State Bank of India

State Bank of India (SBIN IN) - Adj Highlights
In Millions of INR FY 2002 FY 2003 FY 2004 FY 2005 FY 2006

12 Months Ending 03/31/2002 03/31/2003 03/31/2004 03/31/2005 03/31/2006
Market Capitalization 115,660.7 142,048.1 319,142.7 344,620.5 509,720.5
Book Value of Equity 194,410.1 225,172.5 274,364.2 325,518.0 372,067.1
Total Deposits 3,361,024.3 3,771,952.6 4,179,092.1 4,904,244.4 5,305,056.3
Total Loans 1,660,089.8 1,967,784.8 2,264,417.7 2,927,490.3 3,790,335.7
Total Assets 4,489,793.8 4,977,560.2 5,509,844.0 6,285,775.7 6,968,324.2
Net Revenue, Adj 185,539.5 219,881.2 270,137.9 295,868.6 329,627.0

Growth %, YoY — 18.5 22.9 9.5 11.4
Prof Bef Prov, Adj 85,785.3 112,865.6 136,919.5 139,961.0 92,915.5
Margin % 46.2 51.3 50.7 47.3 28.2
Operating Income, Adj 53,548.8 73,574.7 82,193.3 126,668.6 88,774.9
Margin % 28.9 33.5 30.4 42.8 26.9
Net Income, Adj 33,535.7 41,990.1 55,311.0 99,580.4 55,299.2
Margin % 18.1 19.1 20.5 33.7 16.8
EPS, Adj — — — — —
Growth %, YoY — — — — —
Tier 1 Common Eqty % — — — — —

Tier 1 Capital Ratio % 9.22 8.81 8.34 8.04 9.36
Total Capital Ratio % 13.35 13.50 13.53 12.45 11.88
Source: Bloomberg Right click to show data transparency (not supported for all values)
FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012 FY 2013
03/31/2007 03/31/2008 03/31/2009 03/31/2010 03/31/2011 03/31/2012 03/31/2013
523,377.9 1,010,510.5 677,574.9 1,319,413.1 1,755,962.7 1,406,744.8 1,417,831.4
425,356.5 612,363.8 723,903.9 831,355.8 834,712.5 1,062,300.1 1,250,330.2
6,184,775.6 7,548,662.0 9,868,013.0 10,872,554.1 12,303,892.1 13,885,105.3 15,898,438.8
4,856,741.6 6,067,380.6 7,581,114.9 8,806,164.1 10,224,446.7 11,922,238.2 14,278,130.8
8,151,744.1 10,272,695.2 13,048,257.4 14,501,439.7 16,478,982.5 18,299,561.7 21,331,085.7
341,926.9 420,261.3 491,317.1 683,649.3 787,939.9 867,412.5 947,325.8

3.7 22.9 16.9 39.1 15.3 10.1 9.2
141,615.6 173,191.8 218,338.2 248,589.7 318,536.7 398,608.0 404,565.2
41.4 41.2 44.4 36.4 40.4 46.0 42.7
114,402.5 137,419.2 179,126.8 184,775.3 197,223.2 245,159.7 259,223.6
33.5 32.7 36.5 27.0 25.0 28.3 27.4
71,938.7 89,606.1 112,026.8 117,404.0 110,170.4 153,748.6 179,429.9
21.0 21.3 22.8 17.2 14.0 17.7 18.9
— — 17.66 18.49 17.35 24.20 26.72
— — — 4.7 -6.2 39.5 10.4
— — — — — — —
8.01 8.95 9.03 9.28 8.02 9.65 9.46
12.34 13.49 14.17 13.49 12.26 13.68 12.82
FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020
03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019 03/31/2020
1,431,703.2 1,993,723.4 1,507,919.4 2,339,426.2 2,230,254.4 2,862,569.1 1,756,809.8
1,473,705.4 1,613,875.4 1,805,923.7 2,171,921.5 2,303,219.5 2,344,956.6 2,510,601.2
17,963,061.0 20,529,607.9 22,380,344.0 25,998,106.6 27,221,782.8 29,405,410.6 32,741,606.3
16,168,089.1 17,290,240.0 — — — — —
23,959,816.1 27,001,100.2 30,734,831.5 34,451,215.6 36,164,330.0 38,884,642.0 41,974,923.4
1,046,354.9 1,248,252.2 1,301,138.7 1,478,476.3 1,528,985.8 1,754,582.6 2,062,870.8

10.5 19.3 4.2 13.6 3.4 14.8 17.6
404,061.5 488,352.4 585,061.2 603,353.4 562,116.2 606,167.7 741,264.6
38.6 39.1 45.0 40.8 36.8 34.5 35.9
213,717.8 259,058.5 181,978.4 9,886.4 -122,141.8 52,528.4 303,449.3
20.4 20.8 14.0 0.7 -8.0 3.0 14.7
142,043.0 170,278.3 122,383.6 2,719.0 -45,347.8 23,222.9 197,876.4
13.6 13.6 9.4 0.2 -3.0 1.3 9.6
20.44 22.80 15.97 0.35 -5.31 2.60 22.17
-23.5 11.5 -30.0 -97.8 — — 752.1
9.21 9.13 9.67 9.92 9.86 9.78 10.05

9.50 9.49 9.87 10.41 10.53 10.78 11.24
12.23 12.00 12.92 13.03 12.72 12.83 13.30
FY 2021 FY 2022 FY 2023 FY 2024 Current/LTM
03/31/2021 03/31/2022 03/31/2023 03/31/2024 09/30/2024
3,251,236.0 4,404,742.0 4,674,681.0 6,715,028.6 6,766,646.9
2,755,615.6 3,055,880.5 3,589,313.2 4,149,391.7 4,630,497.5
37,153,312.4 40,874,106.0 44,685,355.1 49,665,374.9 51,717,431.4
— — — —
48,456,185.5 53,608,835.3 59,544,183.2 67,337,788.0 69,633,353.6
2,265,350.7 2,473,233.7 2,819,424.8 3,354,681.7 3,498,579.3

9.8 9.2 14.0 19.0 10.4
661,845.2 702,388.6 919,423.8 1,021,943.4 1,189,290.1
29.2 28.4 32.6 30.5 34.0
328,243.1 497,550.4 754,275.9 912,652.5 1,050,987.7
14.5 20.1 26.8 27.2 30.0
224,252.9 353,853.6 556,684.9 671,023.1 765,260.1
9.9 14.3 19.7 20.0 21.9
25.13 39.65 62.38 75.19 85.75
13.3 57.8 57.3 20.5 12.2
10.33 10.26 10.59 10.57 9.95

11.70 11.68 12.29 12.06
13.97 14.03 14.84 14.38 13.76
State Bank of India (SBIN IN) - Adjusted
In Millions of INR except Per Share FY 2002 FY 2003 FY 2004 FY 2005
12 Months Ending 03/31/2002 03/31/2003 03/31/2004 03/31/2005
Net Revenue 185,539.5 219,881.2 270,137.9 295,868.6
+ Net Interest Income 124,043.3 138,048.4 159,366.6 196,095.9
+ Total Interest Income 390,246.7 410,543.6 414,087.0 445,014.3
+ Interest Income 203,761.0 210,441.5 202,472.6 229,654.1
+ Investment Income 186,485.7 200,102.1 211,614.4 215,360.2
- Total Interest Expense 266,203.4 272,495.2 254,720.4 248,918.4
+ Adjusted Total Non-Interest Income — — — —
+ Trading Securities G/L 16,544.8 34,511.6 56,445.7 31,878.4
+ Trading Account Profits/Losses — — — —
+ Investment & Loan Inc (Loss) — — — —
+ Other Income (Loss) — — — —
+ Commissions & Fees Earned 38,037.7 40,253.0 42,867.1 49,281.4
+ Other Operating Income (Losses) 6,913.8 7,068.2 11,458.5 18,612.9
- Provision for Loan Losses 32,236.5 39,290.9 54,726.2 13,292.4
Net Revenue after Provisions 153,303.0 180,590.3 215,411.7 282,576.2
- Total Non-Interest Expense 99,754.2 107,015.6 133,218.5 155,907.6
+ Commissions & Fees Paid 0.0 0.0 0.0 0.0
+ Other Operating Expenses 99,754.2 107,015.6 133,218.5 155,907.6
Operating Income (Loss) 53,548.8 73,574.7 82,193.3 126,668.6
- Non-Operating (Income) Loss -161.0 5.2 17.3 -570.0
+ (Income) Loss from Affiliates 0.0 0.0 0.0 -579.7
+ Other Non-Op (Income) Loss -161.0 5.2 17.3 9.7
Pretax Income (Loss), Adjusted 53,709.9 73,569.5 82,176.0 127,238.6
- Abnormal Losses (Gains) 0.0 0.0 0.0 0.0
+ Disposal of Assets — — — —
+ Other Abnormal Items — — — —
Pretax Income (Loss), GAAP 53,709.9 73,569.5 82,176.0 127,238.6
- Income Tax Expense (Benefit) 19,124.5 30,260.5 24,582.3 26,317.8
+ Current Income Tax — — — —
+ Deferred Income Tax — — — —
- (Income) Loss from Affiliates — — — —
Income (Loss) from Cont Ops 34,585.4 43,309.0 57,593.7 100,920.8
- Net Extraordinary Losses (Gains) 0.0 0.0 0.0 0.0
+ Discontinued Operations — — — —
+ XO & Accounting Changes — — — —
Income (Loss) Incl. MI 34,585.4 43,309.0 57,593.7 100,920.8
- Minority Interest 1,049.7 1,318.8 2,282.7 1,340.4
Net Income, GAAP 33,535.7 41,990.1 55,311.0 99,580.4
- Preferred Dividends 0.0 0.0 0.0 0.0
- Other Adjustments — — — —
Net Income Avail to Common, GAAP 33,535.7 41,990.1 55,311.0 99,580.4
Net Income Avail to Common, Adj 33,535.7 41,990.1 55,311.0 99,580.4

Net Abnormal Losses (Gains) — — — —
Net Extraordinary Losses (Gains) 0.0 0.0 0.0 0.0
Basic Weighted Avg Shares 5,578.7 5,578.7 5,578.7 5,578.7

Basic EPS, GAAP 6.01 7.53 9.91 17.85
Basic EPS from Cont Ops, GAAP 6.01 7.53 9.91 17.85
Basic EPS from Cont Ops, Adjusted 6.01 7.53 9.91 17.85
Diluted Weighted Avg Shares 5,578.7 5,578.7 5,578.7 5,578.7

Diluted EPS, GAAP 6.01 7.53 9.91 17.85
Diluted EPS from Cont Ops, GAAP — — — —
Diluted EPS from Cont Ops, Adjusted — — — —
Reference Items
Accounting Standard IN GAAP IN GAAP IN GAAP IN GAAP
Net Interest Income Less Provisions 91,806.8 98,757.5 104,640.4 182,803.5
Net Revenue - Net of Commissions Paid 185,539.5 219,881.2 270,137.9 295,868.6
Total Revenue 451,742.9 492,376.4 524,858.4 544,787.0
Operating Margin 28.86 33.46 30.43 42.81
Pretax Margin 28.95 33.46 30.42 43.01
Profit Margin 18.07 19.10 20.48 33.66
T12 Net Interest Margin — 3.23 3.32 3.62
Sales per Employee 2,156,682.01 2,355,890.38 2,535,069.98 2,650,838.16
Dividends per Share 0.57 0.80 1.04 1.18
Total Cash Common Dividends 3,157.8 4,473.6 5,789.3 6,578.7
Pre-Tax Pre-Provision Profit 85,785.3 112,865.6 136,919.5 139,961.0
Efficiency Ratio 53.76 48.67 49.32 52.69
Reinvested Earnings 30,377.9 37,516.6 49,521.7 93,001.7
FY 2006 FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012
03/31/2006 03/31/2007 03/31/2008 03/31/2009 03/31/2010 03/31/2011 03/31/2012
329,627.0 341,926.9 420,261.3 491,317.1 683,649.3 787,939.9 867,412.5
218,607.8 232,617.5 235,674.0 290,536.5 334,583.1 455,551.3 578,801.2
497,325.2 572,445.0 715,114.4 916,801.2 1,000,958.2 1,136,415.3 1,471,996.7
303,938.5 404,116.4 540,894.9 695,877.1 754,666.6 859,569.7 1,134,921.8
193,386.6 168,328.5 174,219.5 220,924.1 246,291.6 276,845.6 337,075.0
278,717.4 339,827.5 479,440.4 626,264.7 666,375.1 680,864.0 893,195.5
— — — 200,780.6 349,066.2 332,388.6 288,611.3
23,421.5 -7,464.6 28,752.7 12,367.5 111,751.3 39,452.9 -11,398.3
— — — 0.0 0.0 0.0 0.0
— — — -2,239.8 93,085.2 21,905.3 -28,281.0
— — — 14,607.3 18,666.1 17,547.6 16,882.7
55,126.8 70,202.0 82,484.4 99,891.4 120,498.1 141,864.7 148,013.5
32,470.9 46,572.0 73,350.1 88,521.6 116,816.8 151,071.0 151,996.1
4,140.6 27,213.1 35,772.6 39,211.4 63,814.4 121,313.6 153,448.3
325,486.4 314,713.8 384,488.7 452,105.7 619,835.0 666,626.4 713,964.2
236,711.6 200,311.3 247,069.4 272,978.9 435,059.6 469,403.2 468,804.5
— — — 0.0 0.0 0.0 0.0
236,711.6 200,311.3 247,069.4 272,978.9 435,059.6 469,403.2 468,804.5
88,774.9 114,402.5 137,419.2 179,126.8 184,775.3 197,223.2 245,159.7
-135.7 -2,013.9 -2,486.4 -3,569.3 -2,144.3 -6,889.8 0.0
-130.9 -1,888.5 0.0 136.4 -2,144.3 -2,181.8 —
-4.7 -125.3 -2,486.4 -3,705.7 0.0 -4,708.0 0.0
88,910.5 116,416.4 139,905.7 182,696.1 186,919.7 204,113.0 245,159.7
0.0 0.0 0.0 3,747.8 99.5 4,915.5 470.1
— — — 42.1 99.5 207.5 470.1
— — — 3,705.7 — 4,708.0 —
88,910.5 116,416.4 139,905.7 178,948.4 186,820.2 199,197.5 244,689.5
32,295.7 41,923.5 47,777.3 67,217.7 66,683.8 87,398.1 86,395.0
— — — 77,977.4 79,840.9 73,417.5 79,478.5
— — — -10,759.7 -13,157.1 13,980.6 6,916.5
— — — — — — -1,438.5
56,614.8 74,492.9 92,128.4 111,730.7 120,136.4 111,799.4 159,733.1
0.0 0.0 0.0 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
56,614.8 74,492.9 92,128.4 111,730.7 120,136.4 111,799.4 159,733.1
1,315.6 2,554.2 2,522.2 2,177.8 2,798.1 4,949.9 6,302.1
55,299.2 71,938.7 89,606.1 109,552.9 117,338.3 106,849.5 153,431.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
55,299.2 71,938.7 89,606.1 109,552.9 117,338.3 106,849.5 153,431.0
55,299.2 71,938.7 89,606.1 112,026.8 117,404.0 110,170.4 153,748.6

— — — 2,473.9 65.7 3,320.9 317.6
0.0 0.0 0.0 0.0 0.0 0.0 0.0
5,578.7 5,578.7 5,632.6 6,344.1 6,348.8 6,349.5 6,352.0

9.91 12.90 15.91 17.27 18.48 16.83 24.16
9.91 12.90 15.91 17.27 18.48 16.83 24.16
9.91 12.90 15.91 17.66 18.49 17.35 24.20
5,578.7 5,578.7 5,637.7 6,344.1 6,348.8 6,349.5 6,352.0

