State Bank of India · NSE:SBIN

State Bank of India — Q3 FY2013 Earnings Presentation

53 slides from State Bank of India's earnings presentation, February 2013

  1. Slide 1: Quarterly Results Q3FY13

    THE BANKER TO EVERY INDIAN Quarterly Results Q3FY13

  2. Slide 2: Performance Highlights – Q3FY13/9M FY13

    Performance Highlights – Q3FY13/9M FY13 Q3 FY12 Q3 FY13 YOY % 9M FY12 9M FY13 YOY % Consolidated Net Profit (Rs / crs) 4318 4648 7.65 10301 14098 36.87 ROE (%)* 18.57 15.82 -14.85 14.77 15.99 8.26 ROA (%)* 1.02 0.95 -6.76 0.81 0.96 18.55 Standalone Net Profit (Rs / crs) 3263 3396 4.08 7657 10806 41.

  3. Slide 3: Group Financials - a Snapshot

    Group Financials- a Snapshot Rs. In crores Quarter ended 9 Month Ended Growth (%) Q3FY13 Q3FY13 9MFY13 Parameter Q3FY13 Q2FY13 Q3FY12 9MFY13 9MFY12 Over Over Over Q2FY13 Q3FY12 9MFY12 Interest Earned 42423 41648 38212 124704 107391 1.86 11.02 16.12 Non-Interest Income 8520 8269 4894 22939 16028 3.03

  4. Slide 4: SBI Financials - a Snapshot (1/2)

    SBI Financials- a Snapshot (1/2) Rs. In crores Quarter ended 9 Month Ended Growth (%) Q3FY13 Q3FY13 9MFY13 Parameter Q3FY13 Q2FY13 Q3FY12 9MFY13 9MFY12 Over Over Over Q2FY13 Q3FY12 9MFY12 1. Interest Earned (a) + (b) + ( c)+(d) 30344 29607 27714 88873 77939 2.49 9.49 14.03 (a) Interest /discount on

  5. Slide 5: SBI Financials - a Snapshot (2/2)

    SBI Financials- a Snapshot (2/2) Rs. In crores Quarter ended 9 Month Ended Growth (%) Q3FY13 Q3FY13 9MFY13 Parameter Q3FY13 Q2FY13 Q3FY12 9MFY13 9MFY12 Over Over Over Q1FY13 Q3FY12 9MFY12 7. Operating Profit (3-6) (Profit before 7791 7354 7260 23321 21977 5.94 7.31 6.12 provisions and contingencies)

  6. Slide 6: NII and Operating Profit (1/2)

    NII and Operating Profit (1/2) Rs. In Crores Q3 FY12 Q3 FY13 YOY % 9M FY12 9M FY13 YOY % Interest Income 27714 30344 9.49 77939 88873 14.03 Other Income 2073 3648 76.00 8975 10488 16.86 Total Income 29787 33992 14.12 86913 99361 14.32 Interest Expenses 16195 19189 18.48 46239 55620 20.29 Net Interes

  7. Slide 7: Net Profit - a Snapshot (2/2)

    Net Profit - a Snapshot (2/2) Rs. In Crores Q3 FY12 Q3 FY13 YOY % 9M FY12 9M FY13 YOY % Operating Profit 7260 7791 7.31 21977 23321 6.12 Total Provisions 3997 4395 9.95 14320 12515 -12.60 Income Tax 1590 1727 8.63 4370 5565 27.36 Loan Loss 3006 2766 -7.98 8709 7394 -15.10 Investment Depr. -870 -129

  8. Slide 8: Net Profit: Top Companies

    Net Profit : Top Companies Rs. In Crores Top 4 Companies FY12 Q1FY13 Q2FY13 Q3FY13 ONGC 25123 6078 5897 5563 Reliance Industries (Consolidated) 20040 4473 5376 5502 State Bank (Consolidated) 15343 4875 4575 4648 Coal India (Consolidated) 8065 4576 1200 4395 Other Companies FY12 Q1FY13 Q2FY13 Q3FY13

