Quarterly

Results

Q1FY 2010-11

0

1

Highlights – SBI Stand-alone Balance Sheet

June-09 June-10

CASA Ratio is up

by 906 bps

June-09 June-10Mar-10

Advances

growth (YOY)20.74%22.79% 16.94%

Advances

market share 16.55%16.43% 16.28%

Deposits

growth (YOY)6.78%35.99% 8.36%

Demand

deposits

market share

16.24%15.35% 17.51%

Deposits

market share 16.14%17.43% 16.31%

Mar-10

CASA ratio 38.45% 47.51%46.67%

CA growth

(YoY) 18.56% 12.53%18.98%

SB growth

(YoY)23.99% 33.85%29.75%

Growth in

CASA (YOY)22.70% 28.93%26.76%

2

Highlights – Q1FY11 vs Q1FY10

Rs crores, SBI Standalone, except for group net profit

Q1 FY 10 Q1 FY 11 % growth

Net interest income 5025

Other income 3569

Operating income 8594

Operating cost 4920

Fee income 1862

Operating profit 3674

Net profit (standalone) 2330

Net profit (group) 2759

Q1 FY 10 Q1FY 11

Net interest

margin2.30%

57.25%Cost to income

ratio

41.53%Other income to

operating income

ratio

Loan loss provision 1344

17.09%

2410

7304

10994

3690

27.93

29.41

3.40

45.35

4859 -1.23

6134 66.97

44.20%

33.56%

NIM up by 88 bps & C/I down by 1305 bps YOY

1733 28.96

2.66%

38.74%

52.59%

Mar10

ROA

ROE

COD

YOA

0.92% 0.88%

15.88% 14.04%

6.16%

10.01%

5.80% 5.27%

9.30%9.66%

2914 25.05

1.07%

3.18%3365 21.99

3

Advances growth has picked up and market share has increased by 12 bps

�Growth driven by large corporate and retail sector.�Non fund based business (BG & LC) has grown by 27% YOY.�Market share of retail loans has increased to 23.74% in June 10 from 19.95% in June 09.

Advances Rs crore

Market share (domestic) Percent

As on last reporting Friday of the quarter

June 09 June 10

20.74% p.a. YOY

June 09 June 10

12 bpsYOY

Mar 10 Mar 10

4

Loan book is well diversified

Across segments Within corporate segment, advances are spread across many industries1

1 As on last reporting Friday

5

Composition of advances growth (1/7)

Rs crores

June 10 over June 09

Large-corporate

June 09 June10Mar10

• 24% growth in Fee Income (YOY).

• 48% growth in Fee Income from Project Finance.

• Over 84% of the exposure to borrowers has been rated.

• Advances growth during Q1FY11 is Rs.7,220 crores as against Rs.2,098 crores in Q1FY10.

• 54 loans aggregating Rs.14,798 crores (FB+NFB) sanctioned (new + enhancements) during Q1FY11.

• Sanctions under Infrastructure finances increased to Rs.6,235 crores in Q1FY11 as against Rs. 5,979 crores in Q1FY10.

34.72%YOY

6

Composition of advances growth (2/7)

Rs crores

June 09 June 10

14.30%YOY

Mar 10

June 10 over June 09

• Upturn seen in Textiles, Iron & Steel, Auto, Infrastructure, Gems & Jewellery.

• Fee Income grew by 34% YOY.

• Decline in advances during Q1FY11 restricted to Rs.1,594 crores as against a negative growth of Rs.6,912 crores in Q1FY10.

• 112 new loans aggregating Rs. 7,791 crores (FB+NFB) sanctioned during the quarter.

• Robust growth in Precious Metals Business driven by 176% growth in sale of Gold and 62% growth in Metal Gold Loans.

Mid-

Corporate

Composition of advances growth (3/7)

Rs crores

June 10 over June 09

June 09 June 10

22.07%YOY

Mar 10

• USD 1 bn mobilised successfully overseas in July 10, with oversubscription of 4.5 times vide Standalone rule 144A regulations bond issue. Tapped US market for the first time.

