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Annual Results FY 2011-12

THE BANKER TO EVERY INDIAN. Annual Results FY 2011-12. Healthy Growth in NII and Operating Profit - a Snapshot (1/2). Q4 FY11. Q4 FY12. YOY Gr.%. FY11. FY12. YOY Gr.%. Rs. In Crores. Net Profit up by 42% - a Snapshot (2/2). Rs. In Crores. Q4 FY11. Q4 FY12. YOY Gr.%.

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Annual Results FY 2011-12

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  1. THE BANKER TO EVERY INDIAN Annual Results FY 2011-12

  2. Healthy Growth in NII and Operating Profit - a Snapshot (1/2) Q4 FY11 Q4 FY12 YOY Gr.% FY11 FY12 YOY Gr.% Rs. In Crores

  3. Net Profit up by 42% - a Snapshot (2/2) Rs. In Crores Q4 FY11 Q4 FY12 YOY Gr.% FY11 FY12 YOY Gr.%

  4. Components of Interest Income Rs. In Crores Q4 FY11 Q4 FY12 YOY Gr.% FY11 FY12 YOY Gr.% Other Interest Income includes IT Refund of Rs.556 crores in FY11 and Rs.133 crores in FY12.

  5. Components of Interest Expenses Rs. In Crores Q4 FY11 Q4 FY12 YOY Gr.% FY11 FY12 YOY Gr.% Other Sundry Interest Paid includes Interest of Rs.3395 crores paid on Tier II bonds of Rs.34671 crores as on 31.03.2012.

  6. Components of Other Income Q4 FY11 Q4 FY12 YOY Gr.% FY11 FY12 YOY Gr.% Rs. In Crores

  7. Components of Fee Income Q4 FY11 Q4 FY12 YOY Gr.% FY11 FY12 YOY Gr.% Rs. In Crores

  8. Growth in Operating Expenses Contained Rs. In Crores Q4 FY11 Q4 FY12 YOY Gr.% FY11 FY12 YOY Gr.% * Includes write back of Rs.8 crores on account of excess provision on Bonus

  9. Components of Overheads Q4 FY11 Q4 FY12 YOY Gr.% FY11 FY12 YOY Gr.% Rs. In Crores

  10. Profitability : Domestic & Foreign Offices (1/4) Indian Offices Foreign Offices Rs. In Crores Q4 FY11 Q4 FY12 YOY Gr.% Q4 FY11 Q4 FY12 YOY Gr.%

  11. Operating Profit :Domestic & Foreign Offices (2/4) Indian Offices Foreign Offices Rs. In Crores Q4 FY11 Q4 FY12 YOY Gr.% Q4 FY11 Q4 FY12 YOY Gr.%

  12. Profitability : Domestic & Foreign Offices (3/4) Indian Offices Foreign Offices Rs. In Crores FY11 FY12 YOY Gr.% FY11 FY12 YOY Gr.%

  13. Operating Profit :Domestic & Foreign Offices (4/4) Indian Offices Foreign Offices Rs. In Crores FY11 FY12 YOY Gr.% FY11 FY12 YOY Gr.%

  14. Efficiency Ratios: Domestic & Foreign Offices (1/3) Rs. In Crores *annualised # based on weighted average of Equity infusion of Rs.7900 crores on 30.03.2012

  15. Efficiency Ratios: Domestic & Foreign Offices (2/3) Rs. In Crores #based on weighted average of Equity infusion of Rs.7900 crores on 30.03.2012

  16. Efficiency Ratios – (3/3) ( in % ) Mar 11 Mar 12 Change (bps) Mar 11 Mar 12 Change (bps)

  17. QuarterlyMovement in Income Parameters Rs. In crores (Sequential Growth %) (1 ) (10) (8) (20) (12) (11) (-11) (32) (9) (3) (19) (-3) (6) (18) (4) (-10) (24) (16) (78) (56) (13) (-14) (7484) (-99)

  18. Steady Increase in Net Interest Margin ( in % ) Cumulative NIM – Whole Bank

  19. Domestic : Costs & Yields ( in % ) Yield on Advances /Yield on Assets Cost of Deposits Yield on Advances Yield on Investments Yield on Assets Cost of Funds

