1. Annual Results FY 2011-12 THE BANKER TO EVERY INDIAN

2. Healthy Growth in NII and Operating Profit - a Snapshot (1/2) Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Interest Income 217212858331.59 Interest Expenses 136631699224.36 Net Interest Income 80581159143.84 Other Income 4815537711.66 Staff Expenses 446147496.45 Overheads 2333262212.40 Operating Expenses 679473718.50 Operating Profit 6080959757.85 81394 10652130.87 48868 6323029.39 32526 4329133.10 15825 14351(9.31) 15212 1697411.59 7804 909516.54 23015 2606913.27 25336 3157424.62 Rs. In Crores 2

3. Net Profit up by 42% - a Snapshot (2/2) Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Operating Profit6080 959757.85 Total Provisions6059 5547(8.46) Income Tax1902 240626.51 Loan Loss3264 2837(13.08) Investment Depreciation 304 27(91.01) Of which: Dom. Equity 161 113(29.57) Dom. Bonds130 (14)(111.12) Foreign Operations14 (72)(621.02) Standard Assets631 375(40.60) Other Provisions(43) (99)(132.03) Net Profit21 405019295.80 Rs. In Crores 3 25336 3157424.62 170711986616.37 669067761.29 87921154631.32 6476642.62 159142(10.66) 4704965.57 182542.02 9779790.23 (34)(98)(187.79) 82651170741.66

4. Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% 16257 2214136.20 5305 630718.88 160 135(15.49) 21721 2858331.59 59976 8107835.18 20062 2430021.12 1356 1144(15.64) 81394 10652130.87 Rs. In Crores Components of Interest Income Interest on Loans Interest on Resources Other Sundry Interest Total Interest Income 4 Other Interest Income includes IT Refund of Rs.556 crores in FY11 and Rs.133 crores in FY12.

5. Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% 11943 1482224.10 907 119031.25 814 98020.45 13663 1699224.36 43235 5564428.70 2562 388651.68 3071 370020.48 48868 6323029.39 Rs. In Crores Components of Interest Expenses Interest on Deposits Interest on Borrowings Other Sundry Interest Total Interest Expenses 5 Other Sundry Interest Paid includes Interest of Rs.3395 crores paid on Tier II bonds of Rs.34671 crores as on 31.03.2012.

6. Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Fee Income3731 421613.00 Profit/loss on Sale of Investments 335 (26)(107.87) Of which; Domestic-Equity & MF 309 (42) Domestic-Bonds17 29 Foreign Operations8 (14) Forex Income245 33536.91 Dividend Income163 515216.61 Misc. Income342 337(1.58) Total Other Income4815 537711.66 11563120914.56 921(920)(199.86) 811(797) 43(150) 6827 14641432(2.18) 828767(7.29) 1049981(6.46) 1582514351(9.31) Components of Other Income Rs. In Crores 6

7. Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Loan Processing Charges1052117611.76 Commission on Govt. Busi.48767438.34 Commission on LCs Issued30734813.28 Commission on BGs Issued422385(8.82) Transaction Fees348712104.46 Core Power1751845.24 Commission on Collection10411611.84 Account Maintenance Charges 1541625.44 Cross Selling8810013.94 Miscellaneous594358(39.64) Total Fee Income3731421613.00 31032748(11.43) 1847213215.42 1139133717.42 127713193.34 1104166550.71 61368010.88 30839026.57 34038312.58 277227(17.92) 15551210(22.19) 11563120914.56 Components of Fee Income Rs. In Crores 7

8. Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% 3561 36963.79 901 105316.97 876 761(13.10) 25 2921068.00 4461 47496.45 65.66 64.43(1.23) 2333 262212.40 6794 73718.50 111821350320.76 4030*3471(13.88) 247326919.16 1565780(50.19) 152121697411.59 66.09 65.11(0.98) 7804909516.54 230152606913.27 Rs. In Crores Growth in Operating Expenses Contained Salary Provision for superannuation benefits Of which : Pension Gratuity Total Staff Expenses Staff expenses to Operating expenses (%) Overhead Expenses Total Operating Expenses 8 * Includes write back of Rs.8 crores on account of excess provision on Bonus

9. Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Rent & Taxes, Lighting50357514.30 Depreciation331300(9.35) DICGC Insurance1861944.79 P&T, Courier, Telex & Stamps, Telephone 10311411.09 Travelling expenses8810316.47 Repairs & Maintenance14892(37.79) Stationery, Printing1271302.12 Advt. & Publicity.118107(9.51) Misc expenses728100638.18 Total Overheads2333262212.40 1794206515.10 99010071.68 71781413.51 36343319.24 3884044.17 374373(0.25) 2552768.26 258207(19.87) 2663351531.98 7804909516.55 Components of Overheads Rs. In Crores 9

10. Profitability : Domestic & Foreign Offices (1/4) Indian Offices Foreign Offices Interest Income20642 2711231.34 Interest Expenses13020 1616724.17 Net Interest Income7622 1094443.59 Other Income4515 47896.05 Staff Expenses4412 46705.82 Overheads2132 247916.26 Operating Profit 5593858553.50 1079 147136.34 643 82528.21 436 64748.33 300 58895.84 49 7963.76 201 143(28.65) 487 1012107.76 Rs. In Crores 10 Q4 FY11Q4 FY12 YOY Gr.% Q4 FY11Q4 FY12 YOY Gr.%

11. Operating Profit :Domestic & Foreign Offices (2/4) Indian Offices Foreign Offices Rs. In Crores Q4 FY11Q4 FY12 YOY Gr.% Q4 FY11Q4 FY12 YOY Gr.% Operating Profit 5593858553.50 Total Provisions 57965349(7.72) Income Tax 1862223019.79 Loan Loss 30702754(10.29) Investment Depreciation 29099(65.97) Standard Assets 623368(41.01) Other Provisions (50)(102)(106.79) Net Profit (204)3235 487 1012107.76 263198(24.78) 40176335.92 19483(57.31) 14(72)(620.99) 87(9.53) 73(56.46) 224815 11

12. Profitability : Domestic & Foreign Offices (3/4) Indian Offices Foreign Offices Interest Income77247 10124331.06 Interest Expenses46503 6035629.79 Net Interest Income30744 4088732.99 Other Income14396 12970(9.90) Staff Expenses14990 1668111.28 Overheads7332 861517.50 Operating Profit 228182856125.17 4147 527827.27 2365 287421.52 1782 240434.90 1429 1381(3.38) 222 29332.14 472 4801.72 2518 301319.63 Rs. In Crores 12 FY11 FY12 YOY Gr.% FY11FY12 YOY Gr.%

13. Operating Profit :Domestic & Foreign Offices (4/4) Indian Offices Foreign Offices Rs. In Crores FY11FY12 YOY Gr.% FY11FY12 YOY Gr.% Operating Profit 228182856125.17 Total Provisions 160861893017.68 Income Tax 62446172(1.15) Loan Loss 83211126835.42 Investment Depreciation 6296391.50 Standard Assets 9389592.32 Other Provisions (44)(107)(142.42) Net Profit 6731963043.08 2518 301319.63 985936(4.93) 44660435.40 471278(41.02) 182542.06 3920(49.60) 109(12.94) 1534207734.12 13

14. Efficiency Ratios: Domestic & Foreign Offices (1/3) Rs. In Crores 14 Indian OfficesForeign OfficesWhole Bank Q4 FY11 Q4 FY12 Change (bps) Q4 FY11 Q4 FY12 Change (bps) Q4 FY11 Q4 FY12 Change (bps) ROA* (%) (0.07) 1.05112 0.63 1.831200.011.15114 RONW* (%) (1.53) 20.11 (22.91)# 2444 8.07 18.9810910.13 19.87 (21.99)# 2186 RWA (Rs. In crores) 723351 7301660.94% 99390 1088879.55%8227418390531.98% NIM (%) 3.334.28951.311.53223.073.8982 *annualised # based on weighted average of Equity infusion of Rs.7900 crores on 30.03.2012