• 8 new branches opened during the quarter, taking the total to 150 foreign offices in 32 countries

• Number of ATMs outside India is 89

• 38% growth in Net profit of Foreign Offices

• Growth in remittance business is 61.69% from Rs.8,343 crores in Q1FY10 to Rs. 13,490 crores in Q1FY11.

• Market share in remittance business is 29.68% (March 10).

• Fee income has grown by 21.34% from Rs.177 crores in Q1FY10 to Rs.215 crore in Q1FY11

7

Inter-

national

8

Composition of advances growth (4/7)

Rs crores

SME

June 09 June 10

14.72%YOY

Mar 10

June 10 over June 09

• New tie-ups with Volvo

Equipments Ltd. and Escorts

Equipments Ltd. for equipment

finance and Hindustan Motors for

vehicle finance.

• New range of power products

launched

• Relationship concept introduced

for Medium Enterprises

• 21,463 applications amounting to

Rs.289 crores received under SME

– OTS scheme valid till 31/07/10.

9

Composition of advances growth (5/7)

June10 over June 09

Agri loans

15.98%YOY

June 10June 09

Rs crores

Mar 10

• Disbursement of Rs.7,892 crs in Q1FY11 as against Rs.5,630 crs in Q1FY10.

• 2.89 lac new farmers financed during Q1 FY11.

• Produce Marketing Loans (PML) for direct lending to farmers at 8.5% (fixed).

• Financing Floriculture (Pushpa Ulhas) piloted in Bangalore, Hyderabad and Mumbai.

• Organic farming piloted for 5 circles.

• Initiatives taken under Bonding with Farmers:

• Farmers’ Meet, Farmers’ Club, SBI Ka Apna Gaon etc.

Composition of advances growth (6/7)

June 10 over June 09

Home loans

Average ticket

size (Rs lacs)

Market share

(ASCB)

37% 38%

36% 34%

20% 20%

7% 7%

29.83%YOY

June 10June 09

Rs crores

19.82%

SBI continues to be no. 1 in retail lending

in India

24.46%*

Distribution

* As on March 2010

Mar 10

23.8%

38%

34%

20%

7%

• CNBC Award 2010 for Most Preferred Home Loan Provider for the fifth time.

• 66988 loans amounting to Rs.6,915 crores sanctioned in Q1FY11 (Rs. 6,042 crores in Q1FY10).

• Highest absolute growth in Q1 amongst peer level banks / NBFCs (YTD growth Rs. 3,476 crores in Q1FY11 as against Rs. 3,450 crores in Q1FY10).

• 95% of the borrowers are 1st time buyers.

• Disbursed Rs. 4,660 crs in Q1FY11 as against Rs.4,350 crores in Q1FY10.

• Prudent Loan To Value (LTV) ratio of 61%.

8.84 10.3210.01

• Metro

• Urban

• Semi urban

• Rural

10

11

Composition of advances growth (7/7)

June10 over June 09June 10 over June 09

3.26 3.76

2.82 3.21

Auto loans

Eduloans

30.75%YOY

June10June 09

June 09

48.06%YOY

June 10

Average

ticket size (Rs lacs)

Average ticket size (Rs lacs)

Rs crores

15.12% 16.82%Market

share (%)

24.80% 25%Market

share (%)

• Average TAT for sanction of loans is 4 days.

• 13,118 loans sanctioned during Q1FY11.

• Scholar loan institutes increased from 61 to100 during the current academic year. 20NITs included.

• Rs. 5.12 crores sanctioned under SBIscholar scheme in Q1FY11.

• Average TAT for sanction of loans is 2 days.• An average number of 22,000 loans are

sanctioned every month.• 7,049 loans amounting to Rs.429 crores

disbursed under SBI Advantage car loanscheme.

• Total disbursement in Q1FY11 is Rs.1,303crs.

Mar 10

25%

3.76

Mar10

16.8%

3.00

12

Interest Income during

12.25%

Yield on advances

11.75% 11.75% 11.75% 11.75%PLR

�During Q1 FY10, PLR lower by 50 bps impacting interest

income by Rs.426 crores.

