State Bank of India | Income Statement  

                              11-Sep-2021 21:30

Income Statement
Annual Common Size (% of Sales) , Consolidated
2021 2020 2019 2018 2017
Earnings Quality Score 28  58  20  10  39 
Period End Date 31-Mar-2021  31-Mar-2020  31-Mar-2019  31-Mar-2018  31-Mar-2017 
Interest Income, Bank 121.27% 130.43% 144.90% 143.17% 154.12%
Interest & Fees on Loans 77.09% 89.66% 95.03% 90.64% 104.86%
Interest & Dividends on Investment 37.99% 36.16% 45.90% 46.92% 42.94%
Interest on Deposits 1.98% 1.48% 0.76% 1.51% 1.73%
Other Interest Income 4.21% 3.13% 3.22% 4.10% 4.59%
Total Interest Expense 68.03% 77.88% 89.16% 91.67% 99.73%
Interest on Deposit 62.38% 71.60% 80.61% 85.11% 92.82%
Interest on Other Borrowings 5.65% 6.28% 8.55% 6.56% 6.91%
Net Interest Income 53.24% 52.55% 55.75% 51.50% 54.39%

Loan Loss Provision 10.24% 21.19% 31.62% 42.48% 38.86%

Net Interest Inc. After Loan Loss Prov. 43.00% 31.36% 24.13% 9.02% 15.53%

Non-Interest Income, Bank 46.76% 47.45% 44.25% 48.50% 45.61%

Fees & Commissions from Operation 10.28% 11.39% 13.04% 14.28% 13.18%
Insurance Commissions, Fees & Pre 23.18% 20.87% 20.15% 16.84% 14.88%
Credit Card Fees 1.71% 1.99% 1.82% 1.33% 0.95%
Real Estate Operation Gain 0.00% 0.00% 0.00% 0.00% 0.00%
Investment Securities Gains 2.68% 1.66% 2.00% 5.72% 9.22%
Foreign Currency Gains 1.07% 1.25% 1.26% 1.58% 1.87%
Unrealized Gains 0.00% 0.00% (1.21%) (0.70%) 0.00%
Other Unusual Income 0.58% 2.78% 0.24% 3.13% (0.03%)
Other Revenue 7.26% 7.50% 6.96% 6.33% 5.55%
Non-Interest Expense, Bank (75.46%) (64.15%) (65.40%) (65.17%) (60.51%)
Labor & Related Expenses (23.70%) (23.62%) (25.06%) (22.15%) (23.88%)
Depreciation Expense (1.62%) (1.77%) (2.00%) (1.94%) (1.95%)
Other Unusual Expense (3.95%) (0.30%) 0.35% (5.11%) (1.15%)
Other Expense (46.19%) (38.46%) (38.69%) (35.97%) (33.53%)
Net Income Before Taxes 14.30% 14.65% 2.99% (7.66%) 0.63%
Provision for Income Taxes 3.71% 4.34% 1.23% (5.04%) 0.89%
Net Income After Taxes 10.59% 10.32% 1.76% (2.62%) (0.26%)
Minority Interest (0.65%) (0.66%) (0.60%) (0.50%) 0.23%
Equity In Affiliates (0.17%) 1.43% 0.16% 0.27% 0.20%
Net Income Before Extra. Items 9.77% 11.09% 1.32% (2.85%) 0.16%
Extraordinary Item -- (1.53%) -- -- --
Total Extraordinary Items -- (1.53%) -- -- --
Net Income 9.77% 9.55% 1.32% (2.85%) 0.16%

Income Available to Com Excl ExtraOrd 9.77% 11.09% 1.32% (2.85%) 0.16%
Income Available to Com Incl ExtraOrd 9.77% 9.55% 1.32% (2.85%) 0.16%
Basic Weighted Average Shares -- -- -- -- --
Basic EPS Excluding Extraordinary Items -- -- -- -- --
Basic EPS Including Extraordinary Items -- -- -- -- --
Diluted Net Income 9.77% 9.55% 1.32% (2.85%) 0.16%
Diluted Weighted Average Shares -- -- -- -- --
Diluted EPS Excluding ExtraOrd Items -- -- -- -- --
Diluted EPS Including ExtraOrd Items -- -- -- -- --
Supplemental (INR Millions)
DPS - Common Stock Primary Issue -- -- -- -- --
Gross Dividends - Common Stock 1.56% -- 0.00% 0.00% 1.41%
Total Special Items 3.37% (2.48%) (0.58%) 1.98% 1.18%
Normalized Income Before Taxes 17.67% 12.18% 2.40% (5.67%) 1.81%
Effect of Special Items on Income Taxes 0.88% (0.73%) (0.24%) 0.69% 0.41%
Inc Tax Ex Impact of Sp Items 4.59% 3.60% 0.99% (4.34%) 1.31%
Normalized Income After Taxes 13.08% 8.57% 1.41% (1.33%) 0.51%
Normalized Inc. Avail to Com. 12.27% 9.34% 0.97% (1.56%) 0.93%
Basic Normalized EPS -- -- -- -- --
Diluted Normalized EPS -- -- -- -- --
Depreciation, Supplemental 1.62% 1.77% 2.00% 1.94% 1.95%
Rental Expense, Supplemental 2.11% 1.72% 2.01% 2.06% 1.75%
Advertising Expense, Supplemental 1.07% 1.37% 1.35% 1.25% 0.40%
Equity in Affiliates, Supplemental (0.17%) 1.43% 0.16% 0.27% 0.20%
Minority Interest, Supplemental (0.65%) (0.66%) (0.60%) (0.50%) 0.23%
Income Taxes - Non-Recurring Tax Change -- 1.53% -- -- --
Audit Fees 0.12% 0.12% 0.18% 0.19% 0.21%
COVID-19 One-time Provisions 2.72% -- -- -- --
Bank Total Revenue 100.00% 100.00% 100.00% 100.00% 100.00%
Tax & Pension Items (INR Millions)
Current Tax - Total -- -- -- -- --
Current Tax - Domestic -- -- -- -- --
Current Tax - Total -- -- -- -- --
Deferred Tax - Total -- -- -- -- --
Deferred Tax - Domestic -- -- 0.50% (6.13%) (2.35%)
Deferred Tax - Total -- -- -- -- --
Income Tax - Total -- -- -- -- --
Local Tax - Other -- -- -- -- --
Other Tax -- -- -- -- --
Domestic Pension Plan Expense 6.72% 7.27% 6.19% 3.77% 5.81%
Interest Cost - Domestic 3.66% 4.06% 4.48% 4.36% 4.41%
Service Cost - Domestic 0.63% 0.69% 0.85% 0.80% 1.05%
Prior Service Cost - Domestic 0.00% 0.00% 1.55% 0.57% 0.80%
Expected Return on Assets - Domest (3.22%) (3.78%) (4.20%) (4.14%) (4.20%)
Actuarial Gains and Losses - Domesti 5.65% 6.32% 3.51% 2.18% 3.74%
Other Pension, Net - Domestic 0.00% 0.00% -- -- --
Total Pension Expense 7.02% 7.56% 6.46% 4.03% 6.06%
Defined Contribution Expense - Dom 0.30% 0.29% 0.28% 0.26% 0.25%
Total Plan Interest Cost 3.66% 4.06% 4.48% 4.36% 4.41%
Total Plan Service Cost 0.63% 0.69% 0.85% 0.80% 1.05%
Total Plan Expected Return (3.22%) (3.78%) (4.20%) (4.14%) (4.20%)
Total Plan Other Expense 0.00% 0.00% -- -- --
Dividends and Capital Changes
State Bank of India Ord Shs
INR 4.00 F INR 0.00 F INR 2.60 F
(31-Mar) (31-Mar) (31-Mar)
Pd.End  -- -- Pd.End  Pd.End 

Cash Dividend -- -- -- -- --

Share Split -- -- -- -- --
 2016 2015 2014 2013 2012
25  53  30  29  17 
31-Mar-2016  31-Mar-2015  31-Mar-2014  31-Mar-2013  31-Mar-2012 
170.89% 167.57% 179.26% 179.19% 167.82%
120.93% 123.39% 134.06% 134.88% 126.94%
44.62% 41.09% 42.53% 41.29% 38.43%
0.91% 0.93% 1.09% 1.43% 0.88%
4.42% 2.15% 1.59% 1.59% 1.57%
110.19% 107.31% 115.18% 113.95% 101.83%
101.99% 97.97% 103.46% 102.73% 90.46%
8.20% 9.34% 11.73% 11.22% 11.37%
60.70% 60.27% 64.08% 65.24% 65.99%

28.80% 19.73% 18.87% 14.34% 17.49%

31.90% 40.53% 45.21% 50.90% 48.49%

39.30% 39.73% 35.92% 34.76% 34.01%

13.60% 12.76% 14.30% 14.79% 16.57%
12.81% 10.98% 10.12% 11.11% 14.80%
0.76% 0.60% 0.55% 0.43% 0.31%
0.00% 0.00% 0.00% 0.00% 0.00%
6.26% 7.81% 4.04% 3.07% (0.66%)
1.96% 1.92% 2.18% 2.15% 1.92%
(2.42%) 1.44% 1.78% 0.63% (1.56%)
(0.02%) (0.04%) (0.04%) (0.04%) 0.11%
6.35% 4.26% 2.99% 2.63% 2.52%
(57.19%) (59.43%) (60.91%) (58.05%) (54.45%)
(25.06%) (25.08%) (28.33%) (26.04%) (25.18%)
(1.73%) (1.27%) (1.84%) (1.68%) (1.56%)
(0.25%) 0.53% (0.83%) -- --
(30.15%) (33.62%) (29.91%) (30.33%) (27.70%)
14.00% 20.83% 20.22% 27.61% 28.06%
4.19% 6.72% 6.48% 8.06% 9.85%
9.82% 14.11% 13.74% 19.55% 18.21%
(0.61%) (0.67%) (0.60%) (0.68%) (0.72%)
0.21% 0.25% 0.30% 0.25% --
9.42% 13.69% 13.44% 19.11% 17.49%
 -- -- -- -- --
-- -- -- -- --
9.42% 13.69% 13.44% 19.11% 17.49%

9.42% 13.69% 13.44% 19.11% 17.49%

9.42% 13.69% 13.44% 19.11% 17.49%
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
9.42% 13.69% 13.44% 19.11% 17.49%
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --

-- -- -- -- --
1.55% 2.13% 2.12% 3.03% 2.68%
0.26% (0.49%) 0.87% 0.04% (0.11%)
14.26% 20.34% 21.10% 27.65% 27.95%
0.08% (0.16%) 0.28% 0.01% (0.04%)
4.26% 6.56% 6.76% 8.08% 9.81%
10.00% 13.78% 14.33% 19.58% 18.14%
9.60% 13.36% 14.03% 19.14% 17.42%
-- -- -- -- --
-- -- -- -- --
1.73% 1.27% 1.84% 1.68% 1.56%
1.68% 1.41% 0.22% 0.23% 0.16%
0.47% 0.64% 0.58% 0.69% 0.39%
0.21% 0.25% 0.30% 0.25% 0.16%
(0.61%) (0.67%) (0.60%) (0.68%) (0.72%)
-- -- -- -- --
0.22% 0.21% 0.24% 0.20% 0.23%
-- -- -- -- --
100.00% 100.00% 100.00% 100.00% 100.00%

-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
0.06% (0.85%) 1.11% (0.75%) 0.79%
-- -- -- -- --
 -- -- -- -- --
-- -- -- -- --
-- -- -- -- --
7.03% -- 6.42% 4.80% 5.59%
4.66% -- 4.82% 5.04% 4.84%
1.25% -- 1.56% 1.95% 1.93%
0.00% -- 0.42% 0.36% 0.42%
(4.73%) -- (4.37%) (3.94%) (2.75%)
5.85% -- 3.99% 1.39% 1.17%
-- -- -- 0.00% (0.04%)
7.03% -- 6.42% 5.75% 6.28%
0.00% -- -- 0.95% 0.70%
4.66% -- 4.82% 5.04% 4.84%
1.25% -- 1.56% 1.95% 1.93%
(4.73%) -- (4.37%) (3.94%) (2.75%)
-- -- -- 0.00% (0.04%)

INR 2.60 F INR 3.50 F INR 1.50 F INR 4.15 F INR 3.50 F
(31-Mar) (31-Mar) (31-Mar) (31-Mar) (31-Mar)
Pd.End  Pd.End  Pd.End  Pd.End  Pd.End 
INR 1.50 I
(30-Sep)
-- -- Pd.End  -- --
0
-- (22-Nov)  -- -- --
State Bank of India | Income Statement                                11-Sep-2021 21:30

Income Statement
Annual YoY Growth in Millions of Indian Rupees, Consolidated
2021 2020 2019 2018 2017
Earnings Quality Score 28  58  20  10  39 
Period End Date 31-Mar-2021  31-Mar-2020  31-Mar-2019  31-Mar-2018  31-Mar-2017 
Interest Income, Bank 2,781,155 2,698,517 2,533,221 2,289,703 2,304,475
1Y Growth 3.1%  6.5%  10.6%  (0.6%)  3.9% 
Interest & Fees on Loans 1,767,802 1,854,942 1,661,246 1,449,586 1,567,905
1Y Growth (4.7%)  11.7%  14.6%  (7.5%)  (0.1%) 
Interest & Dividends on Investment 871,306 748,129 802,435 750,366 642,014
1Y Growth 16.5%  (6.8%)  6.9%  16.9%  10.8% 
Interest on Deposits 45,414 30,662 13,248 24,108 25,916
1Y Growth 48.1%  > 99%  (45.0%)  (7.0%)  > 99% 
Other Interest Income 96,632 64,783 56,293 65,643 68,641
1Y Growth 49.2%  15.1%  (14.2%)  (4.4%)  19.5% 
Total Interest Expense 1,560,102 1,611,238 1,558,675 1,466,030 1,491,147
1Y Growth (3.2%)  3.4%  6.3%  (1.7%)  4.2% 
Interest on Deposit 1,430,604 1,481,368 1,409,202 1,361,092 1,387,868
1Y Growth (3.4%)  5.1%  3.5%  (1.9%)  4.8% 
Interest on Other Borrowings 129,497 129,870 149,473 104,938 103,279
1Y Growth (0.3%)  (13.1%)  42.4%  1.6%  (3.0%) 
Net Interest Income 1,221,053 1,087,279 974,547 823,673 813,328
1Y Growth 12.3%  11.6%  18.3%  1.3%  3.2% 

Loan Loss Provision 234,857 438,489 552,741 679,414 581,084

1Y Growth (46.4%)  (20.7%)  (18.6%)  16.9%  55.4% 
Net Interest Inc. After Loan Loss Prov. 986,197 648,790 421,806 144,259 232,244
1Y Growth 52.0%  53.8%  > 99%  (37.9%)  (43.9%) 

Non-Interest Income, Bank 1,072,224 981,590 773,652 775,572 681,930

1Y Growth 9.2%  26.9%  (0.2%)  13.7%  33.7% 
Fees & Commissions from Operation 235,666 235,713 228,014 228,299 197,010
1Y Growth (0.0%)  3.4%  (0.1%)  15.9%  11.5% 
Insurance Commissions, Fees & Pre 531,626 431,766 352,250 269,259 222,438
1Y Growth 23.1%  22.6%  30.8%  21.0%  33.7% 
Credit Card Fees 39,154 41,221 31,798 21,265 14,159
1Y Growth (5.0%)  29.6%  49.5%  50.2%  44.3% 
Real Estate Operation Gain 0.00 0.00 0.00 0.00 0.00
1Y Growth 0.0%  0.0%  0.0%  0.0%  0.0% 
Investment Securities Gains 61,404 34,358 34,984 91,493 137,823
 1Y Growth 78.7%  (1.8%)  (61.8%)  (33.6%)  69.6% 
Foreign Currency Gains 24,577 25,816 22,091 25,225 27,922
1Y Growth (4.8%)  16.9%  (12.4%)  (9.7%)  10.0% 
Unrealized Gains (51.55) 0.00 (21,240) (11,206) 0.00
1Y Growth (51.5%)  > 99%  (89.5%)  < (99%)  > 99% 
Other Unusual Income 13,389 57,532 4,141.2 50,055 (438.1)
1Y Growth (76.7%)  > 99%  (91.7%)  > 99%  < (99%) 
Other Revenue 166,460 155,184 121,615 101,184 83,015
1Y Growth 7.3%  27.6%  20.2%  21.9%  0.8% 
Non-Interest Expense, Bank (1,730,461) (1,327,214) (1,143,253) (1,042,280) (904,726)
1Y Growth (30.4%)  (16.1%)  (9.7%)  (15.2%)  (21.8%) 
Labor & Related Expenses (543,441) (488,621) (438,047) (354,172) (357,007)
1Y Growth (11.2%)  (11.5%)  (23.7%)  0.8%  (9.7%) 
Depreciation Expense (37,111) (36,616) (34,959) (31,051) (29,147)
1Y Growth (1.4%)  (4.7%)  (12.6%)  (6.5%)  (29.4%) 
Other Unusual Expense (90,680) (6,281.1) 6,060.0 (81,773) (17,220)
1Y Growth < (99%)  < (99%)  > 99%  < (99%)  < (99%) 
Other Expense (1,059,230) (795,696) (676,307) (575,285) (501,352)
1Y Growth (33.1%)  (17.7%)  (17.6%)  (14.7%)  (28.1%) 
Net Income Before Taxes 327,960 303,166 52,205 (122,449) 9,448.3
1Y Growth 8.2%  > 99%  > 99%  < (99%)  (94.8%) 
Provision for Income Taxes 85,163 89,734 21,514 (80,575) 13,355
1Y Growth (5.1%)  > 99%  > 99%  < (99%)  (75.4%) 
Net Income After Taxes 242,797 213,432 30,691 (41,874) (3,906.7)
1Y Growth 13.8%  > 99%  > 99%  < (99%)  < (99%) 
Minority Interest (14,824) (13,722) (10,509) (8,070.4) 3,386.2
1Y Growth (8.0%)  (30.6%)  (30.2%)  < (99%)  > 99% 
Equity In Affiliates (3,919.0) 29,631 2,814.8 4,381.6 2,932.8
1Y Growth < (99%)  > 99%  (35.8%)  49.4%  6.3% 
Net Income Before Extra. Items 224,055 229,342 22,996 (45,563) 2,412.3
1Y Growth (2.3%)  > 99%  > 99%  < (99%)  (98.0%) 

Extraordinary Item -- (31,664) -- -- --

1Y Growth -- -- -- -- --
Total Extraordinary Items -- (31,664) -- -- --
1Y Growth -- -- -- -- --
Net Income 224,055 197,678 22,996 (45,563) 2,412.3
1Y Growth 13.3%  > 99%  > 99%  < (99%)  (98.0%) 

