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SBI STAND ALO

Operating Prof

against a growt

Net Profit is lo

FY10 over FY

provisions and

FY 11 Vs FY 10

NII increased b

in FY10 over F

Driven by loa

increased by 1

Growth in Inter

deposits growt

Non Interest In

declining by R

interest income

Fee income is

Growth in Ope

of 29.84% in th

o Growth in st

Gratuit

FY10)

Higher

(Rs.19

Rs.792

been t

State Bank of India

PRESS RELEASEFY 2010-11

E RESULTS

it recorded a YOY growth of 38.29% in

h of 2.26% recorded in FY10 over FY09.

er by 9.84% in FY11 over FY10 against a

09 mainly due to higher pension, gratu

standard assets provision on special home

y 37.41% in FY11 over FY10, against an i

09.

n growth of 20.32%, interest income

.45% YOY against a growth of 9.11% in F

est expenses was contained at 3.27% m

of 22.14%.

come is up by 5.72% despite profit on s

.1196 crores. Excluding profit on sale of

is up by 15.97%.

p by 20% YOY.

ating Expenses is lower at 13.27% in FY1

e previous year.

aff expenses contained at 13.53% -

provisions of Rs.1565 crores made in FY1

current year pension provisions of Rs.24

8 crores in FY10).

7 crores of pension liability on account of

ken through the Capital Account for the pe

FY11 over FY10

rowth of 0.49% in

ity and loan loss

loan schemes.

crease of 13.41%

n advances has

10.

inly due to CASA

le of investments

investments, non-

against a growth

1 (Rs.46 crores in

3 crores in FY11

age revision has

iod upto Mar 10.

8/6/2019 1305640089870_PRESS_RELEASE_FY11

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o Growth in

against a gr

Bank has provi

special home l

Loan loss provi

crores IRAC

(countercyclical

Q4FY11 Vs Q4F

Interest Incom

Q4FY10 over

Interest paid o

on term deposi

NII increased b

Growth in non-i

sale of investm

Operating exp

by 17.46%. Co

to employees i

control with a

Q4FY10.

Total provision

TOTAL BUSINES

Business Grow

1,29,817 crore

DEPOSITS

Deposits of th

9,33,933 crore

CASA growth o

Savings Bank

2

overheads was significantly lower at 12.

owth of 28.17% in FY10.

ded additional Rs.500 crores as standard a

an schemes.

ision of Rs.8792 crores made during FY11

provisions and Rs.2330 crores ad

l provisioning buffer).

10

on advances up by 25.37% against a g

4FY09.

deposits is up by 15.98% due to increas

ts.

y 19.89%.

nterest income at 6.81% was impacted by

ents by 21.35%.

nses increased by 12.55% due to increas

tribution for employees increased by 17.6

creased by 17.40%. Overheads of the Ba

growth of 5.35% in Q4FY11 against a gr

went up by 82.10% during the quarter.

S GROWTH OF Rs. 2,60,139 CRORES (Y

th of Rs.2,60,139 crores at the end of Ma

& advances Rs.1,30,322 crores).

Bank went up from Rs.8,04,116 crores

s in Mar 11 recording a YOY growth of 1

f 22.14% while term deposits are up by 12.

eposits grew by 26.20% YOY.

84% in FY11 as

ssets provision for

includes Rs.6462

itional provision

rowth of 7.31% in

e in interest rates

ecline in profit on

in staff expenses

%, while payment

k remained under

wth of 26.42% in

OY)

11 (Deposits Rs.

in Mar 10 to Rs.

6.14%, driven by

79%.

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CASA ratio ha

Mar 2011 an in

Market share i

10), increased

deposits at 18.

ADVANCES

Gross Advanc

Rs.6, 41,480 cr

Credit Deposit

from 73.56%

sequentially itgrowth in depo

Large Corporat

Rs.1,08,741 cr

Mid-Corporate

thereby registe

Retail advance

Rs.1,64,576 cr

are:

Home lo

Mar 10 t

Auto Lo

23.27%

SME Advance

crores in Mar 1

Agri advances

registering a gr

International a

to Rs.1,09,358

3

s improved from 46.67% as on Mar 2010

crease of 199 bps.

total deposits as on Mar 11 at 16.40% (1

by 11 bps YOY, while market share in

3% (17.33% as on Mar 10) is up by 90 bp

s up by Rs.1,30,322 crores, a YOY growt

ores in Mar 10 to Rs.7,71,802 crores in Ma

Ratio (Domestic) is up at 76.32% as at t

at the end of Mar 10, an increase o

as declined from 77.22% at the end of Deits in Q4FY11.

e advances have grown from Rs.88,137 c

res in Mar 11 registering a growth of 23.38

Advances up from Rs.1,31,939 crore

ring a growth of 19.42% YOY.

s have increased from Rs.1,34,849 cror

res in March 11, a growth of 22.04%. The

ans grew by 21.88% YOY from a level of R

o Rs.86,769 crores in Mar 11.

