Try and find even on slippage ratio. (State bank of india.

(importantadd)
FY11of sbi has turned out to be a lost year as the new management under pradip chaudari has embarked on a clean-up exercise.

Company Background

SBI

SBI is Indias largest commercial bank with a balance sheet size of ~Rs12 tn and a market cap of ~1.5 tn. It has over 13500 branches on a standalone basis and over 17000 branches including associates. Along with its associates, it has a market share of around ~22.5% in advances and deposits. Over the past two years, the bank has increased its focus on retail credit to provide itself the necessary growth momentum and improve spreads. Retail credit forms 21% of its total loan book. Further, to manage operations better, SBI has integrated its treasury operations and has a common technology platform across all its six subsidiary banks. The bank is in process of merging its associate banks with itself with two mergers consummated so far. The merger of all associate banks would help draw synergies in operations besides expanding the reach of the parent bank.

Casa ratio: SBIs marketing efforts and improved CBS coverage have helped the bank grow its CASA
rapidly in the last few quarters

Asset size comparison(take data from centrum report page no52

trend in loan book composition)

Trend in branch network

SBI has been fairly aggressive in expanding its branch network under Mr Bhatts reign. As evident in the chart below, the bank has added ~4200 branches during FY07-11 vs ~230 branch additions during FY02-07. With its already exhaustive branch network further expanded, the incremental branch additions are likely to be relatively lesser.
Y/E March FY09 FY10 FY11A/E FY12E FY13E Baln. Sheet Structure Ratios (%) Loans/Deposits 73.1 78.6 81.0 79.6 77.9 Investments / Deposits 37.2 35.5 31.7 37.8 30.9 CASA Ratio 41.6 47.3 46.0 44.5 45.0 Loan Growth 30.2 16.5 19.8 17.9 18.4 Deposit Growth 38.1 8.4 16.1 20.0 21.0 Non-interest income/Net income 37.8 38.7 32.7 33.8 34.0

Icici bank(Milan)
Incorporated in 1994, ICICI Bank is Indias second largest bank and the largest among private banks with total assets of about INR 4.1 tn as of Mar 2011. The bank has a network of over 2500 branches and over 6100 ATMs. The banks focus is on retail lending with retail financing representing ~40% of total loans and advances while International and corporate sectors are the new growth drivers. The bank holds near market leadership in almost all its businesses including mortgages, auto loans, commercial vehicle loans, life insurance, general insurance, and asset management. Its subsidiaries ICICI venture funds, Pru ICICI

AMC, ICICI securities, ICICI prudential, and ICICI Lombard are amongst the leading companies in their respective fields.

Shareholders patterns

one year stock performance

Segment wise composition of loan

Bank of india
Bank of India is the fourth largest state owned bank, with a balance sheet size of~ Rs 3.5tn. It has a pan-India presence and about 3,500 branches. The banks overseas network extends to 29 branches/offices, accounting for ~19% of its business. All the branches are on CBS platform. Besides core banking operations, BoI has ventured into the lifeinsurance business, in partnership with Union Bankof India and Dai-Chi Mutual Life Insurance (Star Union Dai-ichi Life InsuranceCo. Ltd). Moreover, BoI is planning to re-enter mutual fund business by buying out a majority stake in Bharti AXA MF.

Share holders patterns

one year index perfermoncee

Trend in loan composition