State Bank Of India

Financial

	SBI	HDFC Bank	ICICI Bank
Operational Metrics
Asset Management Sector
% of AUM in equity fund	33.78 %	n/a	53.19 %
AUM - Mutual Funds	968543.61 Crs	n/a	752295.35 Crs
5 Yr AUM CAGR - Mutual Funds	26.22 %	n/a	17.6 %
Banking Sector
Net Interest Margin	3.28 %	3.63 %	4.4 %
Yield On Advances	8.91 %	8.4 %	9.88 %
Credit Deposit Ratio	76.2 %	107.95 %	87.34 %
Cost To Income Ratio	51.3 %	41.3 %	39.2 %
CASA Ratio	41.44 %	38.2 %	38.9 %
CASA vs Liabilities	30.56 %	22.53 %	23.75 %
Fresh Slippages - Quarterly	3867.0 Crs	7000.0 Crs	5139.0 Crs
Capital to Risks Assets Ratio (CRAR)	14.28 %	18.8 %	16.33 %
Tier 2 Capital	2.35 %	2.0 %	0.73 %
Tier I Capital	11.93 %	16.8 %	15.6 %
Gross NPA	2.24 %	1.24 %	2.16 %
Net NPA	0.57 %	0.33 %	0.42 %
General Insurance Sector
Risk Retention Ratio	66.5 %	n/a	n/a
Combined Ratio	111.63 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	1224.48 Crs	n/a	n/a
Float	5105.81 Crs	n/a	n/a
Yield On Total Investments - General Insurance	7.04 %	7.2 %	n/a
NBFC
Cost of Borrowing	4.81 %	4.9 %	5.05 %
Financials
5 yr Average ROE	10.4 %	16.81 %	12.57 %
5yr average Equity Multiplier	17.0	8.65	10.16
5yr Average Asset Turnover Ratio	0.08	0.09	0.1
5yr Avg Net Profit Margin	6.47 %	20.42 %	11.05 %
5yr Avg Net Profit Margin	6.47 %	20.42 %	11.05 %
5yr CAGR Net Profit	89.13 %	15.55 %	51.57 %
5yr CAGR Sales	7.44 %	10.52 %	7.23 %
5 yr CAGR PPOP	9.29 %	12.03 %	13.8 %
Price to Book	1.76	2.44	3.08
P/E	10.88	17.35	17.8
Shareholdings
Promoter Holding	57.54 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.09 %	-25.97 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.96 %	10.19 %	3.66 %