  9. Slide 9: Profitability: Domestic & Foreign Offices (1/2)

    Profitability : Domestic & Foreign Offices (1/2) Indian Offices Foreign Offices Rs. In Crores Q3 FY12 Q3 FY13 YOY % Q3 FY12 Q3 FY13 YOY % Interest Income 26303 28705 9.13 1411 1638 16.09 Other Income 1852 3113 68.04 221 536 142.79 Total Income 28155 31818 13.01 1632 2174 33.22 Interest Expenses 1543

  10. Slide 10: Operating Profit: Domestic & Foreign Offices (2/2)

    Operating Profit :Domestic & Foreign Offices (2/2) Indian Offices Foreign Offices Rs. In Crores Q3 FY12 Q3 FY13 YOY % Q3 FY12 Q3 FY13 YOY % Operating Profit 6601 6806 3.11 659 985 49.42 Total Provisions 3752 4019 7.14 245 375 52.89 Income Tax 1420 1486 4.68 170 241 41.67 Loan Loss 2900 2681 -7.55 10

  11. 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 Q3 FY12 Q3 FY13 Q3 FY12 Q3 FY13 Q3 FY12 Q3 FY13 (%) (%) (%) ROA* (%) 0.96 0.82 -14.36 1.10 1.19 8.11 0.97 0.87 -10.75 RONW* (%) 21.89 17.37 -20.62 14.86 14.19 -4.50 20.65

  12. Slide 12: Efficiency Ratios – (2/2)

    Efficiency Ratios – (2/2) Dec 11 Dec 12 Dec 11 Dec 12 Cost to Income 45.97 46.68 Gross NPA 40098 53458 Operating Profit to NW 46.36 38.23 Net NPA 18803 25370 7.59 8.66 EPS (in Rs)* 160.78 214.71 Tier I (8.25) (9.50) Book Value Per Share 1014 1215 Tier II 4.01 3.55 (In Rs.)** Provision Coverage 11.60

  13. Slide 13: Components of Interest Income/Expenses

    Components of Interest Income/Expenses Rs. In Crores Q3 FY12 Q3 FY13 YOY % 9M FY12 9M FY13 YOY % Interest on Loans 20891 22800 9.14 58937 67473 14.48 Interest on Resources 6573 7182 9.26 18106 20545 13.47 Other Sundry Interest 250 362 44.83 896 855 -4.56 Total Interest Income 27714 30344 9.49 77939

  14. Slide 14: Components of Other Income

    Components of Other Income Rs. In Crores Q3 FY12 Q3 FY13 YOY % 9M FY12 9M FY13 YOY % Fee Income 2642 2559 -3.14 7875 7611 -3.36 Profit/loss on Sale of -1090 418 -893 869 Investments Of which; -1063 214 -755 526 Domestic-Equity & MF Domestic-Bonds -11 120 -179 193 Foreign Operations -16 84 41 151 266

  15. Slide 15: Components of Fee Income

    Components of Fee Income Rs. In Crores Q3 FY12 Q3 FY13 YOY % 9M FY12 9M FY13 YOY % Loan Processing Charges 598 764 27.70 1752 1841 5.07 Commission on Govt. Busi. 494 351 -28.98 1457 1281 -12.07 Commission on LC/BG 705 608 -13.76 1931 1867 -3.35 of which: on BGs Issued 343 319 -6.77 933 1005 7.79 on

  16. Slide 16: Components of Profit/Loss on Sale of Investments

    Components of Profit/Loss on Sale of Investments Rs. In Crores Q3 FY12 Q3 FY13 YOY % 9M FY12 9M FY13 YOY % Govt. Securities -12 118 -179 182 Other Auth Securities 1 2 78.20 1 11 Bonds -11 120 -178 193 Equities -1149 47 -1097 16 MF Securities 85 167 95.36 341 509 49.20 Equities & Others -1064 214 -75

  17. Slide 17: Operating Expenses

    Operating Expenses Rs. In Crores Q3 FY12 Q3 FY13 YOY % 9M FY12 9M FY13 YOY % Salary 3359 3608 7.43 9808 10643 8.52 Provision for 805 743 -7.66 2417 2125* -12.09 superannuation benefits Of which : Pension 642 523 -18.54 1930 1509 -21.80 Gratuity 163 220 34.97 487 630 29.36 Total Staff Expenses 4163 4

