Annual Results FY 09 · Business highlights (2/3) Total stand-alone business growth of Rs 330,899 crore in FY 09, including international business growth of Rs 39,385 crore – Deposits

Annual Results FY 09

Business highlights (1/3)

▪ SBI stand-alone net profit crosses Rs. 9,121 crore

– For FY 09,

▫ Net Profit for FY 09 increased to Rs 9,121 crore, up by 35.55% as compared to Rs 6,729 crore in FY 08

– For Q4 FY 09,

▫ Net Profit for Q4 FY 09 increased to Rs. 2,742 crore, up by 46% as compared to Rs 1,883 crore in Q4 FY 08

Business highlights (2/3)

▪ Total stand-alone business growth of Rs 330,899 crore in FY 09, including international business growth of Rs 39,385 crore

– Deposits up by Rs 204,669 crore, y-o-y growth of 38.08%

▫ Strong CASA growth at 23%, market share in demand liabilities up by 367 bps to 17.53% from 13.86%

▫ TD growth of 41%, giving ample resources for lending in FY 10

– Advances up by Rs 126,231 crore, y-o-y growth of 29.89%

▫ Large corporate book up by 47%, Mid corporate by 23%, SME by 26% and International advances up by 54% y-o-y

▫ Became the single largest retail lender in India: Education Loanup by 50%, Auto loans up by 36%, Housing loan portfolio up by 21%;

Business highlights (3/3)

▪ Cost income ratio declines by 241 bps to 46.62% for FY 09

– New operating architecture enabling rapid and cost-effective growth; Nearly 800 new branches added during the year; branch network crosses 11,500, including 92 offices overseas

▪ NPAs remain under control

– Gross NPAs down from 3.04% to 2.84%;

– Net NPAs down from 1.78% to 1.76%

223,627

298,962

522,589

FY 08

273,396

422,944

696,340

FY 09

CASA

Term

+33%

57 61

43 39

FY 08 FY 09

CASA

Term

33.0%

22.3%

41.5%

Growth

237,307

411,476 422,944

696,340648,783

Dec 08 Mar 09

CASA

Term

+7%

273,396

63 61

37 39

Dec 08 Mar 09

CASA

Term

7.3%

15.2%

2.8%

Growth

Domestic deposits* (percent)

Industry Growth Rate 19.81%

Quarter 4, FY 09 Growth FY 09 vs FY 08

High cost TD growth controlled in Q4

Domestic deposits* (percent)

Substantial domestic deposit volume growth of 33% y-o-y

* Excluding Inter Bank

Including international and inter-bank deposits, overall deposits have grown by 38.08% y-o-y

Growth in bulk deposits is only 6%; Percentage of bulk deposits has decreased by 332 bps

Bulk Deposits (domestic)

Total bulk deposits (DIR)Rs crore

+6%75,927

Mar 08

80,614

Mar 09

Bulk deposits (DIR) as a percentage of total depositsPercent

10.81

14.13

Mar 08 Mar 09

332 bp

•FY 08 to FY 09, Interest expense on deposits increased by 40.13 %

•Q4 FY 08 to Q4 FY 09, Interest expense on deposits increased by 53.47%

231 bp increase in share of total domestic deposits; Low cost deposit share up by 367 bp

Market share (domestic)

Total depositsPercent

17.7215.41

Mar 08 Mar 09

231 bp

Low cost deposits*Percent

17.53

13.86

Mar 08 Mar 09

367 bp

492,721 678,658 91,17369,880

* Low cost deposits as per RBI definition of CA + 10%SA

As on last reporting Friday of the year

Overall advances have grown by 29.9%, led by international book growth of 53.4%

Industry Growth Rate 17.30%

Domestic

+30%

56,196

366,135

422,331

FY 08

86,267

462,273

548,540

FY 09

International

29.9%

53.4%

26.3%

Growth

FY 09 vs FY 08

Rs crore

Industry Growth Rate 17.30%

19.7%

5.5%

Quarter 4, FY 09 Growth

72,078

438,201

510,279

Dec 08

86,267

462,273

548,540

Mar 09

International

Domestic

+8%

7.5%

GrowthRs crore

▪ FY 08 to FY 09, Interest income from advances has increased by 31.51% from Rs. 35,228 crore to Rs. 46,328 crores

