State Bank of India · NSE:SBIN
State Bank of India — FY2013 Earnings Presentation
57 slides from State Bank of India's earnings presentation, 2013
Slide 1: Annual Results FY 2012-13
THE BANKER TO EVERY INDIAN Annual Results FY 2012-13
Slide 2: Performance Highlights – Q4FY13/ FY13
Performance Highlights – Q4FY13/ FY13 Q4FY12 Q4FY13 YOY % FY12 FY13 YOY % Consolidated Net Profit (Rs / crs) 5042 3818 -24.28 15343 17916 16.77 ROE (%)* 21.67 13.61 -37.20 16.49 15.97 -3.16 ROA (%)* 1.17 0.72 -38.46 0.89 0.89 0.00 Standalone Net Profit (Rs / crs) 4050 3299 -18.54 11707 14105 20.48 R
Slide 3: Net Profit: Top Companies
Net Profit : Top Companies Rs. In Crores Top 4 Companies FY11 FY12 FY13 ONGC 22456 28144 Yet to be declared Reliance Industries (Consolidated) 20211 19724 20879 State Bank (Consolidated) 10685 15343 17916 TCS (Consolidated) 9068 10413 13917 Other Companies FY11 FY12 FY13 NTPC 9353 9813 12591 Cairn I
Slide 4: Group Financials - a Snapshot
Group Financials- a Snapshot Rs. In crores Quarter ended Year Ended Growth (%) Q4FY13 Q4FY13 FY13 Parameter Q4FY13 Q3FY13 Q4FY12 FY13 FY12 Over Over Over Q3FY13 Q4FY12 FY12 Interest Earned 43274 42423 39806 167978 147197 2.01 8.71 14.12 Non-Interest Income 9643 8520 13663 32582 29692 13.19 -29.42 9.
Slide 5: SBI Financials - a Snapshot (1/2)
SBI Financials- a Snapshot (1/2) Rs. In crores Quarter ended Year Ended Growth (%) Q4FY13 Q4FY13 FY13 Parameter Q4FY13 Q3FY13 Q4FY12 FY13 FY12 Over Over Over Q3FY13 Q4FY12 FY12 1. Interest Earned (a) + (b) + ( c)+(d) 30784 30344 28583 119657 106521 1.45 7.70 12.33 (a) Interest /discount on advance/B
Slide 6: SBI Financials - a Snapshot (2/2)
SBI Financials- a Snapshot (2/2) Rs. In crores Quarter ended Year Ended Growth (%) Q4FY13 Q4FY13 FY13 Parameter Q4FY13 Q3FY13 Q4FY12 FY13 FY12 Over Over Over Q3FY13 Q4FY12 FY12 7. Operating Profit (3-6) (Profit before provisions and contingencies) 7761 7791 9597 31082 31574 -0.39 -19.13 -1.56 8. Pro
Slide 7: NII and Operating Profit (1/2)
NII and Operating Profit (1/2) Rs. In Crores Q4FY12 Q4FY13 YOY % FY12 FY13 YOY % Interest Income 28583 30784 7.70 106521 119657 12.33 Other Income 5377 5547 3.16 14351 16035 11.73 Total Income 33960 36331 6.98 120873 135692 12.26 Interest Expenses 16992 19706 15.97 63230 75326 19.13 Net Interest Inc
Slide 8: Net Profit - a Snapshot (2/2)
Net Profit - a Snapshot (2/2) Rs. In Crores Q4FY12 Q4FY13 YOY % FY12 FY13 YOY % Operating Profit 9597 7761 -19.13 31574 31082 -1.56 Total Provisions 5547 4461 -19.56 19866 16977 -14.54 Income Tax 2406 280 -88.34 6776 5846 -13.73 Loan Loss 2837 3974 40.09 11546 11368 -1.54 Investment Depr. 27 -52 664
Slide 9: Profitability: Domestic & Foreign Offices (1/2)
Profitability : Domestic & Foreign Offices (1/2) Indian Offices Foreign Offices Rs. In Crores FY12 FY13 YOY % FY12 FY13 YOY % Interest Income 101244 113063 11.67 5278 6594 24.93 Other Income 12970 14420 11.18 1381 1615 16.93 Total Income 114214 127483 11.62 6659 8209 23.27 Interest Expenses 60357 71
Slide 10: Operating Profit: Domestic & Foreign Offices (2/2)