9.91 12.90 15.89 17.27 18.48 16.83 24.16
— — — 17.27 18.48 16.83 24.16
— — — 17.66 18.49 17.35 24.20
IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

214,467.2 205,404.4 199,901.4 251,325.2 270,768.8 334,237.7 425,352.9
329,627.0 341,926.9 420,261.3 491,275.0 683,549.8 787,732.4 866,942.4
608,344.4 681,754.4 899,701.7 1,117,539.7 1,349,924.9 1,468,596.5 1,760,137.9
26.93 33.46 32.70 36.46 27.03 25.03 28.26
26.97 34.05 33.29 37.19 27.34 25.90 28.26
16.78 21.04 21.32 22.80 17.17 13.98 17.73
3.61 3.40 2.89 2.80 2.30 2.52 3.22
3,060,482.79 3,677,446.30 5,020,516.60 5,427,690.21 6,739,548.97 6,587,613.56 8,168,413.47
1.25 1.32 2.15 2.90 3.00 3.00 3.50
7,368.2 7,368.2 13,576.6 18,411.5 19,046.5 19,050.0 23,486.6
92,915.5 141,615.6 173,191.8 218,338.2 248,589.7 318,536.7 398,608.0
71.81 58.58 58.79 55.56 63.64 59.57 54.05
47,931.0 64,570.5 76,029.5 93,615.2 98,357.5 91,120.4 130,262.0
orted for all values)
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
03/31/2013 03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019
947,325.8 1,046,354.9 1,248,252.2 1,301,138.7 1,478,476.3 1,528,985.8 1,754,582.6
611,710.9 675,856.8 748,130.8 775,929.1 813,366.7 823,827.5 974,664.3
1,679,890.1 1,890,647.3 2,079,917.2 2,206,402.7 2,304,513.5 2,289,857.4 2,533,338.9
1,292,749.1 1,442,067.6 1,569,723.2 1,641,705.5 1,662,461.2 1,539,336.6 1,730,786.7
387,141.0 448,579.7 510,194.0 564,697.2 642,052.3 750,520.8 802,552.3
1,068,179.1 1,214,790.4 1,331,786.4 1,430,473.6 1,491,146.7 1,466,029.8 1,558,674.6
335,614.9 370,498.1 500,121.4 525,209.5 665,109.6 705,158.3 779,918.2
63,094.5 75,576.1 145,068.6 82,142.8 148,486.5 85,152.4 46,241.7
0.0 0.0 0.0 0.0 0.0 0.0 0.0
44,068.6 52,603.8 121,210.8 59,878.9 120,564.7 59,927.9 24,151.0
19,025.9 22,972.3 23,857.8 22,263.9 27,921.9 25,224.6 22,090.7
142,625.6 156,618.2 165,925.6 186,435.6 211,169.3 249,563.4 259,811.6
129,894.8 138,303.8 189,127.2 256,631.2 305,453.8 370,442.4 473,865.0
145,341.6 190,343.7 229,293.9 403,082.7 593,467.0 684,258.0 553,639.3
801,984.2 856,011.2 1,018,958.3 898,056.0 885,009.3 844,727.8 1,200,943.3
542,760.6 642,293.4 759,899.8 716,077.5 875,122.9 966,869.6 1,148,414.9
0.0 0.0 0.0 0.0 0.0 0.0 0.0
542,760.6 642,293.4 759,899.8 716,077.5 875,122.9 966,869.6 1,148,414.9
259,223.6 213,717.8 259,058.5 181,978.4 9,886.4 -122,141.8 52,528.4
0.0 0.0 -3,144.4 0.0 0.0 0.0 0.0
— — -3,144.4 — — — —
0.0 0.0 0.0 0.0 0.0 0.0 0.0
259,223.6 213,717.8 262,202.9 181,978.4 9,886.4 -122,141.8 52,528.4
405.4 462.4 512.9 210.5 438.1 307.3 323.6
405.4 462.4 512.9 210.5 438.1 307.3 323.6
— — — — — — —
258,818.2 213,255.4 261,690.1 181,767.9 9,448.3 -122,449.1 52,204.8
75,588.3 68,360.7 83,372.0 54,335.0 13,355.0 -80,575.0 21,514.1
82,599.2 56,624.1 93,868.4 53,503.2 48,425.6 17,472.9 12,732.5
-7,010.9 11,736.6 -10,496.4 831.8 -35,070.6 -98,047.9 8,781.6
-2,316.8 -3,177.3 — -2,758.2 -2,932.8 -4,381.6 -2,814.8
185,546.7 148,072.1 178,318.1 130,191.1 -973.9 -37,492.5 33,505.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
185,546.7 148,072.1 178,318.1 130,191.1 -973.9 -37,492.5 33,505.5
6,384.4 6,334.3 8,375.1 7,945.1 -3,386.2 8,070.4 10,509.1
179,162.3 141,737.8 169,943.0 122,246.0 2,412.3 -45,562.9 22,996.4
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
179,162.3 141,737.8 169,943.0 122,246.0 2,412.3 -45,562.9 22,996.4
179,429.9 142,043.0 170,278.3 122,383.6 2,719.0 -45,347.8 23,222.9

267.6 305.2 335.4 137.7 306.7 215.1 226.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0
6,714.7 6,947.8 7,465.7 7,665.6 7,803.8 8,533.1 8,924.6

26.68 20.40 22.76 15.95 0.31 -5.34 2.58
26.68 20.40 22.76 15.95 0.31 -5.34 2.58
26.72 20.44 22.81 15.97 0.35 -5.31 2.60
6,714.7 6,947.8 7,466.0 7,665.6 7,803.8 8,533.1 8,924.6

26.68 20.40 22.76 15.95 0.31 -5.34 2.58
26.68 20.40 22.76 15.95 0.31 -5.34 2.58
26.72 20.44 22.80 15.97 0.35 -5.31 2.60

466,369.3 485,513.1 518,836.9 372,846.4 219,899.7 139,569.5 421,025.1
946,920.4 1,045,892.5 1,247,739.3 1,300,928.2 1,478,038.2 1,528,678.5 1,754,259.0
2,015,099.6 2,260,683.0 2,579,525.8 2,731,401.7 2,969,184.9 2,994,708.3 3,312,933.6
27.36 20.43 20.75 13.99 0.67 -7.99 2.99
27.36 20.43 21.01 13.99 0.67 -7.99 2.99
18.94 13.58 13.64 9.41 0.18 -2.97 1.32
3.31 3.18 3.16 2.98 2.83 2.65 2.96
8,826,696.77 ### ### ### ### ### ###
4.15 3.00 3.50 2.60 2.60 0.00 0.00
28,387.4 22,397.2 26,481.7 20,183.2 21,085.6 0.0 0.0
404,565.2 404,061.5 488,352.4 585,061.2 603,353.4 562,116.2 606,167.7
57.29 61.38 60.88 55.03 59.19 63.24 65.45
151,042.5 119,645.8 143,796.6 102,200.4 -18,366.6 -45,347.8 23,222.9
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 Last 12M
03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024 09/30/2024
2,062,870.8 2,265,350.7 2,473,233.7 2,819,424.8 3,354,681.7 3,498,579.3
1,087,425.2 1,221,085.0 1,337,815.4 1,608,664.3 1,794,580.4 1,855,693.5
2,698,663.2 2,781,186.7 2,899,758.8 3,508,472.4 4,391,940.8 4,696,248.4
1,950,387.9 1,909,848.6 1,964,947.9 2,440,197.3 3,168,103.2 3,416,491.0
748,275.4 871,338.2 934,810.9 1,068,275.2 1,223,837.7 1,279,757.5
1,611,238.0 1,560,101.7 1,561,943.4 1,899,808.2 2,597,360.5 2,840,555.0
975,445.5 1,044,265.7 1,135,418.3 1,210,760.5 1,560,101.4 1,642,885.8
111,561.8 71,360.6 59,883.1 41,370.5 161,728.5 0.0
0.0 0.0 0.0 0.0 0.0
85,746.0 46,783.1 24,581.3 -12,484.0 143,869.8
25,815.8 24,577.5 35,301.8 53,854.6 17,858.7 0.0
276,934.4 274,819.2 298,190.0 327,137.1 366,135.1
586,949.4 698,085.9 777,345.3 842,252.9 1,032,237.7 1,642,885.8
437,815.3 333,602.2 204,838.3 165,147.9 109,291.0 138,302.4
1,625,055.5 1,931,748.5 2,268,395.4 2,654,276.9 3,245,390.8 3,360,276.9
1,321,606.2 1,603,505.5 1,770,845.1 1,900,001.0 2,332,738.3 2,309,289.2
0.0 0.0 0.0 0.0 0.0 0.0
1,321,606.2 1,603,505.5 1,770,845.1 1,900,001.0 2,332,738.3 2,309,289.2
303,449.3 328,243.1 497,550.4 754,275.9 912,652.5 1,050,987.7
0.0 0.0 0.0 0.0 0.0 0.0
— — — — —
0.0 0.0 0.0 0.0 0.0 0.0
303,449.3 328,243.1 497,550.4 754,275.9 912,652.5 1,050,987.7
283.4 283.4 164.0 290.3 252.1 71,000.0
283.4 283.4 164.0 290.3 252.1
— — — — —
303,165.9 327,959.7 497,386.3 753,985.6 912,400.4 979,987.7
121,397.6 85,162.5 133,824.6 188,401.3 231,017.8 250,792.2
46,376.8 122,652.4 128,623.7 231,829.2 253,710.9
75,020.8 -37,489.9 5,200.9 -43,427.9 -22,693.1
-29,631.4 3,919.0 -8,270.1 -11,914.5 -14,051.5 -15,410.3
211,399.7 238,878.1 371,831.8 577,498.8 695,434.2 744,605.8
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
211,399.7 238,878.1 371,831.8 577,498.8 695,434.2 744,605.8
13,721.7 14,823.6 18,093.0 21,017.1 24,587.5 29,045.7
197,678.0 224,054.6 353,738.8 556,481.7 670,846.7 715,560.1
0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0
197,678.0 224,054.6 353,738.8 556,481.7 670,846.7 715,560.1
197,876.4 224,252.9 353,853.6 556,684.9 671,023.1 765,260.1

198.4 198.4 114.8 203.2 176.4 49,700.0
0.0 0.0 0.0 0.0 0.0 0.0
8,924.6 8,924.6 8,924.6 8,924.6 8,924.6 8,924.6

22.15 25.11 39.64 62.35 75.17 80.18
22.15 25.11 39.64 62.35 75.17 80.18
22.17 25.13 39.65 62.38 75.19 85.75
8,924.6 8,924.6 8,924.6 8,924.6 8,924.6 8,924.6

22.15 25.11 39.64 62.35 75.17 80.18
22.15 25.11 39.64 62.35 75.17 80.18
22.17 25.13 39.65 62.38 75.19 85.75
IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

649,610.0 887,482.9 1,132,977.1 1,443,516.4 1,685,289.4 1,717,391.1
2,062,587.4 2,265,067.3 2,473,069.7 2,819,134.4 3,354,429.7 3,498,579.3
3,673,825.4 3,825,169.0 4,035,013.1 4,718,942.6 5,951,790.1 6,339,134.3
14.71 14.49 20.12 26.75 27.21 30.04
14.71 14.49 20.12 26.75 27.21 30.04
9.59 9.90 14.31 19.74 20.00 21.87
3.08 3.09 3.00 3.24 3.20
### ### ### ### ###
0.00 4.00 7.10 11.30 13.70
0.0 35,698.4 63,364.7 100,857.1 122,278.1
741,264.6 661,845.2 702,388.6 919,423.8 1,021,943.4 1,189,290.1
64.07 70.78 71.60 67.39 69.54 63.34
197,876.4 188,554.5 290,488.9 455,827.9 548,745.0
State Bank of India (SBIN IN) - Standardized
12 Months Ending 03/31/2002 03/31/2003 03/31/2004 03/31/2005
Total Assets
+ Cash & Cash Equivalents 273,282.5 191,500.6 263,768.0 256,158.3
+ Interbanking Assets 467,279.2 341,511.3 278,300.5 257,982.4
+ Other Interbank Assets — — — —
+ ST And LT Investments 1,854,658.0 2,258,902.2 2,488,253.4 2,616,887.4
+ Real Estate Investments — — — —
+ Other Investments — — — —
+ Total Commercial Loans 1,585,031.4 665,430.4 1,191,391.1 1,492,502.4
+ Credit Card Loans — — — —
+ Other Loans 75,058.4 682,959.5 1,008,902.7 1,372,792.9
+ Total Loans 1,660,089.8 1,967,784.8 2,264,417.7 2,927,490.3
- Reserve for Loan Losses — 60,894.6 64,123.9 62,195.0
+ Net Loans 1,660,089.8 1,906,890.2 2,200,293.8 2,865,295.3
+ Net Fixed Assets 30,951.5 31,285.7 35,306.6 35,735.7
+ Property, Plant & Equip — — — —
+ Total Intangible Assets 0.0 0.0 0.0 0.0
+ Goodwill 377.8 377.8 377.8 377.8
+ Other Intangible Assets -377.8 -377.8 -377.8 -377.8
+ Investments in Associates 482.1 1,208.2 1,925.5 2,732.6
+ Total Deferred Tax Assets — — — —
+ Customer Acceptances & Liab — — — —
+ Other Assets 203,050.7 246,262.0 241,996.2 250,984.0
Total Assets 4,489,793.8 4,977,560.2 5,509,844.0 6,285,775.7
Liabilities & Shareholders' Equity

+ Demand Deposits 450,013.3 483,873.8 546,838.8 617,881.4
+ Interest Bearing Deposits 2,911,011.1 3,288,078.8 3,632,253.4 4,286,363.0
+ Saving Deposits 749,533.7 879,944.6 1,069,039.4 1,264,363.4
+ Time Deposits 2,161,477.4 2,408,134.2 2,563,214.0 3,021,999.7
+ Other Deposits 0.0 — — —
+ Total Deposits 3,361,024.3 3,771,952.6 4,179,092.1 4,904,244.4
+ ST Borrowings & Repos 262,384.6 259,691.9 284,624.2 203,673.4
+ Secs Sold Under Repo — — — —
+ ST Lease Liabilities — — — —
+ ST Finance Leases — — — —
+ ST Borrowings — — — —
+ LT Debt 175,988.1 190,515.2 246,754.0 301,490.0
+ LT Lease Liabilities — — — —
+ LT Finance Leases — — — —
+ LT Borrowings — — — —
+ Pension Liabilities — — — —
+ Pensions — — — —
+ Other Post-Ret Benefits — — — —
+ Total Deferred Tax Liabilities — — — —
+ Other Liabilities 490,375.2 521,592.0 514,893.0 537,809.3
Total Liabilities 4,289,772.3 4,743,751.7 5,225,363.4 5,947,217.1
+ Preferred Equity and Hybrid Capital 0.0 0.0 0.0 0.0
+ Share Capital & APIC 157,953.4 172,916.4 183,674.8 212,924.4
+ Common Stock — — — —
+ Additional Paid in Capital — — — —
- Treasury Stock 0.0 0.0 0.0 0.0
+ Retained Earnings 116,314.4 131,316.4 145,646.8 172,689.8
+ Other Equity -79,857.7 -79,060.3 -54,957.4 -60,096.2
Equity before Minority Interest 194,410.1 225,172.5 274,364.2 325,518.0
+ Minority/Non Controlling Interest 5,611.3 8,636.0 10,116.5 13,040.7
Total Equity 200,021.5 233,808.5 284,480.6 338,558.6
Total Liabilities & Equity 4,489,793.8 4,977,560.2 5,509,844.0 6,285,775.7
Reference Items
Shares Outstanding 5,577.7 5,578.7 5,585.0 5,578.7
Number of Treasury Shares 0.0 0.0 0.0 0.0
Pension Obligations — — — —
Future Minimum Operating Lease Obligation — — — —
Total Capital Leases — — — —
Percent Of Foreign Ownership 19.41 19.36 19.39 19.83
Number Of Shareholders 711,000.00 675,000.00 570,000.00 525,000.00
Options Granted During Period — — — —
Options Outstanding at Period End — — — —
Book Value per Share 34.85 40.36 49.12 58.35
Tier 1 Capital Ratio 9.22 8.81 8.34 8.04
Leverage Ratio - Tangible Capital Ratio — — — —
Net Debt -302,189.0 -82,804.8 -10,690.3 -8,977.3
Tangible Common Equity Ratio 4.33 4.52 4.98 5.18
Tangible Common Equity to Risk-Weighted — — — —
Total Risk-Based Capital Ratio 13.35 13.50 13.53 12.45
Real Estate Loans — — — —
Other Loans 75,058.4 682,959.5 1,008,902.7 1,372,792.9
Earning Assets 3,982,027.0 4,568,198.3 5,030,971.6 5,802,360.1
Non-Performing Assets 68,102.8 135,060.7 126,672.1 124,557.3
Off-Balance Sheet Commitments 1,259,664.4 1,405,259.7 1,529,686.3 2,017,460.8
Number of Employees 209,462.00 208,998.00 207,039.00 205,515.00
FY 2006 FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012
03/31/2006 03/31/2007 03/31/2008 03/31/2009 03/31/2010 03/31/2011 03/31/2012
311,287.9 450,661.0 748,172.6 741,610.7 821,955.8 1,193,498.3 791,992.1