  18. Slide 18: Components of Overheads

    Components of Overheads Rs. In Crores Q3 FY12 Q3 FY13 YOY % 9M FY12 9M FY13 YOY % Rent, Taxes and Lighting 508 613 20.49 1490 1755 17.81 Depreciation 266 313 17.33 707 794 12.32 Insurance on Business 227 235 3.80 632 767 21.47 of which: DICGC Insurance 215 201 -6.24 620 669 8.01 ECGC Premium 12 34 1

  19. Slide 19: Quarterly Movement in Income Parameters

    Quarterly Movement in Income Parameters Rs. In crores 14000 (Sequential Growth %) (10) (1 ) 11591 (-4) (-1) ( 2 ) Net Intt. Income 12000 11519 (8) 11119 10974 11155 (20) 10482 9700 9597 10000 Operating Profit (-11) 8058 (32) 8177 7791 8000 7242 7474 7260 7354 (-15) (6) (-3) (-10) 6080 (19) (3) (17)

  20. Slide 20: 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 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 NIM Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Domestic 3.63 3.89 3.99 4.13 4.17 3.86 3.77 3.72 FOs 1.37 1.66 1.70 1.72 1.67 1

  21. Slide 21: Domestic: Costs & Yields

    Domestic : Costs & Yields ( in % ) Yield on Advances /Yield on Assets Cost of Deposits Yield on Advances 6.30 6.31 11.05 6.24 10.78 10.93 10.86 10.87 10.75 5.83 5.90 5.95 10.43 5.66 5.26 9.56 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec

  22. Slide 22: International: Costs & Yields

    International : Costs & Yields ( in % ) Yield on Advances /Yield on Assets Costof Cost ofDeposits Deposits Yield on Advances 2.02 2.04 3.05 3.04 1.96 1.97 1.96 2.96 2.94 2.97 2.97 1.87 1.87 1.87 2.89 2.91 Mar 11 Jun 11 Sep 11Dec 11Mar 12Jun 12Sep 12Dec 12 Mar 11 Jun 11 Sep 11Dec 11Mar 12Jun 12Sep 12

  23. Slide 23: Corporate Citizen

    Corporate Citizen Rs. In crores 309 248 258 295 Other Taxes 257 264 1650 1730 1820 1701 Income Tax 1104 1173 Q1FY12 Q2FY12 Q3FY12 Q1FY13 Q2FY13 Q3FY13 Total Tax Paid 1361 1898 1988 1437 2129 1996 Income Tax Paid 1730 1820 1650 1650 1701 1104 1173 FY 11: 6160 FY12: 6134 Q1FY12 Q2FY12 Q3FY12 Q4FY12 Q1

  24. Slide 24: Retail Deposits drive Growth

    Retail Deposits drive Growth Rs. In Crores Dec-11 Dec-12 Levels YTD Growth YTD Growth YOY Growth Dec-10 Dec-11 Dec-12 Abs. %* Abs. %* % Whole Bank 878979 1000965 1156691 67032 9.57 113044 14.44 15.56 Deposits Domestic Deposits 833361 941432 1078212 54280 8.16 97426 13.03 14.53 Deposits at FOs 45618

  25. Slide 25: Customer Acquisition Growth Continues

    Customer Acquisition Growth Continues Number of Accounts (in lacs) YOY Growth % Saving Bank Current Account 17.52% 7.66% 5.32% 17.01% 1746.4 27.7 1486.0 25.7 24.4 1270.0 Dec-10 Dec 11 Dec 12 Dec 10 Dec 11 Dec 12 206.80 lac new accounts in 9MFY13 1.60 lac new accounts in 9M FY13 25

  26. Slide 26: Diversified Exposure across Sectors

    Diversified Exposure across Sectors Rs. In Crores Share % 31398 3 34920 Misc 172149 4 17 16 134063 FOs 199824 20 20 175322 Retail 115432 11 101882 Agri* 12 158598 16 15 134678 SME MCG 175025 17 19 163962 124567 CAG 156684 16 14 Dec 11 Dec 12 Total 869393 YOY Gr. 16.07% 1009110 * Includes Indirect Ag

