State Bank of India

Comparison of Performance (Abridged Profit and Loss A/c) - FY 12-13

2011-12
Interest on Advances
Int on Resources Operations
Others Sundry Interest
Total Interest Income
Interest on Deposits
Interest on Borrowings
Others Sundry Interest
Total Interest Expenses
Net Interest Income
Commission, Exc. Brokerage
Profit on Sale / Rev of Investments
Forex Income
Dividend
Income From Leasing
Others Other Income
Total Non-Interest Income
Total Operating Income
Payment to Employees
Contribution for Employees
Total Staff Expenses
Rent, Taxes, Lighting
Depreciation on Property
Others
Total Overhead Expenses
Total Operating Expenses
Operating Profit
Income Tax Provisions
Loan Loss Provisions
Investment Depreciation

Standard Assets Provision

Other Provisions
Total Provisions
Net Profit

H1
38045.23
11532.59
646.50
50224.32
26573.09
1665.44
1804.53
30043.07
20181.26
5233.25
196.96
811.85
251.98
0.07
407.57
6901.67
27082.93
6449.03
1612.73
8061.76
981.70
440.26
2882.46
4304.42
12366.18
14716.75
2780.37
5702.89
1506.20
409.20
-75.89
10322.77
4393.98

Q3
20891.36
6573.23
249.76
27714.35
14249.67
1030.39
915.49
16195.55
11518.80
2641.53
-1090.36
285.52
0.00
0.03
236.30
2073.02
13591.82
3358.53
804.75
4163.28
508.42
266.49
1393.62
2168.53
6331.81
7260.01
1589.54
3006.11
-869.86
194.74
76.44
3996.97
3263.04

9M
58936.60
18105.82
896.26
77938.68
40822.76
2695.83
2720.02
46238.62
31700.06
7874.78
-893.41
1097.37
251.98
0.10
643.87
8974.69
40674.75
9807.56
2417.48
12225.04
1490.12
706.75
4276.09
6472.96
18697.99
21976.75
4369.91
8709.00
636.34
603.94
0.55
14319.74
7657.02

2012-13
Q4
FY 12
Q1
Q2
H1
Q3
9M
22141.10
81077.70 22134.62 22538.08 44672.70 22800.19 67472.89
6193.80
24299.61
6530.20
6832.69 13362.89
7181.71 20544.60
247.88
1144.14
257.62
236.07
493.70
361.72
855.42
28582.77 106521.45 28922.44 29606.85 58529.29 30343.62 88872.91
14821.60
55644.37 15957.32 16916.47 32873.79 17173.33 50047.12
1189.81
3885.64
923.80
711.40
1635.19
1116.37
2751.56
980.33
3700.35
916.74
1005.15
1921.89
899.46
2821.35
16991.75
63230.37 17797.85 18633.02 36430.87 19189.16 55620.04
11591.02
43291.08 11124.59 10973.83 22098.41 11154.46 33252.88
4216.12
12090.90
2602.71
2449.18
5051.89
2558.67
7610.57
-26.34
-919.74
220.99
230.15
451.14
417.83
868.97
334.82
1432.19
456.62
319.77
776.39
440.10
1216.49
515.38
767.35
12.25
66.62
78.87
0.00
78.87
0.00
0.10
0.07
0.00
0.07
0.05
0.12
336.77
980.64
200.41
280.90
481.31
231.84
713.14
5376.76
14351.45
3493.05
3346.62
6839.67
3648.49 10488.16
16967.78
57642.53 14617.64 14320.45 28938.09 14802.95 43741.03
3695.69
13503.25
3456.12
3579.01
7035.13
3608.10 10643.23
1053.31
3470.79
681.00
701.18
1382.18
743.13
2125.31
4749.00
16974.04
4137.12
4280.19
8417.31
4351.23 12768.54
575.29
2065.41
518.98
623.87
1142.85
612.60
1755.44
300.42
1007.17
201.51
279.62
481.13
312.67
793.80
1746.29
6022.37
1583.36
1783.12
3366.48
1735.69
5102.18
2621.99
9094.95
2303.85
2686.61
4990.46
2660.96
7651.42
7371.00
26068.99
6440.97
6966.80 13407.77
7012.19 20419.96
9596.78
31573.54
8176.67
7353.65 15530.32
7790.76 23321.08
2406.11
6776.02
1968.78
1869.91
3838.69
1726.79
5565.48
2836.85
11545.85
2790.27
1837.18
4627.45
2766.19
7393.64
27.36
663.70
-520.65
-260.06
-780.71
-129.02
-909.73
374.87
978.81
169.27
250.19
419.46
63.23
482.69
-98.68
-98.14
17.44
-1.71
15.73
-32.49
-16.76
5546.51
19866.25
4425.11
3695.51
8120.62
4394.70 12515.32
4050.27
11707.29
3751.56
3658.14
7409.70
3396.06 10805.76