▪ Q4 FY 09 advances have grown at a faster rate (7.5%) as compared to the deposit growth rate for the same period (7.1%)

Market share in advances has increased by 83 bps;Growth higher than market in every quarter

Advances Growth for the period ended YoY

Percent

25.9223.69

28.5231.0530.62

Mar 09

ASCB

SBI

Jun 08

24.78

Sep 08

23.08

Dec 08

17.28

Market share (Domestic)

Percent

16.03

15.20

Mar 08 Mar 09

+83 bps

As on last reporting Friday of the year/quarter

Challenges for the next year

▪ Absorbing the 33,703 new hires of FY 09 and the 13,000 planned hires in FY 10 into the SBI system– Deployment across various businesses– Driving productivity

▪ Stress in certain sectors of the economy– Potential NPAs arising in real estate and the SME sectors

▪ Containing overheads– Keep C/I ratio in control, while at the same time driving branch and

ATM network expansion

▪ Capital requirements– Need to raise additional capital for funding balance sheet growth, as

well as for subsidiaries and acquisitions– Aim to maintain 13% CAR (9% Tier I and 4% Tier II)

▪ Leadership development– Need to groom leaders for the future at all levels

Business Enablers

– 33,703 staff recruited in FY 09; Of this 29,021 joined in FY 09

– ATM network expansion continued during the year; Network grew to 8,581 ATMs at the end of FY 09 (11,404 for SBI group)

– 24x7 Contact center started; Customers can use the toll-free number

– Mobile banking launched in all metro, urban and semi-urban branches

– Transactions on Internet banking platform up by 279%

Loan book is well diversified:

2

16

19

10

Agri

Retail

International

Interbank/Others

32

Large andmid corporate

21

SME advances

Percent

26

777

8

12

14 19

Others

Food processing

InfrastructureBasic Metal andmetal products

Textiles

Petroleum, Coal Products

Chemicals and chemical products

All Engineering

Share of international advances has grown from

10% in FY 06 to 16% in FY 09

- Across segments- Even within corporates, advances are spread across

many sectors

Segment-wise advances growth (1/3)

Large corporate

▪ Iron, Steel, Petroleum, Telecom and Infrastructure are the main drivers of growth

▪ SBI is World No. 1 in the mandated arranger ranking in Q4 FY 09 (Source: Dealogic)

▪ Average yields have increased to 9.67% in FY 09 from 8.28% in FY 08

46,707

FY 08

68,866

FY 09

+47%

Rs crore

Mid corporate

FY 08

102,052

FY 09

125,951+23% ▪ Sectors contributing to growth are

cotton textiles, engineering, wholesale & retail trade, drugs & pharma and real estate

▪ Average yields have increased to 10.39% in FY 09 from 9.85% in FY 08

SME▪ Focus on health, tourism ,

engineering, trade and services ▪ Growth of 26% in MSME as against

market estimated growth of 19% (Source: RBI)

▪ New schemes SME Care and SME Health launched at 8% rate of interest

FY 09FY 08

+26%93,808

74,324

Segment-wise advances growth (2/3)

Interna-tional 56,196

FY 08

86,267

FY 09

+54% ▪ Capturing India related business in high potential countries

▪ Significant credit growth despite global meltdown

▪ Funded 22 outbound M&A deals by Indian companies in FY 09 vs21 in FY 08

Home Loans 44,626

FY 08

54,063

FY 09

+21% ▪ Sanctioned Rs.2,348 crore under New Happy Home loan Scheme (8% interest rate for first year) till Mar 09; scheme extended to Sep 09

▪ SBI’s growth in loan portfolio is now the highest in the industry

▪ Market share (ASCB) up from 17.48% to 19.74%

Education Loans

6,6174,413

FY 08 FY 09

+50%▪ Highest market share in the

industry – 24% (Source: RBI)▪ In-principle approvals now

available on the net▪ Over 350,000 students financed;

(for studies abroad 24,000 loans amounting Rs. 1245 crs)

▪ Tie-ups in place with 59 institutions

Rs crore

Segment-wise advances growth (3/3)

Auto Loans 9,7137,149

FY 08 FY 09

+36%▪ Market share increased to 12% of

new vehicle sales from 10% (source: SIAM)

▪ Tie-up entered with Tata Motors Ltd. For Tata Nano bookings

▪ Tie-ups existing with Maruti and Hyundai as well

▪ Growth is significantly higher than closest competitor (22%)