Income Available to Com Excl ExtraOrd 224,055 229,342 22,996 (45,563) 2,412.3
1Y Growth (2.3%)  > 99%  > 99%  < (99%)  (98.0%) 
Income Available to Com Incl ExtraOrd 224,055 197,678 22,996 (45,563) 2,412.3
1Y Growth 13.3%  > 99%  > 99%  < (99%)  (98.0%) 
Basic Weighted Average Shares 8,924.6 8,924.6 8,924.6 8,533.1 7,803.8
1Y Growth 0.0%  0.0%  4.6%  9.3%  1.8% 
Basic EPS Excluding Extraordinary Items 25.11 25.70 2.58 (5.34) 0.31
1Y Growth (2.3%)  > 99%  > 99%  < (99%)  (98.1%) 
Basic EPS Including Extraordinary Items 25.11 22.15 2.58 (5.34) 0.31
1Y Growth 13.3%  > 99%  > 99%  < (99%)  (98.1%) 
Diluted Net Income 224,055 197,678 22,996 (45,563) 2,412.3
1Y Growth 13.3%  > 99%  > 99%  < (99%)  (98.0%) 
Diluted Weighted Average Shares 8,924.6 8,924.6 8,924.6 8,533.1 7,803.8
1Y Growth 0.0%  0.0%  4.6%  9.3%  1.8% 
Diluted EPS Excluding ExtraOrd Items 25.11 25.70 2.58 (5.34) 0.31
1Y Growth (2.3%)  > 99%  > 99%  < (99%)  (98.1%) 
Diluted EPS Including ExtraOrd Items 25.11 22.15 2.58 (5.34) 0.31
1Y Growth 13.3%  > 99%  > 99%  < (99%)  (98.1%) 
Supplemental (INR Millions)
DPS - Common Stock Primary Issue 4.00 -- -- 0.00 2.60
1Y Growth -- -- -- < (99%)  0.0% 
Gross Dividends - Common Stock 35,698 -- 0.00 0.00 21,086
1Y Growth -- -- 0.0%  < (99%)  4.5% 
Total Special Items 77,291 (51,251) (10,201) 31,718 17,658
1Y Growth > 99%  < (99%)  < (99%)  79.6%  > 99% 
Normalized Income Before Taxes 405,250 251,915 42,004 (90,731) 27,106
1Y Growth 60.9%  > 99%  > 99%  < (99%)  (85.4%) 
Effect of Special Items on Income Taxes 20,070 (15,170) (4,204.0) 11,101 6,180.2
1Y Growth > 99%  < (99%)  < (99%)  79.6%  > 99% 
Inc Tax Ex Impact of Sp Items 105,233 74,564 17,310 (69,474) 19,535
1Y Growth 41.1%  > 99%  > 99%  < (99%)  (64.7%) 
Normalized Income After Taxes 300,017 177,351 24,694 (21,257) 7,570.8
1Y Growth 69.2%  > 99%  > 99%  < (99%)  (94.2%) 
Normalized Inc. Avail to Com. 281,275 193,260 16,999 (24,946) 13,890
1Y Growth 45.5%  > 99%  > 99%  < (99%)  (88.9%) 
Basic Normalized EPS 31.52 21.65 1.90 (2.92) 1.78
1Y Growth 45.5%  > 99%  > 99%  < (99%)  (89.1%) 
Diluted Normalized EPS 31.52 21.65 1.90 (2.92) 1.78
1Y Growth 45.5%  > 99%  > 99%  < (99%)  (89.1%) 
Depreciation, Supplemental 37,111 36,616 34,959 31,051 29,147
1Y Growth 1.4%  4.7%  12.6%  6.5%  29.4% 
Rental Expense, Supplemental 48,473 35,569 35,226 32,896 26,154
1Y Growth 36.3%  1.0%  7.1%  25.8%  19.9% 
Advertising Expense, Supplemental 24,586 28,307 23,608 19,976 6,002.9
1Y Growth (13.1%)  19.9%  18.2%  > 99%  (1.5%) 
Equity in Affiliates, Supplemental (3,919.0) 29,631 2,814.8 4,381.6 2,932.8
1Y Growth < (99%)  > 99%  (35.8%)  49.4%  6.3% 
Minority Interest, Supplemental (14,824) (13,722) (10,509) (8,070.4) 3,386.2
1Y Growth (8.0%)  (30.6%)  (30.2%)  < (99%)  > 99% 
Income Taxes - Non-Recurring Tax Change -- 31,664 -- -- --
1Y Growth -- -- -- -- --
Audit Fees 2,852.5 2,560.2 3,070.0 2,963.8 3,118.2
1Y Growth 11.4%  (16.6%)  3.6%  (5.0%)  9.3% 
COVID-19 One-time Provisions 62,470 -- -- -- --
1Y Growth -- -- -- -- --
Bank Total Revenue 2,293,277 2,068,869 1,748,199 1,599,245 1,495,258
1Y Growth 10.8%  18.3%  9.3%  7.0%  15.2% 
Tax & Pension Items (INR Millions)
Current Tax - Total 122,781 43,728 19,820 17,584 48,426
1Y Growth > 99%  > 99%  12.7%  (63.7%)  (9.5%) 
Current Tax - Domestic -- -- 19,820 17,584 48,426
1Y Growth -- -- 12.7%  (63.7%)  (9.5%) 
Current Tax - Total 122,781 43,728 -- -- --
1Y Growth > 99%  -- -- -- --
Deferred Tax - Total (37,490) 43,357 8,781.6 (98,048) (35,071)
1Y Growth < (99%)  > 99%  > 99%  < (99%)  < (99%) 
Deferred Tax - Domestic -- -- 8,781.6 (98,048) (35,071)
1Y Growth -- -- > 99%  < (99%)  < (99%) 
Deferred Tax - Total (37,490) 43,357 -- -- --
1Y Growth < (99%)  -- -- -- --
Income Tax - Total 85,163 89,734 21,514 (80,575) 13,355
1Y Growth (5.1%)  > 99%  > 99%  < (99%)  (75.4%) 
Local Tax - Other -- -- -- -- --
1Y Growth -- -- -- -- --
Other Tax (128.4) 2,649.1 (7,087.7) (111.1) 0.00
1Y Growth < (99%)  > 99%  < (99%)  < (99%)  > 99% 
Domestic Pension Plan Expense 154,103 150,499 108,174 60,233 86,906
1Y Growth 2.4%  39.1%  79.6%  (30.7%)  (4.8%) 
Interest Cost - Domestic 83,953 83,895 78,247 69,704 66,008
1Y Growth 0.1%  7.2%  12.3%  5.6%  9.0% 
Service Cost - Domestic 14,394 14,244 14,909 12,809 15,729
1Y Growth 1.1%  (4.5%)  16.4%  (18.6%)  (2.7%) 
Prior Service Cost - Domestic 0.00 0.00 27,075 9,070.9 12,000
1Y Growth 0.0%  < (99%)  > 99%  (24.4%)  > 99% 
Expected Return on Assets - Domest (73,922) (78,304) (73,367) (66,255) (62,785)
1Y Growth 5.6%  (6.7%)  (10.7%)  (5.5%)  (2.3%) 
Actuarial Gains and Losses - Domesti 129,678 130,667 61,310 34,903 55,954
 1Y Growth (0.8%)  > 99%  75.7%  (37.6%)  (26.3%) 
Other Pension, Net - Domestic 0.00 (2.80) -- -- --
1Y Growth > 99%  -- -- -- --
Total Pension Expense 161,060 156,396 113,015 64,418 90,574
1Y Growth 3.0%  38.4%  75.4%  (28.9%)  (0.8%) 
Defined Contribution Expense - Dom 6,956.5 5,896.3 4,841.8 4,185.9 3,668.4
1Y Growth 18.0%  21.8%  15.7%  14.1%  > 99% 
Total Plan Interest Cost 83,953 83,895 78,247 69,704 66,008
1Y Growth 0.1%  7.2%  12.3%  5.6%  9.0% 
Total Plan Service Cost 14,394 14,244 14,909 12,809 15,729
1Y Growth 1.1%  (4.5%)  16.4%  (18.6%)  (2.7%) 
Total Plan Expected Return (73,922) (78,304) (73,367) (66,255) (62,785)
1Y Growth 5.6%  (6.7%)  (10.7%)  (5.5%)  (2.3%) 
Total Plan Other Expense 0.00 (2.80) -- -- --
1Y Growth > 99%  -- -- -- --
Dividends and Capital Changes
State Bank of India Ord Shs
INR 4.00 F INR 0.00 F INR 2.60 F
(31-Mar) (31-Mar) (31-Mar)
Pd.End  -- -- Pd.End  Pd.End 

Cash Dividend -- -- -- -- --

Share Split -- -- -- -- --
 2016 2015 2014 2013 2012
25  53  30  29  17 
31-Mar-2016  31-Mar-2015  31-Mar-2014  31-Mar-2013  31-Mar-2012 
2,218,548 2,079,743 1,890,624 1,679,781 1,471,974
6.7%  10.0%  12.6%  14.1%  29.5% 
1,570,017 1,531,446 1,413,826 1,264,422 1,113,415
2.5%  8.3%  11.8%  13.6%  32.9% 
579,227 510,020 448,557 387,032 337,052
13.6%  13.7%  15.9%  14.8%  21.8% 
11,868 11,599 11,447 13,387 7,762.6
2.3%  1.3%  (14.5%)  72.5%  11.1% 
57,436 26,678 16,794 14,940 13,745
> 99%  58.8%  12.4%  8.7%  (5.9%) 
1,430,474 1,331,786 1,214,790 1,068,179 893,196
7.4%  9.6%  13.7%  19.6%  31.2% 
1,324,020 1,215,884 1,091,131 963,025 793,456
8.9%  11.4%  13.3%  21.4%  30.6% 
106,453 115,903 123,660 105,154 99,740
(8.2%)  (6.3%)  17.6%  5.4%  35.9% 
788,075 747,957 675,834 611,602 578,778
5.4%  10.7%  10.5%  5.7%  27.1% 

373,954 244,930 199,062 134,435 153,448

52.7%  23.0%  48.1%  (12.4%)  26.5% 
414,121 503,027 476,772 477,168 425,330
(17.7%)  5.5%  (0.1%)  12.2%  27.3% 

510,162 493,152 378,821 325,817 298,354

3.4%  30.2%  16.3%  9.2%  (12.8%) 
176,625 158,418 150,866 138,619 145,324
11.5%  5.0%  8.8%  (4.6%)  4.1% 
166,369 136,287 106,728 104,158 129,851
22.1%  27.7%  2.5%  (19.8%)  1.0% 
9,810.9 7,508.1 5,752.2 4,006.7 2,689.9
30.7%  30.5%  43.6%  49.0%  18.2% 
0.00 0.51 25.77 6.13 1.51
< (99%)  (98.0%)  > 99%  > 99%  (92.7%) 
81,242 96,893 42,566 28,747 (5,809.7)
 (16.2%)  > 99%  48.1%  > 99%  < (99%) 
25,394 23,858 22,972 20,111 16,883
6.4%  3.9%  14.2%  19.1%  (3.8%) 
(31,447) 17,861 18,824 5,949.1 (13,697)
< (99%)  (5.1%)  > 99%  > 99%  < (99%) 
(210.5) (512.9) (462.4) (405.4) 968.4
59.0%  (10.9%)  (14.1%)  < (99%)  (50.9%) 
82,379 52,839 31,550 24,626 22,143
55.9%  67.5%  28.1%  11.2%  (1.7%) 
(742,515) (737,633) (642,338) (544,167) (477,556)
(0.7%)  (14.8%)  (18.0%)  (13.9%)  (0.1%) 
(325,333) (311,232) (298,749) (244,087) (220,899)
(4.5%)  (4.2%)  (22.4%)  (10.5%)  (10.5%) 
(22,522) (15,815) (19,424) (15,775) (13,716)
(42.4%)  18.6%  (23.1%)  (15.0%)  0.6% 
(3,209.6) 6,630.7 (8,762.7) -- --
< (99%)  > 99%  -- -- --
(391,450) (417,217) (315,402) (284,305) (242,941)
6.2%  (32.3%)  (10.9%)  (17.0%)  7.8% 
181,768 258,546 213,255 258,818 246,128
(29.7%)  21.2%  (17.6%)  5.2%  23.6% 
54,335 83,372 68,361 75,588 86,395
(34.8%)  22.0%  (9.6%)  (12.5%)  (1.1%) 
127,433 175,174 144,895 183,230 159,733
(27.3%)  20.9%  (20.9%)  14.7%  42.9% 
(7,945.1) (8,375.1) (6,334.3) (6,384.4) (6,302.1)
5.1%  (32.2%)  0.8%  (1.3%)  (27.3%) 
2,758.2 3,144.4 3,177.3 2,316.8 --
(12.3%)  (1.0%)  37.1%  -- --
122,246 169,943 141,738 179,162 153,431
(28.1%)  19.9%  (20.9%)  16.8%  43.6% 