Operating Profit :Domestic & Foreign Offices (2/2) Indian Offices Foreign Offices Rs. In Crores FY12 FY13 YOY % FY12 FY13 YOY % Operating Profit 28561 27497 -3.73 3013 3585 18.99 Total Provisions 18930 15776 -16.66 936 1201 28.33 Income Tax 6172 5195 -15.83 604 651 7.79 Loan Loss 11268 10941 -2.90 2
Slide 11: Efficiency Ratios: Domestic & Foreign Offices (1/2)
Efficiency Ratios: Domestic & Foreign Offices(1/2) Rs. In Crores Indian Offices Foreign Offices Whole Bank Change Change Change FY12 FY13 FY12 FY13 FY12 FY13 (%) (%) (%) ROA (%) 0.82 0.88 6.58 1.36 1.17 -13.92 0.88 0.91 3.51 RONW(%) 17.32 17.27 -0.33 12.09 11.58 -4.20 16.09 15.94 -0.90 RWA 730166 88
Slide 12: Efficiency Ratios – (2/2)
Efficiency Ratios – (2/2) Mar 12 Mar 13 Mar 12 Mar 13 Cost to Income 45.23 48.51 Gross NPA 4.44 4.75 Operating Profit to NW 48.67 36.33 Net NPA 1.82 2.10 EPS (in Rs) 184.31 210.06 Tier I 9.79 9.49 Book Value Per Share 1215 1395 Tier II 4.07 3.43 (In Rs.) Provision Coverage 68.10 66.58 CAR 13.86 12.9
Slide 13: Components of Interest Income/Expenses
Components of Interest Income/Expenses Rs. In Crores Q4FY12 Q4FY13 YOY % FY12 FY13 YOY % Interest on Loans 22141 23064 4.17 81078 90537 11.67 Interest on Resources 6194 7201 16.26 24300 27746 14.18 Other Sundry Interest 248 519 109.31 1144 1374 20.11 Total Interest Income 28583 30784 7.70 106521 119
Slide 14: Components of Other Income
Components of Other Income Rs. In Crores Q4FY12 Q4FY13 YOY % FY12 FY13 YOY % Fee Income 4216 3873 -8.13 12091 11484 -5.02 Profit/loss on Sale of -26 229 -920 1098 Investments of which: -42 73 -801 597 Domestic-Equity & MF Domestic-Bonds 29 19 -35.10 -146 213 Foreign Operations -14 137 27 288 Forex I
Slide 15: Components of Fee Income
Components of Fee Income Rs. In Crores Q4FY12 Q4FY13 YOY % FY12 FY13 YOY % Loan Processing Charges 999 919 -8.02 2751 2759 0.32 Commission on Govt. Busi. 549 495 -9.82 2006 1776 -11.45 Commission on LC/BG 766 707 -7.69 2697 2574 -4.58 of which: on BGs Issued 401 437 8.89 1334 1442 8.12 on LCs Issued
Slide 16: Components of Profit/Loss on Sale of Investments
Components of Profit/Loss on Sale of Investments Rs. In Crores Q4FY12 Q4FY13 YOY % FY12 FY13 YOY % Equities & Others -42 73 -801 597 of which : Equities -147 -80 -1247 -64 MF Securities 106 153 45.10 446 661 48.22 Bonds 29 19 -35.10 -146 213 of which : 32 18 -43.14 -147 200 Govt. Securities Other Au
Slide 17: Operating Expenses
Operating Expenses Rs. In Crores Q4FY12 Q4FY13 YOY % FY12 FY13 YOY % Salary 3696 4707 27.38 13503 15351 13.68 Provision for 1053 905 -14.09 3471 3030 -12.69 superannuation benefits of which : Pension 761 735 -3.43 2691 2244 -16.60 Gratuity 292 170 -41.82 780 800 2.59 Total Staff Expenses 4749 5612 1
Slide 18: Components of Overheads
Components of Overheads Rs. In Crores Q4FY12 Q4FY13 YOY % FY12 FY13 YOY % Rent, Taxes and Lighting 575 683 18.79 2065 2439 18.08 Depreciation 300 346 15.11 1007 1140 13.15 Insurance on Business 232 231 -0.16 863 999 15.71 of which: DICGC Insurance 195 196 1.01 814 866 6.34 ECGC Premium 37 35 -6.32 4
Slide 19: Net Profit