Other Personal Loans

32,168

FY 08

36,557

FY 09

+14% ▪ Focus on existing customers and mass-affluent segment

▪ Growth rate down from 19% in FY 08

▪ Bulk of lending is against salaries (Express credit)

Agri Loans 45,797

FY 08

54,678

FY 09

+19%▪ Agri advances are 18.46% of

adjusted net bank credit, meeting priority sector lending targets

▪ Disbursement of Rs.28,442 crore during the year FY 09

Rs crore

NIMs have declined since Sep 2008; Expected to improve going forward

Yield on advances

Cost of deposits

Percent

Credit deposit ratio 72.59% in March 2008; 66.63% in March 2009

10.2510.4210.249.809.83

FY 09Q3 FY 09Q1 FY 09 Q2 FY 09FY 08

6.035.955.945.715.61

Q2 FY 09 Q3 FY 09 FY 09FY 08 Q1 FY 09

2.933.153.163.083.07

FY 08 Q1 FY 09 Q2 FY 09 Q3 FY 09 FY 09

70% of advances re-priced instantly

TD re-pricing takes 3 years given maturity pattern

Net interest margin

1000-day deposit scheme and 8% home loan scheme launched to optimise liquidity and NIMsRs crore

Net Market lending/ (borrowing) (INR)

Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar

BPLR 12.25 12.25 12.75 12.75 12.75 13.75 13.75 13.00 13.00 12.20 12.25 12.25

Month on Month increase in Term Deposits (INR)

Month on Month increase in Advances (INR)

1

1 Tight liquidity after the Lehman incident

2

2 1000-day deposit scheme launched @10.50% on Oct 1, 2008

5

5 8% home loan launched on 2 Feb 2009; 8% SME loan launched on 1 May 2009; 10% loan schemes launched

4

As liquidity eased, deposit rates slashed by 100 bps overall and 225 bps for the 1000-day scheme; TD growth muted

4

3

3

Slowdown in credit offtake due to crises

• Strong pick-up in lending in Apr 09; loans sanctioned to Vodafone, Sasan UMPP, Paradip refinery & Sterlite

1 year TD rate 8.75 8.75 9.50 9.50 10.00 10.00 10.00 10.00 9.50 8.50 8.50 8.10

Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar

Repo rate

Rev. repo rate

7.75 7.75 8.50 9.00 9.00 9.00 8.00 7.50 6.50 5.50 5.50 5.00

6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 5.00 4.00 4.00 3.50

Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar

CRR and SLR cuts in Oct/Nov

Agri debt waiver

4.75

3.25

Apr

7.75

Apr

Apr

12.25

Other income increased by 46% in FY 09; Fee & other income increased by 35% in Q4 FY 09Rs crore

Q4 FY ‘09 vs Q4 FY ‘08

171%

32%

FY ‘09 vs FY ‘08

901

869197

946

6,682

8,695

FY 08

410

2,567

8,813

12,691

FY 09

DividendIncomeRecoveriesProfit on saleof investments

Fee and other Misc Income

+46%

4%

108%

3182

296

2,201

2,817

Q4 FY 08

8230

1,509

2,971

+67%

Fee and other Misc Income

Profit on saleof investments

Recoveries

DividendIncome

Q4 FY 09

4,718

409%

35%

-28%

300%

Core Fee income up by 29%

Operating income has increased by 31% y-o-y;Non-interest income growth is robust

Q4 ’09 VS Q4 ’08Q4 FY 09 vs Q4 FY 08 FY 09 vs FY 08

Operating Income(Rs crore)

4,842

9,561

Q4 FY 09

Non-InterestIncome

NII

25.5%

4,801

7,618

Q4 FY 08

4,7192,817

Operating Income(Rs crore)

17,021

25,716

FY 08

12,691

20,873

33,564

FY 09

Non-InterestIncome

NII

30.5%

8,695

67.5%

0.86%

45.9%

22.6%

Cost-to-income ratio has declined by 241 bps on top of a 515 bps decline last year

