State Bank Of India

Financial

	SBI	HDFC Bank	ICICI Bank
Operational Metrics
Asset Management Sector
% of AUM in equity fund	37.68 %	n/a	55.08 %
AUM - Mutual Funds	1185298.48 Crs	n/a	1018984.03 Crs
5 Yr AUM CAGR - Mutual Funds	24.92 %	n/a	22.55 %
Banking Sector
Net Interest Margin	3.09 %	3.35 %	4.34 %
Yield On Advances	8.98 %	8.1 %	9.53 %
Credit Deposit Ratio	78.14 %	95.09 %	88.08 %
Cost To Income Ratio	53.29 %	39.6 %	37.8 %
CASA Ratio	39.97 %	33.9 %	38.7 %
CASA vs Liabilities	29.73 %	23.7 %	23.8 %
Fresh Slippages - Quarterly	4222.0 Crs	9000.0 Crs	6245.0 Crs
Capital to Risks Assets Ratio (CRAR)	14.25 %	19.9 %	16.31 %
Tier 2 Capital	2.14 %	2.1 %	0.66 %
Tier I Capital	12.11 %	17.8 %	15.65 %
Gross NPA	1.82 %	1.4 %	1.67 %
Net NPA	0.47 %	0.47 %	0.41 %
General Insurance Sector
Risk Retention Ratio	67.14 %	n/a	n/a
Combined Ratio	113.8 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	984.36 Crs	870.85 Crs	n/a
Float	7833.75 Crs	n/a	n/a
Yield On Total Investments - General Insurance	5.36 %	6.8 %	n/a
NBFC
Cost of Borrowing	5.11 %	4.8 %	5.02 %
Financials
5 yr Average ROE	15.96 %	16.64 %	15.43 %
5yr average Equity Multiplier	16.59	8.63	9.84
5yr Average Asset Turnover Ratio	0.08	0.09	0.1
5yr Avg Net Profit Margin	9.85 %	19.26 %	14.15 %
5yr Avg Net Profit Margin	9.85 %	19.26 %	14.15 %
5yr CAGR Net Profit	28.19 %	17.33 %	35.85 %
5yr CAGR Sales	11.48 %	24.75 %	9.52 %
5 yr CAGR PPOP	9.78 %	12.37 %	13.8 %
Price to Book	1.56	2.86	3.22
P/E	9.77	22.01	20.09
Shareholdings
Promoter Holding	57.42 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.15 %	-25.73 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.16 %	7.58 %	0.43 %