Net Profit Rs. In crores YOY % 16.77 Net Profit- 17916 Consolidated 43.59 15343 7.11 -8.94 11734 10685 20.48 Net Profit-Solo 41.66 14105 0.48 -9.84 11707 9166 8265 FY10 FY11 FY12 FY13 19
Slide 20: Quarterly Movement in Income Parameters
Quarterly Movement in Income Parameters Rs. In crores 14000 (Sequential Growth %) Net Intt. Income (10) (1 ) 11591 (-4) (-1) (2) (-1) 12000 11519 (8) 11125 10974 11155 11078 (20) 10482 9700 9597 10000 Operating Profit (-11) 8058 (32) 8177 7791 7761 8000 7242 7474 7260 7354 (-15) (6) (-3) (-10) (-0.4
Slide 21: Movement in Net Interest Margin
Movement in Net Interest Margin ( in % ) Cumulative Domestic NIM 4.13 4.17 3.99 3.89 3.86 3.63 3.77 3.72 ( 4.18) ( 4.21) 3.66 ( 3.78) ( 3.71) Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 ( ) After taking into account Profit on Sale of Liquid MF, treated as Interest income Instead o
Slide 22: Domestic: Costs & Yields
Domestic : Costs & Yields ( in % ) Yield on Advances /Yield on Assets Cost of Deposits Yield on Advances 6.30 6.31 6.29 11.05 6.24 10.78 10.93 10.86 10.87 10.75 5.83 5.90 5.95 10.43 10.54 5.66 5.26 9.56 Mar 11Jun 11Sep 11Dec 11Mar 12Jun 12Sep 12Dec 12Mar 13 Mar 11 Jun 11 Sep 11Dec 11 Mar 12 Jun 12 S
Slide 23: International: Costs & Yields
International : Costs & Yields ( in % ) Yield on Advances /Yield on Assets Costof Cost ofDeposits Deposits Yield on Advances 3.05 3.04 2.02 2.04 2.96 2.94 2.97 2.97 1.97 1.96 2.89 2.91 1.96 1.95 2.84 1.87 1.87 1.87 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Mar 11 Jun 11 Sep 11 D
Slide 24: Corporate Citizen
Corporate Citizen Rs. In crores Total Tax Paid 7329 7422 7647 7858 Other Taxes 751 1262 1513 1714 6578 6160 6134 6144 Income Tax Mar 10 Mar 11 Mar-12 Mar-13 Income Tax Paid 6578 6160 6134 6144 FY10 FY11 FY12 FY13 24
Slide 25: Retail Deposits drive Growth
Retail Deposits drive Growth Rs. In Crores YOY Growth Levels Mar 12 Mar 13 Mar-12 Mar-13 Abs. % Abs. % Whole Bank Deposits 1043647 1202740 109715 11.75 159092 15.24 Domestic Deposits 982214 1130137 95062 10.72 147923 15.06 Deposits at FOs 61433 72603 14652 31.32 11170 18.18 Term Deposits 524094 6046
Slide 26: Customer Acquisition Growth Continues
Customer Acquisition Growth Continues Number of Accounts (in lacs) YOY Growth % Saving Bank Current Account 8.43% 18.62% 16.57% 6.10% 1826.2 28.3 1539.6 26.1 24.6 1320.7 Mar 11 Mar 12 Mar 13 Mar 11 Mar 12 Mar 13 287 lac new accounts in FY13 2.2 lac new accounts in FY13 26
Slide 27: Diversified Exposure across Sectors
Diversified Exposure across Sectors Rs. In Crores (% YOY growth) 26402 2 Share % Misc (-1) 169065 16 26715 3 FOs (25) 135724 209694 19 15 Retail (15) 182427 124834 20 12 Agri (16) 107256* 16 12 173021 145664 SME (19) 16 199947 19 170804 MCG (17) 19 125023 CAG (40) 175594 16 14 Mar 12 Mar 13 Total 89
Slide 28: Composition of Advances Growth (1/2)
Composition of Advances Growth (1/2) Growth Rs. In crores YOY Whole Bank 20.70% Domestic 20.00% 14.41% 15.78% 1078557 909492 893613 757889 771802 662444 Mar-11 Mar 12 Mar 13 Mar 11 Mar 12 Mar 13 International 24.57% Direct Agri 25.85% 24.11% 25.66% 169065 108584 135724 86281 109358 68663 Mar 11 Mar