15. Efficiency Ratios: Domestic & Foreign Offices (2/3) Rs. In Crores 15 Indian OfficesForeign OfficesWhole Bank FY11 FY12 Change (bps) FY11 FY12 Change (bps) FY11 FY12 Change (bps) ROA (%) 0.66 0.8216 1.09 1.36270.710.8817 RONW (%) 12.64 14.97 (17.05)# 441 13.78 12.09(169)12.84 14.36 (15.89)# 305 RWA (Rs. In crores) 723351 7301660.94% 99390 1088879.55%8227418390531.98% NIM 3.634.17541.371.67303.323.8553 #based on weighted average of Equity infusion of Rs.7900 crores on 30.03.2012

16. Cost to Income 47.6045.23(237) Operating Profit to NW 39.3643.02366 EPS (in Rs)130.15184.3141.61% Book Value Per Share (In Rs.) 1014121519.82% Provision Coverage Ratio 64.9568.10315 Efficiency Ratios – (3/3) Gross NPA3.284.44116 Net NPA1.631.8219 Tier I7.779.79202 Tier II4.214.07(14) CAR11.9813.86188 Mar 11Mar 12 Change (bps) Mar 11Mar 12 Change (bps) 16 ( in % )

17. Rs. In crores Quarterly Movement in Income Parameters 17 (Sequential Growth %) (9) (11) (12) (-11) (20) (8) (10) (1 ) (18)(4) (6) (-10) (19) (3) (-3) (32) (56) (-14) (13) (-99) (7484) (78) (16) (24)

18. NIMMar10Mar 11Jun 11Jul 11Aug11Sep11Oct 11Nov11Dec11Jan 12Feb12Mar 12 Domestic2.833.633.893.823.863.983.994.084.124.14 4.17 FOs1.481.371.661.591.621.701.771.751.721.821.791.70 18 Steady Increase in Net Interest Margin ( in % ) Cumulative NIM – Whole Bank

19. Yield on Advances /Yield on Assets Cost of Deposits 19 Domestic : Costs & Yields ( in % ) Yield on Advances Yield on Investments Cost of Funds Yield on Assets

20. Yield on Advances /Yield on Assets Cost of Deposits 20 International : Costs & Yields ( in % ) Yield on Advances Yield on Investments Cost of Funds Yield on Assets Cost of Deposits Cost of Funds

21. Rs. In crores Corporate Citizen 21 Income Tax Paid Income Tax Other Taxes Total Tax Paid FY 11: 6160 FY12: 6134 742276477329

22. RUPEE EARNED RUPEE SPENT Revenue & Expenditure 22 Mar 11Mar 12 Mar 11Mar 12 Interest on dep. Staff Expenses Overheads Income Tax Other Provisions Transfer to Res. Interest on Borr. ( in % ) Sundry Intt

23. Rs. In Crores Retail Deposits drive Growth Mar 11 Mar 12 YOY Gr Amt YOY Gr.% Whole Bank Deposits910674*104364713297414.60 Domestic Deposits863893*98221411832113.70 Deposits at FOs46781614331465231.32 Term Deposits433440*5240949065420.92 Of which: Retail TDs (%) 334270 (77.12) 412285 (78.67) 78015 (86.05) 23.34 Current Account (%) 107059 (12.39) 98273 (10.00) (8786)(8.21) Savings Bank (%) 323394 (37.43) 359847 (36.64) 3645311.27 CASA430453458120276676.43 CASA Ratio- Domestic49.8246.64(188) bps 23 *March-11 figures are PF deposits adjusted (Rs.23259 crores in Mar-11, NIL as on Mar-12).