-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
122,246 169,943 141,738 179,162 153,431
(28.1%)  19.9%  (20.9%)  16.8%  43.6% 

122,246 169,943 141,738 179,162 153,431

(28.1%)  19.9%  (20.9%)  16.8%  43.6% 
122,246 169,943 141,738 179,162 153,431
(28.1%)  19.9%  (20.9%)  16.8%  43.6% 
7,665.6 7,465.7 6,947.8 6,714.7 6,352.0
2.7%  7.5%  3.5%  5.7%  0.0% 
15.95 22.76 20.40 26.68 24.15
(29.9%)  11.6%  (23.5%)  10.5%  43.5% 
15.95 22.76 20.40 26.68 24.15
(29.9%)  11.6%  (23.5%)  10.5%  43.5% 
122,246 169,943 141,738 179,162 153,431
(28.1%)  19.9%  (20.9%)  16.8%  43.6% 
7,665.6 7,466.0 6,947.8 6,714.7 6,352.0
2.7%  7.5%  3.5%  5.7%  0.0% 
15.95 22.76 20.40 26.68 24.15
(29.9%)  11.6%  (23.5%)  10.5%  43.5% 
15.95 22.76 20.40 26.68 24.15
(29.9%)  11.6%  (23.5%)  10.5%  43.5% 

2.60 3.50 3.00 4.15 3.50

(25.7%)  16.7%  (27.7%)  18.6%  16.7% 
20,183 26,482 22,397 28,387 23,487
(23.8%)  18.2%  (21.1%)  20.9%  23.3% 
3,420.1 (6,117.8) 9,225.1 405.4 (968.4)
> 99%  < (99%)  > 99%  > 99%  50.9% 
185,188 252,428 222,481 259,224 245,160
(26.6%)  13.5%  (14.2%)  5.7%  24.3% 
1,022.4 (1,972.8) 2,957.2 118.4 (339.9)
> 99%  < (99%)  > 99%  > 99%  60.8% 
55,357 81,399 71,318 75,707 86,055
(32.0%)  14.1%  (5.8%)  (12.0%)  (0.6%) 
129,831 171,029 151,163 183,517 159,105
(24.1%)  13.1%  (17.6%)  15.3%  43.7% 
124,644 165,798 148,006 179,449 152,803
(24.8%)  12.0%  (17.5%)  17.4%  44.5% 
16.26 22.21 21.30 26.72 24.06
(26.8%)  4.3%  (20.3%)  11.1%  44.5% 
16.26 22.21 21.30 26.72 24.06
(26.8%)  4.2%  (20.3%)  11.1%  44.5% 
22,522 15,815 19,424 15,775 13,716
42.4%  (18.6%)  23.1%  15.0%  (0.6%) 
21,815 17,441 2,351.5 2,112.4 1,391.6
25.1%  > 99%  11.3%  51.8%  (4.6%) 
6,096.8 7,968.7 6,095.4 6,436.7 3,426.6
(23.5%)  30.7%  (5.3%)  87.8%  (20.7%) 
 2,758.2 3,144.4 3,177.3 2,316.8 1,438.5
(12.3%)  (1.0%)  37.1%  61.1%  --
(7,945.1) (8,375.1) (6,334.3) (6,384.4) (6,302.1)
5.1%  (32.2%)  0.8%  (1.3%)  (27.3%) 
-- -- -- -- --
-- -- -- -- --
2,854.1 2,629.1 2,537.6 1,867.6 1,979.8
8.6%  3.6%  35.9%  (5.7%)  3.9% 
-- -- -- -- --
-- -- -- -- --
1,298,237 1,241,109 1,054,655 937,419 877,133
4.6%  17.7%  12.5%  6.9%  10.0% 

53,504 93,753 56,506 82,580 79,599

(42.9%)  65.9%  (31.6%)  3.7%  8.4% 
53,504 93,753 56,506 82,580 79,599
(42.9%)  65.9%  (31.6%)  3.7%  8.4% 
-- -- -- -- --
-- -- -- -- --
831.8 (10,496) 11,737 (7,010.9) 6,916.5
> 99%  < (99%)  > 99%  < (99%)  (50.5%) 
831.8 (10,496) 11,737 (7,010.9) 6,916.5
> 99%  < (99%)  > 99%  < (99%)  (50.5%) 
-- -- -- -- --
-- -- -- -- --
54,335 83,372 68,361 75,588 86,395
(34.8%)  22.0%  (9.6%)  (12.5%)  (1.1%) 
-- -- -- (340.6) (204.1)
-- -- -- (66.9%)  < (99%) 
(0.40) 115.4 118.5 359.6 83.90
< (99%)  (2.6%)  (67.0%)  > 99%  (12.4%) 
91,273 -- 67,686 45,026 48,989
-- -- 50.3%  (8.1%)  (13.0%) 
60,551 -- 50,811 47,250 42,456
-- -- 7.5%  11.3%  57.9% 
16,168 -- 16,470 18,237 16,960
-- -- (9.7%)  7.5%  13.3% 
0.30 -- 4,386.8 3,386.9 3,704.4
-- -- 29.5%  (8.6%)  (75.1%) 
(61,398) -- (46,072) (36,908) (24,099)
-- -- (24.8%)  (53.1%)  (22.3%) 
75,952 -- 42,089 13,059 10,295
 -- -- > 99%  26.9%  (46.6%) 
-- -- -- 0.00 (327.1)
-- -- -- > 99%  --
91,303 -- 67,686 53,885 55,104
-- -- 25.6%  (2.2%)  (16.2%) 
30.33 -- -- 8,859.8 6,115.2
-- -- -- 44.9%  (35.2%) 
60,551 -- 50,811 47,250 42,456
-- -- 7.5%  11.3%  57.9% 
16,168 -- 16,470 18,237 16,960
-- -- (9.7%)  7.5%  13.3% 
(61,398) -- (46,072) (36,908) (24,099)
-- -- (24.8%)  (53.1%)  (22.3%) 
-- -- -- 0.00 (327.1)
-- -- -- > 99%  --

INR 2.60 F INR 3.50 F INR 1.50 F INR 4.15 F INR 3.50 F
(31-Mar) (31-Mar) (31-Mar) (31-Mar) (31-Mar)
Pd.End  Pd.End  Pd.End  Pd.End  Pd.End 
INR 1.50 I
(30-Sep)
-- -- Pd.End  -- --
0
-- (22-Nov)  -- -- --
State Bank of India | Balance Sheet                                11-Sep-2021 21:31

Balance Sheet
Annual Common Size (% of Total Assets) , Consolidated
2021 2020 2019 2018 2017
Earnings Quality Score 28  58  20  10  39 
Period End Date 31-Mar-2021  31-Mar-2020  31-Mar-2019  31-Mar-2018  31-Mar-2017 
Assets (INR Millions)
Cash & Due from Banks 7.51% 6.65% 7.15% 7.22% 8.04%
Other Earning Assets, Total 34.06% 30.31% 29.38% 33.05% 32.26%
Interest-earning Deposits 0.24% 0.07% 0.13% 0.11% 1.41%
FedFundsSold/ScrtyPurch UnderResale 1.18% 1.27% 0.55% 0.30% 1.12%
Trading Account Assets 5.45% 4.47% 4.28% 4.01% 3.34%
Other Short Term Investments 3.22% 3.21% 3.01% 3.42% 3.49%
Securities Held 23.97% 21.29% 21.40% 25.21% 22.91%
Total Investment Securities 23.97% 21.29% 21.40% 25.21% 22.91%
Net Loans 49.85% 54.62% 55.23% 51.98% 52.43%
Property/Plant/Equipment, Total - Gross 1.46% 1.62% 1.65% 1.76% 2.07%
Buildings - Gross 0.64% 0.74% 0.81% 0.86% 1.22%
Construction in Progress - Gross 0.01% 0.01% 0.02% 0.03% 0.02%
Other Property/Plant/Equipment - Gros 0.81% 0.86% 0.82% 0.88% 0.83%
Property/Plant/Equipment, Total - Net 0.83% 0.95% 1.05% 1.14% 1.48%
Accumulated Depreciation, Total (0.63%) (0.66%) (0.60%) (0.62%) (0.59%)
Goodwill, Net 0.03% 0.04% 0.04% 0.05% 0.03%
Long Term Investments 0.28% 0.30% 0.09% 0.09% 0.08%
LT Investment - Affiliate Companies 0.28% 0.30% 0.09% 0.09% 0.08%
Other Long Term Assets, Total 0.15% 0.08% 0.28% 0.33% 0.14%
Defered Income Tax - Long Term Asset 0.15% 0.08% 0.28% 0.33% 0.14%
Other Assets, Total 7.29% 7.04% 6.77% 6.15% 5.54%
Interest Receivable 0.68% 0.70% 0.75% 0.77% 0.74%
Other Assets 6.61% 6.34% 6.03% 5.38% 4.80%
Total Assets 100.00% 100.00% 100.00% 100.00% 100.00%

Liabilities (INR Millions)