ans up by 48.01% YOY and Educatio

from Mar 10 to Mar 11.

of the Bank are up by 22.80% from a l

0 to Rs.1,19,676 crores as at the end of M

up from Rs.78,250 crores to 94,82

owth of 21.18% YOY.

vances went up by 12.66% from Rs.97,07

crores in Mar 11.

to 48.66% as on

6.29% as on Mar

low cost demand

.

h of 20.32% from

r 11.

he end of Mar 11

276 bps, while

10 due to higher

rores in Mar 10 to

%.

to Rs.1,57,565

s in March 10 to

main contributors

s.71,193 crores in

Loans grew by

evel of Rs.97,459

r 11.

crores thereby

crores in Mar 10

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Details of P

Interest on Advances

Int. on Resources Operations

Other Interest Income

Total Interest income

Interest Expenses

Net Interest Income

Non-Interest Income

Operating Income

Staff Expenses

of which : Payment to EmploContribution for

Employees

Overhead Expenses

Operating Expenses

Operating Profit

Total Provisions

Of which: loan Loss

Standard Assets

Investment Deprecia

Net Profit

ASSET QUALITY

Mar 10Mar 11

The Bank has reachedMarch 2011.

Slippages from Restruc

Out of the total standard

RBI scheme, Rs. 249 cro

the total slippages to Rs.

4

rofit and Loss account are as follows:

2009-10 2010-11

Q4 FY Q4 FY

Q4OvQ4

12967 50633 16257 59976

4670 19248 5305 20062

328 1113 160 1356 -

17966 70994 21721 81394

11244 47322 13663 48868

6721 23671 8058 32526

4509 14968 4815 15825

11230 38640 12874 48351

3592 12755 4219 14480

ees 2827 10689 3318 10450

765 2066 901 4030

2444 7564 2575 8535

6036 20319 6794 23015

5194 18321 6080 25336

3327 9155 6059 17071

2187 5148 3264 8792

72 80 631 977 7

tion 36 -969 304 647 7

1867 9166 21 8265 -

:

Gross NPA3.05%3.28%

a provision coverage ratio (PCR) of 64.9

tured Assets:

restructured assets of Rs.18,395 crores r

res have slipped into NPA category during

,134 crores and the slippage ratio to 17.04

Rs.In CroresGrowth (%)

FY11erFY10

FY11OverFY10

5.37 18.45

13.59 4.23

1.28 21.86

0.91 14.65

1.51 3.27

9.89 37.41

6.81 5.72

14.64 25.13

17.46 13.53

17.40 -2.23

17.69 95.06

5.35 12.84

2.55 13.27

7.06 38.29

2.10 86.47

9.26 70.79

1.01 1119.87

6.27 166.77

8.88 -9.84

Net NPA1.72%1.63%

5% at the end of

estructured under

the quarter, taking

% up to Mar 11.

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KEY FINANCIAL

Net Interest Margi

Mar 10.

Return on Assets

FY10.

As on March 11,

52.59% as on Mar

Average Cost of

from 5.80% as on

Yield on advances

9.66% in FY10 an

As per Basel II CRMar 2011, compa

provision made to

crores upto FY10 t

Performance of

Net Profit of Asso

level ofRs. 3598

while operating pr

SBI Capital Marke

against Rs.150 cro

SBI Cards & Pay

for FY11after incu

SBI Life recorded

SBI GROUP PROFIT

SBI Group Operating Pro

24,799 crores in FY10, w

against Rs.11,734 crores

===========

5

RATIOS:

improved to 3.32% at the end of Mar 11

(ROA) is lower at 0.71% in FY11 comp

Cost to income ratio at 47.60% is lower

10.

eposits has come down by 54 bps to 5.2

Mar 10, while sequentially; it is up from 5.2

(YOA) at 9.56% in FY11 is lower by 10b

by 2 bps from 9.58% in Dec 10.

AR of the Bank is at 11.98% (Tier I: 7.77red to 13.39% last year. The decline is

ards pension fund on account of wage r

aken through the capital account.

ssociates and Subsidiaries (FY11):

ciate Banks increased by Rs.640 crore (2

crore as on Mar 11 as against Rs. 2959

fit is up by 29.56%.

ts Ltd has posted PAT of Rs.385 crores as

res as on 31.03.2010, recording a YoY gro

ent Services Pvt. Ltd recorded a Net Prof

rring continuous losses for the preceding th

Profit of Rs.366 crores with YOY growth o

fit for FY11 at Rs.33,240 crores is up by

hile Net Profit is lower by 8.94% at Rs.10,6

in FY10.

================================

from 2.66% as on

ared to 0.88% in

by 499 bps from

6% as on Mar 11

% in Dec 10.

s as compared to

) as at the end ofainly due to the

vision - Rs.7,927

.62%) to reach a

rore in Mar 2010,

on 31.03.2011 as

th of 156%.

it of Rs.7.10 crore

ree years.

f 33%.

34.04% from Rs.

85crores in FY11

=============