  27. Slide 27: Composition of Advances Growth (1/2)

    Composition of Advances Growth (1/2) Growth Rs. In crores YOY Whole Bank Domestic 13.82% 16.07% 16.83% 17.49% 1009110 836961 869393 735331 739971 629409 Dec-10 Dec 11 Dec 12 Dec-10 Dec 11 Dec 12 International Direct Agri 28.41% 24.25% 21.26% 17.86% 172149 100230 134063 80668 110562 68445 Dec-10 Dec

  28. Slide 28: Composition of Advances Growth (2/2)

    Composition of Advances Growth (2/2) Growth Rs. In crores YOY Large Corporate Mid Corporate 6.95% 25.78% 11.60% 17.74% 156684 178509 166903 124567 149554 105801 Dec-10 Dec 11 Dec 12 Dec-10 Dec 11 Dec 12 SME 11.35% Retail 13.98% 11.89% 23.17% 170316 199824 152951 175322 156693 124178 Dec-10 Dec 11 De

  29. Slide 29: Key Exposures: Domestic

    Key Exposures: Domestic Rs. In crores Dec 11 Mar 12 Dec 12 Product / Segment Level % Share Level % Share Level % Share YOY Gr % Infrastructure 80636 10.97 88369 11.66 105190 12.57 30.45 Iron & Steel 45309 6.16 48082 6.34 56531 6.75 24.77 Textiles 36053 4.90 38365 5.06 41975 5.02 16.43 Petroleum & Pe

  30. Slide 30: Infrastructure Credit – Fund Based

    Infrastructure Credit – Fund Based Share % Rs. In crores in Infra 18577 18 13896 13 25 20380 Other 22816 22 14 11331 Road & Ports 17 13570 Telecom 49901 47 44 35354 Power 100 Dec 11 Dec 12 100 80636 Total Infra 105190 Infrastructure Power Telecom Road & Ports Other Total Infra YOY % 41.15 68.14 22.6

  31. Slide 31: Retail Advances

    Retail Advances % to total Home Loans Rs. In crores Break-up of Retail 22435 20 18 17637 Above Other Per. Rs.30 lacs 25% 81382 90728 82 Upto Rs.30 80 Education Home lacs 7% 57% Auto 11% Dec 11 Dec 12 Total 99019 113163 Level Home Auto Edu Other Per. Total Dec 11 99019 17407 12402 46494 175322 Dec 12

  32. Slide 32: Agri Advances

    Agri Advances Rs. In crores Share % Across Sectors Break-up of Direct Agri Other Direct 14% Crop/Prod. 72% MCG SME CAG 17% 16% Farm Mech 16% AGL 6% 11% Misc RETAIL INTL 3% 17% 20% Irrig. & Land Devp. 2% SHGs 6% Crop / Investment/ Total Direct Out of which: Indirect Total Level Production Allied Cred

  33. Slide 33: CD Ratio & Market Share

    CD Ratio & Market Share ( in % ) CD RATIO 78.6 78.5 79.2 77.8 76.3 76.7 76.6 SBI 75.8 78.1 77.6 73.6 76.4 75.7 75.2 75.8 74.9 ASCB 72.2 74.0 Mar 10 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 Market Share ADVANCES DEPOSITS 16.46 16.41 16.4616.4416.48 16.43 16.39 16.38 16.32 16.26 16.26 1

  34. Slide 34: Capital Adequacy

    Capital Adequacy CAR 11.60% 13.83% 12.21% * 4.07% Tier II 3.55% 4.01% 9.76% 8.66% 7.59% Tier I Dec-11 Mar-12 Dec 12 RWA 844184 839053 944534 * After adding Net Profit (Net of notional Dividend and Tax) of 9MFY13, CAR is 13.05% & Tier I is 9.50% 34

  35. Slide 35: Asset Quality

    Asset Quality Rs. In crores / (%) Sequentially Gross and Net NPA Ratios are up by 15 bps each 25370 22615 2.59% 20324 2.44% 2.22% 18803 15819 16120 2.22% 1.82% NPA 12435 2.04% Net 12347 1.61% 1.63% 53458 47156 49202 40098 39676 5.15% 5.30% 33946 4.99% Gross 25326 27768 4.61% 4.44% 4.19% 3.28% 3.52%