Slide 29: Composition of Advances Growth (2/2)
Composition of Advances Growth (2/2) Growth Rs. In crores YOY Large Corporate Mid Corporate 40.28% 18.15% 8.78% 15.23% 175831 204853 161208 173381 125340 109042 Mar 11 Mar 12 Mar 13 Mar 11 Mar 12 Mar 13 SME 12.45% Retail 14.95% 17.41% 10.85% 184128 209694 163745 182427 139470 164576 Mar 11 Mar 12 Ma
Slide 30: Key Exposures: Domestic
Key Exposures: Domestic Rs. In crores Mar 11 Mar 12 Mar 13 Product / Segment Level % Share Level % Share Level % Share YOY Gr % Infrastructure 67428 10.17 88369 11.66 114524 12.59 29.60 Iron & Steel 35178 5.31 48082 6.34 64067 7.04 33.25 Textiles 36796 5.07 38365 5.06 45766 5.03 19.29 Petroleum & Pe
Slide 31: Infrastructure Credit – Fund Based
Infrastructure Credit – Fund Based Share % Rs. In crores in Infra 19309 17 Other 14413 13 24 21484 Road & Ports 23035 20 14 12204 17 15148 Telecom Power 57767 50 45 39533 100 Mar 12 Mar 13 100 88369 Total Infra 114524 Infrastructure Power Telecom Road & Ports Other Total Infra YOY % 46.12 52.07 18.1
Slide 32: Retail Advances
Retail Advances % to total Home Loans Rs. In crores Break-up of Retail 21 18 Above 24962 Other Per. 18659 Rs.30 lacs 25% Home 82 84080 94505 79 Education 57% Upto Rs.30 6% lacs Auto 12% Mar 12 Mar 13 Total 102739 119467 Level Home Auto Edu Other Per. Total Mar 12 102739 18306 12566 48816 182427 Mar
Slide 33: Agri Advances
Agri Advances (Rs. In crores) Across Sectors Break-up of Direct Agri Share % Other Direct Crop/Prod. 16% 71% MCG 18% SME CAG 16% 16% Farm Mech AGL 6% INTL 12% Misc RETAIL Irrig. & 16% 19% 3% Land Devp. 2% SHGs 5% Crop / Investment/ Total Direct Out of which: Indirect Total Level Production Allied Cr
Slide 34: CD Ratio & Market Share
CD Ratio & Market Share ( in % ) CD RATIO 82.4 78.6 78.5 79.2 77.8 SBI 76.3 76.7 75.8 76.6 78.1 78.0 ASCB 73.6 77.6 75.7 76.4 75.8 74.9 75.2 72.2 74.0 Mar 10 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Market Share ADVANCES DEPOSITS 16.46 16.46 16.66 16.41 16.39 16.46 16.44 16.48
Slide 35: Capital Adequacy
Capital Adequacy CAR 11.98% 13.86% 12.92% 4.07% 3.43% Tier II 4.21% 9.79% 9.49% 7.77% Tier I Mar-11 Mar-12 Mar 13 RWA 822741 839053 1000944 35
Slide 36: Asset Quality
Asset Quality Sequentially Gross and Net NPA Ratios Rs. In crores / (%) are down by 55 bps and 49bps respectively 25370 22615 2.59% 21956 20324 2.44% 2.10% NPA 2.22% 18803 15819 16120 2.22% 1.82% 12435 2.04% Net 12347 1.61% 1.63% 53458 49202 51189 47156 40098 39676 4.99% 5.15% 5.30% 4.75% 33946 2776
Slide 37: Movement of Stressed Assets
Movement of Stressed Assets Rs. In Crores Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Dec 12 Mar 13 1. Gross Advances 788153 810612 869393 893613 945819 956000 1009110 1078557 2. Gross NPAs 27768 33946 40098 39676 47156 49202 53458 51189 3. Net NPAs 12435 16120 18803 15819 20324 22615 25370 21956 4. R
Slide 38: Gross NPAs by Sector
