STATE BANK OF INDIA

Corporate Centre, Mumbai - 400 021

UNAUDITED FINANCIAL RESULTS FOR THE QUARTER/ NINE MONTHS ENDED 31ST DECEMBER 2012

(Rs.in crores)

State Bank of India (Standalone)

Particulars
Interest Earned (a) + (b) + (c) + (d)

(a) Interest/discount on advances / bills

(b) Income on Investments

State Bank of India (Consolidated)

Quarter ended
30.09.2012
(Unaudited)

31.12.2011
(Unaudited)

30343.62
22800.19
7071.97

29606.84
22538.08
6714.68

27714.35
20891.37
6466.03

88872.91
67472.89
20165.60

77938.67
58936.60
17856.94

106521.45
81077.70
23949.14

42422.61
31908.57
9926.43

41648.34
31437.29
9590.22

38212.43
28858.92
8924.66

124703.76
94240.55
28681.17

107390.90
80824.24
25022.85

147197.39
111341.46
33705.21

109.74
361.72
3648.49
33992.11
19189.16
7012.19
4351.23
2660.96
26201.35

118.01
236.07
3346.63
32953.47
18633.02
6966.80
4280.19
2686.61
25599.82

107.19
249.76
2073.02
29787.37
16195.56
6331.81
4163.28
2168.53
22527.37

379.00
855.42
10488.16
99361.07
55620.03
20419.96
12768.54
7651.42
76039.99

248.87
896.26
8974.69
86913.36
46238.62
18697.99
12225.04
6472.95
64936.61

350.47
1144.14
14351.45
120872.90
63230.37
26068.99
16974.04
9094.95
89299.36

227.08
360.53
8519.53
50942.14
27035.06
13410.66
5813.36
7597.30
40445.72

328.05
292.78
8269.13
49917.47
26493.29
13616.75
5728.38
7888.37
40110.04

217.97
210.88
4894.06
43106.49
22942.44
10244.20
5388.41
4855.79
33186.64

917.14
864.90
22938.55
147642.31
78841.17
37711.74
17052.01
20659.73
116552.91

554.86
988.95
16028.14
123419.04
65123.85
29689.62
15878.62
13811.00
94813.47

776.26
1374.46
29691.58
176888.97
89319.55
46856.03
22084.03
24772.00
136175.58

7790.76

7353.65

7260.00

23321.08

21976.75

31573.54

10496.42

9807.43

9919.85

31089.40

28605.57

40713.39

2667.91

1825.60

2407.42

6949.84

9949.82

13090.23

3534.96

2805.90

3407.29

9687.02

12397.71

16244.44

2766.18
5122.85
1726.79
3396.06
3396.06
3396.06
671.05

1837.19
5528.05
1869.91
3658.14
3658.14
3658.14
671.04

3006.12
4852.58
1589.54
3263.04
3263.04
3263.04
635.00

7393.64
16371.24
5565.48
10805.76
10805.76
10805.76
671.05

8709.01
12026.93
4369.91
7657.02
7657.02
7657.02
635.00

11545.85
18483.31
6776.02
11707.29
11707.29
11707.29
671.04

3508.49
6961.46
2200.77
4760.69
4760.69
55.10
167.35
4648.44
671.05

2854.13
7001.53
2325.88
4675.65
4675.65
53.84
154.18
4575.31
671.04

3749.35
6512.56
2134.12
4378.44
4378.44
49.46
109.82
4318.08
635.00

9993.50
21402.38
6997.83
14404.55
14404.55
165.72
471.82
14098.45
671.05

10465.72
16207.86
5580.98
10626.88
10626.88
112.05
437.95
10300.98
635.00

14209.98
24468.95
8639.50
15829.45
15829.45
143.85
630.20
15343.10
671.04

31.12.2012
(Unaudited)

9 Months ended
31.12.2012
31.12.2011
(Unaudited)
(Unaudited)

Year ended
31.03.2012
(Audited)

Quarter ended
30.09.2012
(Unaudited)

31.12.2012
(Unaudited)

31.12.2011
(Unaudited)

9 Months ended
31.12.2012
31.12.2011
(Unaudited)
(Unaudited)

Year ended
31.03.2012
(Audited)

(c) Interest on balances with Reserve Bank

of India and other inter bank funds

(d) Others

Other Income

2
3

TOTAL INCOME (1+2)

Interest Expended
5
Operating Expenses (i) + (ii)
(i) Employee cost
(ii) Other Operating Expenses
4

TOTAL EXPENDITURE (4) + (5)

(excluding Provisions and Contingencies)

OPERATING PROFIT (3 - 6)
(before Provisions and Contingencies)
Provisions (other than tax) and Contingencies (net of
write-back)
--- of which provisions for Non-performing assets
Exceptional Items
Profit from Ordinary Activities before tax (7-8-9)

