Sbi - Financials Reports

^maVr` Q>oQ> ~H$ > dm{fH$ [anmoQ> 2011-12
146
State Bank of India > Annual Report 2011-12
31 2012 -
BALANCE SHEET OF STATE BANK OF INDIA AS ON 31ST MARCH 2012
(000 ) (000s omitted)
.
Schedule
No.
31.3.2012
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
/ CAPITAL AND LIABILITIES
Capital
...
...
671,04,48
634,99,90
...
...
83280,16,10
64351,04,42
...
...
1043647,36,23
933932,81,30
...
...
127005,56,80
119568,95,50
...
...
80915,09,46
105248,38,93
1335519,23,07
1223736,20,05

Reserves & Surplus
Deposits
-
Borrowings

Other Liabilities & Provisions
TOTAL
/ ASSETS

Cash and Balances with Reserve Bank of India
...
...
54075,93,86
94395,50,20
...
43087,22,63
28478,64,57
...
...
312197,61,03
295600,56,90
...
...
867578,89,01
756719,44,80
...
...
10
5466,54,92
4764,18,93
...
...
11
53113,01,62
43777,84,65
1335519,23,07
1223736,20,05

Balances with Banks and money at call and short notice
Investments
Advances

Fixed Assets

Other Assets
TOTAL
/ Contingent Liabilities
/ Bills for collection
...
...
12
`832605,33,43
`730484,60,45
...
...
`66959,85,00
`59904,98,25
/ Significant Accounting Policies ...

- / Notes to Accounts
...
...
17
...
18
C146 K146
147
SCHEDULES
1
SCHEDULE 1 CAPITAL
(000 )
(000s omitted)
31.3.2012
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
5000,00,00
5000,00,00
671,12,83
635,08,31
671,04,48
634,99,90
671,04,48
634,99,90
:
`10/- 500,00,00,000 ( 500,00,00,000)
Authorised Capital:
500,00,00,000 (Previous Year 500,00,00,000) shares of `10/- each
:
67,11,28,349 ( 63,50,83,106) `10/-
Issued Capital:
67,11,28,349 (Previous Year 63,50,83,106) Equity Shares of `10/- each
:
67,10,44,838 ( 63,49,98,991) `10/-
[ 1,69,77,498 ( 1,81,05,360)
84,88,749 ( 90,52,680) ].
Subscribed and Paid-up Capital:
67,10,44,838 (Previous year 63,49,98,991) Equity Shares of `10/- each
[The above includes 1,69,77,498 (Previous Year 1,81,05,360) Equity Shares
represented by 84,88,749 (Previous Year 90,52,680) Global Depository Receipts]
TOTAL
C147 K147
148
2
SCHEDULE 2 RESERVES & SURPLUS
(000 )
31.3.2012
( )
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
I.
(000s omitted)
31.3.2011

Statutory Reserves
Opening Balance
...
...
...
32512,22,28
37107,77,71
Additions during the year
...
...
...
3540,62,73
3331,85,57
Deductions during the year
...
...
...

II.
7927,41,00
36052,85,01
32512,22,28
Capital Reserves
Opening Balance
...
...
...
1493,71,10
1381,36,16
...
...
...
14,37,69
112,34,94
...
...
...
1508,08,79
III.
Share Premium
1493,71,10
Opening Balance
...
...
...
20658,58,29
20658,30,78
...
...
...
7864,05,01
27,51
...
...
...
8,78,72
28513,84,58
IV.
Foreign Currency Translation Reserve
20658,58,29
Opening Balance
...
...
...
608,73,19
644,95,63
...
...
...
1824,75,47
...
...
...

V.
36,22,44
2433,48,66
608,73,19
Revenue and Other Reserves*
Opening Balance
...
...
...
9077,45,63
5521,57,39
...
...
...
5694,09,50
3555,88,24
...
...
...
VI.
Balance of Profit and Loss Account
...
...
...
14771,55,13
9077,45,63
33,93
33,93
83280,16,10
64351,04,42
* ZmoQ> amOd Ed Ama{j{V`m| _|

(i) ( 1955 36
) `5,00,00 ( `5,00,00 )
(ii) Am`H$a A{Y{Z`_ 1961 H$s Ymam 36(1)(viii) Ho$ AVJV {deof Ama{jVr
`3737,00,00
( `2337,00,00 )
*Note: Revenue and Other Reserves include

(i)`5,00,00 thousand (Previous Year `5,00,00 thousand)
of Integration and Development Fund (maintained under
Section 36 of the State Bank of India Act, 1955)
(ii)Special Reserve under Section 36(1)(viii) of the
Income Tax Act, 1961 `3737,00,00 thousands
(Previous Year `2337,00,00 thousand)
TOTAL
C148 K148
149
3 GXpZp<]Ypy
SCHEDULE 3 DEPOSITS
(000 )
(000s omitted)
31.3.2012
@. I.
XpyB GXpZp<]Ypy
A.
Demand Deposits
(i) Vv@pu _u
From Banks
(ii) dY _u
From Others
II.
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
...
...
...
...
6969,88,04
8700,33,65
...
...
...
...
91480,43,79
122494,98,27
...
...
...
...
369156,31,01
330326,06,46
...
...
...
...
17405,94,82
13539,66,97
...
...
...
...
558634,78,57
458871,75,95
TOTAL
1043647,36,23
933932,81,30
VEO Vv@ GXpZp<]Ypy
Savings Bank Deposits

III. _p\<R GXpZp<]Ypy
Term Deposits
(i) Vv@pu _u
From Banks
(ii) dY _u
From Others
A. I.
WpZO Xu ]pApdpu @ GXpZp<]Ypy
B.
Deposits of Branches in India

II.
...
...
...
...
982214,07,48
887151,77,32
...
...
...
...
61433,28,75
46781,03,98
TOTAL
1043647,36,23
933932,81,30
WpZO @u Vp`Z PO ]pApdpu @ GXpZp<]Ypy

Deposits of Branches outside India
4 -
SCHEDULE 4 BORROWINGS
(000 )
(000s omitted)
31.3.2012
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
I.
-
Borrowings in India
(i)
Reserve Bank of India
(ii)
Other Banks
(iii)
Other Institutions and Agencies
(iv)
Capital Instruments
...
...
...
1100,00,00
...
...
...
5048,10,02
9032,64,26
...
...
...
3813,97,75
2368,29,33
(a) Innovative Perpetual Debt Instruments (IPDI) ...
...
2165,00,00
2165,00,00
(b) Subordinated Debt
...
34671,39,60
34671,39,60
() ()
() JmU F$U
...
...
TOTAL
C149 K149
36836,39,60
36836,39,60
45698,47,37
49337,33,19
150
4 - ()
SCHEDULE 4 BORROWINGS (Contd...)
(000 )
(000s omitted)
31.3.2012
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
II. -
Borrowings outside India
(i)
Borrowings and Refinance outside India
(ii) :
Capital Instruments:
...
...
...
78127,33,19
67444,20,11
...
3179,76,24
2787,42,20
TOTAL
81307,09,43
70231,62,31
@s[ YpuB GRAND TOTAL
127005,56,80
119568,95,50
4478,39,42
5294,47,86
()
Innovative Perpetual Debt Instruments (IPDI) ..
I II - /
Secured Borrowings included in I & II above
5
SCHEDULE 5 OTHER LIABILITIES AND PROVISIONS
(000 )
(000s omitted)
31.3.2012
I.
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
_zQuY <V[
Bills payable
II. dzOZ-@pYp{[Y _XpYpuGS (<S\[)
Inter-office adjustments (Net)
III. T}puQoWtO YpG
Interest accrued
IV. dY (e_Xu T}p\RpS _X<[O `v)
Others (including provisions)
...
...
...
...
20504,85,88
21703,49,78
...
...
...
...
20455,68,73
...
...
...
...
10742,54,95
8236,49,71
...
...
...
...
49667,68,63
54852,70,71
YpuB TOTAL
80915,09,46
105248,38,93
C150 K150
151
6
SCHEDULE 6 CASH AND BALANCES WITH RESERVE BANK OF INDIA
(000 )
(000s omitted)
31.3.2012
I.
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
`pP S@Qr (e_Xu <\Qu]r @Zu_r SpuJ> OPp \N{ _X<[O `v)
Cash in hand (including foreign currency notes and gold)
II. WpZOrY qZ\{ Vv@ Xu GXpZp<]Ypy

Balances with Reserve Bank of India
(i) Ep[t ApOu Xu
In Current Account
...
(ii) dY ApOpu Xu
In Other Accounts
...
11186,36,07
7476,55,39
...
...
...
42887,03,55
86916,41,66
...
...
...
2,54,24
2,53,15
YpuB TOTAL
54075,93,86
94395,50,20
7
SCHEDULE 7 BALANCES WITH BANKS AND MONEY AT CALL & SHORT NOTICE
(000 @pu F>pu> <QYp BYp `v)

(000s omitted)
31.3.2012
I.
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
WpZO Xu
In India
(i) Vv@pu Xu GXpZp<]Ypy
Balances with banks
(@) Ep[t ApOpu Xu

(a) In Current Accounts
...
...
...
...
820,02,23
1205,18,63
(b) In Other Deposit Accounts ...

(ii) XpyB dpvZ dT _tESp TZ T}pY RSZp<]
Money at call and short notice
...
...
...
3811,99,13
6,41,00
...
...
...
...
5995,24,93
2769,00,00
...
...
...
...
YpuB TOTAL
10627,26,29
3980,59,63
(A) dY GXp ApOpu Xu
(@) Vv@pu Xu
(a) With banks
(A) dY _zPpdpu Xu
(b) With other institutions
II. WpZO @u Vp`Z

Outside India
(i) Ep[t ApOpu Xu
In Current Accounts
...
(ii) dY GXp ApOpu Xu
In Other Deposit Accounts
...
(iii) XpzB dpvZ dT _tESp TZ T}pY RSZp<]
Money at call and short notice ...
...
...
...
23650,02,74
11669,09,70
...
...
...
422,14,68
1123,88,29
...
...
...
8387,78,92
11705,06,95
YpuB TOTAL
32459,96,34
24498,04,94
@s[ YpuB GRAND TOTAL
43087,22,63
28478,64,57
C151 K151
152
8
SCHEDULE 8 INVESTMENTS
I.
(000 )
(000s omitted)
31.3.2012
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
WpZO Xu <\<SRpS
Investments in India in :
(i) _Z@pZr T}<OWt<OYpy
Government Securities
(ii) dY dSsXpu<QO T}<OWt<OYpy
Other approved securities
(iii) ]uYZ
Shares
(iv) qL>VuEZ dpvZ VpzL>
Debentures and Bonds
(v) /
...
...
...
...
255833,61,37
230741,44,69
...
...
...
...
6,14,92
423,71,13
...
...
...
...
3337,59,99
8864,64,59
...
...
...
...
12999,14,27
15134,10,52
...
...
...
5460,99,83
4855,42,87
Others (Units of Mutual Funds, Commercial

Papers, Priority Sector Deposits etc.)
...
...
...
23383,46,96
25567,65,78
YpuB TOTAL
301020,97,34
285586,99,58
...
...
1866,27,62
2239,07,88
...
...
1602,78,14
1602,78,14
...
...
7707,57,93
6171,71,30
YpuB TOTAL
11176,63,69
10013,57,32
@s[ YpuB GRAND TOTAL (I & II)
312197,61,03
295600,56,90
( )
Subsidiaries and / or Joint Ventures

(including Associates)
...
(vi) ( , ,
II. WpZO @u Vp`Z <\<SRpS

Investments outside India in :
(i) _Z@pZr T}<OWt<OYpu Xu (e_Xu PpSrY T}p<R@ZN _X<[O `v)
Government Securities (including local authorities)
(ii) /
Subsidiaries and / or Joint Ventures abroad ...
(iii) dY <\<SRpS (]uYZ, qL>VuEZ dp<Q)
Other Investments (Shares, Debentures etc.) ...
III. WpZO Xu <\<SRpS

Investments in India :
(i) <\<SRpSpu @p _@[ XtY
Gross Value of Investments
...
...
(ii) CJ>phy # @s[ T}p\RpS/XtYp_
Less: Aggregate of Provisions / Depreciation
(iii) <S\[ <\<SRpS (gTZ I _u)
Net Investments (vide I above)
...
...
302856,15,20
286732,71,79
...
...
1835,17,86
1145,72,21
YpuB TOTAL
301020,97,34
285586,99,58
...
...
11436,68,18
10221,32,43
...
...
260,04,49
207,75,11
YpuB TOTAL
11176,63,69
10013,57,32
@s[ YpuB GRAND TOTAL (III & IV)
312197,61,03
295600,56,90
IV. WpZO @u Vp`Z <\<SRpS

Investments outside India :
(i) <\<SRpSpu @p _@[ XtY
Gross Value of Investments
...
...
(ii) CJ>phy # @s[ T}p\RpS/XtYp_
Less: Aggregate of Provisions / Depreciation
(iii) <S\[ <\<SRpS (gTZ II _u)
Net Investments (vide II above)
C152 K152
153
9
SCHEDULE 9 ADVANCES
(000 )
(000s omitted)
@. (i)
A.
Bills purchased and discounted ...
...
...
( )
B.
Secured by tangible assets (includes advances

against Book Debts)
...
...
(ii) Vv@/_Z@pZr T}YpWt<OYpu pZp _zZ<bO
Covered by Bank/Government Guarantees ...
(iii) dT}<OWtO
Unsecured
...
...
B. (I)
WpZO Xu d<B}X
C.
Advances in India
(i) T}pP<X@Op T}pO bum
Priority Sector
(ii) _p\{G<S@ bum
Public Sector
(iii) Vv@
Banks
(iv) dY
Others
(II) WpZO @u Vp`Z d<B}X

Advances outside India
(i) Vv@pu _u ]puY
Due from banks
(ii) dYpu _u ]puY
Due from others
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
...
77138,60,77
51715,78,19
...
374143,24,94
339825,33,41
...
416297,03,30
365178,33,20
YpuB TOTAL
867578,89,01
756719,44,80
...
...
624544,52,03
494604,06,61
...
...
78555,19,05
109096,80,03
...
...
164479,17,93
153018,58,16
YpuB TOTAL
867578,89,01
756719,44,80
(ii) ,
Cash credits, overdrafts and loans repayable on demand
(iii)
Term loans
...
...
...
A. (i)
31.3.2012
( )
...
...
...
...
250176,96,36
231597,86,67
...
...
...
...
54707,32,31
48924,41,93
...
...
...
...
180,37,64
454,92,47
...
...
...
...
428436,62,60
367698,25,17
YpuB TOTAL
733501,28,91
648675,46,24
...
...
...
...
17086,18,01
22423,64,94
...
...
...
21568,46,45
14796,19,10
...
...
...
...
47400,11,59
36737,68,12
...
...
...
...
48022,84,05
34086,46,40
YpuB TOTAL
134077,60,10
108043,98,56
@s[ YpuB (-I -II) GRAND TOTAL (C-I & C-II)
867578,89,01
756719,44,80
(@)
(a) Bills purchased and discounted
(A)
(b) Syndicated loans
(B) dY
(c) Others
C153 K153
154
10
SCHEDULE 10 FIXED ASSETS
(000 )
(000s omitted)
31.3.2012
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
@. I.
TqZ_Z
A. I.
Premises
Tt\{\Or{ \^{ @ 31 XpE{ @ P<O @u dSs_pZ [pBO TZ

At cost as on 31st March of the preceding year
...
...
1791,60,63
1687,67,20

...
...
...
...
357,10,96
149,42,02
...
...
...
...
5,92,31
45,48,59
...
...
...
...
859,61,78
...
10595,54,50
9233,45,58
\^{ @u QpvZpS @J>pv<OYpy

dOS XtYp_
Depreciation to date
II.
1283,17,50
781,96,86
1009,63,77
dY dE[ dpOYpy (e_Xu USr{EZ dpvZ <U_EZ _X<[O `v)

Other Fixed Assets (including furniture and fixtures)
Tt\{\Or{ \^{ 31 XpE{ @ P<O @u dSs_pZ [pBO TZ

At cost as on 31st March of the preceding year ...