Q4 ’09 VS Q4 ’08

FY 08

12,609

574

4,823

6,637

575

1,380

6,833

5,901

Salaries

Overheads

FY 09

Pension provision

+24%

15,648

Wage increaseprovision

1,534

Q4 FY 09 vs Q4 FY 08 FY 09 vs FY 08

22%

3%

140%

Operating expenseRs crore

Cost-to-Income RatioPercent

46.6249.0354.18

241 bp

FY 09FY 08FY 07

Without wage increase and pension provision, C/I would be lower by a further

422 bps for FY 09

Q4 FY 08 included a write back of pension provision of Rs 475 crore

44.842.6

Q4 FY 09Q4 FY 08

220 bp

Operating expenseRs crore

Cost-to-Income RatioPercent

345

-475

1,675

1,700

4,283

Q4 FY 09

488

345

Q4 FY 08

1,934

1,516

3,245

Salaries

Wageincreaseprovision

Overheads

Pensionprovision

+32%

NA

15%

-11%

0%

167%

Operating profit has increased by 37% y-o-y;Q4 operating profit growth is 21%

Q4 ’09 VS Q4 ’08Q4 FY 09 vs Q4 FY 08 FY 09 vs FY 08

Operating profitRs crore

•Q4 FY 09 operating profit growth is higher on account of Rs 488 crore pension provision, as compared to a write-back of Rs 475 crore in Q4 FY 08

4,373

Q4 FY 08

5,277

Q4 FY 09

20.7%

Operating profitRs crore

13,107

FY 08

17,915

36.7%

FY 09

•FY 09 operating profit is impacted by pension provisions of Rs 1,534 crore as compared to Rs 574 crore in FY 08, and wage revision provisions of Rs 1,380 crore as compared to Rs 575 crore in FY 08

NPAs remain under control

15,58913,599

9,552

7,424

Gross NPA

Net NPA

FY 09FY 08

3.05%

1.78%

2.84%

1. 76%

Asset quality

Rs crore

Movement of NPAsRs crore

Movement of Gross to Net NPAs

31.03.200931.03.2008

Net NPAs to Net Advances 1.78% 1.76%Opening Balance 9,998 12,837Additions during the year 7,899 10,636Reduction during the year 5,060 7,884Closing during the year 12,837 15,589

Movement of Net NPAsOpening Balance 5,258 7,424Additions during the year 5,063 6,571Reduction during the year 2,896 4,443Closing during the year 7,424 9,552

Movement of ProvisionsOpening Balance 4,741 5,413Additions during the year 2,836 4,065Reduction during the year 2,163 3,441Closing during the year 5,413 6,037

Capital adequacy comfortable; Enough cushion for Tier II capital raising to fund growth

Total CARTier IITier I

Capital adequacy ratio Basel I Mar 09

Capital adequacy ratio Basel II Mar 09

For FY 09▪ Raised Rs.542 crore through Employee stock purchase scheme (ESPS) in

Apr 08.▪ Raised subordinated bonds of Rs.8,000 crore during 2008-2009;

Average cost was 8.91%. The overall average cost of bonds is 9.07%.

For FY 10▪ Will aim to maintain a CAR of 13% (9% Tier I and 4% Tier II);

– May raise equity through right issue subject to Govt approval– Enough cushion (around Rs.28,000 crore) is available for raising

subordinated bonds as and when required

Branch and ATM Network expansion continues;Market share is greater than share of branches

Branches (Domestic)

5,960

Mar 08

8,581

Mar 09

+44%

10,186

Mar 08

11,448

Mar 09

+12%

Market share

Number

Metro

10.55

Mar 08

12.86

Dec 08

12.26

Mar 08

12.75

Dec 08

Percent Advances Deposits Branches

11.73

Mar 08

12.84

Dec 08

ATMs

Urban

Semi-urban

Rural

21.06

Mar 08

23.22

Dec 08

23.33

Mar 08

24.52

Dec 08

12.75

Mar 08

12.89

Dec 08

24.80

Mar 08

26.16

Dec 08

26.73

Mar 08

27.96

Dec 08

16.96

Mar 08

17.56

Dec 08

18.06

Mar 08

19.33

Dec 08

17.71

Mar 08

19.01

Dec 08

13.09

Mar 08

13.67

Dec 08

Key strategic initiatives undertaken (1/5)

BPR▪ Sales Teams and Relationship Managers positioned at strategic

centres

▪ Centralised Processing Centres set up for Retail loans, SME loans and Trade Finance

▪ Liability CPCs have facilitated speedy opening of accounts, opening of bulk salary accounts

▪ Stressed Assets Resolution Centres (SARCs) fully operational for recovery of NPAs

▪ Redesigned processes, including In-branch cash handling process, Inter-office instruments, doorstep delivery

▪ Contact Centre with toll-free number started

▪ Centralised Pension Processing Centres enabling accurate and timely payment of pension leading to enhanced satisfaction to pensioners.

