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THE B
uarterly Results
Q3 FY 2012
NKER TO EVERY INDIAN
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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
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Net Profit up by 15% - a Sn
Q3 FY11 Q3 FY1
Operating Profit 6764 7260
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)
YOY Gr.% 9M FY11 9M FY12 YOY Gr.%
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
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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
Operating Profit 6180 6601
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.%
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Operating Profit :Domestic & Fo
Indian Of
Rs. In Crores
Q3 FY11 Q3 FY1
Operating Profit 6180 6601
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
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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
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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)
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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%
YOY Gr.% 9M FY11 9M FY12 YOY Gr.%
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
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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
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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
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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
YOY Gr.% 9M FY11 9M FY12 YOY Gr.%
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.
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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.
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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%
YOY Gr.% 9M FY11 9M FY12 YOY Gr.%
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
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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%
YOY Gr.% 9M FY11 9M FY12 YOY Gr.%
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
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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
Mar11 Jun11 Sep11 Dec11Dec 10
Interest Spread up by 65 bps
Yield on Advances
Interest Spread
15
9.58 9.56
10.43
10.78 10.93
Mar11 Jun11 Sep11 Dec11Dec 10
4.38 4.30
4.774.95 5.03
Mar11 Jun11 Sep11 Dec11Dec 10
In percentage
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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
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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.
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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
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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
Dec 10 Mar 11 Dec 11
24.4324.60
25.73
Current Account
0.38 lac new accounts in Q3FY12
19
in lacs
h Accelerated
5% YOY
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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
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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
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Dec 10 Mar 11 Dec 11
739971
771802
869393
Dec 10 Mar 11 Dec 11
156693
164576
175322
Whole Bank
Retail
Composition of Advances G
17.49%
11.89%
Dec 10 Mar 11 Dec 11
629409
662444
735331
Dec 10 Mar 11 Dec 11
87025
94826
101882
Domestic
Agri
22
owth (1/2)
17.07%
16.83%
GrowthYOY
Rs. In crores
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Dec 10 Mar 11 Dec 11
105801
108741
123118
Dec 10 Mar 11 Dec 11
110562 109358
134063
Large Corporate
International
Composition of Advances G
16.37%
21.26%
Dec 10 Mar 11 Dec 11
148626
157566
166068
Dec 10 Mar 11 Dec 11
109362119676
132677
Mid Corporate
SME
23
owth (2/2)Growth
YOY
11.74%
21.32%
Rs. In crores
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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
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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
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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
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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
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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
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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
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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
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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 (%)
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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)
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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)
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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
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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
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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)
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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.
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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
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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)
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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
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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
YOY Gr.% 9M FY11 9M FY12 YOY Gr.%
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)
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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)
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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)
43
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44
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