...
...
...
...
1862,27,87
2044,11,71
...
...
...
...
610,41,98
682,02,79
...
...
...
...
7996,91,40
...
...
...
...
At cost as on 31st March of the preceding year ...
...
802,13,34
852,85,15

dOS XtYp_
III. TJ>oJ>p@wO dpOYpy
Leased Assets
3850,48,99
7173,42,66
3422,11,84
Tt\{\Or{ \^{ @ 31 XpE{ @ P<O @u dSs_pZ [pBO TZ

...
...
...
...
...
...
...
...
50,71,81
...
...
...
...
802,13,34
802,13,34

T}p\RpSpu _<Ò dOS XtYp_

including provision
:
Add : Lease adjustment account
IV.
...
20,27
20,27
20,27
20,27
( )
Assets under Construction (Including Premises)
...
332,68,16
332,23,05
YpuB TOTAL (I, II, III & IV)
5466,54,92
4764,18,93
C154 K154
...
155
11
SCHEDULE 11 OTHER ASSETS
I.
(000 )
(000s omitted)
31.3.2012
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
dzOZ-@pYp{[Y _XpYpuGS (<S\[)
Inter-office adjustments (net)

...
...
II. T}puQoWtO YpG
Interest accrued
...
...
III. /
Tax paid in advance/tax deducted at source ...
...
IV. dpP<BO @Z dpOYpy (<S\[)
Deferred Tax Assets (Net)
...
V. [uAS _pXB}r dpvZ J>pzT
Stationery and stamps
...
...
VI. -
Non-banking assets acquired in satisfaction of claims
VII. dY
Others
...
...
...
...
1573,93,79
...
...
11013,85,83
9132,02,77
...
...
8240,82,75
5848,00,60
...
...
180,63,83
1167,28,24
...
...
98,01,43
98,83,00
...
...
4,25,91
34,91
...
...
32001,48,08
27531,35,13
YpuB TOTAL
53113,01,62
43777,84,65
12
SCHEDULE 12 CONTINGENT LIABILITIES
I.
(000 )
(000s omitted)
31.3.2012
( )
31.3.2011
( )
As on 31.3.2012
(Current year)
As on 31.3.2011
(Previous year)
Vv@ @u <\ Qp\u <Gù jNpu @u T Xu \r@pZ S`r q@Yp BYp `v
Claims against the bank not acknowledged as debts

...
...
II. :
Liability for partly paid investments
...
...
...
III. V@pYp \pYQp <\<SXY _z<\Qpdpu @ VpVO QuYOp
Liability on account of outstanding forward exchange contracts ...
IV. _zCJ>@pu @ dpuZ _u Qr Be{ T}YpWt<OYpy
Guarantees given on behalf of constituents
...
930,18,89
773,89,36
...
2,80,00
2,80,00
...
404915,74,76
339683,99,79
(@) WpZO Xu
(a) In India
...
...
...
...
86853,33,93
82657,98,54
...
...
...
84072,55,61
60827,95,78
...
...
...
134540,58,99
145187,30,78
...
...
...
121290,11,25
101350,66,20
YpuB TOTAL
832605,33,43
730484,60,45
(A) WpZO @u Vp`Z

(b) Outside India
...
V. ,
Acceptances, endorsements and other obligations
VI. ,
Other items for which the bank is contingently liable
C155 K155
156
31 2012
PROFIT AND LOSS ACCOUNT OF STATE BANK OF INDIA FOR THE YEAR ENDED 31ST MARCH 2012
(000 ) (000s omitted)
I.
31.3.2012 @pu _XpO \^{
(Ep[t \^{)
(<TF>[p \^{)
Schedule
No.
Year ended 31.3.2012

(Current year)

(Previous year)
31.3.2011 @pu _XpO \^{
dpY
INCOME
d<G{O YpG
Interest earned
...
...
...
13
106521,45,34
81394,36,38
...
...
...
14
14351,44,57
15824,59,42
YpuB TOTAL
120872,89,91
97218,95,80
dY dpY
Other Income
II. YY
EXPENDITURE
YY q@Yp BYp YpG

Interest expended
...
...
...
15
63230,36,87
48867,95,61
...
...
...
16
26068,99,21
23015,43,26
...
...
...
19866,24,97
17071,05,03
109165,61,05
88954,43,90
TqZEp[S YY
Operating expenses
T}p\RpS dpvZ dp@X@ YY

Provisions and contingencies
YpuB TOTAL
III. [pW
PROFIT
\^{ @u <[h <S\[ [pW

Net Profit for the year
...
...
...
11707,28,86
8264,51,90
...
...
...
33,93
33,93
5,71,15
11713,33,94
8264,85,83
dB}SrO [pW
Profit brought forward
g_m_obZ na hVmV[aV nyddVu Eg~rAmB H$_{e`b

ES> BQ>aZoeZb ~H$ {b. H$m bm^ Ed hm{Z eof
Profit & Loss balance of e-SBI Commercial &
International Bank Ltd. transferred on amalgamation
YpuB TOTAL
<\<SYpuGS
APPROPRIATIONS

Transfer to Statutory Reserves
...
...
...
3516,97,72
2479,35,57
...
...
...
14,37,69
9,60,89
5536,49,60
2729,86,59
2348,65,69
1904,99,70
...
296,49,31
246,52,02
Loss on Amalgamation of State Bank of Indore ...
894,17,13
33,93
33,93
11713,33,94
8264,85,83
` 184.31
` 130.16
` 184.31
` 130.16
TtzGr Xu dzOZN
Transfer to Capital Reserves

Transfer to Revenue and other Reserves
Vm{dV [pWpz]
Proposed Dividend
[pWpz] TZ @Z
Tax on dividend
...
...
Q>oQ> ~H$ Am\$ BXma Ho$ g_m_obZ go hm{Z

_|
Balance carried over to Balance Sheet ...
...
YpuB TOTAL

Basic Earnings per Share

Diluted Earnings per Share
[uAp Sr<OYpy / Significant Accounting Policies

[uAp-qJ>T<NYpy / Notes to Accounts
...
...
C156 K156
17
18
157
SCHEDULES
13
SCHEDULE 13 INTEREST EARNED
(000 )
(000s omitted)
31.3.2012 @pu _XpO \^{
I.
31.3.2011 @pu _XpO \^{{
(Ep[t \^{)
(<TF>[p \^{)

(Current year)

(Previous year)
/ /
Interest/discount on advances/bills
II. <\<SRpSpu TZ dpY

Income on investments
...
...
...
81077,69,77
59976,00,50
...
...
...
23949,14,17
19826,37,36
III. WpZOrY qZ\{ Vv@ Xu GXpZp<]Ypu dpvZ dY dzOZ-Vv@ <S<RYpu TZ YpG

Interest on balances with Reserve Bank of India
and other inter-bank funds
...
...
...
350,47,17
235,65,89
IV. dY
Others
...
...
1144,14,23
1356,32,63
YpuB TOTAL
106521,45,34
81394,36,38
...
14
SCHEDULE 14 OTHER INCOME
(000 )
(000s omitted)
31.3.2012 @pu _XpO \^{
I.
31.3.2011 @pu _XpO \^{{
(Ep[t \^{)
(<TF>[p \^{)

(Current year)

(Previous year)
@Xr]S, <\<SXY dpvZ Q[p[r

Commission, exchange and brokerage
II. <\<SRpSpu @u <\@}Y TZ [pW / (`p<S) (<S\[)

Profit / (Loss) on sale of investments (Net)
...
...
...
12090,90,17
11563,27,50
...
...
...
(919,74,24)
925,69,54
(4,67,20)
III. <\<SRpSpu @u TsSX{tYpz@S TZ [pW / (`p<S) (<S\[)

Profit / (Loss) on revaluation of investments (Net)...
IV. Wt<X, W\Spu dpvZ dY dpOYpu @u <\@}Y TZ
[pW / (`p<S) (<S\[)
Profit / (Loss) on sale of land, buildings
and other assets (Net)
...
...
...
...
(44,14,62)
(18,51,07)
...
...
1432,19,47
1464,04,87
Income earned by way of dividends, etc., from subsidiaries/

companies and/or joint ventures abroad/in India...
...
...
767,35,15
827,73,02
V. <\<SXY [uSQuS TZ [pW / (`p<S)

Profit / (Loss) on exchange transactions
...
VI. / / /
VII. {dmr` nQ>Q>o go Am`

Income from financial lease
...
...
...
9,68
1,88,65
VIII. T}@N{ dpY

Miscellaneous Income
...
...
...
1024,78,96
1065,14,11
YpuB TOTAL
14351,44,57
15824,59,42
C157 K157
158
15
SCHEDULE 15 INTEREST EXPENDED
(000 )
(000s omitted)
31.3.2012 @pu _XpO \^{
I.
(<TF>[p \^{)

(Current year)

(Previous year)
GXpZp<]Ypu TZ YpG
Interest on deposits
...
II. / -
Interest on Reserve Bank of India/Inter-bank borrowings
III. dY
Others
...
...
...
55644,36,92
43234,75,48
...
...
3885,64,45
2561,73,80
...
...
3700,35,50
3071,46,33
YpuB TOTAL
63230,36,87
48867,95,61
16
SCHEDULE 16 OPERATING EXPENSES
(000 )
(000s omitted)
31.3.2012 @pu _XpO \^{
I.
31.3.2011 @pu _XpO \^{{
(Ep[t \^{)
31.3.2011 @pu _XpO \^{{
(Ep[t \^{)
(<TF>[p \^{)

(Current year)

(Previous year)
Payments to and provisions for employees

...
...
II. ,
Rent, taxes and lighting
...
...
...
III. -
Printing and stationery
...
...
...
IV.
Advertisement and publicity
...
...
...
V. (@) Vv@ @ _zT<l TZ XtYp_ (nQ>Q>mH$V AmpV`m| H$mo N>moS>H$a)
(a) Depreciation on Banks Property (Other than Leased Assets)
...
16974,04,04
15211,61,87
...
2065,40,88
1794,48,79
...
276,48,56
255,40,03
...
206,63,27
257,87,61
...
1007,16,87
990,49,52
48,18
74,28
128,49,52
124,28,30
117,29,49
118,54,59
433,26,05
363,36,05
373,30,20
374,24,72
963,46,17
800,91,24
3522,95,98
2723,46,26
26068,99,21
23015,43,26
(A) TJ>oJ>p@wO dpOYpu TZ XtYp_

(b) Depreciation on Leased Assets
...
...
...
VI. ,
Directors fees, allowances and expenses
...
...
...
VII. ( )
Auditors fees and expenses (including branch auditors fees and expenses)
VIII.
Law charges
...
...
...
...
IX. ,
Postages, Telegrams, Telephones etc. ...
...
...
...
X.
Repairs and maintenance
...
...
...
...
XI.
Insurance
...
...
...
...
XII.
Other expenditure
...
...
...
...
YpuB TOTAL
C158 K158
159
AZwgM
y r 17
_hdnyU boIm Zr{V`m
H$. V`ma H$aZo H$m AmYma
~H$ Ho$ {dmr` {ddaU, Ohm A`Wm Z H$hm J`m hmo, Ad{YJV bmJV
n[anmQ>r Ho$ VhV boIm H$s modZ n{V Ho$ AmYma na V`ma {H$E JE
h Ama do ^maV _| gm_m`V: drH$V boIm-{gmVm| (OrEEnr) Ho$ g^r
_hdnyU nhbwAm| Ho$ AZw$n h. BZ {gmVm| _|| bmJy gm{d{YH$ mdYmZ,
{d{Z`m_H$ _mZXS>/^maVr` [aOd ~H$ (Ama~rAmB) Ho$ {Xem-{ZX}e,
^maVr` gZXr boImH$ma gWmZ (AmBgrEAmB) mam Omar boIm-_mZH$
Ama ^maVr` ~qH$J CmoJ _| M{bV WmE em{_b h.
SCHEDULE 17
SIGNIFICANT ACCOUNTING POLICIES:
I. m$bZm| H$m `moJ

{dmr` {ddaUm| H$mo V`ma H$aZo _| ~YZ H$mo, {dmr` {ddaUm| H$s {V{W
H$mo AmpV`m| Ama Xo`VmAm|, (Bg_| AmH$p_H$ Xo`VmE gp_{bV h)
H$s gy{MV am{e VWm gyMZm Ad{Y Ho$ XmamZ gy{MV Am` Ed ``
_| {V\${bV m$bZ Ama nydmZw_mZ H$aZo H$s Amd`H$Vm hmoVr h.
~YZ H$m `h _mZZm h {H$ {dmr` {ddaUm| H$mo V`ma H$aZo _| `w$
m$bZ {ddoH$nyU Ama `Wmo{MV h. ^mdr n[aUm_ BZ m$bZm| go AbJ
hmo gH$Vo h.
B.
J.
1.
C.
Significant Accounting Policies
1.
Revenue recognition
_hdnyU boIm Zr{V`m

Am` {ZYmaU
1.1 Ohm A`Wm Z H$hm J`m hmo, Am` Ama `` H$mo modZ AmYma
na boIo _| {b`m J`m h. ~H$ Ho$ {dXoe pWV H$m`mb`m| Ho$
g~Y _| Am` H$m {ZYmaU Cg Xoe Ho$ WmZr` H$mZyZ Ho$ AZwgma
{H$`m J`m h {Og Xoe _| dh H$m`mb` pWV h.
1.2 `mO Am` H$m bm^ Ama hm{Z ImVo _| moV hmoVo hr {ZYmaU
(i) A{J_m|, n>m| Ama {d{ZYmZm| go g_m{d> AZOH$ AmpV`m|
go Am`, {OgH$m {ZYmaU ^maVr` [aOd ~H$/{dXoe pWV
H$m`mb`m| Ho$ _m_bm| _| g~{YV Xoe Ho$ {d{Z`m_H$m| (BgHo$ nmV
gm_y{hH$ $n go {d{Z`m_H$ m{YH$mar H$hm J`m h) mam {ZYm[aV
{ddoH$nyU _mZXS>m| Ho$ AZwgma dgybr AmYma na {H$`m OmVm h,
(ii) {d{ZYmZm| H$s AmdoXZ-am{e na `mO, (iii) {d{ZYmZm| VWm
~>mH$V {~bm| na A{VXo` `mO Ho$ Abmdm {H$`m J`m h,
(iv) n`m So>ardo{Q>g na Am` H$mo Q>oqS>J Zm_ {X`m J`m h.
1.3 {d{ZYmZm| H$s {~H$s na hmoZo dmbo bm^/hm{Z H$mo bm^ VWm hm{Z
ImVo _| {XIm`m J`m h& `{n n[andVm VH$ aIo JE loUr
Ho$ {d{ZYmZm| H$s {~H$s na hmoZo dmbo bm^ H$m (`mo` H$am| Ama
gm{d{YH$ Ama{jVr AnojmAm| H$mo KQ>mZo Ho$ ~mX) nyOr Ama{jVr
ImVo _| {d{Z`moJ {H$`m J`m h.
1.4 {dm n>m| go hB Am` H$m n[aH$bZ mW{_H$ n>m Ad{Y go A{YH$
Ad{Y Ho$ n>o na ~H$m`m {Zdb {d{ZYmZ Ho$ n>o _| AV{Z{hV
`mO Xa H$m Cn`moJ H$aHo$ {H$`m J`m h. 1 Ab, 2001 go
^mdr n>m| H$mo n>o _| {Zdb {d{ZYmZ Ho$ g_mZ am{e Ho$ A{J_
Ho$ $n _| boIo _| {b`m J`m h. n>m {H$am`m| H$m _yb am{e Ama
{dm Am` _| ^mOZ {dm n>m| go g~ ~H$m`m {Zdb mdYmZm|
Ho$ {Z`V Amd{YH$ {V\$b Ho$ namdVu d$n Ho$ AmYma na {H$`m
J`m h. _yb am{e H$m Cn`moJ n>o _| {Zdb {d{ZYmZ am{e H$mo
KQ>mZo Ho$ {bE {H$`m J`m h Ama {dm Am` H$mo `mO Am` Ho$
$n _| [anmoQ> {H$`m J`m h.
C159 K159
A.
Basis of Preparation
The Banks financial statements are prepared under the
historical cost convention, on the accrual basis of accounting,
unless otherwise stated and conform in all material aspects
to Generally Accepted Accounting Principles (GAAP) in India,
which comprise applicable statutory provisions, regulatory
norms/guidelines prescribed by Reserve Bank of India (RBI),
Accounting Standards issued by the Institute of Chartered
Accountants of India (ICAI), and the practices prevalent in the
banking industry in India.
Use of Estimates
The preparation of financial statements requires the
management to make estimates and assumptions
considered in the reported amount of assets and liabilities
(including contingent liabilities) as of the date of the financial
statements and the reported income and expenses during
the reporting period. Management believes that the
estimates used in the preparation of the financial statements
are prudent and reasonable. Future results could differ from
these estimates.
1.1 Income and expenditure are accounted on accrual basis,