24. Saving Bank Current Account 219 lac new accounts in FY121.5 lac new accounts in FY12 24 Number of Accounts (in lacs) Customer Acquisition Growth Accelerated YOY 16.7% 18.7% CAGR 7.0% CAGR YOY 6.0%

25. ( Share %) Diversified Exposure across Sectors 25 14 21 14 12 16 21 14 19 15 13 16 20 3 2 771802 Total 893613 Rs. In Crores

26. Whole BankDomestic Agri 26 Composition of Advances Growth (1/2) 15.8% 23.3% Growth YOY Rs. In crores International 24.1% Growth in $ terms is 8.8% 14.4%

27. Large CorporateMid Corporate SME 27 Composition of Advances Growth (2/2) 15.0% 6.4% 16.3% Retail 10.9% Rs. In crores Growth YOY

28. Rs. In crores 28 Diversified Exposure across Industries Product / Segment Mar 10Mar 11Mar 12 Level YOY Gr % % Share *Level YOY Gr % % Share * Total Infrastructure414327058770.379.15765038.388.56 Iron and Steel243863262233.774.234442836.194.97 Textiles247323222130.284.17349788.563.91 Engineering158252188038.262.832503114.402.80 Food Processing165732127528.372.762364111.122.65 Petroleum2542214776-41.881.911749018.371.96 Other metals & metal Products71151256976.651.6310983-12.621.23 Commercial Real Estate13967149997.391.949471-36.861.06 Gems and Jewellery5730839446.491.09928010.561.04 Construction708472091.760.93897324.471.00 Chemicals : Drugs & Pharma6320830131.341.0889257.521.00 Others517826477725.108.3910369360.0811.60 Total Deployment of Credit to Industries 24036830961028.8140.1237339620.6041.78 * Share % to Loan Book of the Bank

29. Rs. In crores 29 Infrastructure Credit InfrastructurePowerTelecomRoad & PortsOtherTotal Infra YOY %20.71(17.30)21.86(1.80)8.38 70587 Total Infra 76503 49 19 20 12 43 25 18 14 Share %

30. Break-up of Retail 30 Market Leader in Retail Advances LevelHomeAutoEduOther Per.Total Mar 1189913151361110148426164576 Mar 12102739183051256648817182427 Growth Abs. 128263169146539117851 YOY Growth % 14.2620.9413.200.8110.85 Rs. In crores 89913 Total 102739

31. Break-up of Direct Agri Across Sectors 31 Level Crop /Production LoansInvestment/Allied Credit Mar-113783730826 Mar-125401532996 Growth Abs.161782170 YOY Growth % 42.767.04 Agri Advances Share % Agri Advances (Direct and Indirect) are 17.60% of ANBC

32. 32 CD RATIO CD Ratio & Market Share DEPOSITS ADVANCES ( in % )

33. Rs. In crores Balance Sheet Size 33 LIABILITIES March 11Mar 12YOY Growth (%) Capital6356715.68 Reserves and Surpluses643518328029.42 Deposits910674104364714.60 Borrowings1195691270066.22 Other Liabilities & Provisions12850780915(37.03) Total Liabilities122373613355199.13 ASSETSMarch 11Mar 12YOY Growth (%) Cash & balances with RBI9439654076(42.71) Balance with banks & money at call and short notice284794308751.30 Investments2956013121985.61 Net Advances75671986757914.65 Fixed Assets4764546714.74 Other Assets437785311321.32 Total Assets122373613355199.13 Deposits: 78.1% of total resources Net Advances: 65.0% of Total Assets

34. Mar 11Mar 12 Contribution of Resources - % Share 76.3 9.5 9.8 78.2 5.3 6.3 2.8 2.6 34 5.8 3.5 ( in % ) 1223736 Total 1335519

35. 13.39% Capital Adequacy 35 CAR Tier II Tier I 13.86%11.98%

36. Rs. In crores / (%) Asset Quality 36 3.28%3.52% 4.61% 1.72% 1.63% 1.61% 2.22% NPA 4.19% 2.04% Sequentially Gross NPA Ratio is down by 17 bps and Net NPA Ratio by 40 bps. 59.23 Provision Coverage % 64.95 67.25 63.50 62.52 68.10 4.44% 1.82%

