State Bank Of India

Financial

	SBI	HDFC Bank	ICICI Bank
Operational Metrics
Asset Management Sector
% of AUM in equity fund	37.0 %	n/a	54.88 %
AUM - Mutual Funds	1106604.97 Crs	n/a	901434.43 Crs
5 Yr AUM CAGR - Mutual Funds	26.22 %	n/a	17.6 %
Banking Sector
Net Interest Margin	3.18 %	3.46 %	4.27 %
Yield On Advances	8.87 %	8.3 %	9.73 %
Credit Deposit Ratio	76.26 %	99.8 %	88.92 %
Cost To Income Ratio	48.51 %	40.6 %	38.6 %
CASA Ratio	40.03 %	35.3 %	38.9 %
CASA vs Liabilities	29.73 %	23.93 %	23.64 %
Fresh Slippages - Quarterly	4871.0 Crs	7900.0 Crs	5073.0 Crs
Capital to Risks Assets Ratio (CRAR)	13.76 %	19.8 %	15.35 %
Tier 2 Capital	2.44 %	2.0 %	0.7 %
Tier I Capital	11.32 %	17.8 %	14.65 %
Gross NPA	2.13 %	1.36 %	1.97 %
Net NPA	0.53 %	0.41 %	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)	962.54 Crs	n/a	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	5.03 %	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	1.62	2.88	3.31
P/E	10.46	20.02	19.59
Shareholdings
Promoter Holding	57.51 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.11 %	-25.83 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-1.58 %	9.99 %	1.42 %

Business

	SBI	HDFC Bank	ICICI Bank
Loan Break-Up	Loan Break-Up Home loans 22.93 Consumer Finance 15.46 Others 13.95 Services 13.52 Agricultural Loan 9.67 Power 6.22 Auto loans 3.52 Roads & Bridge 3.51 Petrochemicals 1.98 Iron & Steel 1.98 Commercial Real Estate 1.84 Infrastructure 1.45 Textiles 1.13 Engineering 0.97 Telecom 0.87 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 Credit cards 0 Personal Loan 40.68 Petrochemicals 0 Agricultural 7.45 Commercial Real Estate 0 Roads & Bridge 0 Advances to industries 21.31 Vehicle loans 0 Infrastructure 0 Corporate-Domestic 0 SME-Domestic 0 Rural loans 0 Textiles 0 Telecom 0 Consumer Finance 0 Iron & Steel 0 Power 0 Mortgage loans 0 Auto loans 0 Agricultural Loan 0 Overseas book 0 Engineering 0 Others 0 Business banking 0 Services 30.57	Loan Break-Up Home loans 0 Credit Cards 4.2 Personal Loan 9.4 Petrochemicals 0 Agriculture and allied activities 0 Commercial Real Estate 0 Roads & Bridge 0 Advances to industries eligible 0 Auto loans 7.2 Infrastructure 0 Corporate-Domestic 20.6 SME-Domestic 0 Rural Finance 6.0 Textiles 0 Telecom 0 Consumer Finance 0 Iron & Steel 0 Power 0 Loan Against Property 32.0 Auto loans 0 Agricultural Loan 0 Overseas 2.6 Engineering 0 Others 0 Business Banking 17.8 Services 0 Others 0.2
Segment Break-Up	Segment Break-Up Consumer Finance 35.29 Corporate Banking 22.65 Treasury Operations 20.19 Insurance 17.0 Insurance Business 0 Wholesale banking 0 Retail banking 0 General insurance 0 Life insurance 0 Others 4.87	Segment Break-Up Consumer Finance 39.61 Corporate Banking 26.86 Insurance Business 17.79 Corporate Banking 0 Treasury Operations 0 Insurance 0 Life insurance 0 General insurance 0 Consumer Finance 0 Others 15.74	Segment Break-Up Consumer Finance 32.19 Corporate Banking 16.93 Insurance Business 0 Corporate Banking 0 Treasury Operations 0 Insurance 0 Life Insurance Business 11.54 General Insurance 5.44 Consumer Finance 0 Others 33.9
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 52.19 Corporate Banking 21.84 Treasury Operations 15.14 Insurance 2.97 Wholesale Banking 0 Others 7.86	Operating Profit Break-Up Corporate Banking 0 Treasury Operations 0 Insurance 0 Wholesale Banking 50.35 Consumer Finance 0 Others 49.65	-
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 Banking 18.94 Outside India 0 0 Deposits 0 Reserve Bank of India 0.62 Borrowings outside India 14.92 Other Institutions & Agencies 20.31 Bonds and notes 0 Capital instruments 0 Borrowings and Refinance outside India 0 Bonds & Debentures 41.01 Upper and lower Tier II capital and innovative perpetual debts 4.19 Unsecured redeemable debentures/bonds 0 Capital Markets 0 Commercial paper 0 Others 0.01	Borrowings Break-Up Banks 0 Outside India 23.94 Bonds & Debentures 25.32 Deposits 1.84 Reserve Bank of India 1.26 Borrowings outside India 0 Financial Institutions 0 Bonds and notes 0 Capital Markets 0.2 Borrowings and Refinance outside India 0 0 0 UNSECURED REDEEMABLE BONDS 2.34 Capital Markets 0 Commercial Papers 8.34 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 37.12 ETF 31.36 Liquid/ Money Market 10.33 Debt 9.86 Balanced schemes 9.48 Others 1.85	-	AUM Break-Up - Asset Management Liquid/ Money Market 10.24 ETF 9.15 Debt 16.67 Balanced schemes 4.76 Equity 58.05 Others 1.13
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 68.7 Priority Sector 31.3 Non Priority Sector 0 Priority Sector 0 Priority sector 0 Non-priority sector 0	Priority vs Non-Priority Sector Non-Priority 0 Priority 0 Non Priority Sector 0 Priority Sector 0 Priority Sector 31.35 Non Priority Sector 68.65
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 36.48 Corporate 28.91 SME 19.89 Pre-Segment 13.03 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 1.69	-	NPA Break-Up Agricultural 13.14 Personal Loan 24.84 Pre-Segment 0 SME 0 Services 17.85 Agricultural 0 Corporate 0 Priority Sector 44.16 Others 0.01

State Bank Of India

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