262,077.3 337,630.7 176,482.8 511,006.3 396,534.2 359,776.2 483,916.2
— — — 511,006.3 396,534.2 359,776.2 483,916.2
2,272,664.4 2,156,675.9 2,727,908.4 3,710,532.0 4,019,092.4 4,180,083.4 4,596,215.3
0.0 — — — — — —
— — — 3,710,532.0 4,019,092.4 4,180,083.4 4,596,215.3
1,877,371.3 2,163,598.3 2,739,115.8 — — — —
— — — — — — —
1,865,797.0 2,645,738.3 3,258,732.5 — — — —
3,790,335.7 4,856,741.6 6,067,380.6 7,581,114.9 8,806,164.1 10,224,446.7 11,922,238.2
47,167.3 47,405.0 69,532.4 77,491.1 111,147.7 160,431.2 285,536.1
3,743,168.4 4,809,336.6 5,997,848.2 7,503,623.8 8,695,016.4 10,064,015.5 11,636,702.1
39,563.1 39,993.8 46,627.9 52,234.8 60,138.9 64,868.3 74,079.7
— — — 52,234.8 60,138.9 64,868.3 74,079.7
386.2 473.5 4,046.8 6,101.4 7,685.3 7,697.8 7,286.5
386.2 473.5 4,046.8 6,101.4 7,685.3 7,697.8 7,286.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0
6,646.0 8,534.6 10,508.9 11,782.5 8,448.9 10,581.1 13,276.1
— — — 20,080.9 34,337.2 15,591.5 5,344.6
0.0 — — 0.0 0.0 0.0 0.0
332,530.8 348,438.1 561,099.7 491,285.0 458,230.5 582,870.4 690,749.3
6,968,324.2 8,151,744.1 10,272,695.2 13,048,257.4 14,501,439.7 16,478,982.5 18,299,561.7
764,777.2 866,085.5 1,051,653.5 1,194,878.8 1,344,489.6 1,441,775.1 1,113,578.3

4,540,279.0 5,318,690.1 6,497,008.5 8,673,134.2 9,528,064.5 10,862,117.0 12,771,527.0
1,504,538.9 1,726,084.6 2,053,934.2 2,570,085.1 3,311,526.1 4,096,091.6 4,566,327.2
3,035,740.2 3,592,605.5 4,443,074.3 6,103,049.1 6,216,538.5 6,766,025.3 8,205,199.8
0.0 0.0 0.0 0.0 0.0 0.0 0.0
5,305,056.3 6,184,775.6 7,548,662.0 9,868,013.0 10,872,554.1 12,303,892.1 13,885,105.3
296,598.8 372,922.7 393,048.5 492,985.3 555,635.1 517,372.4 513,453.8
0.0 — — — — — —
— — — 64.8 0.0 3.2 18.2
— — — 64.8 0.0 3.2 18.2
— — — 492,920.5 555,635.1 517,369.2 513,435.6
424,277.8 540,489.0 731,220.6 645,851.6 1,220,745.7 1,424,704.5 1,579,895.4
— — — 0.0 0.0 6.3 60.8
— — — 0.0 0.0 6.3 60.8
— — — 645,851.6 1,220,745.7 1,424,698.2 1,579,834.6
— — — — — — —
— — — — — — —
— — — — — — —
— — — 0.9 1.5 1,216.2 3,253.7
556,020.9 611,300.9 967,119.0 1,295,220.0 994,834.7 1,367,313.1 1,218,296.7
6,581,953.8 7,709,488.3 9,640,050.1 12,302,070.7 13,643,771.1 15,614,498.3 17,200,004.9
0.0 0.0 0.0 0.0 0.0 0.0 0.0
247,394.7 287,457.6 510,127.6 212,928.1 212,931.9 212,935.8 291,848.9
— — — 6,348.8 6,348.8 6,350.0 6,710.4
— — — 206,579.3 206,583.1 206,585.8 285,138.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0
210,889.8 248,279.0 303,700.7 364,975.1 435,018.4 395,192.3 443,427.1
-86,217.5 -110,380.1 -201,464.5 146,000.8 183,405.6 226,584.4 327,024.1
372,067.1 425,356.5 612,363.8 723,903.9 831,355.8 834,712.5 1,062,300.1
14,303.3 16,899.4 20,281.2 22,282.7 26,312.7 29,771.7 37,256.7
386,370.4 442,255.8 632,645.0 746,186.7 857,668.5 864,484.2 1,099,556.8
6,968,324.2 8,151,744.1 10,272,695.2 13,048,257.4 14,501,439.7 16,478,982.5 18,299,561.7

5,578.7 5,578.7 6,314.7 6,349.7 6,348.8 6,350.0 6,710.4
0.0 0.0 0.0 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
— — — 2,390.5 2,951.7 4,886.9 6,540.9
— — — 64.8 0.0 9.5 79.0
19.83 19.83 19.59 12.33 13.77 15.77 11.39
520,667.00 526,782.00 638,704.00 781,263.00 729,737.00 728,729.00 857,854.00
— — — — — — —
— — — — — — —
66.69 76.25 96.97 114.01 130.95 131.45 158.31
9.36 8.01 8.95 9.03 9.28 8.02 9.65
0.00 — — — — — —
147,511.4 125,120.1 199,613.8 -113,780.0 557,890.8 388,802.4 817,440.9
5.33 5.21 5.92 5.50 5.68 5.02 5.77
— — — 8.91 9.30 7.81 12.57
11.88 12.34 13.49 14.17 13.49 12.26 13.68
279,420.7 396,769.2 540,751.8 — — — —
1,865,797.0 2,645,738.3 3,258,732.5 — — — —
6,325,077.4 7,351,048.2 8,971,771.8 11,802,653.2 17,249,332.0 18,954,970.8 17,002,369.7
103,757.6 99,982.2 158,173.8 189,167.0 249,214.1 318,241.0 496,487.0
2,930,768.2 3,914,407.5 94,577.0 2,390.5 2,951.7 4,886.9 6,540.9
198,774.00 185,388.00 179,205.00 205,896.00 200,299.00 222,933.00 215,481.00
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
03/31/2013 03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019
895,740.3 1,140,956.0 1,442,875.5 1,604,245.7 1,610,186.1 1,507,694.6 1,773,627.4

556,536.9 530,657.4 642,990.2 441,349.0 1,121,785.4 445,196.5 481,495.2
556,536.9 530,657.4 642,990.2 441,349.0 1,121,785.4 445,196.5 481,495.2
5,177,003.5 5,767,469.5 6,933,325.5 8,048,272.4 10,244,391.5 11,806,192.0 11,157,497.7
— — — — — — —
5,177,003.5 5,767,469.5 6,933,325.5 8,048,272.4 10,244,391.5 11,806,192.0 11,157,497.7
— — — — — — —
— — 0.0 — — — —
— — — — — — —
14,278,130.8 16,168,089.1 17,290,240.0 — — — —
352,050.5 385,322.2 368,126.7 — — — —
13,926,080.3 15,782,766.9 16,922,113.3 18,702,608.9 18,968,868.2 19,601,185.4 22,268,536.7
93,699.3 105,597.8 123,793.0 152,556.8 509,407.4 412,257.9 407,030.5
93,699.3 105,597.8 123,793.0 152,556.8 509,407.4 412,257.9 407,030.5
7,285.5 9,483.5 9,452.2 9,452.2 9,434.2 17,340.7 17,340.7
7,285.5 9,483.5 9,452.2 9,452.2 9,434.2 17,340.7 17,340.7
0.0 0.0 0.0 0.0 0.0 0.0 0.0
16,430.8 20,461.3 23,592.0 25,473.4 28,417.2 31,750.5 35,200.5
5,942.9 4,255.9 9,495.0 11,616.6 49,233.8 118,377.0 109,831.9
0.0 0.0 0.0 0.0 0.0 0.0 0.0
652,366.1 598,167.7 893,463.5 1,739,256.4 1,909,491.8 2,224,335.5 2,634,081.4
21,331,085.7 23,959,816.1 27,001,100.2 30,734,831.5 34,451,215.6 36,164,330.0 38,884,642.0
1,277,934.9 1,339,901.9 1,530,654.0 1,639,389.1 1,888,827.1 1,910,362.7 2,077,953.3

14,620,503.9 16,623,159.1 18,998,953.9 20,740,954.9 24,109,279.6 25,311,420.1 27,327,457.3
5,271,299.4 6,008,477.6 6,564,903.9 7,449,087.5 9,473,617.1 10,191,374.2 11,021,723.7
9,349,204.4 10,614,681.5 12,434,050.0 13,291,867.4 14,635,662.4 15,120,045.9 16,305,733.6
0.0 0.0 0.0 0.0 0.0 0.0 0.0
15,898,438.8 17,963,061.0 20,529,607.9 22,380,344.0 25,998,106.6 27,221,782.8 29,405,410.6
619,555.6 660,988.1 249,046.1 391,630.5 310,205.3 266,795.7 239,325.9
— — — — — — —
31.8 41.9 — 41.6 39.0 124.9 185.5
31.8 41.9 — 41.6 39.0 124.9 185.5
619,523.8 660,946.2 249,046.1 391,588.9 310,166.3 266,670.8 239,140.4
2,037,200.2 2,237,555.2 2,446,634.7 3,613,952.3 3,363,617.6 3,690,668.5 4,137,291.1
105.7 80.2 — 29.0 79.9 428.7 571.9
105.7 80.2 — 29.0 79.9 428.7 571.9
2,037,094.5 2,237,475.0 2,446,634.7 3,613,923.3 3,363,537.7 3,690,239.8 4,136,719.2
— — — — — 0.0 0.0
— — — — — 0.0 0.0
— — — — — 0.0 0.0
7,191.0 33,989.8 26,672.2 29,308.9 33,620.5 53.9 41.7
1,475,831.4 1,541,425.2 2,080,292.8 2,450,998.1 2,508,937.6 2,635,657.3 2,697,246.1
20,038,216.9 22,437,019.2 25,332,253.6 28,866,233.8 32,214,487.7 33,814,958.1 36,479,315.4
0.0 0.0 0.0 0.0 0.0 0.0 0.0
321,852.3 421,912.6 421,912.6 505,457.5 562,205.8 8,924.6 8,924.6
6,840.3 7,465.7 7,465.7 7,762.8 7,973.5 8,924.6 8,924.6
315,012.0 414,446.9 414,446.9 497,694.8 554,232.3 — —
0.0 0.0 0.0 0.0 0.0 0.0 0.0
502,439.8 549,174.7 604,056.1 647,790.0 604,134.8 560,168.4 580,157.0
426,038.0 502,618.1 587,906.8 652,676.2 1,005,580.8 1,734,126.4 1,755,875.0
1,250,330.2 1,473,705.4 1,613,875.4 1,805,923.7 2,171,921.5 2,303,219.5 2,344,956.6
42,538.6 49,091.5 54,971.2 62,674.0 64,806.5 46,152.5 60,369.9
1,292,868.8 1,522,796.9 1,668,846.6 1,868,597.7 2,236,727.9 2,349,371.9 2,405,326.5
21,331,085.7 23,959,816.1 27,001,100.2 30,734,831.5 34,451,215.6 36,164,330.0 38,884,642.0

6,840.3 7,465.7 7,465.7 7,762.8 7,973.5 8,924.6 8,924.6
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
9,386.4 9,758.1 13,208.6 19,624.2 18,071.8 10,742.4 8,673.9
137.5 122.1 91.5 70.6 118.9 553.6 757.4
13.32 — — — 11.17 12.63 11.31
806,721.00 — — — 1,563,380.00 1,618,856.00 1,504,373.00
0.0 0.0 0.0 0.0 0.0 — —
0.0 0.0 0.0 0.0 0.0 — —
182.79 197.40 216.17 232.64 272.39 258.08 262.75
9.46 9.50 9.49 9.87 10.41 10.53 10.78
— — — — 5.37 5.38 5.25
1,204,478.5 1,226,929.8 609,815.1 1,959,988.2 941,851.4 2,004,573.1 2,121,494.4
5.83 6.11 5.94 5.85 6.28 6.32 5.99
9.37 9.81 9.89 10.13 11.17 11.75 11.59
12.82 12.23 12.00 12.92 13.03 12.72 12.83
— — — — — — —
— — — — — — —
20,011,671.2 22,466,216.0 24,866,555.8 27,192,230.3 30,335,045.1 31,852,573.8 33,907,529.6
638,725.6 807,370.2 746,266.3 1,234,638.7 1,791,666.2 2,251,045.1 1,735,895.9
9,386.4 9,758.1 13,208.6 19,624.2 18,071.8 10,742.4 5,585.4
228,296.00 222,033.00 213,238.00 207,739.00 209,572.00 209,567.00 257,252.00
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024
1,669,684.6 2,134,986.2 2,580,864.3 2,473,210.5 2,253,563.4

873,468.0 1,342,084.2 1,408,186.9 709,908.6 1,012,159.7
873,468.0 1,342,084.2 1,408,186.9 709,908.6 1,012,159.7
12,157,716.2 15,817,456.3 17,617,277.4 18,969,186.4 20,928,726.5
— — — — —
12,157,716.2 15,817,456.3 17,617,277.4 18,969,186.4 20,928,726.5
— — — — —
— — — — —
— — — — —
— — — — —
— — — — —
23,743,111.8 25,005,989.9 27,940,760.0 32,679,021.3 37,842,726.7
400,781.7 401,667.9 395,100.3 444,073.8 447,081.8
400,781.7 401,667.9 395,100.3 444,073.8 447,081.8
15,499.9 15,499.9 15,500.2 15,383.6 14,059.6
15,499.9 15,499.9 15,500.2 15,383.6 14,059.6
0.0 0.0 0.0 0.0 0.0
125,126.6 133,546.4 147,621.5 161,892.1 176,755.8
35,001.9 72,448.0 67,452.3 111,363.8 121,407.0
0.0 0.0 0.0 0.0 0.0
2,954,532.7 3,532,506.7 3,436,072.2 3,980,143.0 4,541,307.6
41,974,923.4 48,456,185.5 53,608,835.3 59,544,183.2 67,337,788.0
2,294,283.1 2,892,780.6 2,797,314.0 3,057,333.5 3,092,775.8