Accounts Payable 0.32% 0.37% 0.37% 0.44% 0.45%
Total Deposits 76.67% 78.00% 75.62% 75.27% 75.46%
Non-Interest Bearing Deposits 5.97% 5.47% 5.34% 5.28% 5.48%
Interest Bearing Deposits 70.70% 72.54% 70.28% 69.99% 69.98%
Total Short Term Borrowings 0.37% 0.64% 0.61% 0.74% 0.90%
Other Short Term Borrowings 0.37% 0.64% 0.61% 0.74% 0.90%
Total Long Term Debt 8.95% 7.93% 10.64% 10.21% 9.76%
 Long Term Debt 8.95% 7.93% 10.64% 10.21% 9.76%
Total Debt 9.32% 8.57% 11.26% 10.94% 10.66%
Deferred Income Tax 0.00% 0.00% 0.00% 0.00% 0.10%
Deferred Income Tax - LT Liability 0.00% 0.00% 0.00% 0.00% 0.10%
Minority Interest 0.20% 0.19% 0.16% 0.13% 0.19%
Other Liabilities, Total 7.81% 6.89% 6.57% 6.85% 6.83%
Reserves 0.33% 0.30% -- -- --
Other Liabilities 7.48% 6.59% 6.57% 6.85% 6.83%
Total Liabilities 94.31% 94.02% 93.97% 93.63% 93.70%

Shareholders Equity (INR Millions)

Common Stock, Total 0.02% 0.02% 0.02% 0.02% 0.02%
Common Stock 0.02% 0.02% 0.02% 0.02% 0.02%
Additional Paid-In Capital 1.63% 1.88% 2.03% 2.19% 1.61%
Retained Earnings (Accumulated Deficit) 3.27% 3.24% 3.15% 3.29% 3.49%
Unrealized Gain (Loss) 0.55% 0.59% 0.63% 0.69% 1.03%
Other Equity, Total 0.21% 0.24% 0.19% 0.18% 0.15%
Translation Adjustment 0.21% 0.24% 0.19% 0.18% 0.15%
Total Equity 5.69% 5.98% 6.03% 6.37% 6.30%

Total Liabilities & Shareholders' Equity 100.00% 100.00% 100.00% 100.00% 100.00%

Supplemental (INR Millions)

Total Common Shares Outstanding -- -- -- -- --
Shares Outs - Common Stock Primary Is -- -- -- -- --
Treas Shares - Common Stock Prmry Issue -- -- -- -- --
Minority Interest - Non Redeemable 0.20% 0.19% 0.16% 0.13% 0.19%
Total Equity & Minority Interest 5.89% 6.17% 6.19% 6.50% 6.49%
Full-Time Employees -- -- -- -- --
Number of Common Shareholders -- -- -- -- --
Goodwill - Net 0.03% 0.04% 0.04% 0.05% 0.03%
Leverage Ratio (Basel 3) -- -- -- -- --
Liquidity Coverage Ratio (Basel 3) -- -- -- -- --
Capital Adequacy - Core Tier 1 (Value) 5.02% 5.24% 5.05% 5.30% 5.58%
Capital Adequacy - Hybrid Tier 1 (Value) 0.66% 0.62% 0.52% 0.36% 0.27%
Capital Adequacy -Tier 1 Capital (Value) 5.68% 5.86% 5.57% 5.66% 5.85%
Capital Adequacy -Tier 2 Capital (Value) 1.10% 1.07% 1.06% 1.18% 1.47%
Capital Adequacy - Total Capital (Value) 6.78% 6.93% 6.63% 6.84% 7.32%
Total Risk-Weighted Capital 48.56% 52.15% 51.64% 53.79% 56.17%
Capital Adequacy - Core Tier 1 Capital % -- -- -- -- --
Capital Adequacy - Tier 1 Capital % -- -- -- -- --
Capital Adequacy - Tier 2 Capital % -- -- -- -- --
Capital Adequacy - Total Capital % -- -- -- -- --
Trading Account 5.45% 4.47% 4.28% 4.01% 3.34%
Credit Exposure 63.21% 69.36% 70.57% 68.20% 69.56%
Non-Performing Loans 2.65% 3.58% 4.46% 6.22% 5.20%
Assets under Management 9.15% 7.64% 6.76% 5.68% 4.90%
Tangible Book Value, Common Equity 5.65% 5.94% 5.99% 6.32% 6.28%
Debt & Lease, Pension Items (INR Millions)
Total Capital Leases, Supplemental -- -- -- -- --
Capital Lease Payments Due in Year 1 -- -- -- -- --
Capital Lease Payments Due in Year 2 -- -- -- -- --
Capital Lease Payments Due in Year 3 -- -- -- -- --
Capital Lease Payments Due in Year 4 -- -- -- -- --
Capital Lease Payments Due in Year 5 -- -- -- -- --
Capital Lease Payments Due in 2-3 Year -- -- -- -- --
Capital Lease Payments Due in 4-5 Year -- -- -- -- --
Cap. Lease Pymts. Due in Year 6 & Bey -- -- -- -- --
Total Operating Leases, Supplemental -- -- -- -- --
Operating Lease Payments Due in Year -- -- -- -- --
Operating Lease Payments Due in Year -- -- -- -- --
Operating Lease Payments Due in Year -- -- -- -- --
Operating Lease Payments Due in Year -- -- -- -- --
Operating Lease Payments Due in Year -- -- -- -- --
Operating Lease Pymts. Due in 2-3 Year -- -- -- -- --
Operating Lease Pymts. Due in 4-5 Year -- -- -- -- --
Oper. Lse. Pymts. Due in Year 6 & Beyo -- -- -- -- --
Total Funded Status (0.45%) (0.35%) (0.18%) (0.17%) (0.13%)
Pension Obligation - Domestic 2.88% 2.93% 2.77% 2.79% 2.72%
Plan Assets - Domestic 2.43% 2.58% 2.59% 2.61% 2.59%
Funded Status - Domestic (0.45%) (0.35%) (0.18%) (0.17%) (0.13%)
Period End Assumptions -- -- -- -- --
Discount Rate - Domestic -- -- -- -- --
Expected Rate of Return - Domestic -- -- -- -- --
Compensation Rate - Domestic -- -- -- -- --
Net Assets Recognized on Balance Sheet (0.45%) (0.35%) (0.18%) (0.17%) (0.13%)
Accrued Liabilities - Domestic (0.45%) (0.35%) (0.18%) (0.17%) (0.13%)
Other Assets, Net - Domestic -- -- -- -- 0.00%
Asset Allocation -- -- -- -- --
Debt Securities % - Domestic -- -- -- -- --
Other Investments % - Domestic -- -- -- -- --
Total Plan Obligations 2.88% 2.93% 2.77% 2.79% 2.72%
Total Plan Assets 2.43% 2.58% 2.59% 2.61% 2.59%
 2016 2015 2014 2013 2012
25  53  30  29  17 
31-Mar-2016  31-Mar-2015  31-Mar-2014  31-Mar-2013  31-Mar-2012 

8.82% 8.07% 5.38% 6.81% 6.97%

24.21% 27.22% 25.77% 24.27% 25.12%
0.13% 0.93% 0.82% -- --
0.43% 0.62% 0.88% -- --
2.86% 2.85% 2.80% -- --
2.46% 3.36% 2.82% -- --
18.33% 19.46% 18.45% -- --
18.33% 19.46% 18.45% 24.27% 25.12%
60.45% 60.78% 65.77% 65.28% 63.59%
1.12% 1.06% 1.08% 1.09% 1.09%
0.22% 0.17% 0.18% 0.18% 0.17%
0.03% 0.01% 0.01% 0.03% 0.02%
0.87% 0.87% 0.88% 0.88% 0.90%
0.51% 0.46% 0.44% 0.44% 0.40%
(0.60%) (0.60%) (0.64%) (0.65%) (0.69%)
0.03% 0.04% 0.04% 0.03% 0.04%
0.09% 0.09% 0.09% 0.08% 0.07%
0.09% 0.09% 0.09% 0.08% 0.07%
0.04% 0.04% 0.02% 0.03% 0.03%
0.04% 0.04% 0.02% 0.03% 0.03%
5.85% 3.31% 2.50% 3.06% 3.77%
0.72% 0.78% 0.81% 0.79% 0.83%
5.13% 2.53% 1.68% 2.27% 2.95%
100.00% 100.00% 100.00% 100.00% 100.00%

1.00% 0.95% 0.86% 0.83% 0.82%

75.86% 76.03% 76.75% 76.29% 77.31%
5.75% 5.67% 5.88% 6.38% 6.50%
70.12% 70.36% 70.86% 69.92% 70.81%
0.79% 0.92% 0.98% 1.14% 1.38%
0.79% 0.92% 0.98% 1.14% 1.38%
8.69% 9.06% 9.34% 9.55% 8.63%
 8.69% 9.06% 9.34% 9.55% 8.63%
9.48% 9.98% 10.32% 10.69% 10.01%
0.10% 0.10% 0.14% 0.03% 0.02%
0.10% 0.10% 0.14% 0.03% 0.02%
0.21% 0.20% 0.20% 0.20% 0.20%
7.27% 6.76% 5.57% 6.09% 5.84%
-- -- -- -- --
7.27% 6.76% 5.57% 6.09% 5.84%
93.92% 94.02% 93.85% 94.14% 94.19%

0.03% 0.03% 0.03% 0.03% 0.04%

0.03% 0.03% 0.03% 0.03% 0.04%
1.68% 1.53% 1.73% 1.48% 1.56%
4.10% 4.16% 4.11% 4.16% 4.05%
0.05% -- -- -- --
0.23% 0.25% 0.28% 0.19% 0.16%
0.23% 0.25% 0.28% 0.19% 0.16%
6.08% 5.98% 6.15% 5.86% 5.81%

100.00% 100.00% 100.00% 100.00% 100.00%

-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
0.21% 0.20% 0.20% 0.20% 0.20%
6.29% 6.18% 6.36% 6.06% 6.01%
-- -- -- -- --
-- -- -- -- --
0.03% 0.04% 0.04% 0.03% 0.04%
-- -- -- -- --
-- -- -- -- --
5.77% 5.49% 5.74% -- --
0.12% 0.21% 0.18% -- --
5.89% 5.70% 5.92% -- --
1.82% 1.51% 1.70% -- --
7.71% 7.21% 7.62% -- --
59.67% 60.09% 62.29% -- --
-- -- -- -- --
-- -- -- -- --
 -- -- -- -- --
-- -- -- -- --
2.86% 2.85% 2.80% -- --
80.66% 82.77% 86.97% 88.61% 87.21%
4.16% 2.76% 3.37% 2.40% 2.17%
4.36% 3.81% 3.22% 3.13% 2.63%
6.05% 5.94% 6.11% 5.83% 5.77%

