State Bank Of India

Financial

	SBI	HDFC Bank	ICICI Bank
Operational Metrics
Asset Management Sector
% of AUM in equity fund	37.43 %	n/a	54.15 %
AUM - Mutual Funds	1075309.47 Crs	n/a	919116.77 Crs
5 Yr AUM CAGR - Mutual Funds	26.22 %	n/a	17.6 %
Banking Sector
Net Interest Margin	3.12 %	3.62 %	4.25 %
Yield On Advances	8.89 %	8.3 %	9.65 %
Credit Deposit Ratio	77.41 %	98.22 %	90.08 %
Cost To Income Ratio	55.13 %	40.6 %	38.5 %
CASA Ratio	39.2 %	34.0 %	39.0 %
CASA vs Liabilities	28.58 %	23.19 %	23.9 %
Fresh Slippages - Quarterly	3823.0 Crs	8800.0 Crs	6085.0 Crs
Capital to Risks Assets Ratio (CRAR)	13.03 %	20.0 %	14.71 %
Tier 2 Capital	2.18 %	2.0 %	0.67 %
Tier I Capital	10.85 %	18.0 %	14.04 %
Gross NPA	2.07 %	1.42 %	1.96 %
Net NPA	0.53 %	0.46 %	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)	1208.2 Crs	1016.1 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 %	5.09 %
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	1.43	2.79	3.28
P/E	8.68	20.11	19.53
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)	-0.17 %	-25.8 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.57 %	8.95 %	1.32 %

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 Home loans 0 Petrochemicals 0 Textiles 0 Personal Loan 40.68 Credit cards 0 Roads & Bridge 0 Iron & Steel 0 Engineering 0 Consumer Finance 0 Vehicle loans 0 Services 30.57 Advances to industries 21.31 Corporate-Domestic 0 SME-Domestic 0 Overseas book 0 Commercial Real Estate 0 Power 0 Rural loans 0 Others 0 Agricultural Loan 0 Agricultural 7.45 Telecom 0 Mortgage loans 0 Infrastructure 0 Business banking 0 Auto loans 0	Loan Break-Up Home loans 0 Petrochemicals 0 Textiles 0 Personal Loan 9.0 Credit Cards 4.2 Roads & Bridge 0 Iron & Steel 0 Engineering 0 Consumer Finance 0 Auto loans 7.1 Services 0 Advances to industries eligible 0 Corporate-Domestic 20.9 SME-Domestic 0 Overseas 2.4 Commercial Real Estate 0 Power 0 Rural Finance 5.9 Others 0 Agricultural Loan 0 Agriculture and allied activities 0 Telecom 0 Loan Against Property 31.8 Infrastructure 0 Business Banking 18.5 Auto loans 0 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 Insurance Business 11.92 Insurance 0 Treasury Operations 0 Consumer Finance 42.59 Corporate Banking 28.22 Life insurance 0 Corporate Banking 0 Consumer Finance 0 Others 17.27	Segment Break-Up General Insurance 5.24 Insurance Business 0 Insurance 0 Treasury Operations 0 Consumer Finance 31.97 Corporate Banking 17.12 Life Insurance Business 12.61 Corporate Banking 0 Consumer Finance 0 Others 33.06
Location Wise Break-Up	Location Wise Break-Up India 92.46 Rest of the World 7.54	Location Wise Break-Up India 98.86 Rest of the World 1.14	Location Wise Break-Up India 96.84 Rest of the World 3.16
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 Insurance 0 Treasury Operations 0 Wholesale Banking 46.81 Corporate Banking 0 Consumer Finance 0 Others 53.19	-
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 Unsecured redeemable debentures/bonds 0 Deposits 0 Borrowings outside India 14.92 Bonds and notes 0 Other Institutions & Agencies 20.31 Banking 18.94 Outside India 0 Commercial paper 0 Reserve Bank of India 0.62 0 Upper and lower Tier II capital and innovative perpetual debts 4.19 Bonds & Debentures 41.01 Capital instruments 0 Borrowings and Refinance outside India 0 Capital Markets 0 Others 0.01	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 2.34 Deposits 1.84 Borrowings outside India 0 Bonds and notes 0 Financial Institutions 0 Banks 0 Outside India 23.94 Commercial Papers 8.34 Reserve Bank of India 1.26 Bonds & Debentures 25.32 0 0 Capital Markets 0.2 Borrowings and Refinance outside India 0 Capital Markets 0 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 16.87 Balanced schemes 4.65 Liquid/ Money Market 10.48 Equity 57.3 ETF 9.55 Others 1.15
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 Priority Sector 31.3 Non-priority sector 0 Non Priority Sector 68.7 Priority Sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 31.35 Priority 0 Non Priority Sector 68.65 Non-Priority 0 Priority Sector 0 Non Priority Sector 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 Services 17.85 Agricultural 13.14 Personal Loan 24.84 Pre-Segment 0 Corporate 0 Priority Sector 44.16 SME 0 Agricultural 0 Others 0.01

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