30,447,323.2 34,260,531.9 38,076,792.0 41,628,021.6 46,572,599.1
12,167,830.0 13,975,014.5 15,399,805.7 16,007,860.9 16,736,522.5
18,279,493.1 20,285,517.4 22,676,986.3 25,620,160.7 29,836,076.6
0.0 0.0 0.0 0.0 0.0
32,741,606.3 37,153,312.4 40,874,106.0 44,685,355.1 49,665,374.9
269,234.9 177,712.4 335,402.5 274,613.8 157,548.0
— — — — —
337.3 427.2 544.3 532.6 545.1
337.3 427.2 544.3 532.6 545.1
268,897.6 177,285.2 334,858.2 274,081.2 157,002.9
3,328,669.4 4,337,534.9 4,491,053.5 5,210,986.9 6,395,549.9
1,155.6 1,095.7 1,642.5 2,361.3 2,738.9
1,155.6 1,095.7 1,642.5 2,361.3 2,738.9
3,327,513.8 4,336,439.2 4,489,411.0 5,208,625.6 6,392,811.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
66.1 37.1 56.9 38.0 232.1
3,045,307.3 3,935,714.0 4,740,261.6 5,655,510.0 6,813,511.8
39,384,884.0 45,604,310.7 50,440,880.6 55,826,503.8 63,032,216.7
0.0 0.0 0.0 0.0 0.0
8,924.6 8,924.6 8,924.6 800,079.4 800,079.4
8,924.6 8,924.6 8,924.6 8,924.6 8,924.6
— — — 791,154.8 791,154.8
0.0 0.0 0.0 0.0 0.0
695,205.3 852,666.6 1,073,334.9 1,442,328.1 1,930,455.7
1,806,471.3 1,894,024.4 1,973,620.9 1,346,905.7 1,418,856.7
2,510,601.2 2,755,615.6 3,055,880.5 3,589,313.2 4,149,391.7
79,438.2 96,259.2 112,074.2 128,366.2 156,179.6
2,590,039.5 2,851,874.8 3,167,954.7 3,717,679.4 4,305,571.3
41,974,923.4 48,456,185.5 53,608,835.3 59,544,183.2 67,337,788.0

8,924.6 8,924.6 8,924.6 8,925.4 8,925.4
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
7,740.5 3,593.0 6,356.4 5,623.2 5,673.0
1,492.9 1,522.9 2,186.8 2,893.9 3,284.0
10.94 11.33 11.31 11.05 12.35
2,525,912.00 2,787,479.00 2,982,372.00 3,115,804.00 3,284,915.00
— — — — —
— — — — —
281.31 308.77 342.41 402.15 464.90
11.24 11.70 11.68 12.29 12.06
5.57 5.39 5.38 5.85 5.96
1,054,751.7 1,038,176.9 837,404.9 2,302,481.6 3,287,374.9
5.95 5.66 5.67 6.00 6.14
11.40 11.64 11.65 12.15 12.08
13.30 13.97 14.03 14.84 14.38
— — — — —
— — — — —
36,774,296.0 42,165,530.4 46,966,224.4 52,358,116.3 59,783,612.9
1,501,307.2 1,281,685.4 1,127,850.9 918,741.2 856,740.3
6,618.3 3,257.5 2,791.7 2,728.6 2,874.2
249,448.00 245,652.00 244,250.00 235,858.00 232,296.00
State Bank of India (SBIN IN) - Standardized
12 Months Ending 03/31/2002 03/31/2003 03/31/2004 03/31/2005
Cash from Operating Activities
+ Net Income 33,535.7 41,990.1 55,311.0 99,580.4
+ Depreciation & Amortization 39,289.1 50,832.0 69,843.5 68,929.5
+ Provision for Loan Losses — — — —
+ Non-Cash Items 3,920.0 1,021.0 -6,849.3 -28,767.3
+ Gain on Sale of Secs & Loans — — — —
+ Stock-Based Compensation — — — —
+ Other Non-Cash Adjustments 3,920.0 1,021.0 -6,849.3 -28,767.3
+ Net Ch in Operating Capital 63,083.9 0.0 30,308.1 0.0
+ Net Ch of Investments — — — —
+ Net Ch of Interbank Asset — — — —
+ Other Op Assets/Liab — — — —
+ Net Cash From Disc Ops — — — —
Cash from Operating Activities 139,828.8 93,843.2 148,613.4 139,742.7
Cash from Investing Activities

+ Net Change in Fixed Assets -3,840.0 -6,976.0 -13,549.1 -11,628.6
+ Disposal of Fixed Assets 0.0 0.0 0.0 0.0
+ Capital Expenditures/Prop Add -3,840.0 -6,976.0 -13,549.1 -11,628.6
+ Net Change in Investments -281,807.3 -392,760.9 -236,163.9 -179,449.1
+ Decrease in Investments 0.0 0.0 0.0 0.0
+ Dec in HTM Investments — — — —
+ Dec in AFS Investments — — — —
+ Dec in Other Investments — — — —
+ Increase in Investments -281,807.3 -392,760.9 -236,163.9 -179,449.1
+ Inc in HTM Investments — — — —
+ Inc in AFS Investments — — — —
+ Inc in Other Investments — — — —
+ Net Ch in Loans & Interbank -173,485.2 -280,858.4 -373,442.0 -657,174.9
+ Net Ch in Customer Loans — — — —
+ Net Ch in Interbank Assets — — — —
+ Net Ch in Loans — — — —
+ Net Cash from Acq & Div — — — —
+ Cash from Divestitures — — — —
+ Cash for Acq of Subs — — — —
+ Cash for JVs — — — —
+ Other Investing Activities -62.1 -182.5 236.2 0.0
Cash from Investing Activities -459,194.5 -680,777.9 -622,918.8 -848,252.6
Cash from Financing Activities
+ Dividends Paid -2,901.3 -4,762.4 -5,196.9 -6,531.0
+ Cash From (Repayment) Debt -31,946.6 5,840.7 51,043.3 62,719.3
+ Cash (Repurchase) of Equity 0.0 0.0 0.0 0.0
+ Increase in Capital Stock 0.0 0.0 0.0 0.0
+ Decrease in Capital Stock 0.0 0.0 0.0 0.0
+ Net Change In Deposits 386,729.1 404,525.9 413,615.1 706,719.5
+ Other Financing Activities 0.0 -645.7 797.6 3,210.1
Cash from Financing Activities 351,881.2 404,958.4 460,259.1 766,117.8
Effect of Foreign Exchange Rates — — — —
Net Changes in Cash 32,515.4 -181,976.4 -14,046.3 57,607.9
Cash Paid for Taxes 22,596.5 31,185.6 40,826.2 26,688.9

Cash Paid for Interest 5,701.3 4,890.6 4,683.2 4,979.1
Reference Items
Free Cash Flow to Equity — 92,707.8 186,107.6 190,833.4
FY 2006 FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012
03/31/2006 03/31/2007 03/31/2008 03/31/2009 03/31/2010 03/31/2011 03/31/2012
55,299.2 71,938.7 89,606.1 109,552.9 117,338.3 106,849.5 153,431.0

70,870.2 36,713.8 46,155.9 9,244.6 13,215.6 13,805.5 13,716.1
— — — 39,211.3 63,814.4 125,175.6 155,147.3
20,196.1 1,205.3 -21,824.5 27,147.9 -66,861.4 27,603.5 51,027.4
— — — — — — —
— — — — — — —
20,196.1 1,205.3 -21,824.5 27,147.9 -66,861.4 27,603.5 51,027.4
-27,059.9 -57,095.3 -11,541.6 -707,292.4 -142,638.5 120,391.7 -690,477.1
— — — — — — —
— — — — — — —
— — — -707,292.4 -142,638.5 120,391.7 -690,477.1
— — — 0.0 0.0 0.0 0.0
119,305.5 52,762.5 102,395.9 -522,135.7 -15,131.5 393,825.8 -317,155.2
-15,166.2 -9,806.0 -16,910.4 -14,893.6 -21,219.3 -18,742.4 -23,397.5

0.0 0.0 0.0 0.0 0.0 0.0 0.0
-15,166.2 -9,806.0 -16,910.4 -14,893.6 -21,219.3 -18,742.4 -23,397.5
287,905.0 94,288.3 -553,875.8 -5.4 2,295.2 2,232.6 1,461.4
287,905.0 94,288.3 0.0 0.0 2,295.2 2,232.6 1,461.4
— — — 0.0 — — —
— — — 0.0 — — —
— — — 0.0 — — —
0.0 0.0 -553,875.8 -5.4 0.0 0.0 0.0
— — — — 0.0 0.0 0.0
— — — — 0.0 0.0 0.0
— — — — 0.0 0.0 0.0
-877,443.5 -1,145,856.2 -1,187,400.2 -1,507,567.5 -1,253,680.3 -1,481,561.2 -1,714,786.3
— — — -1,507,567.5 -1,253,680.3 -1,481,561.2 -1,714,786.3
— — — 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
— — — -1,410.0 5,477.9 49.6 -1,256.4
— — — 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
— — — -1,410.0 5,477.9 49.6 -1,256.4
-2,990.9 -1,803.6 -1,624.0 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
-607,695.6 -1,063,177.5 -1,759,810.5 -1,523,876.4 -1,267,126.4 -1,498,021.3 -1,737,978.8
-7,516.2 -8,401.6 -8,877.7 -15,979.8 -29,009.2 -15,562.4 -22,726.7
180,263.9 248,121.6 265,738.8 69,019.1 171,810.2 204,147.3 151,282.5
0.0 0.0 1,051.7 34.1 3.9 2.8 78,913.1
0.0 0.0 1,051.7 34.1 3.9 2.8 78,913.1
0.0 0.0 0.0 0.0 0.0 0.0 0.0
379,189.9 922,486.1 1,401,436.4 2,355,718.1 1,044,762.4 1,390,979.2 1,591,269.2
247.3 -387.8 163,580.9 -22,381.4 -35,205.4 -40,314.6 -45,849.5
— — — 0.0 0.0 0.0 0.0
552,184.9 1,161,818.4 1,822,930.1 2,386,410.1 1,152,361.8 1,539,252.3 1,752,888.6
— — — 21,934.8 -4,182.1 -320.9 24,879.2
63,794.8 151,403.4 165,515.5 362,332.8 -134,078.2 434,735.8 -277,366.3
17,298.4 54,339.5 57,598.1 77,648.1 84,444.3 76,722.1 107,180.5

5,921.2 12,221.5 23,846.2 — — — —
284,403.3 291,078.1 351,224.3 -468,010.2 135,459.4 579,230.7 -189,270.2

FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
03/31/2013 03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019
179,162.3 141,737.8 169,943.0 122,246.0 2,412.3 -45,562.9 22,996.4

15,774.9 19,424.3 15,814.9 22,522.1 29,146.8 31,050.7 34,958.9
159,972.6 199,061.7 251,167.8 373,954.0 581,083.8 679,414.3 552,740.8
61,699.4 -21,303.2 35,806.0 2,784.8 65,996.1 -78,609.5 -8,680.8
— — — 1,516.7 — 11,206.1 21,240.4
— — — -2,758.2 -2,932.8 -4,381.6 -2,814.8
61,699.4 -21,303.2 35,806.0 4,026.2 68,928.9 -85,434.0 -27,106.4
-316,709.4 -395,018.7 -1,186,954.8 -254,025.1 -2,538,644.7 -1,423,233.3 729,921.2
— — — — — — —
— — — — — — —
-316,709.4 -395,018.7 -1,186,954.8 -254,025.1 -2,538,644.7 -1,423,233.3 729,921.2
0.0 0.0 0.0 0.0 0.0 — —
99,899.8 -56,098.2 -714,223.0 267,481.7 -1,860,005.7 -836,940.8 1,331,936.5
-35,714.3 -31,785.2 -34,522.9 -37,756.1 -44,237.1 66,018.3 -30,055.1

0.0 0.0 0.0 0.0 0.0 66,018.3 0.0
-35,714.3 -31,785.2 -34,522.9 -37,756.1 -44,237.1 0.0 -30,055.1
0.0 0.0 0.0 0.0 0.0 — 0.0
0.0 0.0 0.0 0.0 0.0 — 0.0
0.0 0.0 0.0 0.0 0.0 — —
0.0 0.0 0.0 0.0 0.0 — —
0.0 0.0 0.0 0.0 0.0 — —
0.0 0.0 0.0 0.0 0.0 — 0.0
0.0 0.0 0.0 0.0 0.0 — —
0.0 0.0 0.0 0.0 0.0 — —
0.0 0.0 0.0 0.0 0.0 — —
-2,438,443.8 -2,040,059.5 -1,361,329.5 -2,131,607.5 -825,426.8 -1,341,902.2 -3,219,887.0
-2,438,443.8 -2,040,059.5 -1,361,329.5 -2,131,607.5 -825,426.8 -1,341,902.2 -3,219,887.0
0.0 0.0 0.0 0.0 0.0 — —
0.0 0.0 0.0 0.0 0.0 — —
-946.7 -1,404.6 13.7 995.3 15,859.3 52,391.4 4,029.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 — —
-946.7 -1,404.6 13.7 995.3 15,859.3 52,391.4 4,029.5
0.0 0.0 31.3 0.0 18.0 -7,906.6 17,340.7
0.0 0.0 0.0 0.0 0.0 — —
-2,475,104.9 -2,073,249.3 -1,395,807.4 -2,168,368.2 -853,786.6 -1,231,399.1 -3,228,572.0
-27,500.7 -45,928.8 -13,587.1 -31,468.2 -24,985.7 -25,598.5 -1,206.9
455,187.9 196,846.4 209,037.6 13,404.9 -75,859.8 -166,729.1 -8,446.7
30,003.4 100,060.3 29,700.0 53,845.0 56,748.3 237,824.5 0.0
30,003.4 100,060.3 29,700.0 53,845.0 56,748.3 237,824.5 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
2,127,132.1 2,114,497.4 2,141,084.3 2,008,967.8 3,459,531.0 1,213,918.5 2,183,627.8
-47,067.4 -47,764.1 -43,067.4 7,702.9 2,132.4 9,974.7 14,130.0
0.0 0.0 0.0 0.0 0.0 — —
2,537,755.2 2,317,711.2 2,323,167.3 2,052,452.3 3,417,566.2 1,269,390.1 2,188,104.2
13,818.8 30,972.4 60.1 9,218.4 -17,397.1 19,869.3 10,762.9
176,369.0 219,336.2 213,197.0 160,784.2 686,376.9 -779,080.5 302,231.6
44,423.7 126,013.1 75,173.7 94,984.3 13,779.3 80,104.2 81,752.3

— — — — — — —
519,373.4 108,963.0 -539,708.3 243,130.5 -1,980,102.5 -937,651.6 1,293,434.7

FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 Last 12M
03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024 09/30/2024
197,678.0 224,054.6 353,738.8 556,481.7 670,846.7 715,560.1

36,615.6 37,110.6 36,912.7 36,956.0 38,491.2
435,575.2 36,013.2 45,818.1 56,415.1 109,291.0 138,302.4
-50,889.0 521,998.7 262,552.9 180,384.8 -165,910.7
0.0 51.5 4,457.4 49,226.1 -48,927.9
-29,631.4 3,919.0 -8,270.1 — —
-21,257.6 518,028.1 266,365.7 131,158.7 -116,982.9
-1,802,679.5 -2,771,457.5 -803,716.7 -718,312.9 -522,230.6
— — — -1,415,973.8 -1,904,571.1
— — — — 4,980,019.8
-1,802,679.5 -2,771,457.5 -803,716.7 697,660.9 -3,597,679.4
— — 0.0 0.0 0.0
-1,183,699.6 -1,952,280.3 -104,694.1 111,924.6 130,487.5
-30,650.1 -38,280.2 -30,509.2 -40,436.3 -41,751.3