8
9
10
11

Tax expenses
Net Profit from Ordinary Activities after tax (10-11)
Extraordinary items (net of tax expense)
Net Profit for the period (12+13)
Share in profit of Associates
Share of Minority

12
13
14
15
16
17

Net Profit after Minority Interest (14+15-16)

Paid-up equity share capital
(Face Value of Rs. 10 per share)
Reserves excluding Revaluation Reserves

18
19

83280.16

105558.97

(As per balance sheet of previous acccounting year)

Analytical Ratios

20
(i)

Percentage of shares held by Government of India

61.58%

61.58%

59.40%

61.58%

59.40%

61.58%

61.58%

61.58%

59.40%

61.58%

59.40%

10.70%
12.21%

11.17%
12.63%

10.19%
11.60%

10.70%
12.21%

10.19%
11.60%

12.02%
13.83%

61.58%

50.61

54.51

51.39

161.03

120.58

50.61

54.51

51.39

161.03

120.58

184.31

69.27

68.18

68.00

210.10

162.22

241.55

184.31

69.27

68.18

68.00

210.10

162.22

53457.79
25370.31
5.30%
2.59%
0.87%

49202.46
22614.59
5.15%
2.44%
0.96%

40098.43
18803.17
4.61%
2.22%
0.97%

53457.79
25370.31
5.30%
2.59%
0.95%

40098.43
18803.17
4.61%
2.22%
0.79%

39676.46
15818.85
4.44%
1.82%
0.88%

241.55

257792831
38.42%

257792395
38.42%

257792395
40.60%

257792831
38.42%

257792395
40.60%

257792395
38.42%

(ii) Capital Adequacy Ratio

Basel I
Basel II
(iii) Earnings Per Share (EPS) (in Rs.)
(a) Basic and diluted EPS before Extraordinary items (net of tax
expense) (Quarter/9 Months numbers not annualised)
(b) Basic and diluted EPS after Extraordinary items
(Quarter/9 Months numbers not annualised)

(iv) NPA Ratios

(a) Amount of gross non-performing assets

(b) Amount of net non-performing assets
(c) % of gross NPAs
(d) % of net NPAs
(v) Return on Assets (Annualised)
21
Public Shareholding
--- No. of shares
--- Percentage of Shareholding
22 Promoters and Promoter Group Shareholding
(a) Pledged/Encumbered
Number of Shares

NIL

Percentage of Shares (as a percentage of the total

shareholding of promoter and promoter group)
Percentage of Shares (as a percentage of the total
share capital of the company)
(b) Non-encumbered

Number of Shares

413252443

413252443

377207200

413252443

377207200

413252443

100.00%

100.00%

100.00%

100.00%

100.00%

100.00%

61.58%

61.58%

59.40%

61.58%

59.40%

61.58%

Percentage of Shares (as a percentage of the total

shareholding of promoter and promoter group)
Percentage of Shares (as a percentage of the total
share capital of the company)

Unaudited Segment-wise Revenue, Results and Capital Employed

State Bank of India (Standalone)
Particulars
1
a
b
c
d
e
f
2
a
b
c
d
e
f

Segment Revenue (income)

Treasury Operations
Corporate / Wholesale Banking Operations
Retail Banking Operations
Insurance Business
Other Banking Operations
Add / (Less) : Unallocated
Total
Segment Results (Profit before tax)
Treasury Operations
Corporate / Wholesale Banking Operations
Retail Banking Operations
Insurance Business
Other Banking Operations
Total
Add / (Less) : Unallocated
Operating Profit
Less : Income Tax
Less : Extraordinary Profit / Loss
Net Profit

(Rs.in crores)

State Bank of India (Consolidated)

Quarter ended
30.09.2012
(Unaudited)

31.12.2011
(Unaudited)

7715.10
11605.03
14594.67

7088.57
11224.29
14640.61

5457.77
10942.15
13387.45

21739.53
34031.50
43504.89

17665.02
31131.10
37984.31

23874.88
42773.40
54091.69

77.31
33992.11

32953.47

29787.37

85.15
99361.07

132.93
86913.36

132.93
120872.90

1406.18
2434.49
2114.37

1241.54
2495.91
2791.36

692.50
1681.10
3385.08

4712.59
6595.76
7787.39

-196.99
4402.64
10384.72

217.24
6106.12
15619.23

5955.04
-832.19
5122.85
1726.79
3396.06

6528.81
-1000.76
5528.05
1869.91
3658.14

5758.68
-906.10
4852.58
1589.54
3263.04

19095.74
-2724.50
16371.24
5565.48
10805.76

14590.37
-2563.44
12026.93
4369.91
7657.02

21942.59
-3459.28
18483.31
6776.02
11707.29

167466.71
93034.31
-126855.43

156778.02
69328.29
-101034.07

139523.68
49405.81
-76529.43

167466.71
93034.31
-126855.43

139523.68
49405.81
-76529.43

138794.44
80103.63
-100180.07

-37358.83
96286.76

-33054.00
92018.24

-37099.53
75300.53

-37358.83
96286.76

-37099.53
75300.53

-34766.79
83951.21

31.12.2012
(Unaudited)