except otherwise stated. In respect of banks foreign
offices, income is recognised as per the local laws of
the country in which the respective foreign office is
located.
1.2 Interest income is recognised in the Profit and Loss
Account as it accrues except (i) income from nonperforming assets (NPAs), comprising of advances,
leases and investments, which is recognised upon
realisation, as per the prudential norms prescribed by
the RBI/ respective country regulators in case of foreign
offices (hereafter collectively referred to as Regulatory
Authorities), (ii) interest on application money on
investments, (iii) overdue interest on investments and
bills discounted, (iv) Income on Rupee Derivatives
designated as Trading.
1.3 Profit or loss on sale of investments is recognised in the
Profit and Loss Account, however, the profit on sale of
investments in the Held to Maturity category is
appropriated net of applicable taxes and amount
required to be transferred to statutory reserve to Capital
Reserve Account.
1.4 Income from finance leases is calculated by applying the
interest rate implicit in the lease to the net investment
outstanding in the lease, over the primary lease period.
Leases effective from April 1, 2001 are accounted as
advances at an amount equal to the net investment in
the lease. The lease rentals are apportioned between
principal and finance income based on a pattern
reflecting a constant periodic return on the net
investment outstanding in respect of finance leases. The
principal amount is utilized for reduction in balance of
net investment in lease and finance income is reported
as interest income.
160
1.5 n[an$Vm VH$ aIo JE loUr _| {d{ZYmZ na Am` (`mO H$mo N>moS>H$a)
H$mo A{H$V _y` H$s VwbZm _| ~>mH$V _y` na {ZZdV em{_b {H$`m
J`m h :
H$. `mO mV H$aZo dmbr {V^y{V`m| Ho$ gX^ _| Bgo {~H$s/
emoYZ Ho$ g_` em{_b {H$`m J`m h.
I. ey`-Hy$nZ {V^y{V`m| na, Bgo {V^y{V H$s eof Ad{Y Ho$
{bE {Z`V Am` AmYma na boIo _| {b`m J`m h.
1.6 Ohm bm^me mV H$aZo H$m A{YH$ma {g hmoVm h, dhm bm^me H$mo
modZ AmYma na boIo _| {b`m J`m h.
1.7 (i) AmW{JV ^wJVmZ Jma{Q>`m| na JmaQ>r H$_reZ H$m AmH$bZ JmaQ>r
H$s nyar Ad{Y Ho$ {bE {H$`m J`m h Ama (ii) gaH$mar `dgm` na
H$_reZ H$m {ZYmaU modZ AmYma na {H$`m J`m h, BZ XmoZm| H$mo
N>moS>H$a A` g^r H$_reZ Ama ewH$-Am` H$m {ZYmaU dgybr Ho$
~mX {H$`m J`m h.
1.8 {deof Amdmg F$U `moOZm ({Xg~a 2008 go OyZ 2009) Ho$ AVJV
gXm EH$ ~maJr ~r_m r{_`_ H$mo 15 df H$s Ad{Y Ho$ AmgV F$U
na n[aemo{YV {H$`m J`m h.
{d{ZYmZ
{XZmH$ 31.12.2010 VH$ gaH$mar {V^y{V`m| H$mo ""gmXo H$s {V{W''
(Q>So >-So>Q>) Ho$ AZwgma Ed 01.01.2011 Ho$ ~mX Bh| ""{ZnQ>mZ {V{W'' (goQ>b_|Q>
So>Q>) Ho$ AZwgma [aH$mS> {H$`m J`m h& gaH$mar {V^y{V`m| go BVa {d{ZYmZm|
H$mo ""gmXo H$s {V{W'' (Q>oS>-So>Q>) Ho$ AZwgma hr [aH$mS> {H$`m J`m h&
2.1 dJuH$aU
{d{ZYmZm| H$m 3 lo{U`m| AWmV n[an$Vm VH$ aIo JE, {dH$` Ho$
{bE CnbY Ama `dgm` Ho$ {bE aIo JE Ho$ $n _| dJuH$aU
{H$`m J`m h.
2.2 dJuH$aU H$m AmYma :
i.
CZ {d{ZYmZm| H$mo n[an$Vm VH$ aIo JE loUr Ho$ AVJV dJuH$V
{H$`m J`m h, {Oh| ~H$ mam n[andVm VH$ aIm OmVm h.
ii. CZ {d{ZYmZm| H$mo `dgm` Ho$ {bE aIo JE loUr Ho$ AVJV
dJuH$V {H$`m J`m h, {Oh| H$` {V{W go 90 {XZm| Ho$ ^rVa
{gmVV: nwZ{dH$` hoVw aIm OmVm h.
iii. {OZ {d{ZYmZm| H$mo Cn`w$ Xmo lo{U`m| _| dJuH$V Zht {H$`m
J`m h, Ch| {dH$` Ho$ {bE CnbY loUr Ho$ $n _| dJuH$V
{H$`m J`m h.
iv. {H$gr {d{ZYmZ H$mo BgHo$ H$` Ho$ g_` n[an$Vm VH$ aIo JE,
{dH$` Ho$ {bE CnbY `m `dgm` Ho$ {bE aIo JE lo{U`m| _|
dJuH$V {H$`m J`m h Ama CgHo$ nmV lo{U`m| _| nana n[adVZ
{d{Z`m_H$ {Xem-{ZX}em| Ho$ AZw$n {H$`m J`m h.
v. AZwf{J`m|, g`w$ C_m| Ama gh`mo{J`m| _| {H$E JE {d{ZYmZm|
H$mo n[an$Vm VH$ aIo JE loUr Ho$ AVJV dJuH$V {H$`m
J`m h.
1.5 Income (other than interest) on investments in Held

to Maturity (HTM) category acquired at a discount to
the face value, is recognised as follows :
a.
On Interest bearing securities, it is recognised only

at the time of sale/ redemption.
b.
On zero-coupon securities, it is accounted for over

the balance tenor of the security on a constant
yield basis.
1.6 Dividend is accounted on an accrual basis where the

right to receive the dividend is established.
1.7 All other commission and fee incomes are recognised
on their realisation except for (i) Guarantee commission
on deferred payment guarantees, which is spread over
the period of the guarantee and (ii) Commission on
Government Business, which is recognised as it accrues.
1.8 One time Insurance Premium paid under Special Home
Loan Scheme (December 2008 to June 2009) is
amortised over average loan period of 15 years.
2.
Investments
The transactions in Government Securities are recorded on
Trade Date up to 31.12.2010 and on Settlement Date with
effect from 01.01.2011. Investments other than Government
Securities are recorded on Trade Date.
2.1 Classification
Investments are classified into three categories, viz.
Held to Maturity (HTM), Available for Sale (AFS) and
Held for Trading (HFT)
2.2 Basis of classification:
i.
Investments that the Bank intends to hold till

maturity are classified as Held to Maturity.
ii.
Investments that are held principally for resale

within 90 days from the date of purchase are
classified as Held for Trading.
iii.
Investments, which are not classified in the above

two categories, are classified as Available for Sale.
iv.
An investment is classified as Held to Maturity,

Available for Sale or Held for Trading at the time
of its purchase and subsequent shifting amongst
categories is done in conformity with regulatory
guidelines.
v.
Investments in subsidiaries, joint ventures and

associates are classified as Held to Maturity.
2.3 Valuation:
2.3 _y`mH$Z :
i.
{H$gr {d{ZYmZ H$s A{^JhU-bmJV H$m {ZYmaU H$aZo _|;
(H$) A{^XmZm| na m Xbmbr/H$_reZ H$mo bmJV _| go KQ>m
{X`m J`m h.
(I) {d{ZYmZm| Ho$ A{^JhU Ho$ g~Y _| Xm Xbmbr,
H$_reZ, {V^y{V boZXoZ H$a Am{X H$m Cgr g_` ``
H$a {X`m J`m h Ama Bh| bmJV _| em{_b Zht {H$`m
J`m h.
(J) F$U {bIVm| na I{S>V Ad{Y Ho$ {bE Xm/m `mO
H$mo `mO ``/Am` _mZm J`m h Ama Bh| bmJV/
{dH$`-{V\$b _| em{_b Zht {H$`m J`m h.
C160 K160
i.
In determining the acquisition cost of an

investment:
(a)
Brokerage/commission received on
subscriptions is reduced from the cost.
(b)
Brokerage, commission, securities

transaction tax etc. paid in connection with
acquisition of investments are expensed
upfront and excluded from cost.
(c)
Broken period interest paid / received on

debt instruments is treated as interest
expense/income and is excluded from cost/
sale consideration.
161
(K) bmJV H$m {ZYmaU, {dH$` Ho$ {bE CnbY Ed `dgm`

VH$ aIo JE loUr Ho$ AYrZ {d{ZYmZm| Ho$ _m_bo _| ^m[aV
AmgV bmJV Umbr Ho$ AZwgma Ed "n[an$Vm VH$ aIo
JE' loUr Ho$ {bE \$s\$mo (\$Q> BZ \$Q> AmCQ>) Umbr
Ho$ AZwgma {H$`m J`m h.
ii. Cnamo$ VrZ lo{U`m| _| {V^y{V Ho$ AVaU H$mo AVaU H$s {V{W
na `yZV_ A{^JhU bmJV/~hr _y`/~mOma _y` Ho$ AZwgma
boIo _| {b`m J`m h, Ama Eogo AVaU na hE _y`mg, `{X hmo
Vmo, H$m nyUV `m mdYmZ {H$`m J`m h.
iii. Q>oOar {~bm| Ama dm{Up`H$ nm| H$m _y`Z aImd-bmJV
AmYma na {H$`m J`m h.
iv. n[an$Vm VH$ aIo JE loUr : n[an$Vm VH$ aIo JE loUr _|
aIo JE {d{ZYmZm| H$mo `{X CZH$m _y` A{H$V _y` go A{YH$
Z hmo, Vmo A{^JhU bmJV na boIo _| {b`m J`m h {Og_|
r{_`_ H$mo ~Mr hB n[an$Vm Ad{Y Ho$ {bE {ZaVa Am`
AmYma na n[aemo{YV {H$`m J`m h. Eogo r{_`_ Ho$ n[aemoYZ
H$mo ""{d{ZYmZm| na `mO'' erf Ho$ AVJV Am` Ho$ gmnoj
g_m`mo{OV {H$`m J`m h. jor` Jm_rU ~H$m| H$mo N>moS>H$a
AZwf{J`m|, g`w$ C_m| Ama gh`mo{J`m| (Xoe Ama {dXoe
XmoZm|) _| {d{ZYmZ H$mo Ad{YJV bmJV AmYma na _y`m{H$V
{H$`m J`m h. jor` Jm_rU ~H$m| _| {d{ZYmZ H$mo aImdbmJV (AWmV ~hr _y`) na _y`m{H$V {H$`m J`m h. AWm`r
go BVa òH$ {d{ZYmZ Ho$ {bE AbJ-AbJ, H$_r H$s ny{V
Ho$ {bE mdYmZ {H$`m J`m h.
v.
{dH$` Ho$ {bE CnbY VWm `dgm` Ho$ {bE aIo JE
lo{U`m : {dH$` Ho$ {bE CnbY VWm `dgm` Ho$ {bE aIo
JE lo{U`m| Ho$ {d{ZYmZm| H$m nwZ_y `Z {d{Z`m_H$ {Xem-{ZX}em|
Ho$ AZwgma {ZYm[aV ~mOma _y` `m C{MV _y` Ho$ AZwgma
{H$`m J`m h Ama òH$ loUr go g~ òH$ g_yh Ho$ {g\$
{Zdb _y`mg H$m mdYmZ {H$`m J`m h Ama {Zdb _y`d{
H$mo boIo _| Zht {b`m J`m h. _y`mg H$m mdYmZ hmoZo na
òH$ {V^y{V H$m ~hr _y` ~mOma Ho$ ~hr - _y` Ho$ AZwgma
AH$Z Ho$ nmV An[ad{VV ahm h.
vi. AmpV nwZ{Z_mU H$nZr (EAmagr) mam Omar {V^y{V agrXm|
H$m _y`Z Ja-gm{d{YH$ Mb{Z{Y AZwnmV (ZmZ-EgEbAma)
{bIVm| na bmJy {Xem-{ZX}em| Ho$ AZwgma {H$`m J`m h.
VXZwgma, {OZ _m_bm| _| AmpV nwZ{Z_mU H$nZr mam Omar
{V^y{V agrXm| H$m n[aemoYZ Vg~ `moOZm Ho$ {bIVm| Ho$
{bE Am~{Q>V {dmr` AmpV`m| H$s dmV{dH$ dgybr Ho$ AZwgma
{H$`m J`m h, CZ _m_bm| _| AmpV nwZ{Z_mU H$nZr go m
{Zdb AmpV _y` H$mo Eogo {d{ZYmZm| Ho$ _y`Z H$s JUZm Ho$
{bE AmYma ~Zm`m J`m h.
vii. Xoer H$m`mb`m| Ho$ g~Y _| ^maVr` [aOd ~H$ Ho$ VWm {dXoe
pWV H$m`mb`m| Ho$ g~Y _| Cg Xoe Ho$ {d{Z`m_H$m| Ho$ {Xem{ZX}em| Ho$ AmYma na {d{ZYmZm| H$mo AOH$ Ama AZOH$ lo{U`m|
_| {d^m{OV {H$`m J`m h. Xoer H$m`mb`m| Ho$ {d{ZYmZ
{ZZ{bpIV pW{V`m| _| AZOH$ hmo OmVo h:
(H$) `mO/{H$V (n[an$Vm na m` am{e g{hV) Xo` h
Ama 90 {XZm| go A{YH$ Ad{Y Ho$ {bE ~H$m`m h.
(I) B{$Q>r eoàm| Ho$ g~Y _|, Ohm AVZ VwbZn H$s
AZwnbYVm Ho$ H$maU eoàm| H$mo `1/- {V H$nZr
_y` XmZ {H$`m J`m h-Eogo B{$Q>r eoàm| H$mo AZOH$
{d{ZYmZ _mZm OmEJm.
(J) `{X OmarH$Vm mam br JB H$moB F$U-gw{dYm ~H$-~hr
_| AZOH$ AmpV hmo JB h-Eogr pW{V _| Cgr OmarH$Vm
C161 K161
(d)
ii.
iii.
iv.
v.
vi.
vii.
Cost is determined on the weighted average

cost method for investments under AFS and
HFT category and on FIFO basis (first in first
out) for investments under HTM category.
The transfer of a security amongst the above three
categories is accounted for at the least of
acquisition cost/book value/market value on the
date of transfer, and the depreciation, if any, on
such transfer is fully provided for.
Treasury Bills and Commercial Papers are valued
at carrying cost.
Held to Maturity category: Investments under
Held to Maturity category are carried at acquisition
cost unless it is more than the face value, in which
case the premium is amortised over the period
remaining maturity on constant yield basis. Such
amortisation of premium is adjusted against
income under the head interest on investments.
Investments in subsidiaries, joint ventures and
associates (both in India and abroad) are valued
at historical cost except for investments in Regional
Rural Banks, which are valued at carrying cost (i.e
book value). A provision is made for diminution,
other than temporary, for each investment
individually.
Available for Sale and Held for Trading categories:
Investments held under AFS and HFT categories
are individually revalued at the market price or
fair value determined as per Regulatory
guidelines, and only the net depreciation of each
group for each category is provided for and net
appreciation, is ignored. On provision for
depreciation, the book value of the individual
securities remains unchanged after marking to
market.
Security receipts issued by an asset reconstruction
company (ARC) are valued in accordance with the
guidelines applicable to non-SLR instruments.
Accordingly, in cases where the security receipts
issued by the ARC are limited to the actual
realisation of the financial assets assigned to the
instruments in the concerned scheme, the Net
Asset Value, obtained from the ARC, is reckoned
for valuation of such investments.
Investments are classified as performing and
non-performing, based on the guidelines issued
by the RBI in case of domestic offices and
respective regulators in case of foreign offices.
Investments of domestic offices become nonperforming where:
(a) Interest/installment (including maturity
proceeds) is due and remains unpaid for
more than 90 days.
(b) In the case of equity shares, in the event
the investment in the shares of any
company is valued at `1 per company on
account of the non availability of the latest
balance sheet, those equity shares would
be reckoned as NPI.
(c) If any credit facility availed by the issuer is
NPA in the books of the bank, investment in
162
any of the securities issued by the same

issuer would also be treated as NPI and vice
versa.
mam Omar {H$gr ^r {V^y{V _| {d{ZYmZ H$mo Ama