0.0 0.0 2,543.4 6,273.9 0.0
-30,650.1 -38,280.2 -33,052.6 -46,710.2 -41,751.3
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
— 0.0 0.0 0.0 0.0
— 0.0 0.0 0.0 0.0
— 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
— 0.0 0.0 0.0 0.0
— 0.0 0.0 0.0 0.0
— 0.0 0.0 0.0 0.0
-1,913,064.0 -1,560,204.6 -3,093,229.1 -4,846,530.1 —
-1,913,064.0 -1,560,204.6 -3,093,229.1 -4,846,530.1 —
— 0.0 0.0 0.0 —
— 0.0 0.0 0.0 —
-4,574.3 886.0 -5,707.9 0.0 0.0
— 0.0 0.0 0.0 0.0
— 0.0 0.0 0.0 0.0
-4,574.3 886.0 -5,707.9 0.0 0.0
1,840.8 -0.1 0.0 0.0 -821.6
— — 0.0 0.0 0.0
-1,946,447.6 -1,597,598.8 -3,129,446.2 -4,886,966.4 -42,572.9
-650.4 -36.5 -35,707.1 -63,379.5 -100,972.2
35,877.3 54,642.3 35,557.0 174,080.9 0.0
0.0 0.0 0.0 0.1 0.0
0.0 0.0 0.0 0.1 0.0
0.0 0.0 0.0 0.0 0.0
3,336,195.6 4,411,706.2 3,720,793.6 3,811,249.1 —
19,068.3 16,820.9 15,815.1 16,408.6 87,901.9
— — 0.0 0.0 0.0
3,390,490.8 4,483,132.9 3,736,458.5 3,938,359.1 -13,070.3
27,686.4 664.0 9,662.7 30,750.5 7,759.6
288,030.0 933,917.7 511,980.9 -805,932.1 82,603.9
148,594.9 38,194.9 90,243.0 173,237.2 312,682.7

— — 54,110.1 63,246.3 85,892.5
-1,178,472.4 -1,935,918.3 -99,646.3 245,569.2 88,736.2

State Bank of India (SBIN IN) - Growth
12 Months Ending 03/31/2003 03/31/2004 03/31/2005 03/31/2006
1 Year Growth
Revenue 8.99 6.60 3.80 11.67
Operating Income 37.40 11.71 54.11 -29.92
Net Income to Common 25.21 31.72 80.04 -44.47
EPS Diluted 25.21 31.72 80.04 -44.47
EPS Diluted before XO — — — —
EPS Diluted before Abnormal — — — —
Dividend per Share 41.67 29.41 13.64 5.67
Fixed Assets 1.08 12.85 1.22 10.71

Total Assets 10.86 10.69 14.08 10.86
Employees -0.22 -0.94 -0.74 -3.28
Short-Term Debt -1.03 9.60 -28.44 45.62
Total Debt 2.70 18.03 -4.93 42.70
Total Equity 16.89 21.67 19.01 14.12
Capital 7.15 19.27 3.42 31.23
Cash From Operations -32.89 58.36 -5.97 -14.62

Capital Expenditures 81.67 94.22 -14.17 30.42
Net Change In Cash — 92.28 — 10.74
5 Year Growth
Revenue — — — —
Operating Income — — — —
Net Income to Common — — — —
EPS Diluted — — — —
Dividend per Share — — — —
Fixed Assets — — — —
Total Assets — — — —
Employees — — — —
Short-Term Debt — — — —
Total Debt — — — —
Total Equity — — — —
Total Capital 5 Year Growth — — — —
Book Value per Share — — — —
Cash From Operations — — — —
Net Change In Cash — — — —
Sequential Growth
Revenue 8.99 6.60 3.80 11.67
Operating Income 37.40 11.71 54.11 -29.92
Net Income to Common 25.21 31.72 80.04 -44.47
EPS Diluted 25.21 31.72 80.04 -44.47
Dividend per Share 41.67 29.41 13.64 5.67
Fixed Assets 1.08 12.85 1.22 10.71

Total Assets 10.86 10.69 14.08 10.86
Employees -0.22 -0.94 -0.74 -3.28
Short-Term Debt -1.03 9.60 -28.44 45.62
Total Debt 2.70 18.03 -4.93 42.70
Total Equity 16.89 21.67 19.01 14.12
Capital 7.15 19.27 3.42 31.23
Capital Expenditures 81.67 94.22 -14.17 30.42

Net Change In Cash -659.66 — — 10.74
FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012 FY 2013
03/31/2007 03/31/2008 03/31/2009 03/31/2010 03/31/2011 03/31/2012 03/31/2013
12.07 31.97 24.21 20.79 8.79 19.85 14.49

28.87 20.12 30.32 3.12 6.68 24.20 5.77
30.09 24.56 22.26 7.11 -8.94 43.60 16.77
30.09 23.26 8.64 7.03 -8.95 43.54 10.46
— — — 7.03 -8.95 43.54 10.46
— — — 4.72 -6.17 39.50 10.40
5.99 62.78 34.88 3.45 0.00 16.67 18.57
1.09 16.59 12.02 15.13 7.86 14.20 26.48

16.98 26.02 27.02 11.14 13.64 11.05 16.57
-6.73 -3.34 14.89 -2.72 11.30 -3.34 5.95
25.73 5.40 25.43 12.71 -6.89 -0.76 20.66
26.71 23.08 1.30 55.98 9.33 7.79 26.91
14.46 43.05 17.95 14.94 0.79 27.19 17.58
22.44 29.60 7.29 39.74 6.55 13.77 23.70
14.32 27.18 17.56 14.86 0.39 20.43 15.47
-55.78 94.07 — 97.10 — — —

-35.34 72.45 -11.93 42.47 -11.67 24.84 52.64
137.33 9.32 118.91 — — — —
8.58 12.81 16.32 19.90 19.28 20.89 17.50

16.40 13.31 16.85 7.83 17.28 16.42 13.50
16.49 16.37 14.65 3.34 14.08 16.36 14.86
16.49 16.12 11.74 0.70 11.17 13.37 10.92
— — — — — — —
— — — — — — —
18.47 21.80 22.82 20.53 19.21 21.52 14.06
5.26 8.31 8.15 10.97 10.39 13.12 14.98

12.67 15.59 18.82 18.20 18.78 17.55 15.74
-2.41 -3.03 -0.11 -0.51 2.32 3.05 4.96
7.28 8.64 11.61 22.23 11.77 6.60 9.53
15.81 20.09 16.47 28.59 21.92 18.04 18.77
17.20 22.03 21.27 20.43 17.48 19.98 15.37
16.26 20.76 18.23 25.57 20.44 18.69 17.59
16.95 19.16 18.34 17.55 14.53 15.73 13.52
-17.71 1.76 — — — — —
— — — — 46.79 — —
12.07 31.97 24.21 20.79 8.79 19.85 14.49

28.87 20.12 30.32 3.12 6.68 24.20 5.77
30.09 24.56 22.26 7.11 -8.94 43.60 16.77
30.09 23.26 8.64 7.03 -8.95 43.54 10.46
— — — 7.03 -8.95 43.54 10.46
— — — 4.72 -6.17 39.50 10.40
5.99 62.78 34.88 3.45 0.00 16.67 18.57
1.09 16.59 12.02 15.13 7.86 14.20 26.48

16.98 26.02 27.02 11.14 13.64 11.05 16.57
-6.73 -3.34 14.89 -2.72 11.30 -3.34 5.95
25.73 5.40 25.43 12.71 -6.89 -0.76 20.66
26.71 23.08 1.30 55.98 9.33 7.79 26.91
14.46 43.05 17.95 14.94 0.79 27.19 17.58
22.44 29.60 7.29 39.74 6.55 13.77 23.70
14.32 27.18 17.56 14.86 0.39 20.43 15.47
-35.34 72.45 -11.93 42.47 -11.67 24.84 52.64

137.33 9.32 118.91 -137.00 — -163.80 —
FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020
03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019 03/31/2020
12.19 14.10 5.89 8.71 0.86 10.63 10.89

-17.60 21.24 -29.70 -94.80 — — 480.72
-20.89 19.90 -28.07 -98.03 — — 759.60
-23.54 11.57 -29.92 -98.06 — — 758.53
-23.54 11.57 -29.92 -98.06 — — 758.53
-23.49 11.55 -29.99 -97.82 — — 752.07
-27.71 16.67 -25.71 0.00 — — —
12.70 17.23 23.24 233.91 -19.07 -1.27 -1.54

12.32 12.69 13.83 12.09 4.97 7.52 7.95
-2.74 -3.96 -2.58 0.88 0.00 22.75 -3.03
6.69 -62.32 57.25 -20.79 -13.99 -10.30 12.50
9.10 -7.00 48.59 -8.28 7.72 10.59 -17.79
17.78 9.59 11.97 19.70 5.04 2.38 7.68
11.94 -1.29 34.59 0.62 6.70 7.53 -8.76
7.99 9.51 7.62 17.09 -5.26 1.81 7.06
— -1,173.17 — — 55.00 — —
-11.00 8.61 9.37 17.17 -100.00 — 1.98
24.36 -2.80 -24.58 326.89 — — -4.70
15.13 13.83 13.21 11.02 8.25 7.94 7.33

3.55 6.96 -1.60 -47.84 — -24.53 3.24
5.29 7.69 2.73 -56.42 — -30.49 3.07
3.39 4.25 -1.07 -58.15 — -33.87 -0.54
3.39 4.25 -1.07 -58.15 — -33.87 -0.54
2.97 4.28 -1.65 -57.18 — -33.79 -0.56
0.68 3.13 -2.82 -5.77 -100.00 -100.00 -100.00
15.12 15.53 18.65 47.05 34.49 30.98 26.49

12.92 13.24 13.28 13.49 11.14 10.17 9.22
1.52 1.26 -1.40 -0.55 -1.70 2.99 3.19
6.04 -14.83 -5.42 -9.59 -15.51 -18.39 1.57
20.54 8.70 15.58 11.91 8.30 8.59 5.94
15.33 14.24 16.67 15.26 12.69 9.57 9.19
18.59 10.63 15.92 13.11 9.81 8.93 7.23
11.60 10.55 12.09 11.47 7.14 5.89 5.41
— — — — — — —
— — -18.04 — — 6.62 6.20
12.19 14.10 5.89 8.71 0.86 10.63 10.89

-17.60 21.24 -29.70 -94.80 -1,396.00 — 480.72
-20.89 19.90 -28.07 -98.03 -1,988.75 — 759.60
-23.54 11.57 -29.92 -98.06 -1,822.58 — 758.53
-23.54 11.57 -29.92 -98.06 -1,822.58 — 758.53
-23.49 11.55 -29.99 -97.82 -1,625.25 — 752.07
-27.71 16.67 -25.71 0.00 -100.00 — —
12.70 17.23 23.24 233.91 -19.07 -1.27 -1.54

12.32 12.69 13.83 12.09 4.97 7.52 7.95
-2.74 -3.96 -2.58 0.88 0.00 22.75 -3.03
6.69 -62.32 57.25 -20.79 -13.99 -10.30 12.50
9.10 -7.00 48.59 -8.28 7.72 10.59 -17.79
17.78 9.59 11.97 19.70 5.04 2.38 7.68
11.94 -1.29 34.59 0.62 6.70 7.53 -8.76
7.99 9.51 7.62 17.09 -5.26 1.81 7.06
-11.00 8.61 9.37 17.17 -100.00 — 1.98

24.36 -2.80 -24.58 326.89 -213.51 — -4.70
FY 2021 FY 2022 FY 2023 FY 2024
03/31/2021 03/31/2022 03/31/2023 03/31/2024
4.12 5.49 16.95 26.13

8.18 51.66 51.59 21.01
13.34 57.88 57.31 20.55
13.36 57.87 57.29 20.56
13.36 57.87 57.29 20.56
13.33 57.79 57.32 20.54
— 77.50 59.15 21.24
0.22 -1.64 12.40 0.68

15.44 10.63 11.07 13.09
-1.52 -0.57 -3.44 -1.51
-33.99 88.73 -18.12 -42.63
25.50 6.89 13.66 19.46
10.11 11.08 17.35 15.81
19.06 8.51 15.12 17.99
9.76 10.90 17.45 15.60
-64.93 94.64 — 16.59

24.89 -13.66 41.32 -10.62
224.24 -45.18 — —
6.97 6.33 9.52 12.43

12.53 120.94 — 77.21
12.88 171.17 — 96.33
9.50 163.85 — 96.28
9.50 163.85 — 96.28
9.49 157.77 — 95.96
9.00 22.25 — —
21.36 -4.96 1.50 1.89

9.53 9.25 10.49 11.61
3.41 3.11 2.39 -2.02
-14.62 1.57 0.58 -8.02
2.42 5.61 6.75 8.41
8.82 7.21 9.61 12.35
4.63 6.23 7.85 9.87
5.83 4.68 9.28 12.09
— — — —
42.17 -5.69 — -22.85
4.12 5.49 16.95 26.13

8.18 51.66 51.59 21.01
13.34 57.88 57.31 20.55
13.36 57.87 57.29 20.56
13.36 57.87 57.29 20.56
13.33 57.79 57.32 20.54
— 77.50 59.15 21.24
0.22 -1.64 12.40 0.68

15.44 10.63 11.07 13.09
-1.52 -0.57 -3.44 -1.51
-33.99 88.73 -18.12 -42.63
25.50 6.89 13.66 19.46
10.11 11.08 17.35 15.81
19.06 8.51 15.12 17.99
9.76 10.90 17.45 15.60
24.89 -13.66 41.32 -10.62

224.24 -45.18 -257.41 —
State Bank of India (SBIN IN) - Liquidity
12 Months Ending 03/31/2002 03/31/2003 03/31/2004 03/31/2005
Long-Term Debt/Equity 87.98 81.48 86.74 89.05

Long-Term Debt/Capital 27.57 27.85 30.24 35.73
Long-Term Debt/Total Assets 3.92 3.83 4.48 4.80
Total Debt/Equity 219.16 192.55 186.79 149.21

Total Debt/Capital 68.67 65.82 65.13 59.87
Total Debt/Total Assets 9.76 9.04 9.64 8.04
CFO/Total Liabilities 3.26 1.98 2.84 2.35

CFO/CapEx 36.41 13.45 10.97 12.02
Common Equity/Total Assets 4.33 4.52 4.98 5.18
FY 2006 FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012
03/31/2006 03/31/2007 03/31/2008 03/31/2009 03/31/2010 03/31/2011 03/31/2012
109.81 122.21 115.58 86.55 142.33 164.80 143.68

38.32 39.87 41.62 34.26 46.34 50.76 49.48
6.09 6.63 7.12 4.95 8.42 8.65 8.63
186.58 206.53 177.71 152.62 207.12 224.65 190.38

65.11 67.38 63.99 60.42 67.44 69.20 65.56
10.35 11.21 10.94 8.73 12.25 11.79 11.44
1.81 0.68 1.06 -4.24 -0.11 2.52 -1.84

7.87 5.38 6.06 -35.06 -0.71 21.01 -13.56
5.34 5.22 5.96 5.55 5.73 5.07 5.81

FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
03/31/2013 03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019
157.57 146.94 146.61 193.40 150.38 157.09 172.01

51.58 50.61 56.06 61.52 56.91 58.52 61.00
9.55 9.34 9.06 11.76 9.76 10.21 10.64
205.49 190.34 161.53 214.36 164.25 168.45 181.96

67.27 65.56 61.76 68.19 62.16 62.75 64.53
12.45 12.10 9.98 13.03 10.66 10.94 11.26
0.50 -0.25 -2.82 0.93 -5.77 -2.48 3.65

2.80 -1.76 -20.69 7.08 -42.05 — 44.32
5.86 6.15 5.98 5.88 6.30 6.37 6.03
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024
128.52 152.09 141.77 140.17 148.54