Key strategic initiatives undertaken (2/5)

SME▪ Regional MSME Care Centres established at all LHOs.

▪ First Award under “National Awards for excellence in lending to Micro Enterprises” & Second award under “National Award for Excellence” in MSE Lending

▪ 2 Enterpreneur Development Programmes (EDP) conducted

▪ 46,515 loans totalling Rs 3,132 crore restructured in FY 09

▪ Cash Management products sold to SMEs realizing 13% increase in commissions and 33% increase in floats

Retail▪ Major push on retail assets, leading to portfolio growth of 21% in

housing loans, 36% in auto loans and 50% in education loans

▪ Happy Home Loan scheme launched; 24,781 loans totaling Rs 2,348 crore sanctioned

▪ Over 1,200 financial advisors in place for wealth management andcross-sell of mutual funds and insurance products

▪ Focus on corporate salary accounts

Key strategic initiatives undertaken (3/5)

Rural▪ The Bank strongly believes in ‘Financial Inclusion’ and has set itself

the mission of being the ‘Banker to every Indian’– 17,979 Customer Service Points / BCs / BFs are in place– Plans in place to cover an additional 50,000 villages in FY 10– Scaling up branch network; 481 branches added in rural and

semi-urban areas in FY 09 taking the total to 7,696; – ATM network in rural and semi-urban areas increased to 3,800

(4,500 for SBI Group)

▪ Enhancing loan processing capacity by setting up additional rural central processing centres – 158 in place by March 2009, which is being expanded to 300 by March 2010

▪ Using technology to cover unbanked villages and increasing financial inclusion through– Internet Kiosk – Mobile banking

▪ Number of Self-Help Groups financed surpassed 1 million duringFY ’09 (growth rate of 27%)

Key strategic initiatives undertaken (4/5)Comm-ercialBanking

▪ New thrust on wholesale banking and top corporates through account planning and formation of client service teams

▪ Focus on fee income generation by providing value added serviceslike CMP, B2B and B2C (66% growth in fee income for large corporates in FY 09)

▪ Further thrust on increasing dominance in mid-corp space (gold, wholesalers, broking, etc.)

▪ Stepped in where private and foreign banks were unable to support

IT▪ Rolled out additional ATMs to cater to increasing number of

cardholders and penetrate new areas; Plans to add 13,000 ATMs inFY 10 for the group

▪ Share of transactions in alternate channels increased to 17.5% in retail segment from 14.67%

▪ All 11,448 branches are corporate internet banking enabled

▪ Investments being made in payments systems (mobile banking, ATM, POS, etc.) networking, upgradation of core banking systems, stress testing and system security and scalability

Key strategic initiatives undertaken (5/5)Inter-national

Inter-national

Aggressively supporting Indian companies’ overseas expansion; Total international advances grew by over 49% in FY 09

New international strategy in place

▪ Focus on remittances; Setting up back-offices/call center in India for all types of business

▪ Launched full fledged retail operations in Singapore in Oct 2008; Four branches opened and USD 70 Mn deposits gathered in FY 09; Will have 8 branches and 8 ATMs in place by end of FY 10

▪ Initiatives underway to strengthen business in countries with strong India linkage (e.g., USA, UK, UAE)

▪ Restructuring international business group to enable new business model underway

▪ Plans in place to be the dominant foreign bank in select countries such as Nepal, Maldives, Mauritius

▪ Plans in place to be the dominant bank for NRIs

30

Awards and recognition (1/3)

During the past 12 months, the Bank has won a number of awards

▪ Only Indian bank to find a place in the Fortune Global 500 list – Up from 495 last year to 380 this year (+115) seventh highest gainer

▪ Moved up in rankings from 219th spot last year to 150th spot this year in the Forbes 2000 list of largest companies in the world

▪ Best Executive award to the Chairman by Asia Money▪ Voted as “The Best Domestic Provider of FX Services” (2nd year in

a row) & “The Best Domestic Provider of Single Bank Electronic Trading Platform” By Asia Money

▪ Only Indian bank among the top 100 banks in the world. Ranked 8th in top 25 banks in Asia