-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
(0.24%) (0.10%) (0.15%) (0.29%) (0.63%)
2.80% 2.74% 2.76% 2.78% 2.98%
2.56% 2.64% 2.60% 2.50% 2.35%
(0.24%) (0.10%) (0.15%) (0.29%) (0.63%)
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
(0.24%) (0.10%) (0.14%) (0.25%) (0.58%)
(0.24%) (0.10%) (0.15%) (0.25%) (0.58%)
-- -- 0.00% -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
2.80% 2.74% 2.76% 2.78% 2.98%
2.56% 2.64% 2.60% 2.50% 2.35%
State Bank of India | Balance Sheet                                11-Sep-2021 21:31

Balance Sheet
Annual YoY Growth in Millions of Indian Rupees, Consolidated
2021 2020 2019 2018 2017
Earnings Quality Score 28  58  20  10  39 
Period End Date 31-Mar-2021  31-Mar-2020  31-Mar-2019  31-Mar-2018  31-Mar-2017 
Assets (INR Millions)
Cash & Due from Banks 3,638,305 2,792,489 2,782,043 2,609,851 2,768,764
1Y Growth 30.3%  0.4%  6.6%  (5.7%)  5.7% 
Other Earning Assets, Total 16,505,988 12,723,750 11,423,334 11,953,129 11,112,944
1Y Growth 29.7%  11.4%  (4.4%)  7.6%  54.5% 
Interest-earning Deposits 117,477 31,021 51,648 38,258 484,274
1Y Growth > 99%  (39.9%)  35.0%  (92.1%)  > 99% 
FedFundsSold/ScrtyPurch UnderResale 571,055 535,012 214,409 108,679 384,278
1Y Growth 6.7%  > 99%  97.3%  (71.7%)  > 99% 
Trading Account Assets 2,641,204 1,874,423 1,665,913 1,451,225 1,151,101
1Y Growth 40.9%  12.5%  14.8%  26.1%  35.6% 
Other Short Term Investments 1,559,678 1,347,680 1,169,477 1,238,079 1,201,917
1Y Growth 15.7%  15.2%  (5.5%)  3.0%  64.3% 
Securities Held 11,616,574 8,935,614 8,321,887 9,116,888 7,891,373
1Y Growth 30.0%  7.4%  (8.7%)  15.5%  44.9% 
Total Investment Securities 11,616,574 8,935,614 8,321,887 9,116,888 7,891,373
1Y Growth 30.0%  7.4%  (8.7%)  15.5%  44.9% 
Net Loans 24,156,223 22,927,742 21,475,559 18,797,288 18,063,524
1Y Growth 5.4%  6.8%  14.2%  4.1%  0.6% 
Property/Plant/Equipment, Total - Gross 708,784 678,257 641,677 636,281 714,280
1Y Growth 4.5%  5.7%  0.8%  (10.9%)  > 99% 
Buildings - Gross 311,300 310,944 316,010 309,332 421,076
1Y Growth 0.1%  (1.6%)  2.2%  (26.5%)  > 99% 
Construction in Progress - Gross 4,682 4,698 7,623 9,251 6,949
1Y Growth (0.3%)  (38.4%)  (17.6%)  33.1%  (11.6%) 
Other Property/Plant/Equipment - Gros 392,802 362,616 318,044 317,698 286,256
1Y Growth 8.3%  14.0%  0.1%  11.0%  10.7% 
Property/Plant/Equipment, Total - Net 401,668 400,782 407,031 412,258 509,407
1Y Growth 0.2%  (1.5%)  (1.3%)  (19.1%)  > 99% 
Accumulated Depreciation, Total (307,116) (277,475) (234,646) (224,023) (204,873)
1Y Growth (10.7%)  (18.3%)  (4.7%)  (9.3%)  (14.5%) 
Goodwill, Net 15,500 15,500 17,341 17,341 9,434
1Y Growth 0.0%  (10.6%)  0.0%  83.8%  (0.2%) 
Long Term Investments 133,546 125,127 35,201 31,750 28,417
1Y Growth 6.7%  > 99%  10.9%  11.7%  11.6% 
 LT Investment - Affiliate Companies 133,546 125,127 35,201 31,750 28,417
1Y Growth 6.7%  > 99%  10.9%  11.7%  11.6% 
Other Long Term Assets, Total 72,448 35,002 109,832 118,377 49,234
1Y Growth > 99%  (68.1%)  (7.2%)  > 99%  > 99% 
Defered Income Tax - Long Term Asset 72,448 35,002 109,832 118,377 49,234
1Y Growth > 99%  (68.1%)  (7.2%)  > 99%  > 99% 
Other Assets, Total 3,532,507 2,954,533 2,634,331 2,224,336 1,909,492
1Y Growth 19.6%  12.2%  18.4%  16.5%  9.8% 
Interest Receivable 327,708 293,446 290,472 280,024 256,111
1Y Growth 11.7%  1.0%  3.7%  9.3%  19.5% 
Other Assets 3,204,798 2,661,087 2,343,859 1,944,311 1,653,381
1Y Growth 20.4%  13.5%  20.5%  17.6%  8.4% 
Total Assets 48,456,185 41,974,923 38,884,671 36,164,330 34,451,216
1Y Growth 15.4%  7.9%  7.5%  5.0%  16.0% 

Liabilities (INR Millions)

Accounts Payable 153,092 154,771 142,330 159,960 156,643
1Y Growth (1.1%)  8.7%  (11.0%)  2.1%  (47.5%) 
Total Deposits 37,153,312 32,741,606 29,405,411 27,221,783 25,998,107
1Y Growth 13.5%  11.3%  8.0%  4.7%  15.3% 
Non-Interest Bearing Deposits 2,892,781 2,294,283 2,077,953 1,910,363 1,888,827
1Y Growth 26.1%  10.4%  8.8%  1.1%  10.7% 
Interest Bearing Deposits 34,260,532 30,447,323 27,327,457 25,311,420 24,109,280
1Y Growth 12.5%  11.4%  8.0%  5.0%  15.7% 
Total Short Term Borrowings 177,285 268,898 239,140 266,671 310,166
1Y Growth (34.1%)  12.4%  (10.3%)  (14.0%)  32.9% 
Other Short Term Borrowings 177,285 268,898 239,140 266,671 310,166
1Y Growth (34.1%)  12.4%  (10.3%)  (14.0%)  32.9% 
Total Long Term Debt 4,337,962 3,329,007 4,137,477 3,690,793 3,363,657
1Y Growth 30.3%  (19.5%)  12.1%  9.7%  30.3% 
Long Term Debt 4,337,962 3,329,007 4,137,477 3,690,793 3,363,657
1Y Growth 30.3%  (19.5%)  12.1%  9.7%  30.3% 
Total Debt 4,515,247 3,597,904 4,376,617 3,957,464 3,673,823
1Y Growth 25.5%  (17.8%)  10.6%  7.7%  30.5% 
Deferred Income Tax 37 66 42 54 33,620
1Y Growth (43.9%)  58.4%  (22.6%)  < (99%)  14.7% 
Deferred Income Tax - LT Liability 37 66 42 54 33,620
1Y Growth (43.9%)  58.4%  (22.6%)  < (99%)  14.7% 
Minority Interest 96,259 79,438 60,370 46,152 64,806
1Y Growth 21.2%  31.6%  30.8%  (28.8%)  3.4% 
Other Liabilities, Total 3,782,622 2,890,536 2,554,945 2,475,697 2,352,294
1Y Growth 30.9%  13.1%  3.2%  5.2%  9.0% 
 Reserves 160,054 124,442 -- -- --
1Y Growth 28.6%  -- -- -- --
Other Liabilities 3,622,569 2,766,094 2,554,945 2,475,697 2,352,294
1Y Growth 31.0%  8.3%  3.2%  5.2%  9.0% 
Total Liabilities 45,700,570 39,464,322 36,539,714 33,861,111 32,279,294
1Y Growth 15.8%  8.0%  7.9%  4.9%  15.7% 

Shareholders Equity (INR Millions)

Common Stock, Total 8,925 8,925 8,925 8,925 7,974
1Y Growth 0.0%  0.0%  0.0%  11.9%  2.7% 
Common Stock 8,925 8,925 8,925 8,925 7,974
1Y Growth 0.0%  0.0%  0.0%  11.9%  2.7% 
Additional Paid-In Capital 791,155 791,155 791,155 791,242 554,232
1Y Growth 0.0%  0.0%  (0.0%)  42.8%  11.4% 
Retained Earnings (Accumulated Deficit) 1,586,378 1,359,456 1,223,784 1,190,782 1,203,038
1Y Growth 16.7%  11.1%  2.8%  (1.0%)  (1.3%) 
Unrealized Gain (Loss) 266,254 248,825 246,539 248,480 355,939
1Y Growth 7.0%  0.9%  (0.8%)  (30.2%)  > 99% 
Other Equity, Total 102,904 102,240 74,554 63,791 50,739
1Y Growth 0.6%  37.1%  16.9%  25.7%  (25.5%) 
Translation Adjustment 102,904 102,240 74,554 63,791 50,739
1Y Growth 0.6%  37.1%  16.9%  25.7%  (25.5%) 
Total Equity 2,755,616 2,510,601 2,344,957 2,303,219 2,171,921
1Y Growth 9.8%  7.1%  1.8%  6.0%  20.3% 

Total Liabilities & Shareholders' Equity 48,456,185 41,974,923 38,884,671 36,164,330 34,451,216
1Y Growth 15.4%  7.9%  7.5%  5.0%  16.0% 

Supplemental (INR Millions)