53.79 58.88 56.18 56.62 58.90
7.93 8.95 8.38 8.75 9.50
138.91 158.33 152.35 147.55 152.20

58.14 61.29 60.37 59.60 60.35
8.57 9.32 9.00 9.21 9.73
-3.01 -4.28 -0.21 0.20 0.21

-38.62 -51.00 -3.17 2.40 3.13
5.98 5.69 5.70 6.03 6.16
State Bank of India (SBIN IN) - Yield Analysis
12 Months Ending 03/31/2002 03/31/2003 03/31/2004 03/31/2005
T12 Cash Flows to Equity
+ Cash From Operations 139,828.8 93,843.2 148,613.4 139,742.7
+ Capital Expenditures -3,840.0 -6,976.0 -13,549.1 -11,628.6
Market Capitalization 115,660.7 142,048.1 319,142.7 344,620.5
Dividends Paid -2,901.3 -4,762.4 -5,196.9 -6,531.0

Net Share Repurchases 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0
-31,946.6 5,840.7 51,043.3 62,719.3
Other Financing Activities 0.0 -645.7 797.6 3,210.1
T12 Cash to Suppliers of Capital -34,847.9 432.5 46,644.0 59,398.4
T12 Shareholder Yield 30.13 -0.30 -14.62 -17.24
- Dividends Paid -2,901.3 -4,762.4 -5,196.9 -6,531.0

- Net Share Repurchases 0.0 0.0 0.0 0.0
T12 Cash to Shareholders 2,901.3 4,762.4 5,196.9 6,531.0
T12 Shareholder Yield, Ex Debt 2.51 3.35 1.63 1.90
- Dividends Paid -2,901.3 -4,762.4 -5,196.9 -6,531.0

- Net Share Repurchases 0.0 0.0 0.0 0.0
- Net ST Debt Repayments 0.0 0.0 0.0 0.0
- Net LT Debt Repayments -31,946.6 5,840.7 51,043.3 62,719.3
- Other Financing Activities 0.0 -645.7 797.6 3,210.1
T12 Cash to Suppliers of Capital -34,847.9 432.5 46,644.0 59,398.4
FY 2006 FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012
03/31/2006 03/31/2007 03/31/2008 03/31/2009 03/31/2010 03/31/2011 03/31/2012
119,305.5 52,762.5 102,395.9 -522,135.7 -15,131.5 393,825.8 -317,155.2

-15,166.2 -9,806.0 -16,910.4 -14,893.6 -21,219.3 -18,742.4 -23,397.5
509,720.5 523,377.9 1,010,510.5 677,574.9 1,319,413.1 1,755,962.7 1,406,744.8
-7,516.2 -8,401.6 -8,877.7 -15,979.8 -29,009.2 -15,562.4 -22,726.7

0.0 0.0 1,051.7 34.1 3.9 2.8 78,913.1
0.0 — 0.0 — — — —
180,263.9 248,121.6 265,738.8 69,019.1 171,810.2 204,147.3 151,282.5
247.3 -387.8 163,580.9 -446.5 -39,387.6 -40,635.4 -20,970.3
172,995.0 239,332.2 421,493.7 52,626.8 103,417.3 147,952.2 186,498.6
509,720.5 523,377.9 1,010,510.5 677,574.9 1,319,413.1 1,755,962.7 1,406,744.8
-33.94 -45.73 -41.71 -7.77 -7.84 -8.43 -13.26
-7,516.2 -8,401.6 -8,877.7 -15,979.8 -29,009.2 -15,562.4 -22,726.7

0.0 0.0 1,051.7 34.1 3.9 2.8 78,913.1
7,516.2 8,401.6 7,826.0 15,945.7 29,005.3 15,559.6 -56,186.3
509,720.5 523,377.9 1,010,510.5 677,574.9 1,319,413.1 1,755,962.7 1,406,744.8
1.47 1.61 0.77 2.35 2.20 0.89 -3.99
-7,516.2 -8,401.6 -8,877.7 -15,979.8 -29,009.2 -15,562.4 -22,726.7

0.0 0.0 1,051.7 34.1 3.9 2.8 78,913.1
0.0 — 0.0 — — — —
180,263.9 248,121.6 265,738.8 69,019.1 171,810.2 204,147.3 151,282.5
247.3 -387.8 163,580.9 -446.5 -39,387.6 -40,635.4 -20,970.3
172,995.0 239,332.2 421,493.7 52,626.8 103,417.3 147,952.2 186,498.6
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
03/31/2013 03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019
99,899.8 -56,098.2 -714,223.0 267,481.7 -1,860,005.7 -836,940.8 1,331,936.5

-35,714.3 -31,785.2 -34,522.9 -37,756.1 -44,237.1 0.0 -30,055.1
1,417,831.4 1,431,703.2 1,993,723.4 1,507,919.4 2,339,426.2 2,230,254.4 2,862,569.1
-27,500.7 -45,928.8 -13,587.1 -31,468.2 -24,985.7 -25,598.5 -1,206.9

30,003.4 100,060.3 29,700.0 53,845.0 56,748.3 237,824.5 0.0
— — — — — — —
455,187.9 196,846.4 209,037.6 13,404.9 -75,859.8 -166,729.1 -8,446.7
-33,248.7 -16,791.7 -43,007.3 16,921.3 -15,264.7 29,844.0 24,892.9
424,441.9 234,186.2 182,143.1 52,702.9 -59,361.8 75,340.9 15,239.2
1,417,831.4 1,431,703.2 1,993,723.4 1,507,919.4 2,339,426.2 2,230,254.4 2,862,569.1
-29.94 -16.36 -9.14 -3.50 2.54 -3.38 -0.53
-27,500.7 -45,928.8 -13,587.1 -31,468.2 -24,985.7 -25,598.5 -1,206.9

30,003.4 100,060.3 29,700.0 53,845.0 56,748.3 237,824.5 0.0
-2,502.7 -54,131.5 -16,112.9 -22,376.7 -31,762.6 -212,226.0 1,206.9
1,417,831.4 1,431,703.2 1,993,723.4 1,507,919.4 2,339,426.2 2,230,254.4 2,862,569.1
-0.18 -3.78 -0.81 -1.48 -1.36 -9.52 0.04
-27,500.7 -45,928.8 -13,587.1 -31,468.2 -24,985.7 -25,598.5 -1,206.9

30,003.4 100,060.3 29,700.0 53,845.0 56,748.3 237,824.5 0.0
— — — — — — —
455,187.9 196,846.4 209,037.6 13,404.9 -75,859.8 -166,729.1 -8,446.7
-33,248.7 -16,791.7 -43,007.3 16,921.3 -15,264.7 29,844.0 24,892.9
424,441.9 234,186.2 182,143.1 52,702.9 -59,361.8 75,340.9 15,239.2
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024
-1,183,699.6 -1,952,280.3 -104,694.1 111,924.6 130,487.5

-30,650.1 -38,280.2 -33,052.6 -46,710.2 -41,751.3
1,756,809.8 3,251,236.0 4,404,742.0 4,674,681.0 6,715,028.6
-650.4 -36.5 -35,707.1 -63,379.5 -100,972.2

0.0 0.0 0.0 0.1 0.0
0.0 0.0 0.0 0.0 0.0
35,877.3 54,642.3 35,557.0 174,080.9 —
46,754.7 17,484.9 25,477.7 47,159.1 95,661.5
81,981.6 72,090.7 25,327.6 157,860.6 -5,310.7
1,756,809.8 3,251,236.0 4,404,742.0 4,674,681.0 6,715,028.6
-4.67 -2.22 -0.58 -3.38 0.08
-650.4 -36.5 -35,707.1 -63,379.5 -100,972.2

0.0 0.0 0.0 0.1 0.0
650.4 36.5 35,707.1 63,379.4 100,972.2
1,756,809.8 3,251,236.0 4,404,742.0 4,674,681.0 6,715,028.6
0.04 0.00 0.81 1.36 1.50
-650.4 -36.5 -35,707.1 -63,379.5 -100,972.2

0.0 0.0 0.0 0.1 0.0
0.0 0.0 0.0 0.0 0.0
35,877.3 54,642.3 35,557.0 174,080.9 —
46,754.7 17,484.9 25,477.7 47,159.1 95,661.5
81,981.6 72,090.7 25,327.6 157,860.6 -5,310.7
State Bank of India (SBIN IN) - DuPont Analysis
12 Months Ending 03/31/2002 03/31/2003 03/31/2004 03/31/2005
Tax Burden
Net Inc to Comn/Pre-Tax Profit % 62.44 57.08 67.31 78.26
Adjustment Factor
Normlzd Net Inc/Net Inc to Cmn 1.00 1.00 1.00 1.00
Operating Margin
EBIT/Revenue % 28.95 33.46 30.42 43.01
Asset Turnover
Revenue/Avg Assets — 0.10 0.10 0.09
Leverage Ratio
Avg Assets/Avg Equity — 22.56 20.99 19.66
Adjusted Return on Equity — 20.02 22.14 33.20
5 Year Average Adj ROE — — — —

Payout Ratio 9.42 10.65 10.47 6.61
Sustainable Growth Rate — 17.88 19.83 31.01
FY 2006 FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012
03/31/2006 03/31/2007 03/31/2008 03/31/2009 03/31/2010 03/31/2011 03/31/2012
62.20 61.79 64.05 61.22 62.81 53.64 62.70
1.00 1.00 1.00 1.02 1.00 1.03 1.00
26.97 34.05 33.29 36.43 27.33 25.29 28.22
0.09 0.09 0.10 0.10 0.10 0.09 0.10
19.00 18.96 17.75 17.45 17.71 18.59 18.33
15.85 18.04 17.27 16.77 15.10 13.23 16.21
— 21.85 21.30 20.23 16.61 16.08 15.71

13.32 10.24 15.15 16.81 16.23 17.83 15.31
13.74 16.19 14.65 13.64 12.64 10.54 13.70
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
03/31/2013 03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019
69.22 66.46 64.94 67.25 25.53 37.21 44.05
1.00 1.00 1.00 1.00 1.13 — 1.01
27.33 20.39 20.97 13.97 0.64 -8.01 2.98
0.10 0.10 0.10 0.09 0.09 0.08 0.09
17.14 16.63 16.51 16.88 16.39 15.78 16.15
15.52 10.43 11.03 7.16 0.14 -2.03 1.00
15.36 14.10 13.28 12.07 8.85 5.35 3.46

15.84 15.80 15.58 16.51 874.08 — 0.00
13.04 8.76 9.29 5.97 -0.94 — 0.99
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024
65.20 68.32 71.12 73.81 73.53
1.00 1.00 1.00 1.00 1.00
14.70 14.48 20.11 26.75 27.20
0.09 0.08 0.08 0.08 0.09
16.65 17.17 17.56 17.03 16.40
8.15 8.52 12.18 16.75 17.34
2.88 3.16 5.56 9.32 12.59

0.00 15.93 17.91 18.12 18.23
8.14 7.15 9.99 13.71 14.18
State Bank of India (SBIN IN) - Overview
12 Months Ending 03/31/2010 03/31/2011 03/31/2012 03/31/2013
ESG Financial Materiality Scores
ESG Disclosure Scores
Environmental
Air Quality
Climate Change
Emissions Reduction Initiatives No No No No
Transition Plan Claim n/a n/a n/a n/a
Climate Change Policy No No No No
Climate Change Opportunities Discussed No No No No
Risks of Climate Change Discussed No No No No
GHG Scope 1 — — — —
GHG Scope 2 Location-Based — — — —
GHG Scope 3 — — — —
Scope of Disclosure — — — —
Energy
Energy Efficiency Policy Yes Yes Yes Yes
Total Energy Consumption — — — —
Renewable Energy Use — — — —
Electricity Used — — — —
Self Generated Renewable Electricity — — — —
Fuel Used - Crude Oil/Diesel — — — —
Materials & Waste

Waste Reduction Policy No No No No
Total Waste — — — —
Waste Recycled — — — —
Supply Chain
Environmental Supply Chain Management No No No No
Water
Water Policy No No No No
Total Water Withdrawal — — — —
Water Consumption — — — —
Ecological & Biodiversity Impacts

Biodiversity Policy No No No No
Adopts TNFD Recommendations n/a n/a n/a n/a
Zero Deforestation Policy n/a n/a n/a n/a
Board Level Oversight of Biodiversity n/a n/a n/a n/a
Executive Level Oversight of Biodiversity n/a n/a n/a n/a
Social
Community & Customers
Human Rights Policy No No No Yes
Policy Against Child Labor No No No Yes
Quality Assurance and Recall Policy n/a n/a n/a n/a
Consumer Data Protection Policy n/a n/a n/a n/a
Community Spending 197.2 279.5 711.8 1,230.0
Number of Customer Complaints — — — —
Diversity
Equal Opportunity Policy No No No No
Gender Pay Gap Breakout n/a n/a n/a n/a
Pct Women in Workforce — — — 20.51
Pct Minorities in Management — — — —
Pct Minorities in Workforce — — — —
Pct Disabled in Workforce 1.01 1.13 1.08 1.05
80%+ Workforce Gender Pay Gap Waterfall — — — —
Ethics & Compliance

Business Ethics Policy No No No No
Anti-Bribery Ethics Policy No No No No
Health & Safety

Health and Safety Policy No No No No
Fatalities - Employees — — — —
Lost Time Incident Rate - Employees — — — —
Total Recordable Incident Rate - Employees — — — —
Human Capital
Training Policy Yes Yes Yes Yes
Fair Remuneration Policy No No No No
Number of Employees - CSR 200,299.00 222,933.00 215,481.00 228,296.00
Employee Turnover Pct — — — —
Pct Employees Unionized — — — —
Total Hours Spent by Firm - Employee Train — — — —
Company Discloses Employee Engagement n/a n/a n/a n/a
Supply Chain
Social Supply Chain Management No No No No
Governance
Audit Risk & Oversight
Years Auditor Employed — — — —
Size of Audit Committee 5.00 6.00 7.00 8.00
Number of Independent Directors on Audit — — — —
Audit Committee Meetings 8.00 11.00 9.00 10.00
Audit Committee Meeting Attendance Perce 64.86 71.83 71.42 62.67
Board Composition
Company Conducts Board Evaluations n/a n/a n/a n/a
Board Size 13.00 10.00 14.00 16.00
Number of Executives / Company Managers 13.00 14.00 12.00 14.00
Number of Non Executive Directors on Boar 10.00 8.00 10.00 11.00
Number of Board Meetings for the Year 10.00 10.00 12.00 13.00
Board Meeting Attendance Pct 81.39 86.21 85.44 78.65
Compensation
Company Has Executive Share Ownership G n/a n/a n/a n/a
Director Share Ownership Guidelines n/a n/a n/a n/a
Size of Compensation Committee 4.00 4.00 4.00 4.00
Num of Independent Directors on Compensa — — — —
Number of Compensation Committee Meeti — — — —
Compensation Committee Meeting Attenda — — — —
Diversity
Number of Female Executives 0.00 1.00 2.00 1.00
Number of Women on Board 2.00 1.00 0.00 0.00
Independence
Number of Independent Directors — — — —
Nominations & Governance Oversight

Size of Nomination Committee — — — —
Num of Independent Directors on Nominati — — — —
Number of Nomination Committee Meetings — — 1.00 1.00
Nomination Committee Meeting Attendance — — — —
Sustainability Governance
Verification Type No No No No
Employee CSR Training No No No No
Tenure
Board Duration (Years) — — — —
FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020
03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019 03/31/2020
No No Yes Yes Yes Yes Yes

n/a n/a n/a n/a n/a n/a n/a
No No No No No No Yes
No No No No No No No
— — — — — 0.4 0.4
— — — — — 1,163.4 1,066.4
— — — — — 157.4 257.9
— — — — — — —
Yes Yes Yes Yes Yes Yes Yes