OmarH$Vm mam {d{ZYmZ H$mo AZOH$ {d{ZYmZ _mZm
OmEJm.
(K) Cn`w$, Amd`H$ n[adVZm| Ho$ gmW CZ {\$aog eoàm|
na ^r bmJy hmoJm Ohm {ZYm[aV bm^me H$m ^wJVmZ Zht
{H$`m J`m h.
(L) Eogo {S>~|Mam|/~mS>m| _| {d{ZYmZ, Omo A{J_ H$s H${V
Ho$ _mZo JE h, na AZOH$ {d{ZYmZ Ho$ dhr _mZXS>
bJ|Jo Omo {d{ZYmZm| na bmJy hmoVo h.
(M) {dXoe pWV H$m`mb`m| Ho$ AZOH$ {d{ZYmZm| Ho$ g~Y
_| mdYmZ-WmZr` {d{Z`_m| AWdm ^maVr` [aOd ~H$
Ho$ _mZXS>m| _| Omo A{YH$ Wm CgHo$ AZwgma {H$`m J`m h.
viii. aonmo VWm [adg aonmo boZXoZ (^maVr` [aOd ~H$ Ho$ gmW Mb{Z{Y
g_m`moOZ gw{dYm (EbEE\$) Ho$ AYrZ boZXoZ H$mo N>moS>H$a)
H$m boImH$aU:
(H$) aonmo/[adg aonmo Ho$ AYrZ {dH$` Ama H$` H$s JB
{V^y{V`m| H$mo gnm{H$ F$U boZXoZ Ho$ $n _| boIo _|
{b`m J`m h& naVw EH$_wV {dH$`/H$` boZXoZ _m_bm|
H$s Vah {V^y{V`m| H$mo AV[aV {H$`m J`m h Ama Bg
Vah Ho$ AVaUm| H$mo aonmo/[adg aonmo ImVm| Ed XVa\$m
{d{>`m| H$m Cn`moJ H$aVo hE Xem`m J`m h& BZ {d{>`m|
H$mo n[an$Vm H$s {V{W H$mo {Vd{VV {H$`m J`m h&
bmJV Ed Am` H$mo `WmpW{V `mO ``/Am` Ho$ $n
_| boIo _| {b`m J`m h& aonmo ImVo H$s eof am{e H$mo
AZwgyMr-4 (CYm[a`m) Ed [adg aonmo ImVo H$s eof
am{e H$mo AZwgyMr-7 (~H$m| _| O_m VWm _mJ Ed An
gyMZm na {VXo` am{e) Ho$ VhV loUr~ {H$`m J`m h&
(I) ^maVr` [aOd ~H$ Ho$ gmW Mb{Z{Y g_m`moOZ gw{dYm
(EbEE\$) Ho$ AYrZ H$`/{dH$` H$s JB {V^y{V`m|
H$mo {d{ZYmZ ImVo _| Zm_o/O_m {H$`m J`m h Ama CZH$mo
boZXoZ H$s n[an$Vm H$s {V{W na {Vd{VV {H$`m J`m
h& CZ na ``/A{OV `mO H$mo ``/Am` Ho$ $n _|
boIo _| {b`m J`m h&
3
F$U/A{J_ Ama CZ na mdYmZ

3.1 F$Um| Ama A{J_m| H$m dJuH$aU ^maVr` [aOd ~H$ mam Omar {Xem{ZX}em| Ho$ AmYma na AOH$ Ama AZOH$ F$Um| Ama A{J_m| Ho$ $n _|
{H$`m J`m h. F$U AmpV`m CZ _m_bm| _| AZOH$ (EZnrE) ~Z
OmVr h, Ohm:
i.
gmd{Y F$U Ho$ g~Y _|, `mO VWm/AWdm _ybYZ H$s {H$V
90 {XZm| go A{YH$ Ad{Y Ho$ {bE A{VXo` ahVr h&
ii. AmodaS>mQ> `m ZH$X-F$U A{J_ Ho$ g~Y _| ImVm Ag`V
(AmCQ> Am\$ AmS>a) ahVm h, AWmV `{X ~H$m`m eof am{e
{ZaVa 90 {XZm| H$s Ad{Y Ho$ {bE gdrH$V gr_m/AmhaU
A{YH$ma go A{YH$ hmo OmVr h, `m H$moB ^r am{e VwbZn H$s
{V{W H$mo {ZaVa 90 {XZm| Ho$ {bE O_m Zht h AWdm ò
O_mam{e`m Cgr Ad{Y Ho$ XmamZ Xo` `mO H$m ^wJVmZ H$aZo
Ho$ {bE An`mV h;
iii. H$` {H$E JE/~>mH$V {~bm| Ho$ g~Y _|, {~b 90 {XZm| H$s
Ad{Y go A{YH$ A{VXo` ahVo h;
C162 K162
(d)
The above would apply mutatis-mutandis to

preference shares where the fixed dividend
is not paid.
(e)
The investments in debentures/bonds, which

are deemed to be in the nature of advance,
are also subjected to NPI norms as applicable
to investments.
(f)
In respect of foreign offices, provisions for

non performing investments are made as per
the local regulations or as per the norms of
RBI, whichever is higher.
viii. Accounting for Repo/ reverse repo transactions

(other than transactions under the Liquidity
Adjustment Facility (LAF) with the RBI)
3.
(a)
The securities sold and purchased under

Repo/ Reverse repo are accounted as
Collateralized lending and borrowing
transactions. However securities are
transferred as in case of normal outright sale/
purchase transactions and such movement
of securities is reflected using the Repo/
Reverse Repo Accounts and Contra entries.
The above entries are reversed on the date
of maturity. Costs and revenues are
accounted as interest expenditure/income,
as the case may be. Balance in Repo A/c is
classified under schedule 4 (Borrowings) and
balance in Reverse Repo A/c is classified
under schedule 7 (Balance with Banks and
Money at Call & Short Notice).
(b)
Securities purchased / sold under LAF with

RBI are debited / credited to Investment
Account and reversed on maturity of the
transaction. Interest expended / earned
thereon is accounted for as expenditure /
revenue.
Loans / Advances and Provisions thereon

3.1 Loans and Advances are classified as performing and
non-performing, based on the guidelines issued by RBI.
Loan assets become non-performing assets (NPAs)
where:
i.
In respect of term loans, interest and/or instalment

of principal remains overdue for a period of more
than 90 days;
ii.
In respect of Overdraft or Cash Credit advances,

the account remains out of order, i.e. if the
outstanding balance exceeds the sanctioned
limit/drawing power continuously for a period
of 90 days, or if there are no credits continuously
for 90 days as on the date of balance-sheet, or
if the credits are not adequate to cover the
interest due during the same period;
iii.
In respect of bills purchased/discounted, the bill

remains overdue for a period of more than 90
days;
163
iv.
3.2
3.3
3.4
3.5
3.6
Anmd{Y \$gbm| Ho$ {bE H${f A{J_m| Ho$ g~Y _|, Ohm _ybYZ
H$s {H$V `m `mO Xmo \$gb-F$VwAm| Ho$ {bE A{VXo` ahVo h;
v.
XrKmd{Y \$gbm| Ho$ {bE H${f A{J_m| Ho$ g~Y _|, Ohm _ybYZ
`m `mO EH$ \$gb-F$Vw Ho$ {bE A{VXo` ahVo h.
AZOH$ A{J_m| H$mo ^maVr` [aOd ~H$ mam {ZYm[aV {ZZ{bpIV
_mZXS>m| Ho$ AmYma na Ad-_mZH$, g{XY Ama hm{ZX AmpV`m| _|
dJuH$V {H$`m J`m h:
i.
Ad-_mZH$ : H$moB F$U AmpV, Omo 12 _hrZm| `m Cggo H$_
Ad{Y Ho$ {bE AZOH$ ah JB h&
ii. g{XY : H$moB F$U AmpV, Omo 12 _hrZm| H$s Ad{Y Ho$ {bE
Ad-_mZH$ dJ _| ah JB h.
iii. hm{ZX : H$moB F$U AmpV, {Og_| hm{Z H$m nVm Mb J`m h
{H$Vw Cg am{e H$mo nyUV`m ~>o ImVo _| Zht S>mbm J`m h.
AZOH$ AmpV`m| Ho$ {bE mdYmZ {d{Z`m_H$ m{YH$aUm| mam {ZYm[aV
dV_mZ {Xem-{ZX}em| Ho$ AZwgma {H$E JE h Ama ò {ZZ{bpIV
`yZV_ mdYmZ _mZXS> Ho$ AYrZ {H$E JE h :
i. 15% H$m gm_m` mdYmZ
Ad-_mZH$ AmpV`m :
ii. F$U Omo ma^ go
hr A{V^yV h, Ho$ {bE
10% H$m A{V[a$ mdYmZ
(Ohm {V^y{V H$m dgybr _y` ma^ go hr 10% go
A{YH$ Zht h)
iii. B\$mQ>Ma G$U ImVm|, Ohm
Hw$N> ~Mmd Cnm`, Ogo EH$mo
ImVo Am{X CnbY h, go
g~{ YV {V^y{V-a{hV
F$U-20 %
g{XY AmpV`m :
i. EH$ df VH$-25%
- {V^yV ^mJ :
ii. EH$ go VrZ df VH$-40%
iii. VrZ df go A{YH$-100%
- A{V^yV ^mJ
100%
hm{ZX AmpV`m :
100%
{dXoe pWV H$m`mb`m| Ho$ g~Y _| G$Um| Ed A{J_m| H$m dJuH$aU
Ama AZOH$ A{J_m| Ho$ {bE mdYmZ, WmZr` {d{Z`_m| AWdm
^maVr` [aOd ~H$ Ho$ _mZXS>m| _| Omo A{YH$ H$R>mao h, Ho$ AZwgma {H$`m
J`m h.
AZOH$ AmpV`m| Ho$ {dH$` H$mo ^maVr` [aOd ~H$ mam {ZYm[aV
{Xem-{ZX}em| Ho$ AZwgma boIo _| {b`m J`m h, `{X {dH$` _y`
{Zdb ~hr _y` go H$_ h, Vmo Bg H$_r H$mo bm^ Ed hm{Z ImVo Ho$
Zm_o {H$`m OmVm h Ama `{X {dH$` _y` {Zdb ~hr _y` go `mXm h,
Vmo A{V[a$ am{e H$mo A` {dmr` AmpV`m| Ho$ {dH$` na hmoZo dmbr
H$_r/hm{Z H$mo nyam H$aZo Ho$ {bE aI {b`m J`m h. {d{e> mdYmZm|
VWm ^maVr` {Z`mV F$U JmaQ>r {ZJ_ (BgrOrgr) go m Xmdm| H$mo
KQ>mZo na eof am{e H$mo {Zdb ~hr _y` H$hm J`m h.
A{J_m| _| go {d{e> F$U na {H$E JE hm{ZX mdYmZm|, Am
`mO, ^maVr` {Z`mV F$U JmaQ>r {ZJ_ (BgrOrgr) Ho$ m Xmdm|
Ama ~>mH$V {~bm| H$mo KQ>m {X`m J`m h.
C163 K163
iv.
In respect of agricultural advances for short

duration crops, where the instalment of
principal or interest remains overdue for two
crop seasons;
v.
In respect of agricultural advances for long
duration crops, where the principal or interest
remains overdue for one crop season.
3.2 NPAs are classified into sub-standard, doubtful and loss
assets, based on the following criteria stipulated by RBI:
i.
Sub-standard: A loan asset that has remained
non-performing for a period less than or equal
to 12 months.
ii. Doubtful: A loan asset that has remained in
the sub-standard category for a period of
12 months.
iii. Loss: A loan asset where loss has been identified
but the amount has not been fully written off.
3.3 Provisions are made for NPAs as per the extant
guidelines prescribed by the regulatory
authorities, subject to minimum provisions as
prescribed below:
Sub-standard Assets:
i. A general provision of 15%
ii. Additional provision of
10% for exposures which
are unsecured
ab-initio (i.e. where
realisable value of
security is not more than
10 percent
ab-initio)
iii. Unsecured Exposure in
respect of infrastructure
loan accounts where
certain safeguards such as
escrow accounts are
available - 20%
Doubtful Assets:
Secured portion:
i. Upto one year 25%
ii. One to three years 40%
iii. More than three years
100%
Unsecured portion 100%
Loss Assets:
100%
3.4 In respect of foreign offices, classification of loans
and advances and provisions for non performing
advances are made as per the local regulations or as
per the norms of RBI, whichever is more stringent.
3.5 The sale of NPAs is accounted as per guidelines
prescribed by RBI. If the sale is at a price below net book
value, the shortfall is debited to the profit and loss
account, and in case of sale for a value higher than net
book value, the excess provision is retained and utilised
to meet the shortfall / loss on sale of other financial
assets. Net book value is outstandings as reduced by
specific provisions held and ECGC claims received.
3.6 Advances are net of specific loan loss provisions,
unrealised interest, ECGC claims received and bills
rediscounted.
164
3.7 For restructured/rescheduled assets, provisions are

made in accordance with the guidelines issued by RBI,
which require that the difference between the fair
value of the loan before and after restructuring is
provided for, in addition to provision for NPAs. The
provision for diminution in fair value and interest
sacrifice, arising out of the above, is reduced from
advances.
3.7 nwZgaMZmJV/nwZ: {ZYm[aV AmpV`m| Ho$ {bE mdYmZ ^maVr` [aOd