�Interest on resource operations lower due to hike in CRR

by 100 bps over June 09 and reduction in surplus liquidity.

�PLR reduced by 50 bps on 29.06.2009

�More than 85% of the incremental lending

during the quarter has been below PLR.

�Base Rate at 7.50% implemented wef 1st July

2010.

Percent

Q4Q3Q2Q1

Mar 10Mar 09 Jun 09 Sep 09 Dec 09

Rs crore Q1FY11 vs. Q1FY10

June10

11.75%

Q1

Interest income on advances

12,96712,63912,66912,357 8.62%13,422

FY 2010 FY2011

Interest Income has risen as loan book growth offset decline in PLR

Interest income on resource operations

4,6704,6744,9174,988 4610 -7.57%

Sundry interestincome

328466190128 420 228.03%

Total interestincome

17,96617,77917,77617,473 18,452 5.61%

13

� SB Deposits have grown by 33.85% YOY in Q1FY11 as against 23.99% during Q1FY10.

Absolute growth is Rs. 71806 crs YOY and Rs. 27696 crs in Q1FY10.

� 41.98 lacs SB accounts have been opened in Q1FY11 taking the total number to 11.34 crs.

� CA Deposits have grown by 12.53% YOY in Q1FY11; absolute growth is Rs. 7982crs YOY.

� 1.62 lacs CA opened in Q1FY11 taking the total number to 21.59 lacs.

Deposits

Rs. Crores CASA ratio

Percent

6.78% YOY

815297

Domestic Deposits

Rs. Crores

Foreign deposits

Domestic deposits

763563

769412732428

-51%

YOY

10%

YOY

29%

YOY

47.37%

YOY

5.05%

YOY

5.05% YOY

Domestic deposit growth is lower at 5.05% due to shedding of high cost bulk deposits; CASA up by a robust 29 %

CASA

Retail TD

Bulk TD

45885

769412

732428764717

39399

804116764717

14

�Incremental CD ratio during Q1FY11 was as high as 233%.

Note: Domestic deposits exclude Interbank deposits

CASA ratioPercent

CD ratioPercent

72.32% 69.80% 72.22% 73.28%

ASCB CD ratio

CASA and CD ratios continue to improve

CASA Ratio

RUSU CASA Ratio

Percent

Cost of deposits Interest expense

Rs crore

Q4Q3Q2Q1

Sundry

interest

expense

Interest

expense on

borrowings

Interest paid

on deposits

Total

interest

expense

10,29710,44511,15611,436

288299310330

659719701682

11,24411,46312,16712,448

4.26%

8.16%

-11.85%

• Sequential decline in Cost of deposits

due to shedding of bulk deposits and

increase in CASA.

Q1FY11 interest paid on deposits lower than Q4FY10 despite

switch in calculation method of SB interest to daily product

basis which has added around Rs. 300 crores to the interest

outgo during Q1FY11.

Q1FY11

vs.

Q1FY10

-10.44%

Q1

11,148

FY2011FY 2010

Cost of deposits has fallen

10,080

357

711

15

16

NII and NIM continue to improve

Rs crore

NII

Q1 FY11Q1FY 10

NIMPercent Cumulative NIM

Q4 FY10Q3 FY10Q2 FY10Q1 FY10

2.30% 2.43% 2.56% 2.66%

NII

5,0255,609

6,316 6,7217,304

2.30 2.55 2.82 2.96 3.18

Q1 FY11

3.18%

Q2FY 10 Q3FY 10 Q4FY 10

�NIM up sequentially despite change in SB interest calculation method.

�NII is highest in Q1FY11 since last 12 quarters.

4.30% 2.82% 9.69% 38.81% 45.35%

YOY Growth of NII

Surplus liquidity has declined and so has negative carry

Quarter wise average surplus liquidity (Rs Crore)

Quarter wise Negative Carry (Rs Crore)

-3.28% -3.34% -3.20% -2.80% -2.48%

One year TD rate

6.007.08.10 6.50 6.00

Negative Carry %

6.00

-1.83%

17

18

Fee income up by 29.41% YOY, one of the highest

among peers

Rs crores

Q1 FY11 vs. Q1 FY10

� Fee Income continues to record robust growth driven by growth in Loan Processing, NFB business,

Income from Tech products, Cross selling and Govt. business.