37. Movement of Net NPAs ( in % ) Net NPAs as onMar-10Mar-11Mar-12 Levels108701234715819

38. FY11Q1FY12Q2FY12Q3FY12Q4FY12FY12 Opening Level of Gross NPAs 195352532627768339464009825326 Cash Recovery38481199736102616034564 Up gradation 44991877103694231186973 Write off400760432041841049 Fresh Slippages18145612282708161438326936 Net Increase5791244261786152(422)14350 Closing Level of Gross NPAs 2532627768339464009839676 37 Recovery in W/o Accounts 970173225238326962 Movement of NPAs (1/2) Rs. In Crores

39. Break-up of NPAs 38 Rs. In crores NPAs by Sector Sector Mar 11Mar 12 Amt. % of NPAs Amt. % of NPAs Large Corporate 3530.325150.41 Mid Corporate 60053.51127477.21 SME78335.34119296.36 Agri45246.3777789.00 Retail43582.6541872.31 International22532.0625201.86 Total253263.28396764.44 Sector NPAs to Total NPAs (%)

40. Particulars Cash Recovery Up-gradation Write off Gross Reduction Fresh Slippages Net Increase CorpSMEAgriRetailIntl.Total 3953782194851261603 1809278747212363118 00138084 220465629412094424805 24171072462416164383 213416168(793)(426)(422) 39 Sector-wise Movement of NPAs – Q4FY12 (1/2) Rs. In crores

41. Particulars Cash Recovery Up-gradation Write off Gross Reduction Fresh Slippages Net Increase CorpSMEAgriRetailIntl.Total 1216116174710713694564 2610138592816863646973 64911093201231049 383230371784307785612586 10737713250382906112326936 690540953254(171)26714350 40 Sector-wise Movement of NPAs – FY12 (2/2) Rs. In crores

42. Industry Fresh Slippages during Total FY12 Q1FY12Q2FY12Q3FY12Q4FY12 Iron and Steel3713476674191804 Textiles4112894628141976 Engineering89 118112408 Agro Based14512682251141752 Aviation0011840 Infrastructure650621245541390 Gems & Jewellery117219570393 Paper/ Plastics7917232265638 Govt Sponsored10727410886575 Food Processing007267139 Metal071830154 Automobiles63535514185 Mining41597863241 Leather0174890263 Sugar011480149 Miscellaneous16041619220911816613 Grand Total367746976001348917864 41 NPA Position - Major Industries NPAs as on Share % 31.03.12 24829.85 19627.79 16746.65 16376.50 13615.40 12755.06 9763.87 9223.66 8843.51 8193.25 6562.60 4921.95 4391.74 1720.68 280.11 941237.38 25191100 Rs. In crores

43. Accounts Restructured Slippages As onDuring Total FY12 As on Mar 12 Mar 11Q1FY12Q2FY12Q3FY12Q4FY12 Under RBI's Scheme 18395000 0 0 Under Bank’s Scheme 159545645092188 5134 8395 24349 Total343495645092188 5134 8395 42744 % Slippages: 25.84% 42 Details of Standard Assets Restructured (1/4) As on Mar 11 During Total FY12 As on Mar 12 Q1FY12Q2FY12Q3FY12Q4FY12 Under RBI's Scheme 3134594648154418929756109 Under Bank’s Scheme 20052561114388117229304935 Total5139850176219321361590511044 Rs. In crores

44. Year of Restructuring Outstanding as on 31.03.2012 Grand TotalStandard CategoryNPA Category No. of A/CsAmount No. of A/Cs Amount No. of A/Cs Amount Upto Mar 0836112342481104113130 2008-092446546621474899299567 2009-101373148581123132382501620 2010-1140825466348028986022568 2011-122509857123147772195799 IBG34157323124711326 Total10805371689335311581470 6010 (16.2%) 43 Details of Standard Assets Restructured (2/4) Rs. In Crores Total restructured (Rs./ crs) - FY 10 ; 27657 : NPA – 1032 (3.73%) FY 11 ; 30783 : NPA – 2146 (6.97%)