Business

	SBI	HDFC Bank	ICICI Bank
Loan Break-Up	Loan Break-Up Home loans 22.9 Consumer Finance 16.15 Others 13.72 Services 13.25 Agricultural Loan 9.63 Power 6.2 Auto loans 3.73 Roads & Bridge 3.58 Iron & Steel 2.02 Petrochemicals 1.65 Commercial Real Estate 1.58 Infrastructure 1.35 Textiles 1.23 Telecom 1.14 Engineering 0.85 Personal loans 0 Advances to industries eligible 0 Agriculture and allied activities 0 Credit cards 0 Rural loans 0 Business banking 0 Vehicle loans 0 Mortgage loans 0 Overseas book 0 Corporate-Domestic 0 SME-Domestic 0 Others 1.02	Loan Break-Up Petrochemicals 0 Vehicle loans 0 Textiles 0 Infrastructure 0 Personal Loan 28.94 Business banking 0 Mortgage loans 0 Advances to industries 28.66 Consumer Finance 0 Telecom 0 Credit cards 0 Overseas book 0 Iron & Steel 0 Auto loans 0 Roads & Bridge 0 Home loans 0 Agricultural 9.04 Rural loans 0 Engineering 0 Services 33.36 Power 0 Commercial Real Estate 0 Corporate-Domestic 0 SME-Domestic 0 Agricultural Loan 0 Others 0	Loan Break-Up Petrochemicals 0 Auto loans 7.6 Textiles 0 Infrastructure 0 Personal Loan 9.4 Business Banking 7.4 Loan Against Property 32.5 Advances to industries eligible 0 Consumer Finance 0 Telecom 0 Credit Cards 4.1 Overseas 3.4 Iron & Steel 0 Auto loans 0 Roads & Bridge 0 Home loans 0 Agriculture and allied activities 0 Rural Finance 8.3 Engineering 0 Services 0 Power 0 Commercial Real Estate 0 Corporate-Domestic 21.7 Small & Medium Enterprises (SME) loans 4.9 Agricultural Loan 0 Others 0 Others 0.7
Segment Break-Up	Segment Break-Up Consumer Finance 34.01 Corporate Banking 21.51 Treasury Operations 20.94 Insurance 18.37 Insurance Business 0 Wholesale banking 0 Retail banking 0 General insurance 0 Life insurance 0 Others 5.17	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Life insurance 0 Consumer Finance 36.67 Consumer Finance 0 Insurance Business 17.47 Corporate Banking 27.47 Insurance 0 General insurance 0 Others 18.39	Segment Break-Up Treasury Operations 0 Corporate Banking 0 Life Insurance Business 12.98 Consumer Finance 33.56 Consumer Finance 0 Insurance Business 0 Corporate Banking 19.2 Insurance 0 General insurance 0 Others 34.26
Location Wise Break-Up	Location Wise Break-Up India 94.86 Rest of the World 5.14	Location Wise Break-Up India 98.87 Rest of the World 1.13	Location Wise Break-Up India 97.2 Rest of the World 2.8
Operating Profit Break-Up	Operating Profit Break-Up Corporate Banking 48.49 Consumer Finance 28.47 Treasury Operations 20.89 Insurance 2.15 Wholesale Banking 0	Operating Profit Break-Up Treasury Operations 0 Corporate Banking 0 Wholesale Banking 20.69 Consumer Finance 0 Insurance 0 Others 79.31	-
Borrowings Break-Up	Borrowings Break-Up Borrowings and Refinance outside India 51.71 Capital Markets 17.43 Reserve Bank of India 5.08 Financial Institutions 0 Banks 0 Borrowings outside India 0 0 0 Outside India 0 Bonds and notes 0 Unsecured redeemable debentures/bonds 0 Capital instruments 0 0 Commercial paper 0 Deposits 0 Others 25.78	Borrowings Break-Up Capital Markets 0 Other Institutions & Agencies 37.34 Borrowings outside India 23.01 Bonds and notes 0 Commercial paper 0 Unsecured redeemable debentures/bonds 0 Banking 6.84 Capital instruments 0 0 Outside India 0 Deposits 0 Borrowings and Refinance outside India 0 Upper and lower Tier II capital and innovative perpetual debts 11.13 Bonds & Debentures 18.17 Reserve Bank of India 3.52	Borrowings Break-Up Capital Markets 0 Financial Institutions 0 Borrowings outside India 0 Bonds and notes 0 Commercial Papers 5.18 UNSECURED REDEEMABLE BONDS 2.81 Banks 0 Capital instruments 0 Bonds & Debentures 26.81 Outside India 23.53 Deposits 1.94 Borrowings and Refinance outside India 0 0 0 Reserve Bank of India 1.0 Others 38.73
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Weather & Crop Insurance 26.91 Health Insurance 25.83 Motors 25.82 PERSONAL ACCIDENT 13.07 Fire Equipment 5.55 Others 2.81 Others 0.01	-	-
Asset Break-Up	Asset Break-Up India 88.68 Others 11.32	Asset Break-Up India 97.5 Others 2.5	-
NPA Break-Up	NPA Break-Up Agricultural 33.94 Corporate 33.85 SME 19.58 Pre-Segment 10.56 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 2.07	-	NPA Break-Up Priority Sector 54.46 Personal Loan 19.18 Services 16.6 SME 0 Agricultural 9.76 Pre-Segment 0 Corporate 0 Agricultural 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 77.8 Priority Sector 22.2 Non-Priority 0 Priority 0 Non-priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 66.64 Priority Sector 33.36 Non-priority sector 0 Priority sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non-Priority 0 Priority 0 Non Priority Sector 72.79 Priority Sector 27.21 Non Priority Sector 0
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management ETF 32.92 Equity 31.38 Debt 11.99 Liquid/ Money Market 11.43 Balanced schemes 10.12 Others 2.16	-	AUM Break-Up - Asset Management Balanced schemes 4.4 ETF 7.07 Liquid/ Money Market 10.44 Debt 21.18 Equity 51.66 Others 5.25

State Bank Of India

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