~H$ mam Omar {Xem-{ZX}em| Ho$ AZwgma {H$E JE h, {OZ_| `h Ano{jV
h {H$ nwZgaMZm Ho$ nhbo Ed ~mX Ho$ F$U Ho$ C{MV _y` H$s AVa
am{e Ho$ g~Y _| AZOH$ AmpV`m| Ho$ {bE {H$E JE mdYmZ Ho$ A{V[a$
mdYmZ {H$`m J`m h. Cnamo$ AmpV`m| go CV C{MV _y` _| H$_r
Ed Cg{OV `mO Ho$ mdYmZ H$mo A{J_ go KQ>m`m J`m h.
3.8 AZOH$ AmpV`m| Ho$ $n _| dJuH$V F$U ImVm| Ho$ _m_bo _|,
{d{Z`m_H$m| mam {ZYm[aV {Xem-{ZX}em| Ho$ AZw$n hmoZo na hr {H$gr
ImVo H$mo AOH$ ImVo Ho$ $n _| nwZdJuH$V {H$`m Om gH$Vm h.
3.9 nyddVu dfm} _| ~>o ImVo _| S>mbo JE F$Um| Ho$ ~Xbo dgybr JB am{e H$m
{ZYmaU Am` Ho$ $n _| {H$`m J`m h.
3.10 AZOH$ AmpV`m| na {d{e> mdYmZ Ho$ A{V[a$ _mZH$ AmpV`m|
Ho$ {bE ^r gm_m` mdYmZ {H$E JE h. ò mdYmZ VwbZn H$s
AZwgyMr 5 Ho$ ""A` Xo`VmE Ama mdYmZ - A`'' erf Ho$ AVJV
X{eV h Ama Bh| {Zdb AZOH$ AmpV`m| H$s JUZm _| em{_b Zht
{H$`m J`m h.
4.
5.
6.
3.8 In the case of loan accounts classified as NPAs, an

account may be reclassified as a performing asset if it
conforms to the guidelines prescribed by the regulators.
3.9 Amounts recovered against debts written off in earlier
years are recognised as revenue.
3.10 In addition to the specific provision on NPAs, general
provisions are also made for standard assets. These
provisions are reflected in Schedule 5 of the balance
sheet under the head Other Liabilities & Provisions
Others and are not considered for arriving at
Net NPAs.
AWm`r mdYmZ
~H$ _| A{J_m|, {d{ZYmZm| VWm gm_m` `moOZm| Ho$ {bE nWH$ $n go AWm`r
mdYmZm| Ho$ gOZ Ed Cn`moJ hoVw EH$ Zr{V bmJy h. gOZ {H$E OmZo dmbo BZ
AWm`r mdYmZm| H$s _mm H$m {ZYmaU òH$ {dm df Ho$ AV _| {H$`m
OmVm h. BZ AWm`r mdYmZm| H$m Cn`moJ ^maVr` [aOd ~H$ H$s nyd AZw_{V
go Zr{V _| {ZYm[aV AgmYmaU n[apW{V`m| Ho$ AYrZ {g\$ AmH$p_H$VmAm|
Ho$ {bE hr {H$`m J`m h.
4.
Xoedma F$U-OmopI_ Ho$ {bE mdYmZ

AmpV dJuH$aU H$s pW{V Ho$ AZw$n {H$E JE {d{e> mdYmZm| Ho$ A{V[a$
nWH$ Xoedma F$U OmopI_ ({ZOr Xoe H$mo N>moS>H$a) Ho$ {bE mdYmZ {H$E
JE h. BZ Xoem| H$m dJuH$aU gmV OmopI_ lo{U`m| `Wm ZJ`, H$_, gm_m`,
A{YH$, A`{YH$, {V~{YV Ed F$U _| em{_b Z hmoZo dmbo dJm] _| {H$`m
J`m h, VWm `h mdYmZ ^maVr` [aOd ~H$ Ho$ dV_mZ {Xem-{ZX}em| Ho$
AZwgma {H$`m J`m h. `{X òH$ Xoe go g~{YV ~H$ H$m Xoedma F$U
OmopI_ ({Zdb) Hw$b {Z{YH$ AmpV`m| Ho$ 1% go A{YH$ Zht hmoVm h, Vmo
Eogo Xoedma F$U OmopI_ na H$moB mdYmZ Zht aIm OmVm h. `h mdYmZ
VwbZn H$s AZwgM
y r 5 Ho$ "A` Xo`VmE Ama mdYmZ-A`' erf Ho$ AVJV
Xem`m J`m h.
So>ardo{Q>g :
6.1 ~H$ VwbZn H$s/VwbZn BVa AmpV`m| Ama Xo`VmAm| Ho$ {bE ~Mmd`dWm H$aZo `m BZHo$ H$`-{dH$` Ho$ `moOZ go So>ardo{Q>g g{dXmE
Ogo {dXoer _wm {dH$n, `mO Xa {d{Z_`, _wm {d{Z_`, nana
_wm `mO Xa {d{Z_` Ama dm`Xm Xa H$ama {Znm{XV H$aVm h. VwbZn
H$s AmpV`m| Ama Xo`VmAm| Ho$ {bE ~Mmd-`dWm H$aZo Ho$ `moOZ
go {Znm{XV H$s OmZo dmbr {d{Z_` g{dXmE Bg H$ma V`ma H$s OmVr
h {H$ VwbZn H$s AV{Z{hV _Xm| H$m ^md {VHy$b Ama {V
gVwbZH$mar hmo. BZ So>ardo{Q>d {bIVm| H$m ^md AV{Z{hV AmpV`m|
Ho$ H$`-{dH$` na {Zâ H$aVm h Ama Bgo ~Mmd-`dWm boImH$aU
{gmVm| Ho$ AZwgma boIo _| {b`m OmVm h.
6.2 ~Mmd g{dXmAm| Ho$ $n _| dJuH$V So>ardo{Q>d g{dXmAm| H$mo modZ
AmYma na A{H$V {H$`m J`m h. ~Mmd g{dXmAm| H$s JUZm V~ VH$
~mOma Ho$ ~hr _y` Ho$ AZwgma Zht H$s OmVr O~ VH$ {H$ AV{Z{hV
AmpV`m/Xo`VmE ~mOma Ho$ ~hr _y` Ho$ AZwgma A{H$V Z H$s JB hm|.
5.
C164 K164
Floating Provisions
The bank has a policy for creation and utilisation of floating
provisions separately for advances, investments and general
purpose. The quantum of floating provisions to be created is
assessed at the end of each financial year. The floating
provisions are utilised only for contingencies under extra
ordinary circumstances specified in the policy with prior
permission of Reserve Bank of India.
Provision for Country Exposure
In addition to the specific provisions held according to the
asset classification status, provisions are held for individual
country exposures (other than the home country). Countries
are categorised into seven risk categories namely,
insignificant, low, moderate, high, very high, restricted and
off-credit and provisioning made as per extant RBI guidelines.
If the country exposure (net) of the bank in respect of each
country does not exceed 1% of the total funded assets, no
provision is maintained on such country exposures. The
provision is reflected in schedule 5 of the balance sheet under
the head Other liabilities & Provisions Others.
6.
Derivatives:
6.1 The Bank enters into derivative contracts, such as
foreign currency options, interest rate swaps, currency
swaps, and cross currency interest rate swaps and
forward rate agreements in order to hedge on-balance
sheet/off-balance sheet assets and liabilities or for
trading purposes. The swap contracts entered to hedge
on-balance sheet assets and liabilities are structured
in such a way that they bear an opposite and off setting
impact with the underlying on-balance sheet items.
The impact of such derivative instruments is correlated
with the movement of the underlying assets and
accounted in accordance with the principles of hedge
accounting.
6.2 Derivative contracts classified as hedge are recorded
on accrual basis. Hedge contracts are not marked to
market unless the underlying Assets / Liabilities are
also marked to market.
7.
165
6.3 {gdm Cn`w$ Ho$, g^r A` So>ardo{Q>d g{dXmE CmoJ _| M{bV

gm_m`V`m _m` boImH$aU {gmVm| Ho$ AZwgma ~mOma Ho$ ~hr _y`
Ho$ AZwgma A{H$V H$s JB h. ~mOma Ho$ ~hr _y` Ho$ AZwgma A{H$V
So>ardo{Q>d g{dXmAm| Ho$ g~Y _| ~mOma _y` _| n[adVZ, n[adVZ H$s
Ad{Y _| bm^ Ama hm{Z ImVo _| em{_b {H$E JE h. So>ardo{Q>d
g{dXmAm| Ho$ AVJV m` am{e, Omo 90 {XZm| go A{YH$ A{VXo` h,
H$mo bm^ Ama hm{Z ImVo go ""CMV ImVm Hw$b m`'' _| {Vd{VV
{H$`m J`m h. Eogo _m_bm| _| Ohm So>ardo{Q>d g{dXmE ^{d` _| Ama
A{YH$ {ZnQ>mZ Ho$ Adga XmZ H$aVr h Ama `{X `h So>ardo{Q>d
g{dXm A{VXo` m` am{e`m| Ho$ 90 {XZm| go A{YH$ g_` VH$ AXm
ahZo Ho$ H$maU g_m Z hmo J`m hmo, Vmo ^mdr AmJ_m| go g~{YV
YZm_H$ E_Q>rE_ H$mo ^r bm^ Ama hm{Z ImVo go ""CMV ImVm
YZm_H$ E_Q>rE_'' _| {Vd{VV {H$`m OmVm h.
6.4 gXm `m m AmeZ r{_`_ AmeZ H$s Ad{Y H$s g_m{ na bm^
Ama hm{Z ImVo _| A{H$V {H$`m J`m h. {dH$` {H$E JE AmeZm| na
m r{_`_ Ama H$` {H$E JE AmeZm| na gXm r{_`_ H$s eof
am{e H$m \$maog Amoda X H$mCQ>a AmeZm| Ho$ {bE ~mOma _y` na
n[aH$bZ H$aHo$ ~hr _| em{_b {H$`m J`m h.
6.5 gmXm| Ho$ Co` go ~mOma (EgM|O) _| H$`-{dH$` {H$E OmZo dmbo
So>ardo{Q>dm| _| {H$E JE {d{ZYmZ H$mo EgM|O mam Xr JB M{bV
~mOma Xam| Ho$ AZwgma _y`m{H$V {H$`m J`m h Ama n[aUm_r bm^
VWm hm{Z H$mo bm^ Ama hm{Z ImVo _| Xem`m J`m h.
AMb AmpV`m Ama _y`mg :
7.1 AMb AmpV`m| H$m g{MV _y`mg go H$_ bmJV na AH$Z {H$`m
J`m h.
7.2 bmJV _| H$` bmJV VWm g_V ``, Ogo {H$ WmZ H$s V`mar,
gWmnZ bmJV| Ama AmpV na CgH$m Cn`moJ H$aZo go nyd dhZ H$s
JB `dgm` \$sg em{_b h. Cn`moJ H$s JB AmpV`m| na dhZ {H$E
JE AZwdVu `` H$mo Ho$db V^r nyOrH$V {H$`m J`m h, O~ ò ``
BZ AmpV`m| go hmoZo dmbo ^mdr bm^ H$mo `m BZ AmpV`m| H$s `mdhm[aH$
j_Vm H$mo ~T>mVo h.
7.3 BZ Xoer n[aMmbZm| Ho$ g~Y _| _y`mg H$s Xa| Ama _y`mg boIo _|
{XImZo H$s n{V H$m {ddaU {ZZmZwgma h :
H$_ AMb AmpV`m|
_y`mg
_y`mg/
g. H$m {ddaU
boIo _| {XImZo n[aemoYZ
H$s n{V
Xa
1 H$`yQ>a Ed EQ>rE_
grYr H$Q>mV r
33.33%
n{V
{V df
2 hmS>dò a Ho$ A{^
m{gV _y`
60%
AJ Ho$ $n _| em{_b
n{V
H$`yQ>a gmQ>doà
3 hmS>dò a Ho$ A{^ AJ
A{^JhU
Ho$ $n _| Z em{_b
df _| 100%
H$`yQ>a gmQ>doà
_y`mg
4 31 _mM 2001 VH$
grYr H$Q>mV r
H$nZr A{Y{Z`_
{dmr` n>o na
n{V
1956 Ho$ AYrZ
Xr JB AmpV`m
{ZYm[aV Xa na
5 A` AMb AmpV`m
m{gV _y`
Am`H$a {Z`_
n{V
1962 Ho$ AYrZ
{ZYm[aV Xa na
C165 K165
6.3 Except as mentioned above, all other derivative

contracts are marked to market as per the generally
accepted practices prevalent in the industry. In respect
of derivative contracts that are marked to market,
changes in the market value are recognised in the profit
and loss account in the period of change. Any receivable
under derivatives contracts, which remain overdue for
more than 90 days, are reversed through profit and loss
account to Suspense A/c Crystallised Receivables. In
cases where the derivative contracts provide for more
settlement in future and if the derivative contract is
not terminated on the overdue receivables remaining
unpaid for 90 days, the positive MTM pertaining to
future receivables is also reversed from Profit and Loss
Account to Suspense A/c - Positive MTM.
6.4 Option premium paid or received is recorded in profit
and loss account at the expiry of the option. The Balance
in the premium received on options sold and premium
paid on options bought have been considered to arrive
at Mark to Market value for forex Over the Counter
options.
6.5 Exchange Traded Derivatives entered into for trading
purposes are valued at prevailing market rates based
on rates given by the Exchange and the resultant gains
and losses are recognized in the Profit and Loss
Account.
7.
Fixed Assets and Depreciation

7.1 Fixed assets are carried at cost less accumulated
depreciation.
7.2 Cost includes cost of purchase and all expenditure such
as site preparation, installation costs and professional
fees incurred on the asset before it is put to use.
Subsequent expenditure incurred on assets put to use
is capitalised only when it increases the future benefits
from such assets or their functioning capability.
7.3 The rates of depreciation and method of charging
depreciation in respect of domestic operations are as
under:
Sr. Description of
No. fixed assets
1
Computers & ATM
Computer software
forming an integral
part of hardware
Computer Software
which does not form
an integral part of
hardware
Assets given on
financial lease upto
31st March 2001
Other fixed assets
Method of
charging
depreciation
Straight Line
Method
Written Down
Value
Method
Straight Line
Method
Depreciation/
amortisation
rate
33.33% every
year
60%
100% depreciated
in the year of
acquisition
At the rate
prescribed under
the Companies
Act, 1956
Written down At the rate
value method prescribed under
the Income-tax
Rules, 1962
166
7.4 In respect of assets acquired during the year for

domestic operations, depreciation is charged for half a
year in respect of assets used for upto 180 days and for
the full year in respect of assets used for more than 180
days, except depreciation on computers and software,
which is charged for the full year irrespective of the
period for which the asset was put to use.
7.4 df Ho$ XmamZ Xoer n[aMmbZm| go m AmpV`m| Ho$ g~Y _| _y`mg

180 {XZm| VH$ `w$ AmpV`m| na AYdf Ho$ {bE VWm 180 {XZm| go
A{YH$ `w$ AmpV`m| na nyao df Ho$ {bE boIo _| {XIm`m J`m h,
O~{H$ H$`yQ>am| Ama gmQ>doà na _y`mg - Bg AmpV H$m Cn`moJ
H$aZo H$s Ad{Y go {Zanoj nyao df Ho$ {bE boIo _| {XIm`m J`m h.
7.5 Eogr _X| {OZ_| go òH$ H$m _y` `1,000/- go H$_ hmo Ch| H$`
df _| hr ~>o ImVo _| S>mb {X`m J`m h.
7.6 n>mH$V n[agam| go g~ n>m r{_`_, `{X hmo, H$mo n>m Ad{Y na
n[aemo{YV {H$`m J`m h Ama n>m {H$amò H$mo Cgr df Ho$ boIo _|
{XIm`m J`m h.
7.7 ~H$ mam 31 _mM 2001 H$mo `m Cggo nyd n>o na Xr JB AmpV`m| Ho$
g~Y _| n>o na Xr JB AmpV`m| Ho$ _y` H$mo n>mH$V AmpV`m| Ho$ $n
_| AMb AmpV`m| Ho$ AVJV Xem`m J`m h Ama dm{fH$ n>m ewH$
(nyOr-dgybr) Ed _y`mg Ho$ AVa H$mo n>m g_mZrH$aU boIo _|
{b`m J`m h.
7.8 {dXoe pWV H$m`mb`m| _| Ym[aV AMb AmpV`m| na _y`mg H$m
mdYmZ g~{YV Xoem| Ho$ WmZr` {d{Z`_m|/_mZXS>m| Ho$ AZwgma {H$`m
J`m h.
8.
n>o
AmpV dJuH$aU Ama A{J_m| Ho$ {bE bmJy mdYmZrH$aU _mZXS>m| H$m Cnamo$
nam 3 _| {XE JE {Xem-{ZX}em| Ho$ AZwgma {dmr` n>m| _| ^r `moJ {H$`m J`m
h.
7.5 Items costing less than `1,000 each are charged off in
the year of purchase.
7.6 In respect of leasehold premises, the lease premium, if
any, is amortised over the period of lease and the lease
rent is charged in the respective year.
7.7 In respect of assets given on lease by the Bank on or
before 31st March 2001, the value of the assets given
on lease is disclosed as Leased Assets under fixed assets,
and the difference between the annual lease charge
(capital recovery) and the depreciation is taken to Lease
Equalisation Account.
7.8 In respect of fixed assets held at foreign offices,
depreciation is provided as per the regulations /norms
of the respective countries.
8.
The asset classification and provisioning norms applicable to

advances, as laid down in Para 3 above, are applied to financial
leases also.
9.
9.
AmpV`m| H$s Angm_m`Vm