  36. Slide 36: 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 1. Gross Advances 788153 810612 869393 893613 945819 956000 1009110 2. Gross NPAs 27768 33946 40098 39676 47156 49202 53458 3. Net NPAs 12435 16120 18803 15819 20324 22615 25370 4. Restructured Standard 13893

  37. Slide 37: Gross NPAs by Sector

    Gross NPAs by Sector Rs. In crores/ Break-up of Gross NPAs Sector-wise Gross NPAs to Total Gross NPAs % Dec 11 Dec 12 Sector 3.4 1.5 NPA Ratio % NPA Ratio % Large Corp 7.3 Intl. 5.2 9.1 Large 12.4 Retail 1360 1.10 801 0.51 Corporate 18.5 Mid Corporate 11685 6.49 19777 10.85 19.0 Agri. SME 11517 6.53

  38. Slide 38: Movement of NPAs (Quarter on Quarter) (1/3)

    Movement of NPAs (Quarter on Quarter) (1/3) Rs. In Crores Q2FY12 Q3FY12 Q4FY12 Q1FY13 Q2FY13 Q3FY13 Opening Level of 27768 33946 40098 39676 47156 49202 Gross NPAs Cash Recovery 736 1026 1603 1249 1428 957 Up gradation 1036 942 3118 2033 1660 1840 Write off 320 41 84 82 1972 1122 Fresh Slippages 827

  39. Slide 39: Sector-wise Movement of NPAs – Q3FY13 (2/3)

    Sector-wise Movement of NPAs – Q3FY13 (2/3) Rs. In crores Large Particulars Mid. Corp SME Agri Retail Intl. Total Corp. Cash 4 236 323 159 219 16 957 Recovery Up-gradation 0 366 528 133 508 305 1840 Write off 0 560 304 0 51 207 1122 Gross 4 1162 1155 292 778 528 3919 Reduction Fresh 539 3842 2112 86

  40. Slide 40: Movement of NPAs as at end of the period (3/3)

    Movement of NPAs as at end of the period (3/3) Rs. In Crores 9M FY 11 9M FY 12 9M FY 13 Opening Level of Gross NPAs 19535 25326 39676 Cash Recovery 3018 2961 3634 Up gradation 2663 3855 5533 Write off 2916 965 3176 Fresh Slippages 12500 22553 26125 Net Increase 3903 14772 13782 Closing Level of Gros

  41. Slide 41: NPA Position - Major Industries

    NPA Position - Major Industries Rs. In crores Fresh NPAs as on Industry Slippages Q3 Share % FY13 31.12 .12 Trade & Services 912 5194 14.46 Iron and Steel 822 3566 9.93 Paper/ Plastics 443 1503 4.18 Textiles 371 2413 6.72 Other Manufacturing 309 1463 4.07 Food Processing 290 1536 4.28 Cement 280 613

  42. Slide 42: Details of Restructured Assets

    Details of Restructured Assets Amount In Crores Outstanding as on 31.12.2012 Year of Restructuring Standard Total Restructured NPA Category Category Upto 2010 20524 16897 3627 2010-11 6038 3146 2892 2011-12 9352 6894 2458 Q1FY13 1529 1244 285 Q2FY13 7328 6849 479 Q3FY13 * -12259 -12509 250 IBG - Cum

  43. Slide 43: Industry-wise details of Restructured Assets (1/2)

    Industry-wise details of Restructured Assets (1/2)* Rs. In Crores 31st December 11 31st December 12 Sectors/Industries Standard NPAs Total Standard NPAs Total Iron & Steel 1417 559 1976 4036 1231 5267 Textile/Readymade 2270 524 2794 2342 1360 3702 Engineering – others 533 761 1294 1492 970 2462 Avia

  44. Slide 44: Break-up of Other Industries Restructured (2/2)

    Break-up of Other Industries Restructured (2/2)* Rs. In Crores 31st December 11 31st December 12 Sectors/Industries Standard NPAs Total Standard NPAs Total Paper 187 285 472 168 312 480 Cement 159 0 159 245 216 461 Ceramic 309 2 311 98 355 453 Non-Ferrous Metals 350 100 450 129 297 426 Shipping & Tr