9 Months ended
31.12.2012
31.12.2011
(Unaudited)
(Unaudited)

Year ended
31.03.2012
(Audited)

Quarter ended
30.09.2012
(Unaudited)

31.12.2012
(Unaudited)

31.12.2011
(Unaudited)

9 Months ended
31.12.2012
31.12.2011
(Unaudited)
(Unaudited)

Year ended
31.03.2012
(Audited)

8851.75
17008.63
19879.37
4381.16
876.33
50997.24

8675.42
15793.58
20153.37
4695.33
653.61
49971.31

9182.54
13355.99
17714.35
2369.12
533.95
43155.95

26065.24
48449.46
59764.17
11417.21
2111.95
147808.03

23920.74
40587.58
51317.45
5911.76
1793.56
123531.09

31923.89
56017.05
72593.56
13932.27
2566.05
177032.82

1350.72
3163.46
3163.51
85.72
298.88
8062.29
-1045.73
7016.56
2200.77
4815.79

1177.60
3600.44
3189.17
125.29
177.77
8270.27
-1214.90
7055.37
2325.88
4729.49

534.01
2717.49
4247.39
50.01
121.74
7670.64
-1108.62
6562.02
2134.12
4427.90

4717.19
9316.49
9852.72
386.08
660.26
24932.74
-3364.64
21568.10
6997.83
14570.27

-613.20
7281.95
11915.10
241.48
665.28
19490.61
-3170.70
16319.91
5580.98
10738.93

-478.88
9336.06
18598.40
528.14
879.09
28862.81
-4250.01
24612.80
8639.50
15973.30

221562.83
158049.16
-215774.46
3018.71
3113.34
-47856.64
122112.94

179479.88
125000.51
-150887.31
2926.74
3392.88
-43486.35
116426.35

200004.71
94145.15
-153565.73
2423.64
3424.94
-49703.04
96729.67

221562.83
158049.16
-215774.46
3018.71
3113.34
-47856.64
122112.94

200004.71
94145.15
-153565.73
2423.64
3424.94
-49703.04
96729.67

198588.12
138869.83
-195730.94
2655.26
2900.26
-41052.52
106230.01

Capital Employed (Segment Assets - Segment Liabilities)

a
b
c
d
e
f

Treasury Operations
Corporate / Wholesale Banking Operations
Retail Banking Operations
Insurance Business
Other Banking Operations
Unallocated
Total

Summarised Statement of Assets & Liabilities

(Rs.in crores)

Particulars
1
a
b
c
d
e
f
2
a
b
c
d
e
f

Capital and Liabilities

Capital
Reserves & Surplus
Minority Interest
Deposits
Borrowings (includes preference
shares and subordinate debts)
Other liabilities and Provisions
Total Capital and Liabilities
Assets
Cash and balances with RBI
Balances with Banks and money
at call and short notice
Investments
Advances
Fixed Assets
Other Assets
Total Assets

31.12.2012
(Unaudited)

Standalone
31.12.2011
(Unaudited)

31.03.2012
(Audited)

31.12.2012
(Unaudited)

Consolidated
31.12.2011
(Unaudited)

31.03.2012
(Audited)

671.05
95615.72
0.00
1156691.15

635.00
74665.53
0.00
1000964.52

671.04
83280.16
0.00
1043647.37

671.05
121441.89
4207.48
1562077.63

635.00
96094.67
3605.63
1353232.98

671.04
105558.97
3725.67
1414689.40

148374.35
67384.71
1468736.98

124157.85
100984.55
1301407.45

127005.57
80915.09
1335519.23

178541.48
134675.42
2001614.95

153730.60
157652.36
1764951.24

157991.36
147319.73
1829956.17

51709.52

71875.56

54075.94

72549.97

93259.79

79199.21

29315.90
359959.46
978115.31
6685.60
42951.19
1468736.98

21236.12
308476.11
846265.96
5224.00
48329.70
1301407.45

43087.22
312197.61
867578.89
5466.55
53113.02
1335519.23

31865.39
521959.19
1306757.47
9057.26
59425.67
2001614.95

28715.46
451104.51
1122126.59
7154.48
62590.41
1764951.24

48391.62
460949.14
1163670.21
7407.96
70338.03
1829956.17

The above results have been approved by the Central Board of the Bank at the meeting held on 14th February 2013
and were subjected to "Limited Review" by the Bank's Statutory Central Auditors.

Place : Mumbai
Date : 14.02.2013

S Vishvanathan
MD & GE (A & S)

A.Krishna Kumar
MD & GE (Nat. Bkg.)

Diwakar Gupta
MD & CFO

H G Contractor
MD & GE (Int'l Bkg.)

Pratip Chaudhuri
Chairman