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State Bank Group

State Bank Group. March 2007. Disclaimer.

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State Bank Group

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  1. State Bank Group March 2007

  2. Disclaimer This presentation is made purely for information. We have tried to give relevant information which we believe will help in knowing the Bank. The viewers may use their own judgment and are advised to make their own calculations before deciding on any matter based on the information given herein. While every care is taken to verify the accuracy of the information given in this presentation, neither the Bank nor its officials would in any way be liable for any action taken or not taken by the viewers or the users of this presentation or for any claims, losses etc.

  3. Group’s Vision • Premier Indian Financial Services Group with global perspective, world class standards of efficiency and professionalism and core institutional values. • Retain its position in the country as a pioneer in Development Banking. • Maximize shareholder value through high sustained earnings per share. • An institution with a culture of mutual care and commitment, a satisfying and exciting work environment and continuous learning opportunities.

  4. State Bank Group – A presence in every area of theFinancial Sector SBI Funds Management Ltd (with Society Generale) SBI Cards & Payment Services Pvt Ltd. (with GE Capital) 1992 1998 SBI Factors & Commercial Services P Ltd. SBI Life Insurance Co.Ltd ( with Cardiff SA) 1991 2001 SBI Capital Markets Ltd. SBI DFHI Ltd.** 2004** 1986 SBI, SBICI & 7 Associate Banks Foreign Subsidiaries & Joint Ventures Others - RRBs, UTI-AMC, C-EdgeTech ** SBI Gilts - 1996 DFHI - 1988

  5. Highlights • State Bank Group, with 14337 branches as on 31.03.2007, has the largest branch network. • State Bank Group has a market share of 25.13%* in deposits and 24.68%* in advances out of total commercial banks’ business in India. • Four out of seven Associate Banks have achieved Net NPA <1.00%. * (Source: ASCB data as on March 2006 from Report on Trends and Progress of Banking in India by RBI)

  6. Technology Initiatives • All the branches of State Bank of India and its 7 Associate Banks were fully computerized in January 2004. • Core Banking Solution implemented in 10297 branches of the Group by June 2007. • All Associate Banks have fully migrated to CBS Platform by January 2006. • Country wide network of 6921 ATMs spread across the country. • Business Process Reengineering initiative launched (Consultant : Mckinsey).

  7. State Bank Group – Consolidated Balance Sheet 31.03.2007 Rs in Billion Balance Sheet 8151.74 (100%) Capital & Liabilities Assets (Figures in brackets indicate % to Total Assets)

  8. SBI Group – Financial Highlights FY 2007 Rs in Billion Total Income: 683.77 ( 100%) Interest Earned: 572.38 (83.7%) Non-Interest Income: 111.39 (16.3%) Interest Expended : 339.83 (49.7%) Operating Income : 343.94 (50.3%) Employee Expenses 105.97 (15.5%) Net Interest Income : 232.55 (34.0%) Operating Expenses : 200.01 (29.3%) Other Expenses: 94.04 (13.75%) Provision for Investment Depreciation: 8.29 (1.21%) Operating Profit:143.92 (21.0%) Provision for Loan Losses:17.76 (2.60%) Provisions and Contingencies : 36.14 (5.3%) Provisions for Std Assets:9.45 (1.38%) Profit Before Tax : 107.78 (15.8%) Other Provisions :0.64 (0.09%) Provision for Tax: 41.57(6.1%) Net Profit: 66.21 (9.7%) Minority Interest: 2.55 (0.4%) GroupProfit: 63.64 (9.3%) (Figures in brackets indicate % to Total Income)

  9. Banking & Non-Banking Subsidiaries of State Bank of India

  10. Domestic Banking Subsidiaries

  11. Domestic Non Banking Subsidiaries & Joint Ventures

  12. Foreign Subsidiaries / Joint Ventures

  13. Profile of Associate Banks of State Bank of India

  14. Net Worth Rs in Billion

  15. Branch Network – Associate Banks as on 31.03.2007 TOTAL NUMBER OF BRANCHES : 4,820

  16. Operating Profit Rs in Billion

  17. Net Profit Rs in Billion Robust performance by all Associate Banks

  18. Balance Sheet Size Rs in Billion

  19. Return On Equity (%)

  20. Return On Average Assets (%)

  21. Capital Adequacy Ratio (%)

  22. Net Interest Margin (%)

  23. Yields , Costs & Spread (%)

  24. Asset Quality (%)

  25. Cost-Income Ratio (%)

  26. TRANSACTION COST (%)

  27. Performance ofNon Banking Subsidiaries & Joint Ventures

  28. Performance of Domestic Non-bkg. Subsidiaries

  29. Performance of Domestic Non-bkg. Subsidiaries

  30. Performance of Foreign Subsidiaries / Joint Ventures

  31. Highlights of Group Companies SBI Life • Only Pvt Sector Insurance company to declare profit of Rs.38.3 mio in FY07 (Rs.20.2 mio in FY06). • Gross Premium in FY 07: Rs.29.28 bn ( Growth : 172%) ( FY 06 : Rs 10.75bn) • First Year Premium grown by 275% to Rs.17.18 bn. • 12% Market Share among Private players. • Third position in terms of New Business Income among private players. • Number of Lives insured : 6.49 million ( March 06 : 4.32 million) SBI Funds Mgmt (P) Ltd. • SBI MF currently ranked 7th in the industry; AUM at Rs 16.8 bn • PAT Rs. 297.8 mio ( YOY growth 59.76%) for FY07. • SBI MF won the prestigious CNBC TV 18 CRISIL Mutual Fund of the Year Award 2007 in February 2007. • Also won 5 CNBC TV 18 CRISIL Awards and 3 Lipper India Fund Awards SBI Cards • 2nd largest card issuer in India with 3.36 million cards. • Cards spends amounted to Rs.48.38 bn in March 2007 an increase of 54%. • PAT of Rs. 587.7 mio a growth of 62% in FY07 (Rs. 362.0 mio in FY06) SBI Caps • Mandated Lead Arranger in Project Finance 9th Globally and 1st in Asia Pacific and India. Project Finance Advisor 3rd Globally and 1st in Asia Pacific. • Gross Income increased to Rs.1.93 bn in FY 07.

  32. Way Forward – Other Business Initiatives Customer Service • Introduction of multicity cheques and relationship managers for HNIs • Centralized Pension Processing & Payments Treasury Products • Bouquet of products offerings being enhanced by inviting expertise from market leaders • Centralised Processing Cells • Initiatives for improved customer service • Currency Administration Cells • Sales Forces • Relationship Management • Alternate Delivery Channels • Branch Redesign Business process Re-engineering

  33. New Opportunities General Insurance Pension Fund Management Venture Capital Private Equity Infrastructure Fund

  34. Thank You Visit us at: www.statebankofindia.comClick on “Investor Relation” Page for detailed financial information on the Group You may also contact Mr. S.S.Ranjan, Chief General Manager (Financial Control), the designated official for Investor Relations, at cgm.fc@sbi.co.in or on Telephone No: +91 22 2202 0389 for any queries on Bank’s Financial Performance

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