State Bank Of India

Financial

	SBI	HDFC Bank	ICICI Bank
Operational Metrics
Asset Management Sector
% of AUM in equity fund	37.45 %	n/a	54.61 %
AUM - Mutual Funds	1065753.11 Crs	n/a	910281.16 Crs
5 Yr AUM CAGR - Mutual Funds	24.92 %	n/a	22.55 %
Banking Sector
Net Interest Margin	3.12 %	3.54 %	4.41 %
Yield On Advances	8.89 %	8.4 %	9.86 %
Credit Deposit Ratio	77.41 %	96.5 %	86.54 %
Cost To Income Ratio	55.13 %	39.8 %	37.9 %
CASA Ratio	39.2 %	34.8 %	38.4 %
CASA vs Liabilities	28.58 %	24.16 %	23.86 %
Fresh Slippages - Quarterly	3823.0 Crs	7500.0 Crs	5142.0 Crs
Capital to Risks Assets Ratio (CRAR)	13.03 %	19.6 %	16.55 %
Tier 2 Capital	2.18 %	1.9 %	0.61 %
Tier I Capital	10.85 %	17.7 %	15.94 %
Gross NPA	2.07 %	1.33 %	1.67 %
Net NPA	0.53 %	0.43 %	0.39 %
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)	1545.15 Crs	1507.19 Crs	n/a
Float	5105.81 Crs	n/a	n/a
Yield On Total Investments - General Insurance	7.04 %	7.6 %	n/a
NBFC
Cost of Borrowing	5.07 %	4.9 %	5.18 %
Financials
5 yr Average ROE	13.89 %	16.92 %	15.43 %
5yr average Equity Multiplier	16.93	8.74	9.84
5yr Average Asset Turnover Ratio	0.08	0.09	0.1
5yr Avg Net Profit Margin	8.58 %	19.96 %	14.15 %
5yr Avg Net Profit Margin	8.58 %	19.96 %	14.15 %
5yr CAGR Net Profit	27.68 %	18.64 %	35.85 %
5yr CAGR Sales	10.07 %	22.64 %	9.52 %
5 yr CAGR PPOP	5.67 %	14.38 %	13.8 %
Price to Book	1.51	2.82	3.23
P/E	9.15	20.79	19.89
Shareholdings
Promoter Holding	57.43 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.16 %	-25.78 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-1.0 %	8.95 %	1.01 %