O~ H$^r KQ>ZmE AWdm pW{V`m| _| n[adVZ `h gHo$V XoVo h {H$ {H$gr
AmpV H$s AJmZrV am{e H$s dgybr g{XY h, Vmo Eogr pW{V _| AMb
AmpV`m| H$s Angm_m`Vm hoVw g_rjm H$s OmVr h. Ym[aV Ama `moJ H$s
OmZo dmbr AmpV H$s dgybr hmo nmEJr `m Zht Bgo _mnZo Ho$ {bE AmpV Ho$
AJmZrV _y` H$s VwbZm AmpV mam Ano{jV ^{d`JV {Zdb ~>mH$V
ZH$Xr dmh go VwbZm H$aHo$ kmV H$s OmVr h. `{X Eogr AmpV`m| H$mo
Angm_m`Vm Ho$ `mo` nm`m OmVm h, Vmo Angm_m`Vm H$m _mn-A{^kmZ
Cg A{YH$ am{e Ho$ AmYma na {H$`m OmVm h Omo AmpV Ho$ AJmZrV _y`
Ama CgHo$ C{MV _y` Ho$ ~rM H$m AVa h.
10. {dXoer _wm {d{Z_` Xa _| CVma-MT>md H$m ^md

10.1 {dXoer _wm boZXoZ
i.
{dXoer _wm boZXoZ H$mo boZXoZ H$s {V{W H$mo gy{MV _wm Ama
{dXoer _wm Ho$ ~rM {d{Z_` Xa H$s {dXoer _wm am{e Ho$ `moJ
mam gy{MV _wm _| ma{^H$ {ZYmaU na XO {H$`m J`m h.
ii. {dXoer _wm _m{H$ _Xm| H$s gyMZm ^maVr` {dXoer _wm `mnmar
gK (E\$BS>rEAmB) H$s A{V_ VH$mb / dm`Xm Xam| H$m `moJ
H$aHo$ Xr JB h.
iii. {dXoer _wm Ja _m{H$ _Xm|, Omo Ad{YJV bmJV Ho$ AmYma na
br JB h, H$s gyMZm boZXoZ H$s {V{W H$mo M{bV _wm {d{Z_`
Xam| H$m `moJ H$aHo$ Xr JB h.
iv. {dXoer _wm _| _y`m{H$V AmH$p_H$ Xo`VmAm| H$s gyMZm
E\$BS>rEAmB H$s A{V_ VH$mb Xa H$m `moJ H$aHo$ Xr JB h.
v.
`dgm` Ho$ {bE aIr JB ~H$m`m VH$mb {dXoer _wm {d{Z_`
VWm dm`Xm g{dXmAm| H$mo BZH$s {ZYm[aV n[an$Vm Ho$ {bE
C166 K166
Leases
Impairment of Assets
Fixed Assets are reviewed for impairment whenever events
or changes in circumstances warrant that the carrying amount
of an asset may not be recoverable. Recoverability of assets
to be held and used is measured by a comparison of the
carrying amount of an asset to future net discounted cash
flows expected to be generated by the asset. If such assets
are considered to be impaired, the impairment to be
recognised is measured by the amount by which the carrying
amount of the asset exceeds the fair value of the asset.
10. Effect of changes in the foreign exchange rate

10.1 Foreign Currency Transactions
i.
Foreign currency transactions are recorded on

initial recognition in the reporting currency by
applying to the foreign currency amount the
exchange rate between the reporting currency and
the foreign currency on the date of transaction.
ii.
Foreign currency monetary items are reported

using the Foreign Exchange Dealers Association of
India (FEDAI) closing spot/forward rates.
iii.
Foreign currency non-monetary items, which are

carried in terms at historical cost, are reported
using the exchange rate at the date of the
transaction.
iv.
Contingent liabilities denominated in foreign

currency are reported using the FEDAI closing
spot rates.
v.
Outstanding foreign exchange spot and forward

contracts held for trading are revalued at the
exchange rates notified by FEDAI for specified
167
maturities, and the resulting profit or loss is

recognised in the Profit and Loss account.
E\$BS>rEAmB mam A{Ygy{MV _wm {d{Z_` Xam| na nwZ_y `m{H$V

{H$`m J`m h Ama n[aUm_r bm^ `m hm{Z H$mo bm^ Ama hm{Z
ImVo _| em{_b {H$`m J`m h.
vi.
{dXoer _wm dm`Xm g{dXmAm|, Omo `dgm` Ho$ {bE Ano{jV

Zht h Ama VwbZn H$s {V{W H$mo ~H$m`m h, H$m A{V_ VH$mb
Xa na _y`mH$Z {H$`m J`m h. Eogr dm`Xm {d{Z_` g{dXm Ho$
ma^ go CV r{_`_ `m ~>o H$mo g{dXm H$s n[an$Vm Ad{Y
Ho$ `` `m Am` Ho$ $n _| n[aemo{YV {H$`m J`m h.
vii.
_m{H$ _Xm| Ho$ {ZYmaU go CV {d{Z_` AVa am{e`m| H$mo CZ

Xam|, Omo Xao Ama^ go XO H$s JB Wt, go {^ Xam| na Cg
Ad{Y, {Og_| ò Xa| CV hB h, H$s Am` `m `` Ho$ $n _|
{ZYm[aV {H$`m J`m h.
viii.
_wm dm`Xm `mnma _| {dXoer _wm Xam| H$s Ama{^H$ pW{V _|

hE n[adVZm| Ho$ H$maU hE bm^/hm{Z H$mo {dXoer _wm g_memoYZ
Jh go {V{XZ {ZYm[aV {H$`m OmVm h Ama Bg bm^/hm{Z H$mo
bm^ Ama hm{Z ImVo _| em{_b {H$`m J`m h.
vi.
Foreign exchange forward contracts which are not

intended for trading and are outstanding at the
balance sheet date, are valued at the closing spot
rate. The premium or discount arising at the
inception of such a forward exchange contract is
amortised as expense or income over the life of
the contract.
vii.
Exchange differences arising on the settlement of

monetary items at rates different from those at
which they were initially recorded are recognised
as income or as expense in the period in which
they arise.
viii. Gains / Losses on account of changes in exchange

rates of open position in currency futures trades
are settled with the exchange clearing house on
daily basis and such gains / losses are recognised
in the profit and loss account.
10.2 Foreign Operations
10.2 {dXoer n[aMmbZ

~H$ H$s {dXoe pWV emImAm| Ama g_wnmar` ~qH$J BH$mB`m| H$mo
Ag_mH${bV n[aMmbZm| Ho$ $n _| dJuH$V {H$`m J`m h Ama {V{Z{Y
H$m`mb`m| H$mo g_mH${bV n[aMmbZm| Ho$ $n _| dJuH$V {H$`m J`m h.
Foreign Branches of the Bank and Offshore Banking Units have

been classified as Non-integral Operations and Representative
Offices have been classified as Integral Operations.
a.
Non-integral Operations:
i.
Both monetary and non-monetary foreign

currency assets and liabilities including contingent
liabilities of non-integral foreign operations are
translated at closing exchange rates notified by
FEDAI at the balance sheet date.
ii.
Ag_mH${bV {dXoer n[aMmbZm| H$s Am` Ed `` H$mo {V_mhr

H$s AmgV A{V_ Xa na $nmV[aV {H$`m J`m h.
Income and expenditure of non-integral foreign

operations are translated at quarterly average
closing rates.
iii.
{Zdb {d{ZYmZ H$m {ZnQ>mZ hmoZo VH$ Ag_mH${bV {dXoer

n[aMmbZm| go CV {d{Z_` AVa-am{e`m| H$m gM`Z {dXoer
_wm $nmVaU Ama{jVr _| {H$`m J`m h.
Exchange differences arising on net investment in

non-integral foreign operations are accumulated
in Foreign Currency Translation Reserve until the
disposal of the net investment.
iv.
The Assets and Liabilities of foreign offices in

foreign currency (other than local currency of
the foreign offices) are translated into
local currency using spot rates applicable to
that country.
H$. Ag_mH${bV n[aMmbZ :

i.
ii.
iii.
iv.
Ag_mH${bV {dXoer n[aMmbZm| H$s XmoZm| _m{H$ Ama Ja_m{H$ {dXoer _wm AmpV`m| Ed Xo`VmAm| VWm AmH$p_H$
Xo`VmAm| H$mo VwbZn {V{W H$mo \o$S>B mam A{Ygy{MV A{V_
{d{Z_` Xam| na $nmV[aV {H$`m J`m h.
{dXoe pWV H$m`mb`m| H$s AmpV`m| Ama Xo`VmAm| H$s {dXoer

_wm ({dXoe pWV H$m`mb`m| H$s WmZr` _wm Ho$ Abmdm) H$mo
Cg Xoe _| `mo` VH$mb Xam| H$m `moJ H$aHo$ WmZr` _wm _|
$nmV[aV {H$`m J`m h.
I. g_mH${bV n[aMmbZ:
i.
{dXoer _wm boZXoZ H$mo boZXoZ H$s {V{W H$s gy{MV _wm Ama
{dXoer _wm _| {d{Z_` Xa na {dXoer _wm am{e Ho$ `moJ mam
gy{MV _wm _| Ama{^H$ A{^kmZ na XO {H$`m J`m h.
ii.
g_mH${bV {dXoer n[aMmbZm| H$s _m{H$ {dXoer _wm AmpV`m|

Ama Xo`VmAm| H$mo VwbZn H$s {V{W H$mo \o$S>B mam A{Ygy{MV
A{V_ {d{Z_` Xam| na $nmV[aV {H$`m J`m h Ama n[aUm_r
bm^/hm{Z H$mo bm^ Ama hm{Z ImVo _| em{_b {H$`m J`m h.
iii.
Ad{YJV bmJV Ho$ AZw$n AJmZrV {dXoer _wm Ja-_m{H$

_Xm| H$s gyMZm boZXoZ H$s {V{W H$mo M{bV {d{Z_` Xa H$m
`moJ H$aHo$ Xr JB h.
C167 K167
b.
Integral Operations:
i.
Foreign currency transactions are recorded on

initial recognition in the reporting currency by
applying to the foreign currency amount the
exchange rate between the reporting currency and
the foreign currency on the date of transaction.
ii.
Monetary foreign currency assets and liabilities of

integral foreign operations are translated at closing
exchange rates notified by FEDAI at the balance
sheet date and the resulting profit/loss is included
in the profit and loss account.
iii.
Foreign currency non-monetary items which are

carried in terms of historical cost are reported
using the exchange rate at the date of the
transaction.
168
11. H$_Mmar {hVbm^ :

11.1 Anmd{Y H$_Mmar {hVbm^ :
Anmd{Y H$_Mmar {hVbm^ `Wm {M{H$gm {hVbm^, AmH$p_H$
AdH$me Am{X H$s ~>ma{hV am{e H$mo, {OgH$mo H$_Mm[a`m| mam
Xm godm Ho$ {d{Z_` _| XmZ {H$`m OmZm Ano{jV h, H$_Mm[a`m|
mam Xm godm Ad{Y Ho$ XmamZ em{_b {H$`m J`m h.
11.1 Short Term Employee Benefits:

The undiscounted amount of short-term employee
benefits, such as medical benefits, casual leave etc.
which are expected to be paid in exchange for the
services rendered by employees are recognised during
the period when the employee renders the service.
i.
{Z`V {hVbm^ `moOZm

H$. ~H$ EH$ ^{d` {Z{Y `moOZm H$m n[aMmbZ H$aVm
h. ~H$ H$s ^{d` {Z{Y `moOZm Ho$ AVJV g^r
nm H$_Mmar `h {hVbm^ m H$aZo Ho$ hH$Xma h.
~H$ {ZYm[aV Xa na (dV_mZ g_` _| H$_Mm[a`m| Ho$
_yb doVZ Ed nm-^mo H$m 10%) _m{gH$ AeXmZ
H$aVm h. BZ AeXmZm| H$mo, Bg Co` Ho$ {bE Wm{nV
`mg H$mo o{fV H$a {X`m OmVm h VWm Bgo bm^ Ama
hm{Z ImVo _| {XIm`m OmVm h. ~H$ - Bg H$ma Ho$
dm{fH$ AeXmZm| H$mo g~{YV df Ho$ gX^ _| ``
_mZVm h.
I. ~H$, Jo`wQ>r Ama n|eZ Ogr {Z`V {hVbm^ `moOZmE
n[aMm{bV H$aVm h.
J.
11. Employee Benefits:
11.2 Post Employment Benefits:
11.2 ZmH$ar CnamV {hVbm^:

i.
~H$ g^r nm H$_Mm[a`m| H$mo Jo`wQ>r XmZ H$aVm h.

`h {hVbm^ H$_Mm[a`m| H$mo CZH$s godm{Zd{m, ZmH$ar
Ho$ XmamZ _`w hmo OmZo AWdm ZmH$ar H$s g_m{ na
EH$_wV am{e Ho$ ^wJVmZ Ho$ $n _| XmZ {H$`m OmVm
h. `h am{e ~H$ H$s godm Ho$ òH$ nyU df Ho$ {bE
Xo` 15 {XZm| Ho$ _yb doVZ Ho$ g_Vw` am{e `m `10
bmI H$s A{YH$V_ am{e hmoVr h. `h {hVbm^ godm
Ho$ nmM df nyao hmoZo na hr m hmoVm h. ~H$ Bg am{e
H$m dm{fH$ AeXmZ dV ~m ~r_m{H$H$ _y`Z Ho$
AmYma na `m{g`m| mam {Z`{V {Z{Y _| H$aVm h.
K.
~H$ g^r nm H$_Mm[a`m| H$mo n|eZ XmZ H$aVm h.