Total Common Shares Outstanding 8,925 8,925 8,925 8,925 7,974
1Y Growth 0.0%  0.0%  0.0%  11.9%  2.7% 
Shares Outs - Common Stock Primary Is 8,925 8,925 8,925 8,925 7,974
1Y Growth 0.0%  0.0%  0.0%  11.9%  2.7% 
Treas Shares - Common Stock Prmry Issue 0 0 0 0 0
1Y Growth 0.0%  0.0%  0.0%  0.0%  0.0% 
Minority Interest - Non Redeemable 96,259 79,438 60,370 46,152 64,806
1Y Growth 21.2%  31.6%  30.8%  (28.8%)  3.4% 
Total Equity & Minority Interest 2,851,875 2,590,039 2,405,327 2,349,372 2,236,728
1Y Growth -- -- -- -- --
Full-Time Employees 245,652 249,448 257,252 264,041 209,567
1Y Growth (1.5%)  (3.0%)  (2.6%)  26.0%  0.9% 
Number of Common Shareholders 2,787,479 2,525,912 1,504,373 1,618,856 1,563,380
1Y Growth 10.4%  67.9%  (7.1%)  3.5%  (5.8%) 
Goodwill - Net 15,500 15,500 17,341 17,341 9,434
1Y Growth 0.0%  (10.6%)  0.0%  83.8%  (0.2%) 
Leverage Ratio (Basel 3) 5.39% 5.57% 5.25% 5.38% 5.37%
1Y Growth -- -- -- -- --
Liquidity Coverage Ratio (Basel 3) 159.06% 144.09% 125.96% 134.01% 146.53%
1Y Growth -- -- -- -- --
Capital Adequacy - Core Tier 1 (Value) 2,431,423 2,199,588 1,964,533 1,918,274 1,920,696
1Y Growth -- -- -- -- --
Capital Adequacy - Hybrid Tier 1 (Value) 321,837 260,371 200,842 129,354 94,184
1Y Growth -- -- -- -- --
Capital Adequacy -Tier 1 Capital (Value) 2,753,260 2,459,959 2,165,375 2,047,628 2,014,879
1Y Growth -- -- -- -- --
Capital Adequacy -Tier 2 Capital (Value) 534,007 450,670 410,824 427,439 507,553
1Y Growth -- -- -- -- --
Capital Adequacy - Total Capital (Value) 3,287,267 2,910,629 2,576,199 2,475,068 2,522,433
1Y Growth -- -- -- -- --
Total Risk-Weighted Capital 23,530,960 21,888,039 20,081,745 19,451,520 19,352,702
1Y Growth 7.5%  9.0%  3.2%  0.5%  9.2% 
Capital Adequacy - Core Tier 1 Capital % 10.33% 10.05% 9.78% 9.86% 9.92%
1Y Growth -- -- -- -- --
Capital Adequacy - Tier 1 Capital % 11.70% 11.24% 10.78% 10.53% 10.41%
1Y Growth 0.5%  0.5%  0.3%  0.1%  0.5% 
Capital Adequacy - Tier 2 Capital % 2.27% 2.06% 2.05% 2.19% 2.62%
1Y Growth -- -- -- -- --
Capital Adequacy - Total Capital % 13.97% 13.30% 12.83% 12.72% 13.03%
1Y Growth 0.7%  0.5%  0.1%  (0.3%)  0.1% 
Trading Account 2,641,204 1,874,423 1,665,913 1,451,225 1,151,101
1Y Growth 40.9%  12.5%  14.8%  26.1%  35.6% 
Credit Exposure 30,627,463 29,112,625 27,440,964 24,662,581 23,963,484
1Y Growth 5.2%  6.1%  11.3%  2.9%  0.0% 
Non-Performing Loans 1,281,685 1,501,307 1,735,896 2,251,045 1,791,666
1Y Growth (14.6%)  (13.5%)  (22.9%)  25.6%  45.1% 
Assets under Management 4,434,860 3,208,540 2,629,830 2,055,440 1,689,630
1Y Growth 38.2%  22.0%  27.9%  21.7%  30.5% 
Tangible Book Value, Common Equity 2,740,116 2,495,101 2,327,616 2,285,879 2,162,487
1Y Growth 9.8%  7.2%  1.8%  5.7%  20.4% 
Debt & Lease, Pension Items (INR Millions)
Total Capital Leases, Supplemental 1,523 1,493 757 554 119
1Y Growth 2.0%  97.1%  36.8%  > 99%  68.4% 
Capital Lease Payments Due in Year 1 427 337 186 125 39
1Y Growth 26.7%  81.8%  48.5%  > 99%  (6.3%) 
 Capital Lease Payments Due in Year 2 225 227 143 107 20
1Y Growth (0.9%)  58.7%  33.4%  > 99%  > 99% 
Capital Lease Payments Due in Year 3 225 227 143 107 20
1Y Growth (0.9%)  58.7%  33.4%  > 99%  > 99% 
Capital Lease Payments Due in Year 4 225 227 143 107 20
1Y Growth (0.9%)  58.7%  33.4%  > 99%  > 99% 
Capital Lease Payments Due in Year 5 225 227 143 107 20
1Y Growth (0.9%)  58.7%  33.4%  > 99%  > 99% 
Capital Lease Payments Due in 2-3 Year 450 454 286 214 40
1Y Growth (0.9%)  58.7%  33.4%  > 99%  > 99% 
Capital Lease Payments Due in 4-5 Year 450 454 286 214 40
1Y Growth (0.9%)  58.7%  33.4%  > 99%  > 99% 
Cap. Lease Pymts. Due in Year 6 & Bey 196 248 0 0 0
1Y Growth (20.8%)  > 99%  0.0%  0.0%  0.0% 
Total Operating Leases, Supplemental 3,593 7,741 8,674 10,742 18,072
1Y Growth (53.6%)  (10.8%)  (19.3%)  (40.6%)  (7.9%) 
Operating Lease Payments Due in Year 1,220 1,657 1,884 2,082 3,070
1Y Growth (26.4%)  (12.0%)  (9.5%)  (32.2%)  (8.6%) 
Operating Lease Payments Due in Year 509 1,240 1,396 1,534 2,973
1Y Growth (58.9%)  (11.2%)  (9.0%)  (48.4%)  (7.5%) 
Operating Lease Payments Due in Year 509 1,240 1,396 1,534 2,973
1Y Growth (58.9%)  (11.2%)  (9.0%)  (48.4%)  (7.5%) 
Operating Lease Payments Due in Year 509 1,240 1,396 1,534 2,973
1Y Growth (58.9%)  (11.2%)  (9.0%)  (48.4%)  (7.5%) 
Operating Lease Payments Due in Year 509 1,240 1,396 1,534 2,973
1Y Growth (58.9%)  (11.2%)  (9.0%)  (48.4%)  (7.5%) 
Operating Lease Pymts. Due in 2-3 Year 1,019 2,481 2,793 3,068 5,946
1Y Growth (58.9%)  (11.2%)  (9.0%)  (48.4%)  (7.5%) 
Operating Lease Pymts. Due in 4-5 Year 1,019 2,481 2,793 3,068 5,946
1Y Growth (58.9%)  (11.2%)  (9.0%)  (48.4%)  (7.5%) 
Oper. Lse. Pymts. Due in Year 6 & Beyo 336 1,122 1,205 2,525 3,110
1Y Growth (70.1%)  (6.8%)  (52.3%)  (18.8%)  (8.9%) 
Total Funded Status (218,773) (146,869) (68,474) (62,996) (46,327)
1Y Growth (49.0%)  < (99%)  (8.7%)  (36.0%)  33.8% 
Pension Obligation - Domestic 1,395,340 1,229,205 1,077,405 1,008,124 937,997
1Y Growth 13.5%  14.1%  6.9%  7.5%  12.9% 
Plan Assets - Domestic 1,176,567 1,082,336 1,008,931 945,128 891,670
1Y Growth 8.7%  7.3%  6.8%  6.0%  17.2% 
Funded Status - Domestic (218,773) (146,869) (68,474) (62,996) (46,327)
1Y Growth (49.0%)  < (99%)  (8.7%)  (36.0%)  33.8% 
Period End Assumptions -- -- -- -- --
1Y Growth -- -- -- -- --
 Discount Rate - Domestic -- -- -- 7.76% --
1Y Growth -- -- -- -- --
Expected Rate of Return - Domestic -- -- 7.79% 7.76% --
1Y Growth -- -- 0.0%  -- --
Compensation Rate - Domestic -- -- -- -- --
1Y Growth -- -- -- -- --
Net Assets Recognized on Balance Sheet (218,773) (146,869) (68,474) (62,996) (45,012)
1Y Growth (49.0%)  < (99%)  (8.7%)  (40.0%)  35.7% 
Accrued Liabilities - Domestic (218,773) (146,869) (68,474) (62,996) (45,669)
1Y Growth (49.0%)  < (99%)  (8.7%)  (37.9%)  34.7% 
Other Assets, Net - Domestic -- -- -- -- 658
1Y Growth -- -- -- -- --
Asset Allocation -- -- -- -- --
1Y Growth -- -- -- -- --
Debt Securities % - Domestic 176.61% 172.21% 161.85% 145.62% 157.39%
1Y Growth 4.4%  10.4%  16.2%  (11.8%)  (2.5%) 
Other Investments % - Domestic 23.39% 27.79% 38.15% 54.38% 42.61%
1Y Growth (4.4%)  (10.4%)  (16.2%)  11.8%  2.5% 
Total Plan Obligations 1,395,340 1,229,205 1,077,405 1,008,124 937,997
1Y Growth 13.5%  14.1%  6.9%  7.5%  12.9% 
Total Plan Assets 1,176,567 1,082,336 1,008,931 945,128 891,670
1Y Growth 8.7%  7.3%  6.8%  6.0%  17.2% 
 2016 2015 2014 2013 2012
25  53  30  29  17 
31-Mar-2016  31-Mar-2015  31-Mar-2014  31-Mar-2013  31-Mar-2012 