� Growth in Misc. Other income driven by 42% growth in recovery from written off accounts.

xx y-o-y growth

29.41%3.40%

3569

1862

709470

358169

3690

2410

173

503377

227

Total Other

Income

Fee Income Profit on Sale of

Investments

Forex Income Dividend Misc. Other

Income

Jun 09

Jun 10

6.83%-75.54%

5.33%34.32%

Excluding Profit on Sale of

Investments, growth in other

income at 23%.

19

96 447 765

1623

2964 28271451

1508

2444

1785

Q1FY09 Q1 FY10 Q4 FY10 Q1 FY11

Overheads

Salary

Contribution

for Employees

Operating Expense YOY

growth Q1FY114920

6036

4859-1.23%

18.36%

-51.06%

263.07%

�Salary for Q1FY10 includes Rs.627 crores of wage revision arrears pertaining to prior period, salary for

Q1FY11 includes Rs.845 crores write-back of excess wage revision provision.

�A provision of Rs.1,100 crs made during Q1FY11 on account of gratuity as against estimated acturial

requirement of Rs.2,200 crs for the whole year.

2035

3259

Lower Operating costs backed by overheads control

x

1128

50.95%

33.70%

45.65%

366.69%

x YOY Growth Q1FY10

20

Operating income growth remains robust at 28% YOY

Other Non-interest incomeNII

Q1FY11 vs. Q1FY10

Operating income

Rs crores

Non interest

income/operating

income

Cost / Income ratio

42% 34%

Q1FY10 Q1FY11Q4FY10Q3FY10Q2FY10

57.25% 52.30%

40%35%39%

44.20%53.75%47.07%

8594 91349682

11230 10994

Fee Income

Alternate channel usage has increased rapidly

• No of ATMs for group

• No of ATMs for SBI

• Hits per day

• No of accounts

• No of transactions

• No of transactions

• Number

• Market share (for SBI) (%)

• Registered mobile users

• No of transaction(Financial)

June 10

16369

286

43.57

554

30.54*

2,18,434

March 10

21485

30.47

June 09

29.24

ATMs

Debit Card (lacs)

Internet Banking (lacs)

POS Transaction (lacs)

Mobile banking

• No of registered customers 4,93,463Contact centre

23.4321.4519.67% of total transactions

on alternate channels

• Market share (for group) (%) 39.39*39.0537.97

21751

16584

271

590

260.39

72.13

3,17,377

6,76,44229,002

39.74

428

13877

10978

336

16,060

118.57

*Estimates based on May 2010 figures of RBI website

**During Q4FY10

47.29

1,66,550 5,86,899

% net of non – eligible

transactions23.98 31.19 35.00

31.94

234.54**

63.32**

4,29,242**

21

22

Asset Quality remains steady

Rs crores

�Out of the Total Standard Assets of Rs. 16,796 crores restructured under RBI dispensation, Rs. 1,774 crores

have slipped into NPA category up to June 2010 (additional Rs.158 crores in Q1FY11) – Slippage ratio is

10.56%.

Asset quality

Mar 10Dec 09Sep 09June 09

Gross NPA Net NPA

2.79% 1.55% 2.99% 1.73% 3.11% 1.88% 3.05% 1.72%

Growth in NPAs during the quarter

2058 1485 674

June 10

1.70%3.14%

1290-396*

*Decrease of Rs.1,651 crores due to upgradation of Ratnagiri Gas & Power (Dabhol)

23

Movement of NPAs during Q1FY11 (1/2)

Opening stock of NPAs

Fresh slippage

Up gradation + recovery

Write off

Closing NPAs

15,714 19,535

11,843 4,081

6,031 2,164

1,991 627

19,535 20,825

Net increase in NPAs by Rs.1290 crores in Q1FY11

Retail 365

SME 183

Agriculture 683

Corporate 102

-43International

Provision Coverage Ratio (PCR) including AUCA to 60.70% as on June 10 as against 59.23% as on March 2010