`h {hVbm^ {Z`_mZwgma _m{gH$ ^wJVmZ Ho$ $n _|
XmZ {H$`m OmVm h Ama n|eZ H$m `h {Z`{_V ^wJVmZ
H$_Mm[a`m| H$mo {Z`_mZwgma CZH$s godm{Zd{m, ZmH$ar
Ho$ XmamZ _`w hmoZo `m ZmH$ar H$s g_m{ na {d{^
MaUm| _| {H$`m OmVm h. ~H$ Eg~rAmB n|eZ \$S>
{Z`_m| Ho$ AZwgma n|eZ {Z{Y _| doVZ Ho$ 10% H$m
dm{fH$ AeXmZ H$aVm h. n|eZ-Xo`Vm H$s JUZm
dm{fH$ dV ~r_m{H$H$ _y`Z Ho$ AmYma na H$s
OmVr h Ama ~H$ Amd`H$ hmoZo na n|eZ {d{Z`_m| Ho$
AVJV {hVbm^m| Ho$ ^wJVmZ H$mo gw{Z{V H$aZo Ho$
{bE Bg {Z{Y _| A{V[a$ AeXmZ H$aVm h&
L.
{Z`V {hVbm^-mdYmZ-bmJV òH$ VwbZn H$s

{V{W na ~r_m{H$H$ _y`Z Ho$ AmYma na AZw_m{ZV
`y{ZQ> F$U n{V Ho$ `moJ go {ZYm[aV H$s JB h.
~r_m{H$H$ bm^/hm{Z H$mo bm^ Ama hm{Z {ddaU _|
VwaV em{_b H$a {X`m J`m h Ama Ch| W{JV Zht
{H$`m J`m h.
C168 K168
Defined Benefit Plan

a.
The Bank operates a Provident Fund scheme.

All eligible employees are entitled to receive
benefits under the Banks Provident Fund
scheme. The Bank contributes monthly at a
determined rate (currently 10% of
employees basic pay plus eligible
allowance). These contributions are remitted
to a trust established for this purpose and
are charged to Profit and Loss Account. The
bank recognises such annual contributions
as an expense in the year to which it relates.
b.
The bank operates gratuity and pension

schemes which are defined benefit plans.
c.
The Bank provides for gratuity to all eligible

employees. The benefit is in the form of lump
sum payments to vested employees on
retirement, on death while in employment,
or on termination of employment, for an
amount equivalent to 15 days of basic salary
payable for each completed year of service,
subject to a maximum amount of `10 lacs.
Vesting occurs upon completion of five years
of service. The Bank makes annual
contributions to a fund administered by
trustees based on an independent external
actuarial valuation carried out annually.
d.
The Bank provides for pension to all eligible

employees. The benefit is in the form of
monthly payments as per rules and regular
payments to vested employees on
retirement, on death while in employment,
or on termination of employment. Vesting
occurs at different stages as per rules. The
Bank makes annual contribution to the
pension fund at 10% of salary in terms of SBI
Pension Fund Rules. The pension liability is
reckoned based on an independent actuarial
valuation carried out annually and Bank
makes such additional contributions to the
Fund as may be required to secure payment
of the benefits under the pension
regulations.
e.
The cost of providing defined benefits is

determined using the projected unit credit
method, with actuarial valuations being
carried out at each balance sheet date.
Actuarial gains/losses are immediately
recognised in the statement of profit and loss
and are not deferred.

ii.
169
ii.
{Z`V AeXmZ `moOZmE:
The bank operates a new pension scheme (NPS)

for all officers / employees joining the Bank on or
after 1 st August, 2010, which is a defined
contribution plan, such new joinees not being
entitled to become members of the existing SBI
Pension Scheme. As per the scheme, the covered
employees contribute 10% of their basic pay plus
dearness allowance to the scheme together with
a matching contribution from the Bank. Pending
completion of registration procedures, these
contributions are retained as deposits in the bank
and earn interest at the same rate as that of the
current account of Provident Fund balance. The
bank recognises such annual contributions and
interest as an expense in the year to which
they relate.
~H$ Zo 01 AJV 2010 H$mo `m CgHo$ ~mX ~H$ _| H$m`JhU

H$aZo dmbo A{YH$m[a`m|/H$_Mm[a`m| Ho$ {bE EH$ ZB n|eZ `moOZm
bmJy H$s h, Omo EH$ {Z`V AeXmZ `moOZm h Ama Zò H$_Mmar
~H$ H$s dV_mZ n|eZ `moOZm Ho$ gX` ~ZZo Ho$ nm Zht h&
Bg `moOZm Ho$ VhV AmZo dmbo H$_Mmar, AnZo _yb doVZ Ama
_hJmB ^mo Ho$ 10% H$s am{e H$mo AeXmZ Ho$ $n _| O_m H$a|Jo
Ama BVZr hr am{e ~H$ AnZr Amoa go XoJm& nOrH$aU {H$`m
nyar hmoZo VH$, BZ AeXmZm| H$mo ~H$ _| O_m aIm OmVm h Ama
Bg O_mam{e na {H$gr Mmby ^{d` {Z{Y ImVo Ho$ g_Vw`
`mO {_bVm h. ~H$ BZ dm{fH$ AeXmZm| Ama BZ na {XE
OmZo dmbo `mO H$mo g~{YV df H$m IM _mZVm h.
iii.
H$_Mm[a`m| Ho$ A` XrKmd{Y {hVbm^:

H$. ~H$ H$m òH$ H$_Mmar {Vny[aV AZwnpW{V, aOV
O`Vr g_mZ Ama AdH$me `mm [a`m`V, godm{Zd{m
bm^ Ama nwZdmgZ ^mo H$m nm hmoVm h. Bg H$ma H$s
XrKmd{Y H$_Mmar {hVbm^ H$s bmJV Ho$ {bE {Z{Y
~H$ mam AmV[aH$ moV go CnbY H$amB OmVr h.
I. A` XrKmd{Y {hVbm^ Ho$ mdYmZ H$s bmJV H$m
{ZYmaU òH$ VwbZn H$s {V{W H$mo ~r_m{H$H$ _y`Z
H$s AZw_m{ZV `y{ZQ> F$U n{V Ho$ `moJ go {H$`m J`m
h. nyddVu godm bmJV H$mo bm^ Ama hm{Z {ddaU _|
VwaV em{_b H$a {X`m J`m h Ama Ch| W{JV Zht
{H$`m J`m h.
11.3 {dXoe pWV H$m`mb`m| _| {Z`wV H$_Mm[a`m| Ho$ H$_Mmar {hVbm^m|

H$mo g~{YV Xoem| H$s WmZr` {d{Y`m|/{d{Z`_m| Ho$ AZwgma _y`m{H$V
Ed boIm{H$V {H$`m J`m h&
Defined Contribution Plans
iii.
Other Long Term Employee benefits:

a.
All eligible employees of the bank are eligible

for compensated absences, silver jubilee
award, leave travel concession, retirement
award and resettlement allowance. The costs
of such long term employee benefits are
internally funded by the Bank.
b.
The cost of providing other long term

benefits is determined using the projected
unit credit method with actuarial valuations
being carried out at each balance sheet date.
Past service cost is immediately recognised
in the statement of profit and loss and is not
deferred.
11.3 Employee benefits relating to employees employed at

foreign offices are valued and accounted for as per
the respective local laws/regulations.
12. Taxes on income
12. Am` na H$a

12.1 dV_mZ H$a VWm AmW{JV H$a H$s Hw$b am{e Am` H$a `` h. Mmby
df Ho$ H$am| H$m {ZYmaU boIm _mZH$ 22 Ama ^maV _| M{bV H$a
{Z`_m| Ho$ AZwgma {dXoe pWV H$m`mb`m| Ho$ _m_bo _| g~{YV Xoem|
Ho$ H$a {Z`_m| H$mo em{_b H$aHo$ {H$`m J`m h. AmW{JV H$a AmpV`m|
`m Xo`VmAm| _| Cg Ad{Y Ho$ XmamZ hE CVma-MT>md AmW{JV H$a
g_m`moOZm| _| g_m{d> h.
12.1 Income tax expense is the aggregate amount of current

tax and deferred tax. Current taxes are determined in
accordance with the provisions of Accounting Standard
22 and tax laws prevailing in India after taking into
account taxes of foreign offices, which are based on the
tax laws of respective jurisdiction. Deferred tax
adjustments comprise of changes in the deferred tax
assets or liabilities during the period.
12.2 AmW{JV H$a - AmpV`m| Ama Xo`VmAm| H$m AmH$bZ A{Y{Z`{_V

H$a - Xam| Ama H$a - H$mZyZm| AWdm VwbZn - {V{W Ho$ H$m\$s nyd
A{Y{Z`{_V Xam| Ama H$mZyZ Ho$ AmYma na {H$`m J`m h. AmW{JV
H$a AmpV`m| Ama Xo`VmAm| H$m A{^kmZ {ddoH$nyU AmYma na AmpV`m|
Ama Xo`VmAm| Ho$ AJmZrV _y` Ama CZHo$ H$_e: H$a-AmYma Ama
AJmZrV j{V`m| Ho$ ~rM Ad{YJV AVa H$mo `mZ _| aIH$a {H$`m
J`m h. AmW{JV H$a AmpV`m| Ama Xo`VmAm| _| hE n[adVZ H$m
^md bm^ Ama hm{Z ImVo _| H$Q> {H$`m J`m h.
12.2 Deferred tax assets and liabilities are measured using

tax rates and tax laws that have been enacted or
substantially enacted prior to the balance sheet date.
Deferred tax assets and liabilities are recognised on a
prudent basis for the future tax consequences of timing
differences arising between the carrying values of assets
and liabilities and their respective tax bases, and carry
forward losses. The impact of changes in the deferred
tax assets and liabilities is recognised in the profit and
loss account.
12.3 AmW{JV H$a AmpV`m| H$mo, dgybr H$s {Z{VVm hmoZo Ho$ ~YZ Ho$
{ZU` Ho$ AmYma na, òH$ gy{MV {V{W H$mo aoIm{H$V Ama nwZ{ZYm[aV
{H$`m J`m h. O~ `h nyU $n go gw{Z{V hmo J`m h {H$ Eogr AmW{JV
12.3 Deferred tax assets are recognised and reassessed at

each reporting date, based upon managements
judgement as to whether realisation is considered
reasonably certain. Deferred tax assets are recognised
C169 K169
170
H$a AmpV`m| H$s dgybr ^mdr bm^ go H$s Om gH$Vr h, V~ AmW{JV

H$a AmpV`m| H$m A{^kmZ AZdemo{fV _y`mg Ama H$a hm{Z`m| Ho$
AJZ`Z na {H$`m J`m h.
13. {V eoà Am`
13.1 ~H$ AmBgrEAmB mam Omar boIm _mZH$-20 "{V eoà Am`' Ho$
AZwgma {V eoà _yb Ama H$_ hB Am` H$s [anmoQ> H$aVm h. {V eoà
_yb Am` H$s JUZm H$amonamV {Zdb bm^ H$mo Cg df Ho$ {bE eof
B{$Q>r eoàm| H$s ^m[aV AmgV g`m go {d^m{OV H$aHo$ H$s OmVr h.
13.2 H$_ H$s hB {V eoà Am` `h X{eV H$aVr h {H$ `{X {V^y{V`m|
AWdm A` g{dXmAm| H$mo df Ho$ XmamZ Omar H$aZo `m gn[ad{VV H$aZo
H$m {dH$n {b`m J`m Vmo eoà _y`m| _| {H$VZr H$_r AmEJr. H$_ H$s
hB {V eoà Am` H$s JUZm B{$Q>r eoàm| H$s ^m[aV AmgV g`m Ama
H$_ g^mdZm B{$Q>r eoàm| Ho$ ~rM VwbZm H$aHo$ H$s OmVr h.
on carry forward of unabsorbed depreciation and tax

losses only if there is virtual certainty that such deferred
tax assets can be realised against future profits.
13. Earnings per Share
13.1 The Bank reports basic and diluted earnings per share
in accordance with AS 20 -Earnings per Share issued
by the ICAI. Basic earnings per share are computed by
dividing the net profit after tax by the weighted average
number of equity shares outstanding for the year.
13.2 Diluted earnings per share reflect the potential dilution
that could occur if securities or other contracts to issue
equity shares were exercised or converted during the
year. Diluted earnings per share are computed using the
weighted average number of equity shares and dilutive
potential equity shares outstanding at year end.
14. Provisions, Contingent Liabilities and Contingent Assets
14. mdYmZ, AmH$p_H$ Xo`VmAm| Ama AmH$p_H$ AmpV`m

14.1 ^maVr` gZXr boImH$ma gWmZ Ho$ boIm _mZH$ 29 Ho$ AZwgma Omar
""mdYmZ, AmH$p_H$ Xo`VmE Ama AmH$p_H$ AmpV`m|'' _| ~H$
{nN>bo n[aUm_ go CV dV_mZ Xm{`d hmoZo na hr mdYmZ em{_b
H$aVm h, `h g^d h {H$ Xm{`d Ho$ {ZYmaU _| Am{WH$ bm^ H$mo
g_m{d> H$aZo dmbo ggmYZm| Ho$ ~{hJ_Z H$s Amd`H$Vm nS>oJr Ama
V^r Bg Xm{`d am{e H$m {dV m$bZ {H$`m Om gH$Vm h.
14.2 {ZZ{bpIV Ho$ {bE {H$gr mdYmZ H$m A{^kmZ Zht {H$`m J`m h
i.
{nN>bo n[aUm_ go CV {H$gr g^m{dV Xm{`d Ho$ {bE Ama
~H$ Ho$ {ZÙ go ~mha hmoZo dmbo EH$ `m A{YH$ A{Z{V
^mdr n[aUm_m| H$s m{ `m Am{ go {OgH$s nw{> H$s Om
gHo$Jr, AWdm
ii. {H$gr dV_mZ Xm{`d Ho$ {bE, Omo {nN>bo n[aUm_m| go CV h,
{H$Vw Cgo A{^kmZ _| Zht {b`m J`m h, `m|{H$
H$. `h g^d Zht h {H$ Xm{`d Ho$ {ZYmaU _| Am{WH$
bm^m| H$mo g_m{d> H$aZo dmbo ggmYZm| H$m ~{hJ_Z
Amd`H$ hmoJm, AWdm
I. Xm{`d am{e H$m {dV m$bZ Zht {H$`m Om gH$Vm.
Eogo Xm{`dm| H$mo AmH$p_H$ Xo`VmAm| Ho$ $n _| XO {H$`m J`m h. BZ
Xm{`dm| H$m {Z`{_V AVambm| na _y`mH$Z {H$`m OmVm h Ama Eogo
Xm{`d Ho$ Ho$db Cg Ae H$m, {OgHo$ Am{WH$ bm^m| H$mo g_m{d>
H$aZo dmbo ggmYZm| Ho$ ~{hJ_Z H$s g^mdZm h, {ZVmV {dabr
n[apW{V`m|, {OZ_| H$moB {dV m$bZ Zht {H$`m Om gH$Vm, Ho$
Abmdm mdYmZ {H$`m J`m h.
14.3 AmH$p_H$ AmpV`m| H$mo {dmr` {ddaUm| _| em{_b Zht {H$`m J`m h.
15. {deof Ama{j{V`m
Am` Ed A` Ama{j{V`m| _| Am`H$a A{Y{Z`_ 1961 H$s Ymam
36 (1) (viii) Ho$ VhV {Z{_V {deof Ama{j{V`m em{_b h. ~H$ Ho$ {ZXoeH$
~moS> Zo Ama{jVr Ho$ gOZ H$mo AZw_mo{XV H$aVo hE Ama `h nw{Q> H$aVo hE {H$
Bg {deof Ama{jVr go AmhaU H$aZo H$s ~H$ H$s H$moB _em Zht h, EH$
gH$n nm[aV {H$`m h.
14.1 In conformity with AS 29, Provisions, Contingent

Liabilities and Contingent Assets, issued by the Institute
of Chartered Accountants of India, the Bank recognises
provisions only when it has a present obligation as a
result of a past event, it is probable that an outflow of
resources embodying economic benefits will be
required to settle the obligation, and when a reliable
estimate of the amount of the obligation can be made.
14.2 No provision is recognised for
i.
any possible obligation that arises from past events

and the existence of which will be confirmed only
by the occurrence or non-occurrence of one or
more uncertain future events not wholly within
the control of the Bank; or
ii.
any present obligation that arises from past events

but is not recognised because
a.
it is not probable that an outflow of resources

embodying economic benefits will be
required to settle the obligation; or
b.
a reliable estimate of the amount of

obligation cannot be made.
Such obligations are recorded as Contingent Liabilities.