Gross NPAs by Sector Rs. In Crores Break-up of Gross NPAs Sector-wise Gross NPAs to Total Gross NPAs % Mar 12 Dec 12 Mar 13 Sector Ratio Ratio Ratio Large Corp 1.3 1.5 2.0 NPA NPA NPA % % % 6.4 5.2 5.5 Intl. Retail 10.6 9.1 8.3 Large 515 0.41 801 0.51 1000 0.57 Corporate 19.6 18.5 19.8 Agri. Mid 127
Slide 39: Movement of NPAs (Quarter on Quarter) (1/3)
Movement of NPAs (Quarter on Quarter) (1/3) Rs. In Crores FY12 Q1FY13 Q2FY13 Q3FY13 Q4FY13 FY13 Opening Level of 25326 39676 47156 49202 53458 39676 Gross NPAs Cash Recovery 4564 1249 1428 957 1132 4766 Up gradation 6973 2033 1660 1840 4586 10119 Write off 1049 82 1972 1122 2418 5594 Fresh Slippages
Slide 40: Sector-wise Movement of NPAs – Q4FY13 (2/3)
Sector-wise Movement of NPAs – Q4FY13 (2/3) Rs. In crores Large Particulars Mid. Corp SME Agri Retail Intl. Total Corp. Cash Recovery 0 242 442 274 137 37 1132 Up-gradation 44 2018 1333 522 663 6 4586 Write off 11 1638 619 1 97 52 2418 Gross Reduction 55 3900 2393 797 897 95 8137 Fresh Slippages 254
Slide 41: Sector-wise Movement of NPAs – FY13 (3/3)
Sector-wise Movement of NPAs – FY13 (3/3) Rs. In crores Large Particulars Mid. Corp SME Agri Retail Intl. Total Corp. Cash Recovery 78 786 1911 917 822 252 4766 Up-gradation 93 3012 3027 1516 2043 428 10119 Write off 41 3341 1650 13 211 338 5594 Gross Reduction 212 7141 6587 2446 3076 1018 20480 Fre
Slide 42: NPA Position - Major Industries
NPA Position - Major Industries Rs. In crores Fresh Slippages during Total NPAs as on Industry Share % Q1FY13 Q2FY13 Q3FY13 Q4FY13 FY13 31.03.13 Trading & Services -- 1142 912 311 2365 4737 8.3 Iron & Steel 290 437 951 598 2276 3714 5.9 Textiles 481 775 371 358 1985 2413 6.3 Infrastructure 787 78 19
Slide 43: Details of Restructured Assets
Details of Restructured Assets Amount In Crores Outstanding as on 31.03.2013 Year of Restructuring Standard Total Restructured NPA Category Category Upto 2010 5868 2754 3114 2010-11 5659 2820 2839 2011-12 9073 6593 2480 Q1FY13 2111 1774 337 Q2FY13 6485 6068 417 Q3FY13 2261 2042 219 Q4FY13 8669 8097
Slide 44: Restructured Assets As On 31.03.2013
Restructured Assets As On 31.03.2013 Rs. In Crores Standard NPA Total CDR Restructuring 14914 2706 17620 SME Debt Restructuring 2566 1068 3634 Other Restructuring 14748 7109 21857 Total 32228 10883 43111 44
Slide 45: Disclosure of Restructured Accounts
Disclosure of Restructured Accounts Rs. In crores Particulars Standard NPAs Total Restructured Accounts as on April 1, 2012 21401 6732 28133 (Opening position) Fresh Restructuring during the current FY 21425 3994 25419 Up gradation to Standard category 360 -360 0 during current FY Restructured Stand
Slide 46: Industry-wise details of Restructured Assets
Industry-wise details of Restructured Assets* Rs. In Crores 31st March 13 Sectors/Industries Standard NPAs Total Iron & Steel 5255 1576 6831 Power 5374 209 5583 Textiles 2791 1511 4302 Agro Based 1806 482 2288 Infrastructure 1638 529 2167 Aviation 655 1356 2011 Others 1592 172 1764 Pharma 1268 384 1
Slide 47: Head Count (1/3)
Head Count (1/3) Staff Strength as on Mar-11 Mar-12 Jun-12 Sep-12 Dec 12 Mar 13 Officers 79728 80404 80329 79978 81515 80796 Assistants 102701 95715 95018 93447 93053 109686 Subordinate 40504 39362 38491 38091 37878 37814 Total 222933 215481 213838 211516 212446 228296 Number of Staff “Defined Contr