Q4
FY13
23064.21
90537.10
7201.17
27745.77
518.81
1374.23
30784.19 119657.10
17417.42
67464.55
1372.54
4124.11
915.80
3737.14
19705.76
75325.80
11078.43
44331.30
3873.15
11483.72
229.17
1098.13
475.13
1691.62
636.65
715.51
0.43
0.55
332.16
1045.31
5546.68
16034.84
16625.11
60366.15
4707.48
15350.71
904.88
3030.19
5612.36
18380.90
683.40
2438.84
345.81
1139.61
2222.90
7325.07
3252.10
10903.52
8864.46
29284.42
7760.65
31081.72
280.43
5845.91
3974.15
11367.78
-51.56
-961.29
266.92
749.60
-8.52
-25.28
4461.42
16976.74
3299.22
14104.98

Financial Ratios (In Percentages) / Rs. In Crore

Return on Average Assets
Return on Equity
Capital Adequacy Ratio (Basel I)
Tier I Capital Adequacy Ratio
Capital Adequacy Ratio (Basel II)
Tier I Capital Adequacy Ratio
Earning per Share (Annualised in Rs.)
Cost of Deposits
Yield on Advances
Yield on Res.Dep
Net Interest Margin
Cost to Income Ratio
Non-Interest Income / Op. Inc.
Gross NPA Ratio
Net NPA Ratio
Gross NPAs
Net NPAs
Provision Cover (Excl AUCA)
Provision Cover (Incl. AUCA)
Deposits
Gross Advances
Net Advances

0.69
12.78
10.31
6.75
11.40
7.47

0.79
14.17
10.19
6.66
11.60
7.59

0.88
16.05
12.02
8.47
13.86
9.79

1.03
17.60
11.50
8.18
13.14
9.35

1.00
16.66
11.17
7.92
12.63
8.97

0.95
15.61
10.70
7.61
12.21
8.66

0.91
15.94
11.22
8.23
12.92
9.49

138.39

160.78

184.31

223.62

220.84

214.71

210.06

5.83
10.78
7.33
3.71
45.66
25.48
4.19
2.04
33946
16120
52.51%
63.50%
973171
810612
790601

5.90
10.93
7.53
3.84
45.97
22.06
4.61
2.22
40098
18803
53.11%
62.52%
1000965
869393
846266

5.95
11.05
7.51
3.85
45.23
24.90
4.44
1.82
39676
15819
60.13%
68.10%
1043647
893613
867579

6.24
10.86
7.52
3.57
44.06
23.90
4.99
2.22
47156
20324
56.90%
64.29%
1102926
945819
916841

6.30
10.87
7.52
3.45
46.33
23.64
5.15
2.44
49202
22615
54.04%
62.78%
1133644
956000
926919

6.31
10.75
7.53
3.40
46.68
23.98
5.30
2.59
53458
25370
52.54%
61.49%
1156691
1009110
978115

6.29
10.54
7.54
3.34
48.51
26.56
4.75
2.10
51189
21956
57.11%
66.58%
1202740
1078557
1045617

Growth FY 13 Over Growth Q4FY13

FY12
Over Q3FY13
Amount
%
Amount
%
264.02
1.16
9459.40
11.67
19.45
0.27
3446.15
14.18
157.09
43.43
230.09
20.11
13135.65
12.33
440.57
1.45
244.09
1.42
11820.18
21.24
256.17
22.95
238.46
6.14
16.34
1.82
36.79
0.99
12095.43
19.13
516.60
2.69
1040.22
2.40
-76.04
-0.68
51.37
-607.19
-5.02 1314.47
-45.15
2017.88 219.40 -188.66
35.03
7.96
259.42
18.11
636.65 #DIV/0!
-51.84
-6.76
0.38
700.00
0.46 471.90
100.33
43.28
64.66
6.59
1683.40
11.73 1898.20
52.03
2723.62
4.73 1822.16
12.31
30.47
1847.46
13.68 1099.39
161.75
21.77
-440.60
-12.69
1406.86
8.29 1261.14
28.98
70.80
11.56
373.43
18.08
33.13
10.60
132.44
13.15
487.21
28.07
1302.70
21.63
1808.57
19.89
591.14
22.22
3215.43
12.33 1852.27
26.42
-491.82
-1.56
-30.11
-0.39
-83.76
-930.10
-13.73 -1446.36
43.67
-178.07
-1.54 1207.96
77.46
60.04
-1624.99 -244.84
203.69
322.14
-229.21
-23.42
23.97
73.79
72.86
74.24
-2889.51
-14.54
66.72
1.52
2397.70
20.48
-96.83
-2.85

Growth Q4FY13
Over Q4FY12
Amount
%
923.11
4.17
1007.37
16.26
270.94 109.30
2201.41
7.70
2595.82
17.51
182.73
15.36
-64.54
-6.58
2714.01
15.97
-512.60
-4.42
-342.98
-8.13
255.50 970.15
140.31
41.90
121.27
23.53
0.43 -26950.0
-4.61
-1.37
169.93
3.16
-342.67
-2.02
1011.79
27.38
-148.43
-14.09
863.36
18.18
108.11
18.79
45.39
15.11
476.61
27.29
630.11
24.03
1493.47
20.26
-1836.14
-19.13
-2125.67
-88.34
1137.29
40.09
-78.92 -288.41
-107.95
-28.80
90.17
91.37
-1085.09
-19.56
-751.05
-18.54