— — — — — 1,638.2 1,527.9
— — — — — — 60.8
— — — 1,421.6 1,561.0 1,418.7 1,284.8
— — — — — — 60.8
— — — — — 21.5 23.8

— — — — — — —
— — — — — — —
No No No No No No Yes

— — — — — — —
— — — — — — —
No No No Yes Yes Yes Yes

Yes Yes Yes Yes Yes No No
n/a No Yes Yes Yes No No
n/a No No Yes Yes Yes Yes
1,489.3 1,158.0 1,439.2 898.2 929.6 488.1 150.9
— 1,634,040.00 1,222,250.00 1,468,470.00 2,159,700.00 4,221,490.00 3,808,400.00
No Yes Yes Yes Yes Yes Yes

n/a No No No No No No
20.32 21.00 21.46 23.00 24.00 24.34 25.28
— — — — — — 54.38
— 27.80 26.06 26.21 26.27 26.37 26.12
1.17 1.26 1.39 1.51 1.63 1.70 1.83
— — — — — — —


— — — — — — —
— — — — — — —
— — — — — — —

222,033.00 213,238.00 207,739.00 209,567.00 264,041.00 257,252.00 249,448.00
— — — — — — —
— — — — — — 94.45
— 189,321.00 — 94,385.00 ### ### ###

1.00 2.00 1.00 2.00 3.00 1.00 2.00
8.00 8.00 6.00 7.00 7.00 8.00 8.00
— 3.00 — — 3.00 4.00 3.00
10.00 11.00 11.00 13.00 13.00 11.00 13.00
75.00 81.17 66.25 69.15 71.71 73.80 71.81
n/a No Yes Yes Yes Yes Yes

18.00 15.00 14.00 12.00 12.00 14.00 14.00
14.00 16.00 17.00 19.00 19.00 17.00 19.00
12.00 10.00 9.00 7.00 8.00 9.00 9.00
12.00 12.00 12.00 15.00 13.00 15.00 16.00
79.69 75.97 73.78 79.89 79.01 77.33 86.69
4.00 4.00 4.00 4.00 4.00 4.00 4.00
— 2.00 — — 2.00 2.00 3.00
— — — — — — —
— — — — — — —
3.00 3.00 3.00 3.00 2.00 2.00 0.00

1.00 1.00 2.00 2.00 1.00 2.00 1.00
— 4.00 — — 6.00 7.00 5.00
— 3.00 3.00 3.00 3.00 3.00 4.00

— 3.00 3.00 3.00 2.00 3.00 3.00
0.00 1.00 — — — — —
— — — — — — —
3.00 3.00 3.00 3.00 3.00 3.00 3.00

FY 2021 FY 2022 FY 2023 FY 2024
03/31/2021 03/31/2022 03/31/2023 03/31/2024
Yes Yes Yes Yes

n/a No No No
Yes Yes Yes Yes
No Yes No n/a
No No No Yes
0.6 0.5 217.3 147.2
1,169.2 1,144.6 742.7 622.7
194.6 200.4 46.3 41.5
1.00 1.00 1.00 —
Yes Yes Yes Yes

1,462.1 1,672.4 1,205.5 1,101.5
— 53.5 20.6 74.6
1,408.6 1,448.9 972.5 876.8
53.5 53.5 0.8 —
21.5 21.9 23.3 —
Yes Yes Yes Yes

— 0.2 1.5 6.7
— 0.1 0.4 1.9
Yes Yes Yes Yes
Yes Yes Yes Yes

— 537.1 2,960.4 2,796.2
— 537.1 2,960.4 2,796.2
Yes Yes Yes Yes
No No No n/a
No No No n/a
No Yes Yes n/a
No Yes Yes n/a
Yes Yes Yes Yes

No Yes Yes Yes
Yes Yes Yes Yes
Yes Yes Yes Yes
1,450.0 2,039.7 3,170.0 5,020.0
3,131,510.00 3,452,780.00 3,863,080.00 3,233,560.00
Yes Yes Yes Yes

No Yes Yes Yes
25.92 26.55 26.78 27.00
28.29 30.64 46.43 49.90
49.73 26.00 26.27 28.12
1.90 2.09 2.20 2.35
— 8.48 10.10 4.91
Yes Yes Yes Yes

Yes Yes Yes Yes
Yes Yes Yes Yes

— — 0.00 1.00
— — 0.00 0.00
— — 0.00 4.30
Yes Yes Yes Yes

No No No n/a
245,652.00 244,250.00 235,858.00 232,296.00
6.01 5.96 4.72 4.07
92.41 94.87 96.17 96.89
### ### ### ###
No No No Yes
Yes Yes Yes Yes

1.00 2.00 3.00 4.00
8.00 5.00 5.00 5.00
3.00 4.00 4.00 4.00
12.00 12.00 12.00 12.00
83.65 68.75 78.33 81.66
Yes Yes Yes Yes

13.00 13.00 12.00 13.00
21.00 21.00 22.00 22.00
8.00 8.00 7.00 8.00
14.00 13.00 15.00 15.00
94.50 91.22 85.78 87.30
No No No No
No No No No
5.00 5.00 4.00 4.00
5.00 4.00 4.00 4.00
2.00 1.00 1.00 3.00
88.88 80.00 100.00 100.00
1.00 1.00 3.00 4.00

0.00 0.00 0.00 1.00
5.00 5.00 5.00 6.00
5.00 5.00 4.00 4.00

5.00 4.00 4.00 4.00
2.00 1.00 1.00 3.00
88.88 80.00 100.00 100.00
Yes Yes Yes Yes

No No No n/a
3.00 3.00 3.00 3.00

State Bank of India (SBIN IN) - ESG Ratios
12 Months Ending 03/31/2002 03/31/2003 03/31/2004 03/31/2005
Disclosure Scores
Greenhouse Gases
GHG Intensity per Sales — — — —
GHG Scope 1 Intensity per Sales — — — —
GHG Scope 2 Intensity per Sales — — — —
GHG/CO2 Intensity / Net Fixed Assets — — — —
GHG Intensity per Energy — — — —
GHG Intensity per Employee — — — —
GHG Intensity per Assets — — — —
Scope 3 GHG per Employee — — — —
Carbon Dioxide
Travel Emissions per Sales — — — —
Travel Emissions per Employee — — — —
Energy
Energy Intensity per Sales — — — —
Energy Intensity per Employee — — — —
Energy Intensity per Assets — — — —
Water
Water Intensity per Sales — — — —
Water Intensity per Energy — — — —
Water Intensity per Employee — — — —
Water Intensity per Assets — — — —
Waste
Waste Generated per Assets — — — —
Waste Generated per Sales — — — —
Other Environmental
Paper Consumption per Sales — — — —
Paper Consumption per Employee — — — —
Social
Community Spend % PTP — — — —
Community Spend%Equity — — — —
Actual Net Income per Employee 160,103.83 200,911.73 267,152.59 484,540.80
Actual Cash Flow per Employee 667,561.49 449,014.61 717,803.76 679,963.32
Actual Personnel Expenses per Employee 301,498.10 333,202.81 404,646.88 420,064.00
Governance
Percentage of Non-Executive Directors on — — — —
Pct Independent Directors — — — —
% Women on Board — — — —
Percentage of Female Executives — — — —
Board Meeting Attendance Pct — — — —
Independent Directors Board Meeting Atte — — — —
Pct of Independent Directors on Audit Comm — — — —
Audit Committee Meeting Attendance Perce — — — —
Pct of Ind Directors on Compensation Comm — — — —
Compensation Committee Meeting Attenda — — — —
Pct of Ind Directors on Nomination Committ — — — —
FY 2006 FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012
03/31/2006 03/31/2007 03/31/2008 03/31/2009 03/31/2010 03/31/2011 03/31/2012
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — 0.11 0.14 0.29

— — — — 0.02 0.03 0.06
278,201.52 388,043.73 500,020.27 532,078.65 585,815.82 479,289.71 712,039.56
600,206.80 284,606.00 571,389.68 -2,535,919.75 -75,544.47 1,766,565.60 -1,471,847.76
541,509.31 571,636.85 583,550.11 631,250.44 815,334.30 896,214.41 1,024,871.21
— — — — 76.92 80.00 71.43
— — — — — — —
— — — — 15.39 10.00 0.00
— — — — 0.00 7.14 16.67
— — — — 81.39 86.21 85.44
— — — — — — —
— — — — — — —
— — — — 64.86 71.83 71.42
— — — — — — —
— — — — — — —
— — — — — — —
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
03/31/2013 03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019
— — — — 0.39 0.43 0.35

— — — — — — 0.00
— — — — — — 0.35
— — — — 2.29 3.11 2.86
— — — — — — 710.43
— — — — 5.56 4.85 4.52
— — — — 0.03 0.04 0.03
— — — — — — 0.61
— — — — — — 0.01
— — — — — — 0.14
— — — — — — 0.49
— — — — — — 6.37
— — — — — — 0.04
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
— — — — — — —
0.48 0.70 0.44 0.79 9.51 — 0.94

0.10 0.10 0.07 0.08 0.04 0.04 0.02
784,780.77 638,363.44 796,963.92 588,459.32 11,510.72 -217,414.48 89,392.47
437,589.04 -252,656.88 -3,349,416.88 1,287,585.46 -8,875,258.47 -3,993,666.76 5,177,555.38
1,068,835.67 1,345,221.63 1,459,290.26 1,565,695.33 1,703,052.17 1,689,704.09 1,702,416.86
68.75 66.67 66.67 64.29 58.33 66.67 64.29
— — 26.67 — — 50.00 50.00
0.00 5.56 6.67 14.29 16.67 8.33 14.29
7.14 21.43 18.75 17.65 15.79 10.53 11.77
78.65 79.69 75.97 73.78 79.89 79.01 77.33
— — 94.59 — — 81.25 71.84
— — 37.50 — — 42.86 50.00
62.67 75.00 81.17 66.25 69.15 71.71 73.80
— — 50.00 — — 50.00 50.00
— — — — — — —
— — 100.00 100.00 100.00 66.67 100.00
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024
0.29 0.31 0.28 0.20 0.13

0.00 0.00 0.00 0.05 0.02
0.29 0.31 0.28 0.16 0.10
2.66 2.91 2.90 2.16 1.72
698.22 800.01 684.78 796.35 699.00
4.28 4.76 4.69 4.07 3.31
0.03 0.02 0.02 0.02 0.01
1.03 0.79 0.82 0.20 0.18
0.01 0.01 0.01 0.01 —

0.16 0.08 0.11 0.19 —
0.42 0.38 0.41 0.26 0.19

6.13 5.95 6.85 5.11 4.74
0.04 0.03 0.03 0.02 0.02
— — 0.14 0.63 0.47

— — 326.36 2,455.72 2,538.62
— — 2.23 12.55 12.04
— — 0.01 0.05 0.04
— — 0.00 0.00 0.00

— — 0.00 0.00 0.00
0.01 — — — —
0.07 — — — —
0.05 0.44 0.41 0.42 0.55

0.01 0.05 0.06 0.09 0.12
792,461.84 912,081.22 1,448,265.29 2,359,393.06 2,887,895.88
-4,745,276.00 -7,947,341.48 -428,635.07 474,542.23 561,729.42
1,958,361.92 2,211,698.90 2,515,665.36 2,625,347.08 3,601,921.11
64.29 61.54 61.54 58.33 61.54
35.71 38.46 38.46 41.67 46.15
7.14 0.00 0.00 0.00 7.69
0.00 4.76 4.76 13.64 18.18
86.69 94.50 91.22 85.78 87.30
78.15 100.00 90.90 92.38 90.12
37.50 37.50 80.00 80.00 80.00
71.81 83.65 68.75 78.33 81.66
75.00 100.00 80.00 100.00 100.00
— 88.88 80.00 100.00 100.00
75.00 100.00 80.00 100.00 100.00
State Bank of India (SBIN IN) - Common Size
12 Months Ending 03/31/2002 03/31/2003 03/31/2004 03/31/2005
Total Assets 4,489,793.8 4,977,560.2 5,509,844.0 6,285,775.7
Total Assets
+ Cash & Cash Equivalents 6.1 3.8 4.8 4.1
+ Interbanking Assets 10.4 6.9 5.1 4.1
+ Other Interbank Assets — — — —
+ ST And LT Investments 41.3 45.4 45.2 41.6
+ Real Estate Investments — — — —
+ Other Investments — — — —
+ Total Commercial Loans 35.3 13.4 21.6 23.7
+ Credit Card Loans — — — —
+ Other Loans 1.7 13.7 18.3 21.8
+ Total Loans 37.0 39.5 41.1 46.6
- Reserve for Loan Losses — 1.2 1.2 1.0
+ Net Loans 37.0 38.3 39.9 45.6
+ Net Fixed Assets 0.7 0.6 0.6 0.6
+ Property, Plant & Equip — — — —
+ Total Intangible Assets 0.0 0.0 0.0 0.0
+ Goodwill 0.0 0.0 0.0 0.0
+ Other Intangible Assets 0.0 0.0 0.0 0.0
+ Investments in Associates 0.0 0.0 0.0 0.0
+ Total Deferred Tax Assets — — — —
+ Customer Acceptances & Liab — — — —
+ Other Assets 4.5 4.9 4.4 4.0
Total Assets 100.0 100.0 100.0 100.0
Liabilities & Shareholders' Equity

+ Demand Deposits 10.0 9.7 9.9 9.8
+ Interest Bearing Deposits 64.8 66.1 65.9 68.2
+ Saving Deposits 16.7 17.7 19.4 20.1
+ Time Deposits 48.1 48.4 46.5 48.1
+ Other Deposits 0.0 — — —
+ Total Deposits 74.9 75.8 75.8 78.0
+ ST Borrowings & Repos 5.8 5.2 5.2 3.2
+ Secs Sold Under Repo — — — —
+ ST Lease Liabilities — — — —
+ ST Finance Leases — — — —
+ ST Borrowings — — — —
+ LT Debt 3.9 3.8 4.5 4.8
+ LT Lease Liabilities — — — —
+ LT Finance Leases — — — —
+ LT Borrowings — — — —
+ Pension Liabilities — — — —
+ Pensions — — — —
+ Other Post-Ret Benefits — — — —
+ Total Deferred Tax Liabilities — — — —
+ Other Liabilities 10.9 10.5 9.3 8.6
Total Liabilities 95.5 95.3 94.8 94.6
+ Preferred Equity and Hybrid Capital 0.0 0.0 0.0 0.0
+ Share Capital & APIC 3.5 3.5 3.3 3.4
+ Common Stock — — — —
+ Additional Paid in Capital — — — —
- Treasury Stock 0.0 0.0 0.0 0.0
+ Retained Earnings 2.6 2.6 2.6 2.7
+ Other Equity -1.8 -1.6 -1.0 -1.0
Equity before Minority Interest 4.3 4.5 5.0 5.2
+ Minority/Non Controlling Interest 0.1 0.2 0.2 0.2
Total Equity 4.5 4.7 5.2 5.4
Total Liabilities & Equity 100.0 100.0 100.0 100.0
Reference Items
Shares Outstanding 0.1 0.1 0.1 0.1
Number of Treasury Shares 0.0 0.0 0.0 0.0
Pension Obligations — — — —
Future Minimum Operating Lease Obligation — — — —
Total Capital Leases — — — —
Percent Of Foreign Ownership 0.0 0.0 0.0 0.0
Number Of Shareholders 711,000.0 675,000.0 570,000.0 525,000.0
Options Granted During Period — — — —
Options Outstanding at Period End — — — —
Tier 1 Capital Ratio 0.0 0.0 0.0 0.0
Leverage Ratio - Tangible Capital Ratio — — — —
Net Debt -6.7 -1.7 -0.2 -0.1
Tangible Common Equity Ratio 0.0 0.0 0.0 0.0
Tangible Common Equity to Risk-Weighted — — — —
Total Risk-Based Capital Ratio 0.0 0.0 0.0 0.0
Real Estate Loans — — — —
Other Loans 1.7 13.7 18.3 21.8
Earning Assets 88.7 91.8 91.3 92.3
Non-Performing Assets 1.5 2.7 2.3 2.0
Off-Balance Sheet Commitments 28.1 28.2 27.8 32.1
Number of Employees 209,462.0 208,998.0 207,039.0 205,515.0
FY 2006 FY 2007 FY 2008 FY 2009 FY 2010 FY 2011 FY 2012
03/31/2006 03/31/2007 03/31/2008 03/31/2009 03/31/2010 03/31/2011 03/31/2012
6,968,324.2 8,151,744.1 10,272,695.2 13,048,257.4 14,501,439.7 16,478,982.5 18,299,561.7
4.5 5.5 7.3 5.7 5.7 7.2 4.3

