State Bank of India

Comparison of Performance (Abridged Profit and Loss A/c) - FY 09-10

Growth Q4FY 10 Growth FY10 Over
2007-08 2008-09 2009-10 Over Q4FY 09 FY09
FY Q4 FY 09 Q4 FY Amount % Amount %
Interest on Advances 35228.11 12083.61 46404.71 12967.32 50632.64 883.71 7.31 4227.92 9.11
Int on Resources Operations 13144.24 5088.16 16973.73 4669.99 19248.22 -418.17 -8.22 2274.49 13.40
Others Sundry Interest 577.96 170.62 409.99 328.28 1113.06 157.66 92.41 703.08 171.49
Total Interest Income 48950.31 17342.39 63788.43 17965.59 70993.92 623.20 3.59 7205.49 11.30
Interest on Deposits 27072.58 11387.49 37936.85 10297.05 43334.29 -1090.44 -9.58 5397.44 14.23
Interest on Borrowings 2938.43 91.57 2555.01 288.14 1228.05 196.57 214.65 -1326.96 -51.94
Others Sundry Interest 1918.06 1021.39 2423.44 658.95 2760.14 -362.44 -35.48 336.71 13.89
Total Interest Expenses 31929.07 12500.45 42915.29 11244.14 47322.48 -1256.31 -10.05 4407.18 10.27
Net Interest Income 17021.24 4841.94 20873.14 6721.45 23671.44 1879.51 38.82 2798.30 13.41
Commission, Exc. Brokerage 5914.25 3391.87 7617.24 3485.80 9640.86 93.93 2.77 2023.62 26.57
Profit on Sale / Rev of Investments 946.34 1508.87 2567.29 425.59 2116.79 -1083.27 -71.79 -450.50 -17.55
Forex Income 692.70 382.79 1179.25 189.48 1587.14 -193.31 -50.50 407.89 34.59
Dividend 197.41 7.57 409.60 47.11 573.48 39.54 522.62 163.88 40.01
Income From Leasing 31.86 1.83 26.67 -4.83 9.19 -6.67 -363.54 -17.48 -65.56
Others Other Income 912.36 -574.70 890.75 365.38 1040.70 940.08 163.58 149.95 16.83
Total Non-Interest Income 8694.92 4718.23 12690.79 4508.53 14968.15 -209.70 -4.44 2277.36 17.94
Total Operating Income 25716.16 9560.17 33563.93 11229.98 38639.59 1669.81 17.47 5075.66 15.12
Payment to Employees 7212.25 1861.88 8213.31 2826.61 10688.60 964.73 51.81 2475.28 30.14
Contribution for Employees 573.61 487.72 1534.00 765.15 2066.05 277.43 56.88 532.05 34.68
Total Staff Expenses 7785.86 2349.60 9747.31 3591.76 12754.65 1242.16 52.87 3007.33 30.85
Rent, Taxes, Lighting 993.42 391.17 1295.14 433.96 1589.57 42.79 10.94 294.44 22.73
Depreciation on Property 679.98 234.06 763.14 347.31 932.66 113.25 48.39 169.52 22.21
Others 3149.35 1308.27 3843.11 1663.06 5041.80 354.78 27.12 1198.68 31.19
Total Overhead Expenses 4822.75 1933.51 5901.39 2444.33 7564.03 510.83 26.42 1662.64 28.17
Total Operating Expenses 12608.61 4283.11 15648.70 6036.09 20318.68 1752.98 40.93 4669.98 29.84
Operating Profit 13107.55 5277.05 17915.23 5193.88 18320.91 -83.17 -1.58 405.68 2.26
Income Tax Provisions 3709.78 1157.08 5059.42 977.88 4760.04 -179.20 -15.49 -299.38 -5.92
Loan Loss Provisions 2000.94 1296.25 2474.97 2186.77 5147.84 890.52 68.70 2672.87 108.00
Investment Depreciation -88.68 -127.55 707.17 35.56 -968.60 163.11 127.88 -1675.77 -236.97
Standard Assets Provision 566.97 16.57 234.82 72.46 80.06 55.89 337.28 -154.76 -65.91
Other Provisions 189.42 192.39 317.61 54.61 135.52 -137.78 -71.61 -182.09 -57.33
Total Provisions 6378.43 2534.74 8793.99 3327.29 9154.87 792.55 31.27 360.88 4.10
Net Profit 6729.12 2742.31 9121.24 1866.60 9166.05 -875.71 -31.93 44.81 0.49
Financial Ratios (In Percentages) / Rs. In Crore
Return on Average Assets 1.01 1.04 0.88
Return on Equity 17.82 15.07 14.84
Capital Adequacy Ratio (Basel I) 13.54 12.97 12.01
Tier I Capital Adequacy Ratio 9.14 8.53 8.46
Capital Adequacy Ratio (Basel II) 14.25 13.39
Tier I Capital Adequacy Ratio 9.38 9.45
Earning per Share (Annualised in Rs.) 126.62 143.77 144.37
Cost of Deposits 5.59 6.30 5.80
Yield on Advances 9.90 10.15 9.66
Yield on Res.Dep 6.92 7.10 6.52
Net Interest Margin 3.07 2.93 2.66
Cost to Income Ratio 49.03 46.62 52.59
Non-Interest Income / Op. Inc. 33.81 37.81 38.74
Gross NPA Ratio 3.04 2.86 3.05
Net NPA Ratio 1.78 1.79 1.72
Gross NPAs 12837 15714 19535
Net NPAs 7424 9677 10870
Provision Cover (Excl AUCA) 42.17% 38.42% 44.36%
Provision Cover (Incl. AUCA) 56.98% 59.23%
Deposits 537405 742073 804116
Gross Advances 422308 548540 641480
Net Advances 416895 542144 631914