SBI AND ITS ASSOCIATES

Items

State Bank of India

(Amount in ` million)
Group
All Banks'
Aggregate Aggregate2012
2012-13
-13
21301
92114
293965
1096984
101.97
121.33
0.60
0.83

2008-09

2009-10

2010-11

2011-12

2012-13

12070
205896
55.60
0.47

13252
200299
63.60
0.45

14350
222933
70.47
0.39

14902
215481
79.84
0.53

15564
228296
94.39
0.65

579477
7420731
2759540
5425032

659492
8041162
2957852
6319142

649860
9339328
2956006
7567194

839512
10436474
3121976
8675789

988837
12027396
3509273
10456166

1253189
16184449
4729979
13792240

7089300
74295324
26132752
58797025

637884
126908
429153
156487
2.48

709939
149682
473225
203187
2.35

813944
158246
488680
230154
2.86

1065215
143514
632304
260690
3.38

1196571
160348
753258
292844
3.06

1637677
197442
1065334
370940
2.98

7636115
977866
5138027
1565855
2.79

Cost of Funds (CoF)

Return on advances adjusted to CoF
Wages as % to total expenses

5.72
3.95
16.64

5.14
3.48
18.86

4.67
3.97
21.16

5.35
4.63
19.01

5.63
3.83
17.57

5.96
3.93
16.20

6.12
4.21
13.02

Return on Equity
Return on Assets
CRAR
Net NPA ratio

17.05
1.04
14.25
1.79

14.80
0.88
13.39
1.72

12.62
0.71
11.98
1.63

15.72
0.88
13.86
1.82

15.43
0.91
12.92
2.10

15.29
0.88
12.67
2.04

13.84
1.03
13.88
1.68

No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances
Interest income
Other income
Interest expended
Operating expenses
Net Interest Margin

No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee

Foreign Banks
(Amount in ` million)
Bank Group-wise Aggregates
2008-09
2009-10
2010-11
2011-12
2012-13
31
32
34
41
43
295
310
318
323
334
29582
28012
28041
25907
25384
128.27
141.14
155.55
195.62
217.33
2.54
1.69
2.75
3.64
4.56

Capital and Reserves & Surplus

Deposits
Investments
Advances

599368
2140764
1303537
1653846

691760
2320995
1592909
1632604

810507
2406668
1654993
1955106

936917
2769477
2006511
2298488

1073817
2879997
2280631
2636799

303220
148940
128191
122984
4.33

263897
99513
89379
111019
3.96

284931
110118
106227
125686
3.86

359966
108959
149824
133367
3.89

422486
112127
187406
142882
3.89

Cost of Funds (CoF)

Return on advances adjusted to CoF
Wages as % to total expenses

4.46
8.15
19.44

2.83
7.16
23.48

3.11
5.64
23.30

3.88
5.72
20.35

4.05
5.50
18.22

Return on Equity
Return on Assets
CRAR
Net NPA ratio

13.75
1.99
14.19
1.81

7.34
1.26
17.26
1.82

10.28
1.75
16.97
0.67

10.79
1.76
16.75
0.61

11.52
1.94
17.88
1.01

Items

Interest income
Other income
Interest expended
Operating expenses
Net Interest Margin

Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances

Nationalised Banks (Includes IDBI Bank Ltd.)

(Amount in ` million)
Bank Group-wise Aggregates
2008-09
2009-10
2010-11
2011-12
2012-13
20
20
20
20
20
41041
43690
46462
50713
54478
462926
473041
471727
494520
507694
78.32
93.59
115.25
127.85
142.23
0.49
0.57
0.70
0.69
0.65
1359202
21057056
6550419
15197619

1572758
25839338
8281248
18430819

2059079
31265862
9503797
23102793

2483255
35969893
10899479
27253162

2832832
41272523
12861079
30935500

1838924
263936
1316762
354160
2.32

2080289
304996
1457115
407922
2.26

2563064
287249
1641351
538193
2.74

3411767
325766
2397280
574753
2.55

3911088
370370
2813956
647182
2.39

Cost of Funds (CoF)

Return on advances adjusted to CoF
Wages as % to total expenses

6.09
4.09
13.31

5.37
3.82
13.65

4.93
4.28
16.41

6.22
4.10
12.20

6.39
3.76
11.81

Return on Equity
Return on Assets
CRAR
Net NPA ratio

18.05
1.03
13.24
0.68

18.30
1.00
13.18
0.91

18.19
1.03
13.47
0.92

15.05
0.88
13.03
1.44

12.34
0.74
12.26
2.00

Interest income
Other income
Interest expended
Operating expenses
Net Interest Margin

