15,9

Total 32750 34,3

As on Dec 10 Mar 1

Under RBI's Scheme 2885 313

Under Banks Scheme 1537 200

Total 4422 513

% Slippages: 25.8%

Details of Standard Assets R

Rs In Crores

1 June 11 Sep 11 Dec 11

5 18,395 18,395 18395

4 16,518 17,027 19215

9 34,913 35,422 37610

1 June 11 Sep 11 Dec11

3728 4376 5920

2261 3375 3763

5989 7751 9683

36

estructured (2/4)


37/44

Slippages duri

Sectors/Industries Q3FY12 9MF

Textile 71 34

Iron & Steel 90 4Power - 41

Mining - -

Hotels & Restaurant 91 3

Engineering 1 4

Aviation 1184 11

Infra - -

Auto & Transport - 3

Readymade - -

Pharma - 4

Mfg - -

Sugar - -

Others 495 16

Grand Total 1932 45

Industry-wise details of Assets Restruc

g Break-up of Restructured Assetsas on 31th Dec 11

12 Standard NPAs Total

6 6296 358 6654

3 2444 559 30030 2234 23 2257

1641 71 1711

7 1267 168 1435

4 637 761 1398

4 0 1218 1218

993 129 1122

9 1020 45 1066

843 166 1008

0 883 75 958

819 105 923

780 101 880

61 6209 1424 7633

4 26067 5202 3126837

Rs. In crores

ured (3/4) contd.


38/44

Break-up of Others Slippages du

Sectors/Industries Q3FY12 9M

Paper 22

Non-ferrous Metals -

Chemicals 40

Food Processing -

CRE 24

Ceramics -

IT -Shares -

Shipping & transport -

Retail & Trading 19

Cement -

Forging -

Education inst -

Export -

Misc. 390 1

Others Total 495 1

Industry-wise details of Assets R

ing Break-up of Restructured Assetsas on 31th Dec 11

FY12 Standard NPAs Total

2 472 285 757

- 521 100 621

40 437 105 542

- 512 24 537

75 458 1 459

- 374 2 376

- 275 97 372- 369 0 369

- 369 0 369

65 285 47 332

- 274 0 275

- 224 46 269

- 206 19 224

- 42 161 203

399 1393 537 1930

661 6209 1424 763338

Rs. In crores

estructured (4/4) contd

E di F t i t


39/44

Expanding Footprint

No. of Group Branches

No. of SBI Domestic Br

No. of Overseas Branch

No. of ATMs for the Gro

No. of ATMs for SBI

Hits per day

No. of Debit Cards

No. of customers

No. of transactions

Registered mobile user

No. of transactions

% of total transactions

on alternate channels

Branches

ATMs

Debit Cards (in lacs)

Internet Banking(in lacs)

Mobile Banking(in lacs)

Alternate Channels

67% (9201) of SBI branches are in rural & semi-

17906 18,266 18674 768

nches 13294 13,542 13772 478

es 152 156 174 22

p 21990 25,005 26814 4824

17507 20,084 21774 4267

274 285 279 5

684 728 865 181

57.43 62.57 82.96 25.53

979.51 457.74 1813.52 834.01

s 5.77 10.13 27.66 21.89

30.94 51.85 124.12 93.18

27.20 27.66 31.60 440 bps

39rban areas

Dec 10 Mar 11 Dec 11 YOY Incr.

SBI G Fi i l 9MFY 11 2

(1/2)


40/44

SBI Group Financials 9MFY 11-

Parameter9MFY

RONW (%) (annualised) 13.7

ROA (%) (annualised) 0.8

Earning Per Share (Rs) 198.

NIM (%) 3.1

Expenses Ratio (%) 57.4

Gross NPA Ratio (%) 3.1

Net NPA Ratio (%) 1.5

Deposits (Rs. In crs) 11,79,

Advances (Rs. In crs) 9,59,9

2 (1/2)

11 9MFY12 Growth (% / bps)

1 14.77 106 bps

0.81 (4 bps)

1 216.29 9.12%

3.44 26 bps

4 50.83 (661 bps)

4.38 125 bps

2.18 62 bps

61 13,53,233 14.76%

91 11,22,127 16.89%

40

Consolidated Financials (2/2


41/44

Rs. In Crores

Consolidated Financials (2/2

Q3 FY11 Q3 FY1

29332 38160

17032 22942

12305 15217

7635 4996

19940 20214

4716 51366301 5108

11017 10244

8923 9969

5117 5541

3806 4428

96 110

3710 4318

Interest Earned

Interest Paid

Net Int. Income

Other Income

Operating Income

Staff Exp.

Overheads

Operating Expenses

Operating Profit

Provisions

Net Profit

Share of Minority

Net Profit- Group


30.1

34.7

23.7

(34.6)

1.4

8.9(18.9)

(7.0)

11.7

8.3

16.3

14.4

16.4

83564 107278 28.4

49448 65124 31.7

34117 42154 23.6

24136 16253 (32.7)

58253 58407 0.3

14116 15197 7.718874 14493 (23.2)

32990 29690 (10.0)

25263 28718 13.7

15552 17979 15.6

9711 10739 10.6

271 438 61.6

9440 10301 9.141

Highlights of Non Banking S bsidiaries(1/2)


42/44

SBI Cards & Payment Services Pvt. Ltd

SBI Funds Management Pvt Ltd

PAT : Rs.265 crores as on 31.12.2011 (RRenewal premium : Rs. 4111 crores (YoAUM : Rs.41,186 crores

New business premium : Rs. 3770 crores

Highlights of Non-Banking S

SBI Life Insurance Company Ltd.

PAT : Rs.34.20 crores as on Dec-11againIssued 2.74 lacs Cards in the current yea

PAT : Rs. 53.49 crores ( Rs. 61.79 croresAverage AUM reached Rs. 41,552 croresRanked sixth in industry.

.

.301 crores as on 31.12.2010).growth 33.2%)

(YOY growth -20%)

bsidiaries(1/2)

t a loss of 0.20 crs in Dec-10.taking the total no. to 21.45 lacs.

as on 31.12.2010)( Market share: 6.10% ).

42

Highlights of Non Banking S bsidiaries(2/2)


43/44

SBI DFHI Ltd.

SBI Pension Fund Pvt Ltd

PAT : Rs. 30.73crores on 31.12.2011.Trading Income increased by 221% Q-o-Q

AUM : Rs. 5,181.94 crores as on 31.12.2011Highest share of AUM in Organized SectorHighest NAV in 6 schemes out of 9 vis--vis

PAT: Rs. 165.62 crores on 31.12.2011.Ranked No.1 in Rights Issue category byRanked No.1 in Qualified Institutional Plac

SBI Capital Markets Ltd

Highlights of Non-Banking S

.

40.26%) and Informal Sector (61.10%)other Pension Fund Managers.

rime database for Q2FY12.ement by Bloomberg.

bsidiaries(2/2)

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Documents

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