Slide 48: Head Count (2/3)
Head Count (2/3) ⇓ 3.34% 228296 ⇑ 5.95% 222933 Total 215481 Total Total 79728 Officers Officers 80796 Officers 80404 102701 Assistants Assistants 109686 Assistants 95715 29198 Sub-staff 27630 Sub-staff 26000 Sub-staff 11306 Watch & Ward 11732 Watch & Ward 11814 Watch & Ward 2010-11 2011-12 2012-13 R
Slide 49: Head Count (3/3)
Head Count (3/3) Business per Employee (Rs. in lacs) Net Profit per Employee (Rs. in lacs) 944 6.45 5.31 798 3.85 704 2010-11 2011-12 2012-13 2010-11 2011-12 2012-13 49
Slide 50: Branch Expansion
Branch Expansion March 11 March 12 Mar 13 2079 2218 2341 Metro (15.4) (15.7) (15.8) 2416 2502 2624 Urban (17.8) (17.8) (17.7) 3909 3995 4165 Semi-Urban (28.9) (28.3) (28.1) 5138 5382 5686 Rural (37.9) (38.2) (38.4) 13542 14097 14816 Total (100) (100) (100) Figures in brackets indicate percentage sha
Slide 51: Expanding Footprint
Expanding Footprint Mar 11 Mar 12 Mar 13 (FY11) (FY 12) (FY13) No. of Group Branches 18266 19193 20325 Branches No. of SBI Domestic Branches 13542 14097 14816 No. of Overseas Offices 156 173 186 No. of ATMs for the Group 25005 27286 32752 ATMs No. of ATMs for SBI 20084 22141 27175 Hits per day 285 2
Slide 52: Performance Highlights of Associate Banks
Performance Highlights of Associate Banks ( Rs. In crores) SBBJ 652 15.66 730 15.33 SBH 1298 19.98 1250 17.70 SBM 369 9.26 416 11.05 SBP 796 16.66 667 12.48 SBT 511 13.62 615 14.76 Total 3627 15.64 3678 14.33 SBI 11707 14.36 14105 14.78 52
Slide 53: Performance Highlights of Non-Banking Subsidiaries
Performance Highlights of Non-Banking Subsidiaries ( Rs. In crores) FY 12 FY 13 Name PAT ROE % PAT ROE % SBI Life Insurance Company 556 25.53 622 23.19 P Ltd SBI Capital Markets Ltd 251 32.54 296 35.20 SBI DFHI Ltd 44 4.97 80 8.82 SBI Funds Management P 61 19.88 86 25.37 Ltd SBI Cards & Payment 38 1
Slide 54: Group Financials- Efficiency Ratios
Group Financials- Efficiency Ratios In % / Rs. In crores YOY Growth FY12 FY13 bps/ % ROA % 0.89 0.89 Earning Per Share (Rs.) 241.55 266.82 10.46 Expenses Ratio 53.51 56.35 5.31 NIM 3.48 3.16 -9.20 Gross NPA Ratio 4.15 4.47 7.71 Net NPA Ratio 1.81 2.07 14.36 Gross NPA 49648 63987 28.88 Net NPA 21095
Slide 55: Balance Sheet Size (Solo)
Balance Sheet Size (Solo) Rs. In crores YOY Growth LIABILITIES Mar 11 Mar 12 Mar 13 (%) Capital 635 671 684 1.94 Reserves and Surpluses 64351 83280 98200 17.92 Deposits 933933 1043647 1202740 15.24 Borrowings 119569 127006 169183 33.21 Other Liabilities & Provisions 105248 80915 95455 17.97 Total Li
Slide 56: Balance Sheet Size (Consolidated)
Balance Sheet Size (Consolidated) Rs. In crores YOY Growth LIABILITIES Mar 11 Mar 12 Mar 13 (%) Capital 635 671 684 1.94 Reserves and Surpluses 82836 105559 124349 17.80 Minority Interest 2977 3726 4254 14.17 Deposits 1255562 1414689 1627403 15.04 Borrowings 142471 157991 203723 28.95 Other Liabilit
Slide 57: Use Me On SBI POS Terminal
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