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TABLE ISTATE BANK OF INDIA -FINANCIAL HIGHLIGHTS-2005-2009

Rs. in Billion FY2005 FY 2006 FY2007 FY 2008 FY 2009

Deposits 3670.48 3800.46 4355.21 5374.05 7420.73

Advances 2023.74 2618.01 3373.36 4168.95 5425.03

Investments 1970.98 1625.34 1491.49 1895.01 2759.54

Total Assets 4598.83 4940.29 5665.65 7215.26 9644.32

Interest Income 324.28 359.80 394.91 489.50 637.88

Interest

Expenses184.83 203.90 234.37 319.29 429.15

Net InterestIncome

139.45 155.89 160.54 170.21 208.73

Non-InterestIncome

71.20 74.35 57.69 86.95 126.91

Total OperatingIncome

210.65 230.24 218.23 257.16 335.64

Staff Expenses 69.07 81.23 79.33 77.86 97.47

OverheadExpenses

31.67 36.02 38.91 48.23 59.01

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Total Operating

Expenses100.74 117.25 118.24 126.09 156.49

Operating Profit 109.91 112.99 100.00 131.07 179.15

Total Provisions 66.86 68.93 54.59 63.78 87.94

Net Profit 43.05 44.07 45.41 67.29 91.21

TABLE II

STATE BANK OF INDIA -FINANCIAL HIGHLIGHTS-2005-2009 (IN US $)

FY2005 FY2006 FY2007 FY 2008 FY 2009

Deposits 83.91 85.18 100.19 133.95 146.31

Advances 46.26 58.68 77.60 103.88 106.96

Investments 45.06 36.43 34.31 47.23 54.41

Total Assets 105.13 110.73 130.33 179.84 190.15

Interest Income 7.41 8.06 9.08 12.20 12.58

Interest Expenses 4.23 4.57 5.39 7.96 8.46

Net Interest

Income3.18 3.49 3.69 4.24 4.12

Non-InterestIncome

1.63 1.66 1.33 2.17 2.50

Total OperatingIncome

4.81 5.15 5.02 6.41 6.62

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Staff Expenses 1.58 1.82 1.82 1.94 1.92

Overhead Expenses 0.72 0.81 0.90 1.2 1.17

Total OperatingExpenses

2.30 2.63 2.72 3.14 3.09

Operating Profit 2.51 2.52 2.30 3.27 3.53

Total Provisions 1.53 1.54 1.26 1.59 1.73

Net Profit 0.98 0.98 1.04 1.68 1.80

TABLE III

STATE BANK OF INDIA

KEY FINANCIALINDICATORS (%)

FY2005 FY2006 FY2007FY

2008FY 2009

ROA 0.99 0.89 0.84 1.01 1.04

ROE 18.10 15.47 14.24 17.82 15.07

EPS(Rs.) 81.79 83.73 86.29 126.62 143.77

BVS(Rs.) 450 525 606 776 918

Dividend Payout Ratio 15.29 16.72 16.22 22.64 22.90

Cost/Income Ratio 47.83 58.70 54.18 49.03 46.62

Capital Adequacy Ratio

(Basel I)

(Basel II)

12.45 11.88 12.34 13.54 12.97

14.25

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Cost of Deposits 5.11 4.77 4.79 5.59 6.30

Yield on Advances 7.68 7.78 8.67 9.90 10.15

Yield on Resources

Deployed7.94 7.10 6.88 6.92 7.10

Net Interest Margin 3.39 3.40 3.31 3.07 2.93

Gross NPA Ratio 5.96 3.61 2.92 3.04 2.86

Net NPA Ratio 2.65 1.88 1.56 1.78 1.79

Provision Coverage(Excl AUCA)

Including AUCA

57 49 47 42.17

56.98

38.42

59.23

TABLE IV

SUMMARY OF STATE BANK OF INDIAS BALANCE SHEET

(Rs. in billion) MARCH2005

MARCH2006 MARCH2007

MARCH2008 MARCH2009

CAPITAL & LIABILITIES

Capital 5.26 5.26 5.26 6.31 6.35

Reserves & Surplus 235.46 271.18 307.72 484.01 573.13

Deposits 3670.48 3800.46 4355.21 5374.04 7420.73

Borrowings 191.84 306.41 397.03 517.27 537.14

Other Liabilities &

Provisions495.79 556.98 600.42 833.62 1106.97

Total 4598.83 4940.29 5665.65 7215.26 9644.32

ASSETS

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Cash & balances with

Reserve Bank of India168.10 216.53 290.76 515.35 555.46

Balances with banks

and

money at call & shortnotice

225.12 229.07 228.92 159.32 488.58

Investments 1970.98 1625.34 1491.49 1895.01 2759.54

Advances 2023.74 2618.01 3373.36 4167.68 5425.03

Fixed Assets 26.98 27.53 28.19 33.73 38.38

Other Assets 183.91 223.81 252.92 444.17 377.33

Total 4598.83 4940.29 5665.65 7215.26 9644.32

Contingent Liabilities 1593.97 2288.51 3065.90 8107.96 7237

Bills for Collection 167.77 205.93 233.68 189.47 438.70

TABLE V

SUMMARY OF STATE BANK OF INDIAS BALANCE SHEET

(In US $ billion)MARCH

2005

MARCH

2006MARCH

2007MARCH

2008

MARCH

2009

CAPITAL &

LIABILITIES

Capital 0.12 0.12 0.120.16 0.13

Reserves &

Surplus 5.38 6.08 7.08

12.06 11.30

Deposits 83.94 85.18 100.19133.95 146.31

Borrowings 4.39 6.87 9.1312.89 10.59

Other Liabilities &

Provisions11.33 12.48 13.81

20.78 21.83

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Total 105.13 110.73 130.33179.84 190.15

ASSETS

Cash & balances

withReserve Bank ofIndia

3.84 4.85 6.69

12.85 10.95

Balances with

banks andmoney at call &short notice

5.15 5.13 5.27

3.97 9.63

Investments 45.06 36.43 34.3147.23 54.41

Advances 46.26 58.68 77.60103.88 106.96

Fixed Assets 0.62 0.62 0.65 0.84 0.76

Other Assets 4.20 5.02 5.8211.07 7.44

Total 105.13 110.73 130.33179.84 190.15

ContingentLiabilities

36.44 51.30 70.53202.09 142.69

Bills for Collection 3.83 4.62 5.384.72 8.65

TABLE VI

STATE BANK OF INDIA MARKET RELATED RATIOS

MARKET RELATED RATIOS MAR 05MAR06

MAR07

MAR08

MAR 09

Market Price (Rs)(as on last day of theyear/quarter)

657 968 993 1599 1067

Price to Book Ratio (%) 1.44 1.84 1.64 2.06 1.17

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Market Capitalization(Rs in Billion)

345.75 509.48 522.56 974.12 677.13

Earning Per Share

( Rs) 81.79 83.73 86.29

126.62 143.77

P/E Ratio (%)8.03 10.40 11.51

12.63 7.42

All Rights Reserved, State Bank of India