Business

	SBI	HDFC Bank	ICICI Bank
Loan Break-Up	Loan Break-Up Home loans 23.07 Consumer Finance 15.23 Others 14.9 Services 13.92 Agricultural Loan 9.68 Power 6.31 Auto loans 3.53 Roads & Bridge 2.82 Commercial Real Estate 1.94 Petrochemicals 1.83 Iron & Steel 1.76 Infrastructure 1.19 Textiles 1.1 Engineering 1.03 Telecom 0.71 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 0.98	Loan Break-Up Corporate-Domestic 0 Others 0 Overseas book 0 Vehicle loans 0 Personal Loan 41.33 Textiles 0 Roads & Bridge 0 Commercial Real Estate 0 Mortgage loans 0 Iron & Steel 0 Consumer Finance 0 Rural loans 0 Home loans 0 Engineering 0 Power 0 Services 28.88 Infrastructure 0 Auto loans 0 SME-Domestic 0 Credit cards 0 Business banking 0 Advances to industries 21.6 Agricultural Loan 0 Petrochemicals 0 Telecom 0 Agricultural 8.19	Loan Break-Up Corporate-Domestic 20.4 Others 0 Overseas 2.2 Auto loans 7.1 Personal Loan 8.9 Textiles 0 Roads & Bridge 0 Commercial Real Estate 0 Loan Against Property 32.1 Iron & Steel 0 Consumer Finance 0 Rural Finance 5.7 Home loans 0 Engineering 0 Power 0 Services 0 Infrastructure 0 Auto loans 0 SME-Domestic 0 Credit Cards 4.2 Business Banking 19.2 Advances to industries eligible 0 Agricultural Loan 0 Petrochemicals 0 Telecom 0 Agriculture and allied activities 0 Others 0.2
Segment Break-Up	Segment Break-Up Consumer Finance 35.32 Corporate Banking 21.78 Treasury Operations 20.64 Insurance 17.12 Insurance Business 0 Wholesale banking 0 Retail banking 0 General insurance 0 Life insurance 0 Others 5.14	Segment Break-Up Life insurance 0 General insurance 0 Insurance Business 16.57 Corporate Banking 23.47 Consumer Finance 0 Consumer Finance 39.41 Corporate Banking 0 Insurance 0 Treasury Operations 0 Others 20.55	Segment Break-Up Life Insurance Business 15.05 General Insurance 5.0 Insurance Business 0 Corporate Banking 16.66 Consumer Finance 0 Consumer Finance 31.42 Corporate Banking 0 Insurance 0 Treasury Operations 0 Others 31.87
Location Wise Break-Up	Location Wise Break-Up India 92.62 Rest of the World 7.34 Others 0.04	Location Wise Break-Up India 98.94 Rest of the World 1.06	Location Wise Break-Up India 96.84 Rest of the World 3.16
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 35.61 Corporate Banking 32.03 Treasury Operations 28.9 Insurance 3.46 Wholesale Banking 0	Operating Profit Break-Up Wholesale Banking 19.14 Consumer Finance 0 Corporate Banking 0 Insurance 0 Treasury Operations 0 Others 80.86	-
Borrowings Break-Up	Borrowings Break-Up Borrowings and Refinance outside India 51.68 Reserve Bank of India 16.3 Capital Markets 15.7 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 16.32	Borrowings Break-Up Upper and lower Tier II capital and innovative perpetual debts 4.87 Commercial paper 0 Unsecured redeemable debentures/bonds 0 Outside India 0 Deposits 0 Capital instruments 0 0 Banking 12.17 Bonds & Debentures 43.46 Other Institutions & Agencies 18.11 Reserve Bank of India 1.0 Capital Markets 0 Borrowings and Refinance outside India 0 Bonds and notes 0 Borrowings outside India 20.39	Borrowings Break-Up 0 Commercial Papers 8.34 UNSECURED REDEEMABLE BONDS 2.34 Outside India 23.94 Deposits 1.84 Capital Markets 0.2 Bonds & Debentures 25.32 Banks 0 0 Financial Institutions 0 Reserve Bank of India 1.26 Capital Markets 0 Borrowings and Refinance outside India 0 Bonds and notes 0 Borrowings outside India 0 Others 36.76
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 44.21 Health Insurance 37.51 PERSONAL ACCIDENT 8.89 Fire Equipment 3.16 Weather & Crop Insurance 2.73 Others 1.05 Others 2.45	-	-
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 77.86 Priority Sector 22.14 Non-Priority 0 Priority 0 Non-priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority sector 0 Priority Sector 33.63 Non Priority Sector 66.37 Non-priority sector 0 Non Priority Sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 31.35 Priority 0 Non-Priority 0 Non Priority Sector 68.65 Non Priority Sector 0 Priority Sector 0
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 37.59 ETF 28.86 Liquid/ Money Market 10.86 Debt 10.78 Balanced schemes 9.77 Others 2.14	-	AUM Break-Up - Asset Management Balanced schemes 4.63 Equity 56.85 Debt 16.93 Liquid/ Money Market 10.37 ETF 10.08 Others 1.14
Asset Break-Up	Asset Break-Up India 88.13 Others 11.87	Asset Break-Up India 97.89 Others 2.11	-
NPA Break-Up	NPA Break-Up Agricultural 38.23 Corporate 24.0 SME 21.51 Pre-Segment 14.48 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 1.78	-	NPA Break-Up Pre-Segment 0 Services 17.85 Agricultural 0 Corporate 0 Personal Loan 24.84 SME 0 Agricultural 13.14 Priority Sector 44.16 Others 0.01

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