No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee

New Private Sector Banks

(Amount in ` million)
Bank Group-wise Aggregates
2008-09
2009-10
2010-11
2011-12
2012-13
7
7
7
7
7
4336
5243
7007
8297
9718
142237
133280
162573
185695
203733
69.18
80.38
83.13
85.89
93.03
0.59
0.81
0.90
1.01
1.18

Capital and Reserves & Surplus

Deposits
Investments
Advances

821921
5371041
2341385
4468237

998133
5929038
2706176
4783556

1147682
7386018
3294031
6128967

1313989
8586960
4166489
7363235

1599334
10219391
4916070
8733113

662816
150781
441234
178401
2.88

623090
172713
371296
181357
3.00

734142
178447
423810
220064
3.15

1019752
216532
642787
274898
3.13

1265589
256475
792733
327392
3.30

Cost of Funds (CoF)

Return on advances adjusted to CoF
Wages as % to total expenses

6.15
5.36
10.17

4.42
5.14
12.10

4.27
5.14
13.83

5.45
5.32
11.97

5.77
5.57
11.40

Return on Equity
Return on Assets
CRAR
Net NPA ratio

10.69
1.12
15.33
1.40

11.87
1.38
18.03
1.09

13.62
1.51
16.87
0.56

15.27
1.63
16.66
0.42

16.51
1.74
17.52
0.45

Items

Interest income
Other income
Interest expended
Operating expenses
Net Interest Margin

No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee

Old Private Sector Banks

(Amount in ` million)
Bank Group-wise Aggregates
2008-09
2009-10
2010-11
2011-12
2012-13
15
15
14
13
13
4952
5273
5090
5673
6283
51341
55052
55380
62589
66208
63.84
69.75
81.04
87.23
97.24
0.47
0.42
0.56
0.63
0.75

Capital and Reserves & Surplus

Deposits
Investments
Advances

174765
1992735
723926
1285039

201706
2298969
834993
1540853

237982
2641571
926545
1846473

278963
3158914
1093333
2300795

330127
3738964
1344993
2699373

187898
27821
128340
39392
2.79

204975
31518
140760
47153
2.56

232989
30286
147681
56000
2.95

325802
33948
225057
65404
2.95

399275
41452
278598
77459
2.94

Cost of Funds (CoF)

Return on advances adjusted to CoF
Wages as % to total expenses

6.67
5.15
13.26

6.13
4.82
14.57

5.66
5.02
16.75

7.10
4.88
13.00

7.27
4.88
12.28

Return on Equity
Return on Assets
CRAR
Net NPA ratio

14.69
1.15
14.74
0.90

12.29
0.95
14.85
0.82

14.11
1.12
14.55
0.53

15.18
1.20
14.12
0.58

16.22
1.26
13.73
0.77

Items

Interest income
Other income
Interest expended
Operating expenses
Net Interest Margin

OLD PRIVATE SECTOR BANKS

Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee
Capital and Reserves & Surplus
Deposits
Investments
Advances

SBI and its Associates

(Amount in ` million)
Bank Group-wise Aggregates
2008-09
2009-10
2010-11
2011-12
2012-13
7
7
6
6
6
16938
18390
19338
20256
21301
268598
266605
283375
279809
293965
65.02
73.74
79.05
91.38
101.97
0.44
0.47
0.42
0.55
0.60
724216
10070415
3576239
7394499

837256
11080856
3874734
8579368

843942
12458624
3856967
9941536

1072494
14050241
4173221
11519913

1253189
16184449
4729979
13792240

891958
160727
617704
200877
2.39

979537
183937
662285
252828
2.36

1098281
192400
670179
291459
2.84

1435552
178231
888609
327299
3.25

1637677
197442
1065334
370940
2.98

Cost of Funds (CoF)

Return on advances adjusted to CoF
Wages as % to total expenses

6.00
3.98
15.06

5.32
3.60
17.10

4.85
4.11
19.97

5.66
4.61
17.42

5.96
3.93
16.20

Return on Equity
Return on Assets
CRAR
Net NPA ratio

17.74
1.02
13.96
1.47

15.92
0.91
13.46
1.50

14.11
0.79
12.25
1.49

16.00
0.89
13.70
1.76

15.29
0.88
12.67
2.04

Interest income
Other income
Interest expended
Operating expenses
Net Interest Margin

Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee

Public Sector Banks

(Amount in ` million)
Bank Group-wise Aggregates
2008-09
2009-10
2010-11
2011-12
2012-13
26
27
27
26
26
75779
57979
62080
65800
70969
801659
731524
739646
755102
774329
127.47
73.44
86.43
101.67
114.68
0.63
0.47
0.53
0.59
0.64
2083419
31127471
10126658
22592117

2410014
36920194
12155981
27010187

2903020
43724487
13360764
33044329

3555749
50020134
15072700
38773075

4086022
57456972
17591058
44727740

2730882
424662
1934467
555037
2.35

3059826
488932
2119401
660749
2.29

3661345
479649
2311530
829652
2.77

4847318
503997
3285889
902052
2.76

5548765
567812
3879290
1018122
2.57

Cost of Funds (CoF)

Return on advances adjusted to COF
Wages as % to total expenses

6.06
4.05
13.88

5.35
3.75
14.79

4.91
4.23
17.50

6.06
4.25
13.72

6.27
3.81
13.09

Return on Equity
Return on Assets
CRAR
Net NPA ratio

17.94
1.03
13.49
0.94

17.47
0.97
13.27
1.10

16.90
0.96
13.08
1.09

15.33
0.88
13.23
1.53

13.24
0.78
12.38
2.02

Capital and Reserve & Surplus

Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin

No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee

Private Sector Banks

(Amount in ` million)
Bank Group-wise Aggregates
2008-09
2009-10
2010-11
2011-12
2012-13
20
22
22
21
20
16001
9288
10516
12097
13970
269941
193578
188332
217953
248284
94.06
67.76
77.27
82.60
86.23
1.07
0.56
0.70
0.81
0.92

Capital and Reserve & Surplus

Deposits
Investments
Advances

996686
7363776
3065312
5753276

1199839
8228007
3541169
6324409

1385664
10027588
4220576
7975440

1592952
11745874
5259822
9664030

1929461
13958355
6261063
11432486

850714
178602
569574
217794
2.86

828064
204231
512056
228510
2.90

967131
208734
571491
276064
3.10

1345555
250480
867843
340301
3.09

1664864
297927
1071332
404851
3.22

Cost of Funds (CoF)

Return on advances adjusted to COF
Wages as % to total expenses

6.27
5.31
10.83

4.83
5.06
12.73

4.60
5.11
14.53

5.84
5.22
12.22

6.12
5.41
11.61

Return on Equity
Return on Assets
CRAR
Net NPA ratio

11.38
1.13
15.23
1.29

11.94
1.28
17.43
1.04

13.70
1.43
16.46
0.56

15.25
1.53
16.21
0.46

16.47
1.63
16.84
0.52

Items

Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin

Items
No. of banks
No. of offices
No. of employees
Business per employee
Profit per employee

All Scheduled Commercial Banks

(Amount in ` million)
Bank Group-wise Aggregates
2008-09
2009-10
2010-11
2011-12
2012-13
89
80
81
81
87
92114
67562
72906
78215
85262
1096984
954684
955990
1001096
1048520
121.33
73.98
86.23
99.03
109.95
0.83
0.55
0.60
0.70
0.78
3679473
40632011
14495506
29999239

4301613
47469196
17290059
34967200

5099192
56158743
19236333
42974875

6085618
64535485
22339033
50735592

7089300
74295324
26132752
58797025

3884816
752204
2632232
895814
2.62

4151786
792676
2720836
1000279
2.54

4913407
798501
2989248
1231403
2.91

6552839
863437
4303557
1375720
2.90

7636115
977866
5138027
1565855
2.79

Cost of Funds (CoF)

Return on advances adjusted to COF
Wages as % to total expenses

5.99
4.56
13.60

5.10
4.19
14.85

4.75
4.47
17.22

5.90
4.51
13.73

6.12
4.21
13.02

Return on Equity
Return on Assets
CRAR
Net NPA ratio

15.44
1.13
13.97
1.05

14.31
1.05
14.54
1.12

14.96
1.10
14.19
0.97

14.60
1.08
14.24
1.28

13.84
1.03
13.88
1.68

Capital and Reserve & Surplus

Deposits
Investments
Advances
Interest Income
Other income
Interest expended
Operating expenses
Net Interest Margin