Q4FY10 Q1FY11

24

Movement of NPAs during Q1FY11 (2/2)

Net increase in NPAs Rs.1,290 crs

in Q1FY11 to reach a total of

Rs.20,825 crs as on June 10

Retail 4,513

SME 4,694

Agriculture 3,004

Corporate 6,958

1,656International

Particulars Corporates IBG SME AGRI Retail

Cash Recovery 286 49 242 145 192

Upgradation 161 16 467 171 435

Write off 0 0 223 284 120

Gross Reduction 447 65 932 600 747

Fresh Slippages 549 22 1,115 1,283 1,112

Net increase 102 -43 183 683 365Total 20,825

Details of Standard Assets Restructured

25

Under RBI Scheme

FY 08-09 10777

Q1FY10 6019

FY 09-10 6019

Total 16796

Slippage during

Q1FY11 158

Slippage upto June 10 1774

% of slippages 10.56

Rs. In crores

Details of asset-wise provisioning

Rs crores

30-06-2009

NPAs Provision % NPAs Provision %

31-03-2010

NPAs Provision %Asset Category

Substandard

Doubtful

Loss

Whole Bank

Advances

under

Collection

8,066

8,672

2,797

19,535

1,251

4,617

2,797

8,665

15.51

53.24

100.00

44.36

30-06-2010

Whole Bank

incl. AUCA

7,127 7,127 100.00

59.2315,79226,662

PCR

20,825

28,179

7,354

9,751

100.00

22,206

6,888

13,804

6,888

6,91615,318 45.15

100.00

62.16

6,989 1,080

1,790

6,539

1,790

4,046 5,759

15.45

61.87

100.00

9,649

8,542 1,358

2,634 26,34

59.68

46.82

15.90

100.00

7,354

17,105 60.70

59.2362.16 60.70

26

27

Percent

12.0%

Capital adequacy ratio – Basel I

Capital adequacy ratio – Basel II

Jun 09 Sep 09 Dec 09 Mar 10

Jun 09 Sep 09 Dec 09 Mar 10

12.5% 12.0%13.1% 12.3%

Tier 2Tier 1

14.1% 13.4%14.1% 13.8%

Tier 2Tier 1

Jun 10

Jun 10

The Bank continues to be remain well capitalized

12.2%

3.4%

8.8%

13.5%

3.7%

9.8%

28

New Business Initiatives (1/2)

• Mobile Banking Services offer multiple features, viz. fund transfer to accounts

within the Bank and outside, account enquiry, mobile top up, bill payment,

payment for goods purchased online, cheque book request, DEMAT account

enquiry and payment of SBI Life premium.

• Payment Services Group formed to bring all payment related activities under

one umbrella, viz. remittances, clearing, eZ-Pay Card, Gift Cards, SBI Vishwa

Yatra Cards, Debit Cards RTGS/NEFT etc. for increasing fee income of the

Bank.

• Under Merchant Acquiring Business, the Bank now has tie-ups with four

Groups- Future Group, Military canteen, Regional Pass Port Seva Kendra, and

Bangalore Metro Project. Bank plans to deploy 1.50 lac POS terminals during

FY2011.

• Financial Planning and Advisory Services launched in FY10, now made

available in 924 branches through Relationship Managers / Customer Relations

Executives. AUM of Rs.104 crs as at the end of June 2010 projected to

increase to Rs.900 crs by the end of the current FY.

29

New Business Initiatives (2/2)

• SBI now has 3,060 branches which are demat enabled. As on 30th June 10,

we have 2.41 lac Demat accounts.

• Commercial operations started in our newly opened subsidiaries, SBI – SG

Global Securities Services Pvt. Ltd. (Custodial services with AUC : Rs.28,901

crs) and SBI General Insurance Ltd.

• Fund raising under SBI Macquarie Infrastructure Fund for the domestic leg is

nearing completion. Commitments aggregating approximately Rs. 1,400

crores received so far.

• The JVA for India – Oman Fund has been signed on 14/7/2010. All approvals

in place for this General Purpose Fund for USD 100 mn.