  45. Slide 45: Manpower Planning

    Manpower Planning Staff Strength as on Mar-11 Mar-12 Jun-12 Sep-12 Dec 12 Officers 79728 80404 80329 79978 81515 Clerical 102701 95715 95018 93447 93053 Subordinate 40504 39362 38491 38091 37878 Total 222933 215481 213838 211516 212446 Number of Staff “Defined Contribution “: 25,873 45

  46. Slide 46: Branch Expansion

    Branch Expansion March 11 Dec 11 March 12 Dec 12 2079 2166 2218 2252 Metro (15.4) (15.7) (15.7) (15.7) 2416 2413 2502 2555 Urban (17.8) (17.5) (17.8) (17.8) 3909 3957 3995 4062 Semi-Urban (28.9) (28.8) (28.3) (28.2) 5138 5236 5382 5519 Rural (37.9) (38.0) (38.2) (38.3) 13542 13772 14097 14388 Total

  47. Slide 47: Expanding Footprint

    Expanding Footprint Dec 11 Mar 12 Dec 12 (9MFY12) (FY 12) (9MFY13) No. of Group Branches 18674 19193 19698 Branches No. of SBI Domestic Branches 13772 14097 14388 No. of Overseas Offices 172 173 178 No. of ATMs for the Group 26814 27286 28198 ATMs No. of ATMs for SBI 21774 22141 22983 Hits per day 2

  48. Slide 48: Performance Highlights of Associate Banks

    Performance Highlights of Associate Banks ( Rs. In crores) SBBJ 404 13.74 552 15.93 SBH 817 19.69 870 16.39 SBM 253 9.16 340 12.08 SBP 520 15.02 543 13.60 SBT 358 14.86 449 16.13 Overall 2352 15.29 2754 15.00 48

  49. Slide 49: Performance Highlights of Non-Banking Subsidiaries

    Performance Highlights of Non-Banking Subsidiaries ( Rs. In crores) 9MFY 12 9MFY 13 Name PAT ROE % PAT ROE % SBI Life Insurance Company 265 18.70 422 22.14 P Ltd 27.02 SBI Capital Markets Ltd 166 26.93 212 SBI DFHI Ltd 31 4.62 60 8.60 SBI Funds Management P 53 22.13 63 23.23 Ltd SBI Cards & Payment

  50. Slide 50: Group Financials - Efficiency Ratios

    Group Financials- Efficiency Ratios In % / Rs. In crores YOY Growth 9MFY13 FY12 9MFY12 bps/ % ROA %* 0.96 0.89 0.81 -15 bps Earning Per Share (Rs.)* 280.13 242 216.29 -122 bps Expenses Ratio 54.81 53.40 50.93 29.52% NIM 3.23 3.48% 3.44 -388 bps Gross NPA Ratio 4.90 4.15 4.38 21 bps Net NPA Ratio 2.4

  51. Slide 51: Balance Sheet Size (Solo)

    Balance Sheet Size (Solo) Rs. In crores YOY Growth (%) - LIABILITIES Dec 11 Mar 12 Dec 12 Dec 12 Over Dec 11 Capital 635 671 671 5.68 Reserves and Surpluses 74666 83280 95616 28.06 Deposits 1000965 1043647 1156691 15.56 Borrowings 124158 127006 148374 19.50 Other Liabilities & Provisions 100985 8091

  52. Slide 52: Balance Sheet Size (Consolidated)

    Balance Sheet Size (Consolidated) Rs. In crores YOY Growth (%) - LIABILITIES Dec 11 Mar 12 Dec 12 Dec 12 Over Dec 11 Capital 635 671 671 5.68 Reserves and Surpluses 96095 105559 121442 26.38 Minority Interest 3606 3726 4207 16.69 Deposits 1353233 1414689 1562078 15.43 Borrowings 153731 157991 178541

  53. Slide 53: Use Me On SBI POS Terminal

    USE ME ON SBI POS TERMINAL AND YOU COULD GET CASH BACK*!

State Bank of India — Q3 FY2013 Earnings Presentation on 6ix