  20. International : Costs & Yields ( in % ) Yield on Advances /Yield on Assets Cost of Deposits Cost of Deposits Yield on Advances Yield on Investments Cost of Funds Yield on Assets Cost of Funds

  21. Corporate Citizen Rs. In crores Income Tax Paid FY 11: 6160 FY12: 6134 Total Tax Paid 7329 7422 7647 Other Taxes Income Tax

  22. Revenue & Expenditure ( in % ) RUPEE EARNED RUPEE SPENT Transfer to Res. Other Provisions Sundry Intt Income Tax Overheads Staff Expenses Interest on Borr. Interest on dep. Mar 11 Mar 12 Mar 11 Mar 12

  23. Retail Deposits drive Growth Mar 11 YOY Gr.% Mar 12 YOY Gr Amt Rs. In Crores *March-11 figures are PF deposits adjusted (Rs.23259 crores in Mar-11, NIL as on Mar-12).

  24. Customer Acquisition Growth Accelerated Number of Accounts (in lacs) Current Account Saving Bank YOY 16.7% YOY 6.0% 18.7% CAGR 7.0% CAGR 219 lac new accounts in FY12 1.5 lac new accounts in FY12

  25. Diversified Exposure across Sectors ( Share %) Rs. In Crores 2 3 15 20 14 13 21 16 12 19 16 14 21 Total 771802 893613 14

  26. Composition of Advances Growth (1/2) Growth YOY Rs. In crores Whole Bank Domestic 14.4% 15.8% International Agri 24.1% 23.3% Growth in $ terms is 8.8%

  27. Composition of Advances Growth (2/2) Growth YOY Rs. In crores Large Corporate Mid Corporate 6.4% 15.0% SME Retail 16.3% 10.9%

  28. Diversified Exposure across Industries Rs. In crores * Share % to Loan Book of the Bank

  29. Infrastructure Credit Share % Rs. In crores 12 14 20 18 19 25 49 43 Total Infra 70587 76503

  30. Market Leader in Retail Advances Break-up of Retail Rs. In crores Total 89913 102739

  31. Agri Advances Share % Break-up of Direct Agri Across Sectors Agri Advances (Direct and Indirect) are 17.60% of ANBC

  32. CD Ratio & Market Share ( in % ) CD RATIO ADVANCES DEPOSITS

  33. Balance Sheet Size Rs. In crores Deposits: 78.1% of total resources Net Advances: 65.0% of Total Assets

  34. Contribution of Resources - % Share ( in % ) 3.5 2.6 5.8 6.3 2.8 9.5 5.3 9.8 78.2 76.3 Mar 11 Mar 12 Total 1223736 1335519

  35. Capital Adequacy 13.39% 11.98% 13.86% CAR Tier II Tier I

  36. Asset Quality Rs. In crores / (%) Sequentially Gross NPA Ratio is down by 17 bps and Net NPA Ratio by 40 bps. 2.22% 1.82% 2.04% NPA 1.61% 1.63% 1.72% 4.61% 4.44% 4.19% 3.28% 3.52% Provision Coverage % 59.23 64.95 67.25 63.50 62.52 68.10

  37. Movement of Net NPAs ( in % )

  38. Movement of NPAs (1/2) Rs. In Crores

  39. NPAs by Sector Rs. In crores Break-up of NPAs Sector NPAs to Total NPAs (%)

  40. Sector-wise Movement of NPAs – Q4FY12 (1/2) Rs. In crores

  41. Sector-wise Movement of NPAs – FY12 (2/2) Rs. In crores

  42. NPA Position - Major Industries Rs. In crores

  43. Details of Standard Assets Restructured (1/4) Rs. In crores

  44. Details of Standard Assets Restructured (2/4) Rs. In Crores Total restructured (Rs./ crs) - FY 10 ; 27657 : NPA – 1032 (3.73%) FY 11 ; 30783 : NPA – 2146 (6.97%)

  45. Industry-wise details of Standard Assets Restructured (3/4) Rs. In Crores

  46. Break-up of Other Industries Restructured (4/4) Rs. In Crores

  47. Manpower Planning

  48. Branch Expansion

  49. Expanding Footprint Branches ATMs Debit Cards Internet Banking Mobile Banking Merchant Acquiring Alternate Channels • 66.52% (9377) of SBI branches are in rural & semi-urban areas

  50. Balance Sheet Size - Consolidated Rs. In crores

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