Public Sector Bank: State Bank Of India

PUBLIC SECTOR BANK

State Bank of India FY 2005-06 RESULTS August 25, 2009

Presented by:• • • • • • • •

Prashant sharma Sutrishna Sayan das Namrata Shivangi Shweta Soni kumari Ashish

August 25, 2009

Introduction

August 25, 2009

August 25, 2009

August 25, 2009

FY02-03

FY03-04

FY 04-05

FY 05-06

FY03-04

FY 04-05

4,407

3,681

3,105 FY02-03

4,304

Net Profit

Rs. in Crores

11,299

10,990

9,553

7,775

Operating Profit

FY05-06

As on Mar 06,  Operating Profit (Excl. Profit on sale of Invest & Dividend) increased by 17.83% August 25, 2009  Net Profit increased by 2.37% 3

Profitability Analysis-State Bank of (Rs in crores) (Note: Percentages indicate YOY growth)India Net Interest Income Non Interest Income Operating Expenses Operating Profit Provision Net Profit

August 25, 2009

FY 03-04

FY 04-05

FY 05-06

11186

13945

15636

12.11%

24.66%

12.13%

7612

7120

7389

32.62%

-6.47%

3.78%

9245

10074

11725

16.40%

8.97%

16.39%

9553

10990

11299

22.87%

15.04%

2.81%

5872

6686

6893

25.74%

13.85%

3.09%

3681

4304

4407

18.55%

16.94%

2.37%

SELECT FINANCIAL RATIOS (%) Ratios Earning Per Share (Annualized)(Rs.)

FY 04-05 H1 FY06

FY 06

NIM excl. one-time items

81.79 0.99 18.10 3.39 3.12

92.65 1.03 18.39 3.44 3.13

83.73 0.89 15.47 3.40 2.92

Other Income to Total Net Inc.(% )

33.80

26.75

32.09

Op.Expenses to Total Net Inc.(% )

47.83

49.48

50.92

Return on Average Assets (% ) Return on Shareholders Equity (% ) Net Interest Margin (% )

Op. Expenses to Total Net Inc.(Excl.one-time income) August 25, 2009

Capital Adequacy Ratio (% )

50.49 52.99 58.70 SBI FINANCIAL STATEMENTS 12.45 11.30 11.88

August 25, 2009

August 25, 2009

Outcomes – Banking: Capital Structure (at end-March 2005, per cent) Bank State Bank of India Oriental Bank of Commerce Dena Bank Bank of Baroda Bank of India Corporation Bank State Bank of Bikaner & Jaipur State Bank of Travancore Syndicate Bank Indian Overseas Bank Vijaya Bank Andhra Bank Punjab National Bank Union Bank of India Allahabad Bank Canara Bank UCO Bank August 25, 2009 Bank of Maharashtra

Date of first trading in NSE 24-Oct-94

Government’s / RBI’s Share (%) 59.7

Share of others (%)

8-Feb-95 22-Jan-97 26-Feb-97 7-May-97 5-Dec-97 4-Feb-98 3-Mar-98 27-Dec-99 13-Dec-00 10-Jan-01 4-Apr-01 26-Apr-02 24-Sep-02 29-Nov-02 23-Dec-02 9-Oct-03 12-Apr-04

66.5 51.2 66.8 69.5 57.2 75.0 76.1 73.5 61.2 53.9 62.5 57.8 60.9 71.2 73.2 75.0 76.8

33.5 48.8 33.2 30.5 42.8 25.0 23.9 26.5 38.8 46.1 37.5 42.2 39.1 28.8 26.8 25.0 23.2

40.3

August 25, 2009

Performance Drivers : 650

Retail Loans : Key Driver 610.67

550 464.51

Rs. in Billions

450 318.25

331.50 350 249.88

250

170.82 150

50

-50 Retail Loans

August 25, 2009

FY 03-04

FY 04-05

Home Loans

FY 05-06

 Retail Loans - 23% of Bank’s total loan book as of March 2006 (as against 15% in 2002)  Housing loans - 52% of Retail Loans as of March 2006 – Gross NPLs around 3% 10

August 25, 2009

State Bank of India Composition of Domestic Deposits March 06

March 05(Excl. IMDs) Current Account 10%

Term Deposits 60%

Current Account 11%

Savings Bank 30%

Savings Bank 32%

Term Deposit 57%

August 25, 2009 11

State Bank of India Composition of Bank’s Loan Book As on March 2006

Agri. 10%

Intl. Op'ons 10%

August 25, 2009

Other Corps (SM E) 7%

SIB(SM E) 10%

Food 3%

M id Corporates 24%

T op Corporates 12%

Retail 23%

53% of Total Loan to Corporates 12

State Bank of India Contribution to loan growth by different segments – April 2005 to March 2006 35.00%

5.00%

-4%

14%

10.00%

10%

4%

15.00%

4%

26%

20.00%

13%

25.00%

33%

30.00%

0.00% -5.00% Mid Corp

August 25, 2009

Retail

Other Corp.(SME)

Agri.

SME

International Ops.

Top Corporates

Food

64% of Total Loan growth contributed by Retail, Agri & SME segments

13

August 25, 2009

Thank you

August 25, 2009