45. Slippages during Sectors/IndustriesQ4FY12FY12 Textile626974 Iron & Steel55538 Aviation--1184 Power9419 Engineering--44 Hotels & Restaurant23363 Mining--13 Infra65 Sugar-- Pharma371411 Readymade-- Mfg-- Auto & Transport--39 Others2121799 Grand Total13615849 44 Break-up of Restructured Assets as on 31 st Mar 12 StandardNPAsTotal 64879057392 24946213115 121612712487 19233962319 16691661835 13282711599 1573--1573 13601681528 1357671424 758220978 882--882 832--832 70889797 8571183610407 31158601037168 Industry-wise details of Standard Assets Restructured (3/4) Rs. In Crores

46. Break-up of Others Slippages during Sectors/Industries Q4FY12FY12 Food Processing-- Paper--82 Chemicals73113 Cement-- CRE2398 Shipping & Transport-- Ceramic-- Non-Ferrous Metals-- IT39 Education inst-- Forging-- Agro based--939 Retail & Trading--68 Miscellaneous77460 Total (Others)2121799 Break-up of Re-structured Assets as on 31 st Mar 12 StandardNPAsTotal 1565--1565 666127793 381193574 501--501 397--397 394--394 380--380 376--376 129207336 22782309 300--300 111179290 353368 310910154124 8571183610407 Break-up of Other Industries Restructured (4/4) Rs. In Crores 45

47. 46 Manpower Planning 31.03.2009205896 31.03.2010200299 31.03.2011222933 31.03.2012215481

48. As on MetroUrban Semi- Urban RuralTotal 31.03.2009174420093323737211448 31.03.2010 186622403645474512496 31.03.2011 207924163909513813452 31.03.2012221825023995538214097 47 Branch Expansion No of e-SBIN branches merged during 2010-11 12185144120470

49. Expanding Footprint No. of Group Branches18266 19193 927 No. of SBI Domestic Branches13542 14097 555 No. of Overseas Branches156 173 17 No. of ATMs for the Group25005 27286 2281 No. of ATMs for SBI20084 22141 2057 Hits per day285 -- No. of Debit Cards (in lacs)728910182 No. of customers (in lacs)62.5789.63 27.06 No. of transactions (in lacs)457.74796.30 338.56 Registered mobile users (in lacs)10.1336.45 26.32 No. of financial transactions (in lacs) 49.30190.65 141.35 % of total transactions on alternate channels 27.6636.32866 bps Branches ATMs Debit Cards Internet Banking Mobile Banking Alternate Channels 48 66.52% (9377) of SBI branches are in rural & semi-urban areas Mar 11 Mar 12YOY Incr. Merchant Acquiring No. of transactions (in lacs)2.6210.197.57

50. Rs. In crores Balance Sheet Size - Consolidated 49 LIABILITIES March 11Mar 12YOY Growth (%) Capital6356715.68 Reserves and Surpluses8283610555927.43 Minority Interest2977372625.14 Deposits1255562141468912.67 Borrowings14247115799110.89 Other Liabilities & Provisions163417147320-9.85 Total Liabilities1647898182995611.05 ASSETSMarch 11Mar 12YOY Growth (%) Cash & balances with RBI11935079199-33.64 Balance with banks & money at call and short notice 359784839234.50 Investments4190664609499.99 Net Advances1006402116367015.63 Fixed Assets6487740814.20 Other Assets606167033816.04 Total Assets1647898182995611.05

51. Consolidated Financials Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% 300723991932.7 186392419629.8 114331572437.5 100711358334.9 215052960336.3 70656887(2.5) 64631027959.0 135281716626.9 79771214052.2 650769056.1 14695234256.3 224192(14.2) 12455042304.9 11363614719729.5 680868932031.2 455505787827.1 3420729835(12.8) 797588771310.0 21181220844.3 2533724772(2.2) 46518468560.7 332404085722.9 220602488412.8 111801597342.9 49563027.3 106851534343.6 Interest Earned Interest Paid Net Int. Income Other Income Operating Income Staff Exp. Overheads Operating Expenses Operating Profit Provisions Net Profit Share of Minority Net Profit- Group 50 Rs. In crores