30

Social Transformation through Financial Inclusion (1/2)

Sl. No Particulars June 09 Mar 10 June 10

1 Coverage of unbanked villages 58,000 1,04,000 1,07,000

2 SBI Tiny Cards 26.34 lacs 38.84 lacs 43.15 lacs

3 Rural & Semi Urban branches :

(a) No of branches 7,834 8,390 8,442

(b) Average business per branch

41.83 crs 45.17 crs 46.20 crs

4 No Frills Accounts (millions) 5.29 6.84 7.16

• Around 19 million households have been covered so far under SLBC project of 100%financial inclusion in identified villages.

• Plan of opening 18 lac new SBI Tiny card accounts through BC/CSPs during the year.

31

Social Transformation through Financial Inclusion (2/2)

• For financial inclusion in metro/urban areas, SBI has set up a specialised

microfinance branch in Dharavi slum area of Mumbai.

• Account with just Re.1 for urban poor - launched the facility in Hyderabad with

installation of 20 Kiosks (CSPs) in association with Geosansar (Bank’s BC).

• 17.59 lac SHGs have been credit-linked with cumulative credit of Rs.11,990 crs

• Cell Phone based Channel for Financial Inclusion launched in Delhi and

Patna Circles

• Internet based Kiosk Channel launched in 9 Circles, and 410 kiosks Outlets

have been set up till June 2010.

• Signed an MoU with UIDAI project as a Registrar, the first bank to have signed

such an MoU.

• Reliance Dairy Food Limited has been appointed as our National BF taking the

total of such BFs to 3. Overall, we have engaged 7,667 BFs as on 30.06.10

Socio-Economic and Environmental Initiatives

� Adopted a Green Banking Policy and several measures undertaken

like switching over to energy efficient lighting system, installation of

energy savers, efficient water management systems, waste disposal

,tree plantation and more. Paperless Banking launched in 51

branches on July 1, 2010.

Clean/Green environment

� Fund cum Authorisation Model for Social Sector Flagship Schemes

like National Literacy Mission of HRD Ministry is at the

implementation stage and SBI has signed an MoU with HRD

Ministry to partner them in 20 States

� Continuing with R & D initiatives, the Bank has set up a ‘SBI Chair

for Public Leadership’ in the Indian School of Business, Hyderabad

in addition to the existing ‘India Observatory and I.G.Patel Chair’ at

the Asia Research Centre of London School of Economics, in

participation with RBI.

Youth

Others

� SBI is participating in a joint field pilot with UIDAI for Financial

Inclusion for deployment of micro ATMs conforming to UID

standards.

32

33

Performance Highlights of Associate Banks (1/2)

OPERATING PROFIT NET PROFIT

Bank UptoYOY

Growth (%)

UptoYOY

Growth (%)Q1FY11 Q1 FY10 Q1FY11 Q1 FY10

SBBJ 290.54 215.34 34.92 103.14 147.30 -29.98

SBH 485.26 315.37 53.87 201.24 110.24 82.55

SBIr 180.78 138.52 30.51 18.09 77.35 -76.61

SBM 269.96 173.96 55.19 111.39 82.19 35.53

SBP 383.75 193.25 98.58 99.30 90.02 10.31

SBT 270.52 239.78 12.82 149.80 179.59 -16.59

Total 1880.81 1276.22 47.37 682.96 686.69 -0.54

Rs in Crores

� Net Interest Income registered a healthy increase of 52.22% YOY to reach a level of

Rs.2565.57 crores in June 2010.

� Net Interest Margin improved by 39 bps over March 2010 (2.81%) and by 81 bps over June 2009

(2.39%) to reach 3.20% in June 2010.

� Net Profit declined marginally by Rs.3.73 crores (from Rs.686.69 crores in June-09 to

Rs.682.96 crores as on June-10) mainly on account of higher provisioning for NPAs.