▪ Ranking in the banker top 1000 world banks improved to 57 from 70 as compared to the ranking of 2007;

▪ Awards by “The Banker Magazine” for “Retail Core Banking” and “Overall Retail Technology Product”. SBI is the only Indian bank to receive these awards

▪ Awarded the “Bank of the Year 2008 – India” by The Banker Magazine, London

Awards and recognition (2/3)

During the past 12 months, the Bank has won a number of awards

▪ Awarded “Best Bank” and “Most Preferred Home Loan” By Outlook Money Awards, 08

▪ Won “Most Preferred Bank” and “Most Preferred Brand for Home Loan” CNBC Consumer Awards, Sept ’08 (third year in a row)

▪ Bagged two prestigious awards from Indian Banks Association and TFCI for

–Best IT architecture

–Rural banking initiative

▪ Awarded the top Public Sector Bank under the SME Financing category and the Rural Reach category – Dun & Bradstreet Banking Awards 2009

▪ Moved up to 59 from 61 in Global 500 financial brand recognitionranking by Brand Finance, London February 2008

▪ Ranked # 1 in Survey of top 5 companies in India in terms of financial reputation by Wall Street Journal Asia

Awards and recognition (3/3)

During the past 12 months, the Bank has won a number of awards

▪ Selected to receive the “Most Admired Infrastructure Financier”Award at the KPMG – Infrastructure Today Awards ’08

▪ Awarded the “First National Award” for excellence in lending to micro-enterprises for 2007-08 under National Awards to Banks 2007-08. SBI has been winning this award for the fourth year in succession, every since it was instituted

▪ Awarded “Second National Award” award for excellence in MSElending for 2007-08 under National Awards to Banks 2007-08

▪ Winner of Readers Digest trusted brands awards 2008 - GOLD Credit Card Issuing Bank – Gold

▪ Awarded the Financial Services Developer Award for Central Plan Scheme Monitoring System (CSPMS)

Operating profits have increased by 36.68% y-o-yRs crore

Int. on advances 9,603 12,084 25.83%(36.09%)

35,228 46,405

Other Interest Income

3,974 5,259 32.23% 13,722 17,384

Total Interest Expense

8,776 12,500 42.44% (46.98%)

31,929 42,915

Non-Interest Income

2,817 4,718 67.48% (5.60%)

8,695 12,691

Operating Expenses 3,245 4,283 32.00% (-0.04%)

12,609 15,649

Q4FY 08

Q4FY 09

Q-o-Qgrowth FY 08 FY 09

Y-o-Ygrowth

Oper. Profit 4,373 5,277 13,107 17,91520.67% (10.20%)

Int. Income 13,577 17,342 27.74%(29.08%)

48,950 63,788

NII 4,801 4,842 0.86% (5.58%)

17,021 20,873

Operating Income 7,618 9,560 25.50% (5.53%)

25,716 33,564

31.73%(41.82%)

26.68%

34.41% (43.93%)

45.96% (28.52%)

24.11% (6.64%)

36.68% (31.08%)

30.31% (31.44%)

22.63% (13.04%)

30.52% (17.84%)

( ) Figures in parenthesis indicates growth of FY ’08- FY ’07

SBI stand-alone balance sheet has grown by 34%

Cash & balance with RBI

Balances with banks & money at call & short notice

Investments

Advances

Fixed Assets

Other Assets

Total

Capital

Reserves & Surpluses

Deposits

Borrowings

Other Liabilities & Provisions

Total

51,535

15,932

189,501

416,768

3,373

44,417

721,526

631

48,401

537,404

51,727

83,362

721,526

55,546

48,858

275,954

542,503

3,838

37,733

964,432

635

57,313

742,073

53,714

110,698

964,432

7.78

206.67

45.62

30.17

13.77

-15.05

33.67

0.54

18.41

38.08

3.84

32.79

33.67

31.03.2008Y-o-Ygrowth (%)31.03.2009

Key ratios

▪ Return on Assets 1.01

▪ Return on Equity* 17.82

▪ Capital Adequacy Ratio (Basel II) 12.64

▪ NIM 3.07 2.93

▪ Cost to Income 49.03 46.62

▪ Other income to Op. income 33.81 37.81

FY 08Per cent

FY 09Per cent

1.04

15.73

14.25

* Before taking into account rights issue for FY 08

Thank You