52. Performance Highlights of Non-Banking Subsidiaries(1/4 ) 51 NameNature of Activity Date of Incorporation Total Income PATROE % SBI Capital Markets Ltd Investment Banker02.07.1986 491251 32.54 SBI Funds Management P Ltd Asset Management Company 07.02.1992 24861 19.88 SBI Life Insurance Company P Ltd Life Insurance11.10.2000 13831556 25.53 SBI DFHI Ltd Primary Dealer Trading in Govt. & Non Govt. Securities 04.05.1988 (15.06.2004) 20244 4.97 SBI Cards & Payment Services P Ltd Credit Cards15.05.1998 80138 11.99 SBI Global Factors Ltd Factoring & Forfeiting of Debts 13.03.2001 (23.03.2010) 296(66) -ve SBI Pension Funds P Ltd Pension Fund Manager14.12.2007 2(0.3) -ve SBI SG Global Securities Services P Ltd Custodial and Fund Accounting 16.05.2008 150.3 0.33 SBI General Insurance Company Ltd General Insurance24.02.2009 361(95) -ve Rs. In crores

53. SBI Cards & Payment Services Pvt. Ltd. SBI Funds Management Pvt.Ltd. Highlights of Non-Banking Subsidiaries(2/4) SBI Life Insurance Company Ltd. 52 PAT of Rs. 556 Cr. (YOY growth of 52%). Declared dividend @ 5%. Gross written Premium booked during the FY 12 Rs.13,134 Cr (YOY growth of 1.5%). Moves to FIRST position amongst Private Life Insurers in New Business Premium. Awarded “NDTV Profit Business Leadership Award’” for second consecutive year. Globally leads at Million Dollar Round Table. Maximum number of MDRT members, for third year in a row. PAT of Rs.38 Cr. (YOY growth of 443%). Increase in spends by 31% (Rs.8423 cr in FY 2012). Reduction in Provision / Write offs by 32%. New accounts opened during the year  4 lacs. Cards in Force as on March 2012  23 lacs. PAT of Rs.61 Cr. (YOY negative growth of 23%). Market share of average AUM increased to 6.32% as on March 2012 from 5.95% as on March 2011. 21 Fixed Maturity Plans launched in last quarter : Mobilisation Rs.5457cr. Nominated for Best Fund House of the Year in Fixed Income category - Bloomberg UTV Awards.

54. SBI DFHI Ltd. SBI Pension Fund Pvt.Ltd. SBI Capital Markets Ltd Highlights of Non-Banking Subsidiaries(3/4) 53 PAT of Rs.44 Cr. (YOY negative growth of 23%). Share in outright turnover amongst all market participants increase by more than 27% YOY. Regulatory targets for bidding commitments adhered to. Success Ratio 48% as against RBI stipulation of 40%. PAT of Rs. 251 Cr. (YOY negative growth of 28%). Ranked No.1 for FY12 : Mandated Lead Arranger- Global Project Finance Loans by Dealogic. Qualified Institutional Placement by Bloomberg. Recorded a net loss of Rs.33.45 lacs during the FY 2011-12. Regained the lead position amongst Pension Fund Managers in the Organised Sector schemes in YTD return terms. AUM organised sector Rs. 5,837 Cr., informal sector Rs. 184 Cr. Registers highest NAV in 6 out of 9 asset categories under 5 NPS schemes.

55. SBI General Insurance Co. Ltd. SBI SG Global Securities Services Pvt. Ltd. SBI Global Factors Ltd. Highlights of Non-Banking Subsidiaries(4/4) 54 Loss of Rs. 95 Cr. In FY12 as against loss of Rs. 27 Cr. In FY11. Gross written Premium Rs.250 Cr as against Rs.43 Cr. (YOY growth of 481%). Solvency Margin as on 31 st March 2012 is 10.23 as against Regulatory stipulation of 1.5. Loss of Rs. 66 Cr. In FY12 as against loss of Rs. 126 Cr. In FY11. The Company started making profits on a month on month basis from September 2011. Factoring turnover increased to Rs.9014 Cr. (YOY growth of 19%). PAT of Rs. 0.25 Cr. (YOY growth of 118%). Company started operating in the year 2010. It is a unique JV and the only one in the country catering to both Domestic and FII clients.

56. 56