34

Rs in Crores

DEPOSITS ADVANCES

Bank As atYOY

Growth (%)

UptoYOY

Growth (%)Q1FY11 Q1 FY10 Q1FY11 Q1 FY10

SBBJ 48,173 38,928 23.75 35,720 29,348 21.71

SBH 78,707 63,186 24.57 54,484 42,780 27.36

SBIr 28,798 28,146 2.31 23,215 21,176 9.63

SBM 39,489 33,551 17.70 30,602 26,179 16.89

SBP 64,431 61,257 5.18 47,098 41,902 12.40

SBT 51,777 43,289 19.61 38,946 32,889 18.41

Total 3,11,375 2,68,357 16.03 2,30,064 1,94,274 18.42

� YOY growth of CASA deposits is 26.19%. The ratio of CASA deposits to aggregate deposits

improved to 31.29% in Jun-10 from 28.77% a year ago.

� Gross NPAs increased by Rs.900 crores during Q1FY11 to reach Rs.4898 crores.

� All ABs have formed Core Management Teams headed by senior officers for reviewing account-

wise position at fortnightly intervals. SMAs are being closely monitored by Management Teams

to prevent further slippages. Some of the large accounts which have turned NPAs recently have

been referred to CDR for restructuring.

Performance Highlights of Associate Banks (2/2)

35

Highlights of Some Non – Banking Subsidiaries (1/2)

SBI Life

• SBI Life recorded a profit of Rs.114 Crores as against a profit of Rs.39 Crores as on June 09. YOY growth of 192%.

• AUM of the company as on 30.06.2010 stood at Rs.30082 Crores .YOY growth of 64%

• The company is ranked 2nd amongst the private Insurance companies under New Business Premium, as on June 2010.

SBI Capital Markets Ltd

• The company has posted PAT of Rs. 157.15 Crores in Q1FY11 registering a YOY growth of 93% after excluding provision of Rs.63.99 Crores towards syndication fee sharing payable to SBI.

• Fee Based income increased by 91% YOY.

• Ranked 1st in Rights Issues by Prime Data Base and 2nd in Public Issues for the half year ending 30.06.2010.

• Ranked 1st in Asia ex-Japan Loans Mandated Arranger with 12.90% market share for the half year ending 30.06.2010.

36

Highlights of Some Non – Banking Subsidiaries (2/2)

SBI DFHI

• Trading Income as on 30.06.10 was Rs. 16.19 Crores (highest in the last 3

years) compared to Rs.7.54 Crores in the corresponding period last year.

SBI Cards & Payment Services Pvt. Ltd.

• Recorded a net profit of Rs.3.25 Crs as against a net loss of Rs.24.40 Crs. as

on June 2009.

SBI Pension Fund Pvt Ltd

• AUM was Rs.2743.62 Crores as on 30.06.2010, an increase of 134% YOY.

SBI Global Factors Ltd.

• Company continues to maintain 80% plus market share in factoring business of

standalone factoring companies in India.

37

Recent Awards & Recognitions …..

• Awarded the strongest Banks in Asia Award 2010 for

the Asia pacific region under The Asian Banker

Excellence in Retail Financial Services Awards 2010.

• SBI awarded Visionaries of Financial Inclusion – Year

2009 by Financial Information Network & Operations

Ltd. (FINO).

• State Bank of India has been awarded the prestigious

international award 'Innovation in Banking Technology

Award - 2010' for the 'Innovation in Eco-IT' category

instituted by The Banker Magazine, London, for its

project on Green ATM Installation.

• Only Indian bank to find a place in the Fortune Global

500 list – Up from 363 last year to 282 this year.

• Rankings BY Banker :Only Indian bank among the top

100 banks in the world.

38

Recent Awards & Recognitions …..

• SBI’s ranking has improved to 36 (2010) from 70

(2009) in the Brand Finance Global Banking 500 by

Brand Finance Plc.

• Moved up in rankings from 219th spot last year to

150th spot this year in the Forbes 2000 list of

largest companies in the world

• Ranks 32 in The Indian Express List of The Most

Powerful Indians in 2010.

• “Exemplary Leader Award” at the Global HR

Excellence Awards 2010 by World HRD Congress.

• The QFC Asian Banker Leadership Achievement

Award for the Asia Pacific region for 2010 under

The Asian Banker Excellence in Retail Financial

Services Awards 2010

39

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