2,619,169 2,179,040 1,288,042 1,452,277 1,275,908

20.2%  69.2%  (11.3%)  13.8%  (17.9%) 
7,191,767 7,350,283 6,174,612 5,177,501 4,596,215
(2.2%)  19.0%  19.3%  12.6%  10.0% 
37,421 249,810 195,573 -- --
(85.0%)  27.7%  -- -- --
127,929 167,148 211,570 -- --
(23.5%)  (21.0%)  -- -- --
848,940 770,874 671,057 -- --
10.1%  14.9%  -- -- --
731,656 907,534 676,615 -- --
(19.4%)  34.1%  -- -- --
5,445,821 5,254,917 4,419,798 -- --
3.6%  18.9%  -- -- --
5,445,821 5,254,917 4,419,798 5,177,501 4,596,215
3.6%  18.9%  (14.6%)  12.6%  10.0% 
17,959,684 16,411,981 15,759,196 13,926,080 11,636,702
9.4%  4.1%  13.2%  19.7%  15.6% 
331,555 285,900 258,473 232,497 199,966
16.0%  10.6%  11.2%  16.3%  11.8% 
65,051 46,722 43,285 37,959 30,554
39.2%  7.9%  14.0%  24.2%  25.1% 
7,857 4,003 3,373 6,764 3,813
96.3%  18.7%  (50.1%)  77.4%  10.3% 
258,647 235,175 211,816 187,774 165,599
10.0%  11.0%  12.8%  13.4%  9.7% 
152,557 123,793 105,598 93,699 74,080
23.2%  17.2%  12.7%  26.5%  14.2% 
(178,998) (162,107) (152,876) (138,798) (125,886)
(10.4%)  (6.0%)  (10.1%)  (10.3%)  (10.4%) 
9,452 9,452 9,484 7,286 7,286
0.0%  (0.3%)  30.2%  (0.0%)  (5.3%) 
25,473 23,592 20,461 16,431 13,276
8.0%  15.3%  24.5%  23.8%  25.5% 
 25,473 23,592 20,461 16,431 13,276
8.0%  15.3%  24.5%  23.8%  25.5% 
11,617 9,495 4,256 5,943 5,345
22.3%  > 99%  (28.4%)  11.2%  --
11,617 9,495 4,256 5,943 5,345
22.3%  > 99%  (28.4%)  11.2%  --
1,739,256 893,464 598,168 652,366 690,749
94.7%  49.4%  (8.3%)  (5.6%)  15.4% 
214,285 209,489 194,472 167,505 151,217
2.3%  7.7%  16.1%  10.8%  --
1,524,972 683,974 403,696 484,861 539,533
> 99%  69.4%  (16.7%)  (10.1%)  (9.8%) 
29,708,976 27,001,100 23,959,816 21,331,583 18,299,562
10.0%  12.7%  12.3%  16.6%  11.0% 

298,330 255,632 205,975 177,780 150,504

16.7%  24.1%  15.9%  18.1%  29.4% 
22,538,576 20,529,608 18,388,524 16,274,026 14,146,894
9.8%  11.6%  13.0%  15.0%  12.7% 
1,706,798 1,530,654 1,409,458 1,359,955 1,189,560
11.5%  8.6%  3.6%  14.3%  (22.8%) 
20,831,778 18,998,954 16,979,065 14,914,072 12,957,334
9.6%  11.9%  13.8%  15.1%  17.6% 
233,357 249,046 235,484 243,936 251,647
(6.3%)  5.8%  (3.5%)  (3.1%)  (5.3%) 
233,357 249,046 235,484 243,936 251,647
(6.3%)  5.8%  (3.5%)  (3.1%)  (5.3%) 
2,582,144 2,446,635 2,237,597 2,037,232 1,579,914
5.5%  9.3%  9.8%  28.9%  10.9% 
2,582,144 2,446,635 2,237,597 2,037,232 1,579,914
5.5%  9.3%  9.8%  28.9%  10.9% 
2,815,501 2,695,681 2,473,081 2,281,168 1,831,560
4.4%  9.0%  8.4%  24.5%  8.4% 
29,309 26,672 33,990 7,191 3,254
9.9%  (21.5%)  > 99%  > 99%  > 99% 
29,309 26,672 33,990 7,191 3,254
9.9%  (21.5%)  > 99%  > 99%  > 99% 
62,674 54,971 49,092 42,539 37,257
14.0%  12.0%  15.4%  14.2%  25.1% 
2,158,663 1,824,661 1,335,451 1,298,549 1,067,793
18.3%  36.6%  2.8%  21.6%  (14.6%) 
 -- -- -- -- --
-- -- -- -- --
2,158,663 1,824,661 1,335,451 1,298,549 1,067,793
18.3%  36.6%  2.8%  21.6%  (14.6%) 
27,903,053 25,387,225 22,486,111 20,081,253 17,237,262
9.9%  12.9%  12.0%  16.5%  10.2% 

7,763 7,466 7,466 6,840 6,710

4.0%  0.0%  9.1%  1.9%  5.7% 
7,763 7,466 7,466 6,840 6,710
4.0%  0.0%  9.1%  1.9%  5.7% 
497,695 414,447 414,447 315,012 285,138
20.1%  0.0%  31.6%  10.5%  38.0% 
1,218,589 1,124,306 984,196 888,335 741,996
8.4%  14.2%  10.8%  19.7%  20.8% 
13,740 -- -- -- --
-- -- -- -- --
68,136 67,657 67,597 40,143 28,455
0.7%  0.1%  68.4%  41.1%  > 99% 
68,136 67,657 67,597 40,143 28,455
0.7%  0.1%  68.4%  41.1%  > 99% 
1,805,924 1,613,875 1,473,705 1,250,330 1,062,300
11.9%  9.5%  17.9%  17.7%  27.3% 

29,708,976 27,001,100 23,959,816 21,331,583 18,299,562

10.0%  12.7%  12.3%  16.6%  11.0% 

7,763 7,466 7,466 6,840 6,710

4.0%  0.0%  9.1%  1.9%  5.7% 
7,763 7,466 7,466 6,840 6,710
4.0%  0.0%  9.1%  1.9%  5.7% 
0 0 0 -- --
0.0%  0.0%  -- -- --
62,674 54,971 49,092 42,539 37,257
14.0%  12.0%  15.4%  14.2%  25.1% 
1,868,598 1,668,847 1,522,797 1,292,869 1,099,557
-- -- -- -- --
207,739 213,238 222,033 228,296 215,481
(2.6%)  (4.0%)  (2.7%)  5.9%  (3.3%) 
1,659,640 1,213,747 855,889 793,369 842,486
 36.7%  41.8%  7.9%  (5.8%)  15.6% 
9,452 9,452 9,484 7,286 7,286
0.0%  (0.3%)  30.2%  (0.0%)  (5.3%) 
5.24% -- -- -- --
-- -- -- -- --
77.21% 81.19% -- -- --
-- -- -- -- --
1,714,292 1,482,140 1,375,098 -- --
-- -- -- -- --
35,505 57,872 42,578 -- --
-- -- -- -- --
1,749,797 1,540,012 1,417,676 -- --
-- -- -- -- --
540,343 407,786 407,930 -- --
-- -- -- -- --
2,290,140 1,947,798 1,825,606 -- --
-- -- -- -- --
17,726,836 16,225,743 14,925,352 -- --
9.3%  8.7%  -- -- --
9.67% 9.13% 9.21% -- --
-- -- -- -- --
9.87% 9.49% 9.50% 9.46% 9.65%
0.4%  (0.0%)  0.0%  (0.2%)  1.6% 
3.05% 2.51% 2.73% -- --
-- -- -- -- --
12.92% 12.00% 12.23% 12.82% 13.68%
0.9%  (0.2%)  (0.6%)  (0.9%)  1.4% 
848,940 770,874 671,057 -- --
10.1%  14.9%  -- -- --
23,961,873 22,347,970 20,838,248 18,901,318 15,959,488
7.2%  7.2%  10.2%  18.4%  8.0% 
1,234,639 746,266 807,370 511,894 396,765
65.4%  (7.6%)  57.7%  29.0%  56.7% 
1,294,480 1,027,460 771,040 666,930 480,640
26.0%  33.3%  15.6%  38.8%  9.4% 
1,796,471 1,604,423 1,464,222 1,243,045 1,055,014
12.0%  9.6%  17.8%  17.8%  27.6% 

71 92 122 138 79
(22.8%)  (25.1%)  (11.2%)  74.1%  > 99% 
42 42 42 32 18
(1.7%)  1.0%  31.8%  74.7%  > 99% 
 7 12 20 26 15
(41.1%)  (38.7%)  (24.1%)  73.8%  > 99% 
7 12 20 26 15
(41.1%)  (38.7%)  (24.1%)  73.8%  > 99% 
7 12 20 26 15
(41.1%)  (38.7%)  (24.1%)  73.8%  > 99% 
7 12 20 26 15
(41.1%)  (38.7%)  (24.1%)  73.8%  > 99% 
15 25 40 53 30
(41.1%)  (38.7%)  (24.1%)  73.8%  > 99% 
15 25 40 53 30
(41.1%)  (38.7%)  (24.1%)  73.8%  > 99% 
0 0 0 0 0
0.0%  0.0%  0.0%  0.0%  0.0% 
19,624 13,209 9,758 9,386 6,541
48.6%  35.4%  4.0%  43.5%  33.8% 
3,359 2,621 2,096 1,924 1,379
28.2%  25.1%  8.9%  39.5%  8.9% 
3,213 2,092 1,521 1,438 1,030
53.6%  37.5%  5.8%  39.5%  38.1% 
3,213 2,092 1,521 1,438 1,030
53.6%  37.5%  5.8%  39.5%  38.1% 
3,213 2,092 1,521 1,438 1,030
53.6%  37.5%  5.8%  39.5%  38.1% 
3,213 2,092 1,521 1,438 1,030
53.6%  37.5%  5.8%  39.5%  38.1% 
6,426 4,183 3,043 2,875 2,061
53.6%  37.5%  5.8%  39.5%  38.1% 
6,426 4,183 3,043 2,875 2,061
53.6%  37.5%  5.8%  39.5%  38.1% 
3,414 2,222 1,577 1,713 1,040
53.6%  40.9%  (7.9%)  64.6%  63.5% 
(69,989) (28,236) (36,899) (60,866) (114,399)
< (99%)  23.5%  39.4%  46.8%  46.0% 
830,626 740,727 660,400 593,972 544,707
12.1%  12.2%  11.2%  9.0%  10.1% 
760,637 712,491 623,502 533,106 430,308
6.8%  14.3%  17.0%  23.9%  52.0% 
(69,989) (28,236) (36,899) (60,866) (114,399)
< (99%)  23.5%  39.4%  46.8%  46.0% 
-- -- -- -- --
-- -- -- -- --
 -- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
-- -- 5.00% -- --
-- -- -- -- --
(69,989) (28,236) (34,512) (54,092) (105,730)
< (99%)  18.2%  36.2%  48.8%  45.9% 
(69,989) (28,236) (35,321) (54,092) (105,730)
< (99%)  20.1%  34.7%  48.8%  45.9% 
-- -- 809 -- --
-- -- -- -- --
-- -- -- -- --
-- -- -- -- --
159.87% 168.85% 170.59% 170.75% 150.36%
(9.0%)  (1.7%)  (0.2%)  20.4%  12.0% 
40.13% 31.15% 29.41% 29.25% 49.64%
9.0%  1.7%  0.2%  (20.4%)  (12.0%) 
830,626 740,727 660,400 593,972 544,707
12.1%  12.2%  11.2%  9.0%  10.1% 
760,637 712,491 623,502 533,106 430,308
6.8%  14.3%  17.0%  23.9%  52.0%