State Bank Of India

Financial

	SBI	HDFC Bank	ICICI Bank
Operational Metrics
Asset Management Sector
% of AUM in equity fund	34.59 %	n/a	53.24 %
AUM - Mutual Funds	979125.06 Crs	n/a	776522.85 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)	789.06 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	13.89 %	16.81 %	12.57 %
5yr average Equity Multiplier	16.93	8.65	10.16
5yr Average Asset Turnover Ratio	0.08	0.09	0.1
5yr Avg Net Profit Margin	8.58 %	20.42 %	11.05 %
5yr Avg Net Profit Margin	8.58 %	20.42 %	11.05 %
5yr CAGR Net Profit	27.68 %	15.55 %	51.57 %
5yr CAGR Sales	10.07 %	10.52 %	7.23 %
5 yr CAGR PPOP	5.67 %	12.03 %	13.8 %
Price to Book	1.78	2.88	3.27
P/E	10.99	20.55	18.93
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 22.48 Consumer Finance 15.79 Services 14.09 Others 13.61 Agricultural Loan 9.45 Power 6.34 Auto loans 3.61 Roads & Bridge 3.5 Iron & Steel 2.05 Petrochemicals 1.82 Commercial Real Estate 1.8 Infrastructure 1.45 Textiles 1.2 Telecom 0.94 Engineering 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 1.06	Loan Break-Up Services 33.36 Corporate-Domestic 0 Roads & Bridge 0 Advances to industries 28.66 Petrochemicals 0 Iron & Steel 0 Mortgage loans 0 Overseas book 0 Personal Loan 28.94 Textiles 0 Consumer Finance 0 Engineering 0 Business banking 0 Others 0 Power 0 Vehicle loans 0 Agricultural Loan 0 Home loans 0 SME-Domestic 0 Auto loans 0 Telecom 0 Rural loans 0 Agricultural 9.04 Commercial Real Estate 0 Credit cards 0 Infrastructure 0	Loan Break-Up Services 0 Corporate-Domestic 21.3 Roads & Bridge 0 Advances to industries eligible 0 Petrochemicals 0 Iron & Steel 0 Loan Against Property 32.6 Overseas 2.8 Personal Loan 9.6 Textiles 0 Consumer Finance 0 Engineering 0 Business Banking 7.7 Others 0 Power 0 Auto loans 7.7 Agricultural Loan 0 Home loans 0 Small & Medium Enterprises (SME) loans 5.0 Auto loans 0 Telecom 0 Rural Finance 8.3 Agriculture and allied activities 0 Commercial Real Estate 0 Credit Cards 4.2 Infrastructure 0 Others 0.8
Segment Break-Up	Segment Break-Up Consumer Finance 34.36 Corporate Banking 22.45 Insurance 19.25 Treasury Operations 18.5 Insurance Business 0 Wholesale banking 0 Retail banking 0 General insurance 0 Life insurance 0 Others 5.44	Segment Break-Up Treasury Operations 0 Consumer Finance 36.67 Insurance Business 17.47 Insurance 0 Corporate Banking 27.47 Life insurance 0 Consumer Finance 0 General insurance 0 Corporate Banking 0 Others 18.39	Segment Break-Up Treasury Operations 0 Consumer Finance 32.85 Insurance Business 0 Insurance 0 Corporate Banking 17.03 Life Insurance Business 16.0 Consumer Finance 0 General insurance 0 Corporate Banking 0 Others 34.12
Location Wise Break-Up	Location Wise Break-Up India 92.46 Rest of the World 7.54	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 Consumer Finance 41.37 Corporate Banking 40.47 Treasury Operations 9.4 Insurance 3.45 Wholesale Banking 0 Others 5.31	Operating Profit Break-Up Treasury Operations 0 Insurance 0 Consumer Finance 0 Wholesale Banking 20.69 Corporate Banking 0 Others 79.31	-
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 Other Institutions & Agencies 37.34 Reserve Bank of India 3.52 Outside India 0 Bonds & Debentures 18.17 Capital instruments 0 Commercial paper 0 Borrowings and Refinance outside India 0 0 Deposits 0 Borrowings outside India 23.01 Capital Markets 0 Unsecured redeemable debentures/bonds 0 Banking 6.84 Upper and lower Tier II capital and innovative perpetual debts 11.13 Bonds and notes 0	Borrowings Break-Up Financial Institutions 0 Reserve Bank of India 1.0 Outside India 23.53 0 Capital instruments 0 Commercial Papers 5.18 Borrowings and Refinance outside India 0 Bonds & Debentures 26.81 Deposits 1.94 Borrowings outside India 0 Capital Markets 0 UNSECURED REDEEMABLE BONDS 2.81 Banks 0 0 Bonds and notes 0 Others 38.73
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 37.36 Health Insurance 35.18 Weather & Crop Insurance 11.55 PERSONAL ACCIDENT 9.21 Fire Equipment 4.18 Others 2.04 Others 0.48	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 33.55 ETF 31.92 Liquid/ Money Market 11.32 Debt 10.95 Balanced schemes 10.17 Others 2.09	-	AUM Break-Up - Asset Management Balanced schemes 4.59 Debt 19.13 ETF 8.07 Equity 53.1 Liquid/ Money Market 10.0 Others 5.11
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 Non Priority Sector 0 Priority Sector 0 Priority sector 0 Priority Sector 33.36 Non Priority Sector 66.64 Non-priority sector 0	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 0 Priority Sector 27.21 Priority 0 Non-Priority 0 Non Priority Sector 72.79
Asset Break-Up	Asset Break-Up India 89.01 Others 10.99	Asset Break-Up India 97.5 Others 2.5	-
NPA Break-Up	NPA Break-Up Agricultural 34.66 Corporate 33.04 SME 19.25 Pre-Segment 11.27 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 1.78	-	NPA Break-Up Services 16.6 SME 0 Personal Loan 19.18 Corporate 0 Agricultural 9.76 Pre-Segment 0 Agricultural 0 Priority Sector 54.46

State Bank Of India

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