Business

	SBI	HDFC Bank	ICICI Bank
Loan Break-Up	Loan Break-Up Home loans 22.94 Consumer Finance 15.33 Others 14.65 Services 13.97 Agricultural Loan 9.73 Power 5.89 Auto loans 3.6 Roads & Bridge 3.15 Iron & Steel 1.99 Commercial Real Estate 1.85 Petrochemicals 1.54 Infrastructure 1.42 Textiles 1.13 Engineering 1.0 Telecom 0.81 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 1.0	Loan Break-Up Infrastructure 0 Overseas book 0 Personal Loan 40.68 Agricultural 7.45 Corporate-Domestic 0 Rural loans 0 Textiles 0 Engineering 0 Petrochemicals 0 Home loans 0 Consumer Finance 0 Iron & Steel 0 Roads & Bridge 0 Others 0 Power 0 Business banking 0 Services 30.57 Credit cards 0 Vehicle loans 0 SME-Domestic 0 Commercial Real Estate 0 Agricultural Loan 0 Advances to industries 21.31 Telecom 0 Auto loans 0 Mortgage loans 0	Loan Break-Up Infrastructure 0 Overseas 2.2 Personal Loan 8.9 Agriculture and allied activities 0 Corporate-Domestic 20.4 Rural Finance 5.7 Textiles 0 Engineering 0 Petrochemicals 0 Home loans 0 Consumer Finance 0 Iron & Steel 0 Roads & Bridge 0 Others 0 Power 0 Business Banking 19.2 Services 0 Credit Cards 4.2 Auto loans 7.1 SME-Domestic 0 Commercial Real Estate 0 Agricultural Loan 0 Advances to industries eligible 0 Telecom 0 Auto loans 0 Loan Against Property 32.1 Others 0.2
Segment Break-Up	Segment Break-Up Consumer Finance 36.33 Corporate Banking 21.52 Insurance 19.0 Treasury Operations 18.52 Insurance Business 0 Wholesale banking 0 Retail banking 0 General insurance 0 Life insurance 0 Others 4.63	Segment Break-Up General insurance 0 Corporate Banking 27.53 Corporate Banking 0 Life insurance 0 Insurance 0 Consumer Finance 40.71 Consumer Finance 0 Treasury Operations 0 Insurance Business 14.65 Others 17.11	Segment Break-Up General Insurance 5.0 Corporate Banking 16.66 Corporate Banking 0 Life Insurance Business 15.05 Insurance 0 Consumer Finance 31.42 Consumer Finance 0 Treasury Operations 0 Insurance Business 0 Others 31.87
Location Wise Break-Up	Location Wise Break-Up India 92.46 Rest of the World 7.54	Location Wise Break-Up Rest of the World 1.14 India 98.86	Location Wise Break-Up Rest of the World 3.16 India 96.84
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 64.73 Corporate Banking 27.88 Treasury Operations 4.7 Insurance 2.69 Wholesale Banking 0	Operating Profit Break-Up Corporate Banking 0 Insurance 0 Consumer Finance 0 Treasury Operations 0 Wholesale Banking 39.78 Others 60.22	-
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 Capital Markets 0 Unsecured redeemable debentures/bonds 0 Upper and lower Tier II capital and innovative perpetual debts 4.19 Borrowings outside India 14.92 Reserve Bank of India 0.62 Banking 18.94 Outside India 0 Capital instruments 0 Commercial paper 0 0 Bonds & Debentures 41.01 Borrowings and Refinance outside India 0 Other Institutions & Agencies 20.31 Bonds and notes 0 Deposits 0 Others 0.01	Borrowings Break-Up Capital Markets 0 UNSECURED REDEEMABLE BONDS 2.34 0 Borrowings outside India 0 Reserve Bank of India 1.26 Banks 0 Outside India 23.94 Capital Markets 0.2 Commercial Papers 8.34 Bonds & Debentures 25.32 0 Borrowings and Refinance outside India 0 Financial Institutions 0 Bonds and notes 0 Deposits 1.84 Others 36.76
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 31.51 Weather & Crop Insurance 25.61 Health Insurance 25.3 PERSONAL ACCIDENT 7.53 Fire Equipment 7.37 Others 2.0 Others 0.68	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 37.75 ETF 30.08 Liquid/ Money Market 10.44 Debt 10.18 Balanced schemes 9.52 Others 2.03	-	AUM Break-Up - Asset Management Debt 16.93 ETF 10.08 Balanced schemes 4.63 Equity 56.85 Liquid/ Money Market 10.37 Others 1.14
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 77.84 Priority Sector 22.16 Non-Priority 0 Priority 0 Non-priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority sector 0 Non-priority sector 0 Non Priority Sector 68.7 Priority Sector 0 Non Priority Sector 0 Priority Sector 31.3	Priority vs Non-Priority Sector Priority Sector 31.35 Non Priority Sector 68.65 Non-Priority 0 Priority Sector 0 Non Priority Sector 0 Priority 0
Asset Break-Up	Asset Break-Up India 89.01 Others 10.99	Asset Break-Up India 98.12 Others 1.88	-
NPA Break-Up	NPA Break-Up Agricultural 36.14 Corporate 28.29 SME 20.39 Pre-Segment 13.49 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 1.69	-	NPA Break-Up SME 0 Personal Loan 24.84 Agricultural 13.14 Priority Sector 44.16 Corporate 0 Pre-Segment 0 Agricultural 0 Services 17.85 Others 0.01

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