3.8 4.1 1.7 3.9 2.7 2.2 2.6
— — — 3.9 2.7 2.2 2.6
32.6 26.5 26.6 28.4 27.7 25.4 25.1
0.0 — — — — — —
— — — 28.4 27.7 25.4 25.1
26.9 26.5 26.7 — — — —
— — — — — — —
26.8 32.5 31.7 — — — —
54.4 59.6 59.1 58.1 60.7 62.0 65.2
0.7 0.6 0.7 0.6 0.8 1.0 1.6
53.7 59.0 58.4 57.5 60.0 61.1 63.6
0.6 0.5 0.5 0.4 0.4 0.4 0.4
— — — 0.4 0.4 0.4 0.4
0.0 0.0 0.0 0.0 0.1 0.0 0.0
0.0 0.0 0.0 0.0 0.1 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.1 0.1 0.1 0.1 0.1 0.1 0.1
— — — 0.2 0.2 0.1 0.0
0.0 — — 0.0 0.0 0.0 0.0
4.8 4.3 5.5 3.8 3.2 3.5 3.8
100.0 100.0 100.0 100.0 100.0 100.0 100.0
11.0 10.6 10.2 9.2 9.3 8.7 6.1

65.2 65.2 63.2 66.5 65.7 65.9 69.8
21.6 21.2 20.0 19.7 22.8 24.9 25.0
43.6 44.1 43.3 46.8 42.9 41.1 44.8
0.0 0.0 0.0 0.0 0.0 0.0 0.0
76.1 75.9 73.5 75.6 75.0 74.7 75.9
4.3 4.6 3.8 3.8 3.8 3.1 2.8
0.0 — — — — — —
— — — 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
— — — 3.8 3.8 3.1 2.8
6.1 6.6 7.1 4.9 8.4 8.6 8.6
— — — 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
— — — 4.9 8.4 8.6 8.6
— — — — — — —
— — — — — — —
— — — — — — —
— — — 0.0 0.0 0.0 0.0
8.0 7.5 9.4 9.9 6.9 8.3 6.7
94.5 94.6 93.8 94.3 94.1 94.8 94.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
3.6 3.5 5.0 1.6 1.5 1.3 1.6
— — — 0.0 0.0 0.0 0.0
— — — 1.6 1.4 1.3 1.6
0.0 0.0 0.0 0.0 0.0 0.0 0.0
3.0 3.0 3.0 2.8 3.0 2.4 2.4
-1.2 -1.4 -2.0 1.1 1.3 1.4 1.8
5.3 5.2 6.0 5.5 5.7 5.1 5.8
0.2 0.2 0.2 0.2 0.2 0.2 0.2
5.5 5.4 6.2 5.7 5.9 5.2 6.0
100.0 100.0 100.0 100.0 100.0 100.0 100.0

0.1 0.1 0.1 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
520,667.0 526,782.0 638,704.0 781,263.0 729,737.0 728,729.0 857,854.0
— — — — — — —
— — — — — — —
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 — — — — — —
2.1 1.5 1.9 -0.9 3.8 2.4 4.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0
— — — 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
4.0 4.9 5.3 — — — —
26.8 32.5 31.7 — — — —
90.8 90.2 87.3 90.5 118.9 115.0 92.9
1.5 1.2 1.5 1.4 1.7 1.9 2.7
42.1 48.0 0.9 0.0 0.0 0.0 0.0
198,774.0 185,388.0 179,205.0 205,896.0 200,299.0 222,933.0 215,481.0
FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019
03/31/2013 03/31/2014 03/31/2015 03/31/2016 03/31/2017 03/31/2018 03/31/2019
21,331,085.7 23,959,816.1 27,001,100.2 30,734,831.5 34,451,215.6 36,164,330.0 38,884,642.0
4.2 4.8 5.3 5.2 4.7 4.2 4.6

2.6 2.2 2.4 1.4 3.3 1.2 1.2
2.6 2.2 2.4 1.4 3.3 1.2 1.2
24.3 24.1 25.7 26.2 29.7 32.6 28.7
— — — — — — —
24.3 24.1 25.7 26.2 29.7 32.6 28.7
— — — — — — —
— — 0.0 — — — —
— — — — — — —
66.9 67.5 64.0 — — — —
1.7 1.6 1.4 — — — —
65.3 65.9 62.7 60.9 55.1 54.2 57.3
0.4 0.4 0.5 0.5 1.5 1.1 1.0
0.4 0.4 0.5 0.5 1.5 1.1 1.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.1 0.1 0.1 0.1 0.1 0.1 0.1
0.0 0.0 0.0 0.0 0.1 0.3 0.3
0.0 0.0 0.0 0.0 0.0 0.0 0.0
3.1 2.5 3.3 5.7 5.5 6.2 6.8
100.0 100.0 100.0 100.0 100.0 100.0 100.0
6.0 5.6 5.7 5.3 5.5 5.3 5.3

68.5 69.4 70.4 67.5 70.0 70.0 70.3
24.7 25.1 24.3 24.2 27.5 28.2 28.3
43.8 44.3 46.1 43.2 42.5 41.8 41.9
0.0 0.0 0.0 0.0 0.0 0.0 0.0
74.5 75.0 76.0 72.8 75.5 75.3 75.6
2.9 2.8 0.9 1.3 0.9 0.7 0.6
— — — — — — —
0.0 0.0 — 0.0 0.0 0.0 0.0
0.0 0.0 — 0.0 0.0 0.0 0.0
2.9 2.8 0.9 1.3 0.9 0.7 0.6
9.6 9.3 9.1 11.8 9.8 10.2 10.6
0.0 0.0 — 0.0 0.0 0.0 0.0
0.0 0.0 — 0.0 0.0 0.0 0.0
9.5 9.3 9.1 11.8 9.8 10.2 10.6
— — — — — 0.0 0.0
— — — — — 0.0 0.0
— — — — — 0.0 0.0
0.0 0.1 0.1 0.1 0.1 0.0 0.0
6.9 6.4 7.7 8.0 7.3 7.3 6.9
93.9 93.6 93.8 93.9 93.5 93.5 93.8
0.0 0.0 0.0 0.0 0.0 0.0 0.0
1.5 1.8 1.6 1.6 1.6 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
1.5 1.7 1.5 1.6 1.6 — —
0.0 0.0 0.0 0.0 0.0 0.0 0.0
2.4 2.3 2.2 2.1 1.8 1.5 1.5
2.0 2.1 2.2 2.1 2.9 4.8 4.5
5.9 6.2 6.0 5.9 6.3 6.4 6.0
0.2 0.2 0.2 0.2 0.2 0.1 0.2
6.1 6.4 6.2 6.1 6.5 6.5 6.2
100.0 100.0 100.0 100.0 100.0 100.0 100.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.1 0.1 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 — — — 0.0 0.0 0.0
806,721.0 — — — 1,563,380.0 1,618,856.0 1,504,373.0
0.0 0.0 0.0 0.0 0.0 — —
0.0 0.0 0.0 0.0 0.0 — —
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
— — — — 0.0 0.0 0.0
5.6 5.1 2.3 6.4 2.7 5.5 5.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0
— — — — — — —
— — — — — — —
93.8 93.8 92.1 88.5 88.1 88.1 87.2
3.0 3.4 2.8 4.0 5.2 6.2 4.5
0.0 0.0 0.0 0.1 0.1 0.0 0.0
228,296.0 222,033.0 213,238.0 207,739.0 209,572.0 209,567.0 257,252.0
FY 2020 FY 2021 FY 2022 FY 2023 FY 2024
03/31/2020 03/31/2021 03/31/2022 03/31/2023 03/31/2024
41,974,923.4 48,456,185.5 53,608,835.3 59,544,183.2 67,337,788.0
4.0 4.4 4.8 4.2 3.3

2.1 2.8 2.6 1.2 1.5
2.1 2.8 2.6 1.2 1.5
29.0 32.6 32.9 31.9 31.1
— — — — —
29.0 32.6 32.9 31.9 31.1
— — — — —
— — — — —
— — — — —
— — — — —
— — — — —
56.6 51.6 52.1 54.9 56.2
1.0 0.8 0.7 0.7 0.7
1.0 0.8 0.7 0.7 0.7
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.3 0.3 0.3 0.3 0.3
0.1 0.1 0.1 0.2 0.2
0.0 0.0 0.0 0.0 0.0
7.0 7.3 6.4 6.7 6.7
100.0 100.0 100.0 100.0 100.0
5.5 6.0 5.2 5.1 4.6

72.5 70.7 71.0 69.9 69.2
29.0 28.8 28.7 26.9 24.9
43.5 41.9 42.3 43.0 44.3
0.0 0.0 0.0 0.0 0.0
78.0 76.7 76.2 75.0 73.8
0.6 0.4 0.6 0.5 0.2
— — — — —
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.6 0.4 0.6 0.5 0.2
7.9 9.0 8.4 8.8 9.5
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
7.9 8.9 8.4 8.7 9.5
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
7.3 8.1 8.8 9.5 10.1
93.8 94.1 94.1 93.8 93.6
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 1.3 1.2
0.0 0.0 0.0 0.0 0.0
— — — 1.3 1.2
0.0 0.0 0.0 0.0 0.0
1.7 1.8 2.0 2.4 2.9
4.3 3.9 3.7 2.3 2.1
6.0 5.7 5.7 6.0 6.2
0.2 0.2 0.2 0.2 0.2
6.2 5.9 5.9 6.2 6.4
100.0 100.0 100.0 100.0 100.0

0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
2,525,912.0 2,787,479.0 2,982,372.0 3,115,804.0 3,284,915.0
— — — — —
— — — — —
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
2.5 2.1 1.6 3.9 4.9
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
0.0 0.0 0.0 0.0 0.0
— — — — —
— — — — —
87.6 87.0 87.6 87.9 88.8
3.6 2.6 2.1 1.5 1.3
0.0 0.0 0.0 0.0 0.0
249,448.0 245,652.0 244,250.0 235,858.0 232,296.0

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State Bank of India (SBIN IN) - Adj Highlights

In Millions of INR FY 2002 FY 2003 FY 2004 FY 2005 FY 2006

Net Revenue, Adj 185,539.5 219,881.2 270,137.9 295,868.6 329,627.0

Tier 1 Common Eqty % — — — — —

341,926.9 420,261.3 491,317.1 683,649.3 787,939.9 867,412.5 947,325.8

1,046,354.9 1,248,252.2 1,301,138.7 1,478,476.3 1,528,985.8 1,754,582.6 2,062,870.8

9.21 9.13 9.67 9.92 9.86 9.78 10.05

2,265,350.7 2,473,233.7 2,819,424.8 3,354,681.7 3,498,579.3

10.33 10.26 10.59 10.57 9.95

Net Income Avail to Common, Adj 33,535.7 41,990.1 55,311.0 99,580.4

Basic Weighted Avg Shares 5,578.7 5,578.7 5,578.7 5,578.7

Diluted Weighted Avg Shares 5,578.7 5,578.7 5,578.7 5,578.7

55,299.2 71,938.7 89,606.1 112,026.8 117,404.0 110,170.4 153,748.6

5,578.7 5,578.7 5,632.6 6,344.1 6,348.8 6,349.5 6,352.0

5,578.7 5,578.7 5,637.7 6,344.1 6,348.8 6,349.5 6,352.0

IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

179,429.9 142,043.0 170,278.3 122,383.6 2,719.0 -45,347.8 23,222.9

6,714.7 6,947.8 7,465.7 7,665.6 7,803.8 8,533.1 8,924.6

6,714.7 6,947.8 7,466.0 7,665.6 7,803.8 8,533.1 8,924.6

IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

197,876.4 224,252.9 353,853.6 556,684.9 671,023.1 765,260.1

8,924.6 8,924.6 8,924.6 8,924.6 8,924.6 8,924.6

8,924.6 8,924.6 8,924.6 8,924.6 8,924.6 8,924.6

IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

Liabilities & Shareholders' Equity

311,287.9 450,661.0 748,172.6 741,610.7 821,955.8 1,193,498.3 791,992.1

764,777.2 866,085.5 1,051,653.5 1,194,878.8 1,344,489.6 1,441,775.1 1,113,578.3

IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

895,740.3 1,140,956.0 1,442,875.5 1,604,245.7 1,610,186.1 1,507,694.6 1,773,627.4

1,277,934.9 1,339,901.9 1,530,654.0 1,639,389.1 1,888,827.1 1,910,362.7 2,077,953.3

IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

1,669,684.6 2,134,986.2 2,580,864.3 2,473,210.5 2,253,563.4

2,294,283.1 2,892,780.6 2,797,314.0 3,057,333.5 3,092,775.8

IN GAAP IN GAAP IN GAAP IN GAAP IN GAAP

Cash from Investing Activities

Effect of Foreign Exchange Rates — — — —

Net Changes in Cash 32,515.4 -181,976.4 -14,046.3 57,607.9

Cash Paid for Taxes 22,596.5 31,185.6 40,826.2 26,688.9

55,299.2 71,938.7 89,606.1 109,552.9 117,338.3 106,849.5 153,431.0

-15,166.2 -9,806.0 -16,910.4 -14,893.6 -21,219.3 -18,742.4 -23,397.5

— — — 21,934.8 -4,182.1 -320.9 24,879.2

63,794.8 151,403.4 165,515.5 362,332.8 -134,078.2 434,735.8 -277,366.3

17,298.4 54,339.5 57,598.1 77,648.1 84,444.3 76,722.1 107,180.5

284,403.3 291,078.1 351,224.3 -468,010.2 135,459.4 579,230.7 -189,270.2

179,162.3 141,737.8 169,943.0 122,246.0 2,412.3 -45,562.9 22,996.4

-35,714.3 -31,785.2 -34,522.9 -37,756.1 -44,237.1 66,018.3 -30,055.1

13,818.8 30,972.4 60.1 9,218.4 -17,397.1 19,869.3 10,762.9

176,369.0 219,336.2 213,197.0 160,784.2 686,376.9 -779,080.5 302,231.6

44,423.7 126,013.1 75,173.7 94,984.3 13,779.3 80,104.2 81,752.3

519,373.4 108,963.0 -539,708.3 243,130.5 -1,980,102.5 -937,651.6 1,293,434.7

197,678.0 224,054.6 353,738.8 556,481.7 670,846.7 715,560.1

-30,650.1 -38,280.2 -30,509.2 -40,436.3 -41,751.3

27,686.4 664.0 9,662.7 30,750.5 7,759.6

288,030.0 933,917.7 511,980.9 -805,932.1 82,603.9

148,594.9 38,194.9 90,243.0 173,237.2 312,682.7

-1,178,472.4 -1,935,918.3 -99,646.3 245,569.2 88,736.2

Fixed Assets 1.08 12.85 1.22 10.71

Cash From Operations -32.89 58.36 -5.97 -14.62

Fixed Assets 1.08 12.85 1.22 10.71