These are assessed at regular intervals and only that
part of the obligation for which an outflow of resources
embodying economic benefits is probable, is provided
for, except in the extremely rare circumstances where
no reliable estimate can be made.
14.3 Contingent Assets are not recognised in the financial
statements.
15. Special Reserves
Revenue and Other Reserves include Special Reserve created
under Section 36 (1) (viii) of the Income Tax Act, 1961. The
Board of Directors of the Bank has passed a resolution
approving creation of the reserve and confirming that it has
no intention to make withdrawal from the Special Reserve.
16. Share Issue Expenses
16. eoà {ZJ_ ``

eoà Omar H$aZo Ho$ `` H$mo eoà r{_`_ ImVo _| em{_b {H$`m J`m h.
C170 K170
Share issue expenses are charged to the Share Premium

Account.
171
Schedule - 18
AZwgyMr - 18
boIm-{Q>n{U`m
NOTES TO ACCOUNTS
(Amount in Rupees in crores)
(am{e H$amoS> n`m| _|)

18.1 nyOr :
1. nyOr-n`mVVm AZwnmV :
H$. _X|
g.
(i)
(ii)
18.1 Capital:
1.
31 _mM 2012 31 _mM 2011

H$s pW{V Ho$ H$s pW{V Ho$
AZwgma
AZwgma
Omo{I_ ^m[aV AmpV`m| H$s VwbZm _| nyOr-AZwnmV(%) (~ogb - I)
12.05
10.69
Omo{I_ ^m[aV AmpV`m| H$s VwbZm _| nyOr-AZwnmVloUr - I nyOr (%) (~ogb - I)
8.50
6.93
(iii) Omo{I_ ^m[aV AmpV`m| H$s VwbZm _| nyOr-AZwnmVloUr - II nyOr (%) (~ogb - I)
(iv) Omo{I_ ^m[aV AmpV`m| H$s VwbZm _| nyOr-AZwnmV(%) (~ogb - II)
3.55
13.86
Sr.
No.
(i)
12.05
10.69
Capital to Risk-weighted Assets Ratio Tier I capital (%) (Basel-I)
8.50
6.93
(iii)
Capital to Risk-weighted Assets Ratio Tier II capital (%)(Basel-I)
3.55
3.76
(iv)
Capital to Risk-weighted Assets Ratio

(%) (Basel-II)
13.86
11.98
(v)
Capital to Risk-weighted Assets Ratio Tier I capital (%) (Basel-II)
9.79
7.77
Capital to Risk-weighted Assets Ratio Tier II capital (%)(Basel-II)
4.07
4.21
Percentage of Shareholding of the

Government of India
61.58
59.40
(ii)
3.76
11.98
Omo{I_ ^m[aV AmpV`m| H$s VwbZm _| nyOr-AZwnmVloUr - I nyOr (%) (~ogb - II)
9.79
7.77
(vii)
(vi) Omo{I_ ^m[aV AmpV`m| H$s VwbZm _| nyOr-AZwnmVloUr - II nyOr (%) (~ogb - II)
4.07
4.21
(viii) Number of Shares held by

Government of India
(vii) ^maV gaH$ma H$s eoàYm[aVm H$m {VeV
61.58
59.40
(ix)
(viii) ^maV gaH$ma mam Ym[aV eoàm| H$s g`m

(ix) JmU F$Um| H$s am{e loUr - II nyOr
(x)
df Ho$ XmamZ loUr -II nyOr Ho$ $n _| JmU F$U

Omar H$aHo$ OwQ>mB JB am{e
As at
As at
31 Mar 2012 31 Mar 2011
Capital to Risk-weighted Assets Ratio

(%) (Basel-I)
(vi)
(v)
Capital Adequacy Ratio:

Items
41,32,52,443 37,72,07,200
(x)
Amount of Subordinated Debt

Tier-II capital
41,32,52,443 37,72,07,200
`34,671.40
`34,671.40
Amount raised by issue of

Subordinated Debt Tier-II capital
during the year
NIL
`7,497.00*
`20,016.40
`34,671.40
`34,671.40
{ZaH$
`7,497.00*
(xi)
Out of which ((ix), above) amount

eligible for Upper Tier II capital
`20,016.40
Amount raised by issue of IPDI

(inclusive of Hybrid Bonds as
detailed below)#
`5,344.76** `4,952.42**
(xi) BZ_| (CnamoV, ix) Ho$ C loUr -II nyOr Ho$ {bE
Cn`wV$ am{e
`20,016.40
`20,016.40
(xii)
(xii) AmBnrS>rAmB Ho$ {ZJ_ mam OwQ>mB JB am{e

(ZrMo XemE JE {_{lV> ~mS>m| g_oV)#
`5,344.76** `4,952.42**
* a.
H$) nyddVu Q>oQ> ~H$ Am\$ BXma Ho$ mam ~mS>m| Ho$ _m`_ go OwQ>mB JB `1000 H$amoS> H$s am{e
em{_b h& nyddVu Q>oQ> ~H$ Am\$ BXma H$m 26 AJV 2010 H$mo ^maVr` Q>oQ> ~H$ _| {db` hmo
J`m Wm&
I) `6,497 H$amoS> H$s am{e, Omo AQy>~a 2010 Ed \$adar 2011 _| Omar gmdO{ZH$ {ZJ_ Ho$
_m`_ go gJh H$s JB Wr, em{_b h&
** nyddVu Q>oQ> ~H$ Am\$ BXma, {OgH$m 26 AJV 2010 H$mo ^maVr` Q>oQ> ~H$ _| {db` hmo J`m Wm,
Ho$ mam Omar ~mS>m| H$s am{e `165 H$amoS> em{_b h&
*** {dmr` df 2009-10 _| OwQ>mB JB `2,000 H$amoS> H$s am{e, {Og_| go 550 H$amoS> H$s am{e
Eg~rAmB H$_Mmar n|eZ {Z{Y mam {Zdoe H$s JB h, ^maVr` [aOd ~H$ Ho$ {ZXoemZwgma
loUr - 1 nyOr Ho$ {bE em{_b Zht H$s JB h.
2. eoà nyOr
H$) df Ho$ XmamZ ~H$ Zo ^maV gaH$ma H$mo A{Y_mZr Am~Q>Z Ho$ AVJV `10/{V eoà Xa dmbo 3,60,45,243 eoà, `2,181.69 {V eoà Ho$
r{_`_ na Am~{Q>V {H$E {OZH$m Hw$b _y` `7,900.00 H$amoS> Wm&
^maV gaH$ma go mV Hw$b ` 7,900.00 H$amoS> H$s aH$_ _| go
`36.05 H$amoS> H$s aH$_ eoà nyOr ImVo _| Ama ~mH$s ~Mr `7,863.95
H$amoS> H$s aH$_ eoà r{_`_ ImVo _| AV[aV H$s JB&
I) amBQ>g B`y - 2008 Ho$ AVJV amoH$ aIo Jò eoàm| _| go ~H$ Zo `10 {V
ZH$Xr _y` Ho$ 604 B{dQ>r eoàm| H$mo `1,580/- {V B{dQ>r eoà
r{_`_ H$s Xa go Hw$b `9,60,360/- Ho$ eoà Am~{Q>V {H$E h&
`9,60,360/- Ho$ Hw$b mV AeXmZ _| go `6,040/- H$s am{e eoà
nyOr ImVo _| Ama `9,54,320/- H$s am{e eoà r{_`_ ImVo _| AV[aV
H$s JB Wr &
J) ~H$ Zo amBQ>g B`y Ho$ AVJV `10 {V eoà H$s Xa go Omar {H$E JE
83,511 ({nN>bo df 84,115) B{dQ>r eoàm| Ho$ Am~Q>Z H$mo amoHo$ aIm
`m|{H$ `m Vmo do {ddmXJV Wo AWdm `m{`H$ {H$`m Ho$ AYrZ Wo.
K) eoà Omar H$aZo _| IM hB `8.79 H$amoS> H$s am{e eoà r{_`_ ImVo H$mo
Zm_o H$s JB&
*
C171 K171
Includes `1,000 crores of bonds raised by erstwhile State Bank of

Indore (SBIN) merged with SBI on 26th August 2010.
b. Includes `6,497 crores raised vide Public Issue of Bonds in October
2010 and February 2011
** Includes `165 crores of Bonds raised by erstwhile State Bank of Indore
(e SBIN) merged with SBI on 26th August 2010.
# Includes `2,000 crores raised during the F.Y. 2009-10, of which `550
crores invested by SBI Employee Pension Fund, not reckoned for the
purpose of Tier I Capital as per RBI instructions.
2.
Share capital:
a) During the year, the Bank has allotted 3,60,45,243
shares of `10/- each for cash at a premium of
`2,181.69 per equity share aggregating to `7,900.00
crores under Preferential Allotment to GOI. Out of the
total subscription of `7,900.00 crores received from GOI,
an amount of `36.05 crores was transferred to Share
Capital Account and `7,863.95 crores to Share Premium
Account.
b) The Bank has allotted 604 equity shares of `10/- each
for cash at a premium of `1,580/- per equity share
aggregating to `9,60,360/- out of shares kept in abeyance
under Right Issue - 2008. Out of the total subscription
of `9,60,360/- received, `6,040/- was transferred to
Share Capital Account and `9,54,320/- to Share Premium
Account.
c) The Bank has kept in abeyance the allotment of 83,511
(Previous Year 84,115) Equity Shares of `10/- each
issued as a part of Rights issue, since they are subject
to title disputes or are subjudice.
d) Expenses in relation to the issue of shares : `8.79 crores
debited to Share Premium Account.

3.
172
31.03.12 31.03.11
VH$ g_Vw` VH$ g_Vw`
E_Q>rEZ H$m`H$_ ~o_r`mXr A_o[aH$s `2,035.07 `1,783.80
12dt mIbm* Ho$ AVJV
ZmZ H$mb S>mba 400
Omar ~mS>
10.25 df {_{b`Z
E_Q>rEZ H$m`H$_ 26.06.2007
~o_r`mXr A_o[aH$s `1,144.69 `1,003.62
14dt mIbm Ho$ AVJV
ZmZ H$mb S>mba 225
Omar ~mS>#
10 df 1 {XZ {_{b`Z
`moJ
A_o[aH$s ` 3,179.76 `2,787.42
S>mba 625
{_{b`Z
* `{X ~H$ 15 _B 2017 VH$ H$mb AmeZ H$m `moJ Zht H$aVm h, Vmo `mO Xa ~T>mB OmEJr
Ama pWa Xa H$mo ApWa Xa _| n[ad{VV {H$`m OmEJm.
# `{X ~H$ 27 OyZ 2017 VH$ H$mb AmeZ H$m `moJ Zht H$aVm h, Vmo `mO Xa ~T>mB OmEJr
Ama pWa Xa H$mo ApWa Xa _| n[ad{VV {H$`m OmEJm.
ò ~mS> A{V^yV h Ama qgJmnwa Q>mH$ EgM|O _| gyMr~ {H$E JE h.
{ZJ_ H$s
{V{W
15.02.2007
Ad{Y
H$_
g.
~mS>m| H$m d$n
Eg ~r AmB An[adVZr` ~o_r`mXr ~mS> 2009 - 10

({Q>à - I) mIbm - I
({Q>à - I) mIbm - II
Eg ~r AmB EZ mIbm - VI ({Q>à - I)
Hw$b
4.
(ìn Crores)
(` H$amoS> _|)
_yb am{e {ZJ_ {V{W `mO H$s

dm{fH$
Xa %
1,000 14.08.2009 9.10
1,000 27.01.2010
9.05
Particulars
_yb am{e
Date
of Issue
Bonds issued under

the MTN Programme12th Series*
Bonds issued under
the MTN Programme14th Series#
15.02.2007
26.06.2007
Tenor
Amount Equivalent as Equivalent as

on 31-03-12 on 31-03-11
Perpetual USD 400

Non Call
million
10.25 years
Perpetual USD 225
Non Call
million
10 years
1 day
Sl.
No.
Nature of Bonds
SBI Non Convertible Perpetual Bonds

2009-10 (Tier I) Series I
2
3
Principal
Amount
3,283.00 05.12.2005
05.05.2015
7.45
113
Eg ~r AmB An[adVZr`({ZOr bog_|Q>)

~mS> - 2006 (C {Q>à - II)
2,327.90 05.06.2006
05.06.2021
8.80
180

~mS> - 2006 I (C {Q>à - II)
500.00 06.07.2006
06.07.2021
9.00
180

~mS> - 2006 III (C {Q>à - II)
600.00 12.09.2006
12.09.2021
8.96
180

~mS> - 2006 IV (C {Q>à - II)
615.00 13.09.2006
13.09.2021
8.97
180

~mS> - 2006 V (C {Q>à - II)
1,500.00 15.09.2006
15.09.2021
8.98
180

~mS> - 2006 VI (C {Q>à - II)
400.00 04.10.2006
04.10.2021
8.85
180

~mS> - 2006 VII (C {Q>à II)
1,000.00 16.10.2006
16.10.2021
8.88
180
C172 K172
`1,003.62
Rate of
Interest
% P.a.
1,000
14.08.2009
9.10

2009-10 (Tier I) Series II
1,000
27.01.2010
9.05

2007-08 SBIN Series VI (Tier I)
165
28.09.2007
10.25
4.

~mS> - 2005 ({ZZ {Q>à - II)
`1,144.69
Date of
Issue
Total
2,165
`1,783.80
`3,179.76
`2,787.42
USD 625
million
*
If the Bank does not exercise call option by 15th May 2017, the interest rate
will be raised and fixed rate will be converted to floating rate.
#
If the Bank does not exercise call option by 27th June 2017, the interest rate
will be raised and fixed rate will be converted to floating rate.
These bonds are unsecured bonds and listed in Singapore stock exchange.
B.
Domestic
The details of outstanding domestic IPDIs are as under:(` in Crores)
165 28.09.2007 10.25
{ZJ_ H$s `mO H$s n[anVVm

{V{W/_moMZ dm{fH$
Ad{Y
H$s {V{W Xa % _mg _|
`2,035.07
Total
JmU G$U
~mS> A{V^yV, b~r Ad{Y, An[adVZrÈd g__y` na _moMZr` hmoVo h.
~H$m`m JmU G$Um| H$m `moam {ZZmZwgma h :
H$_ ~mS>m| H$m d$n

g.
Innovative Perpetual Debt Instruments (IPDI)

A. Foreign
The details of IPDI issued in foreign currency, which qualify
for Hybrid Tier I Capital and outstanding are as under:
am{e
I. Xoer :
~H$m`m Xoer AmBnrS>rAmB H$m `moam {ZZdV h:-
3.
Zdmo_ofr ~o_r`mXr G$U {bIV (AmBnrS>rAmB)

H$. {dXoer
{dXoer _wm _| Omar VWm g{_l loUr - I nyO
r Ho$ AVJV AmZo dmbo AmBnrS>rAmB
(` H$amoS> _|)
Ed ~H$m`m H$m {ddaU {ZZdV h :
{ddaU
2,165
Subordinated Debts
The bonds are unsecured, long term, non-convertible and are
redeemable at par.
The details of outstanding subordinate debts are as under:-
Sr. Nature of Bonds

No.
Principal
Amount
Date of Rate of Maturity

Issue / Interest Period in
Date of % P.A. Months
Redemption
SBI NON CONVERTIBLE

(Private placement) Bonds 2005
(Lower Tier II)
3,283.00
05.12.2005
05.05.2015
7.45
113
SBI NON CONVERTIBLE

(Private placement) Bonds 2006
(Upper Tier II)
2,327.90
05.06.2006
05.06.2021
8.80
180
SBI NON CONVERTIBLE

(Private placement) Bonds 2006 I
(Upper Tier II)
500.00
06.07.2006
06.07.2021
9.00
180
SBI NON CONVERTIBLE

(Private placement) Bonds 2006 III
(Upper Tier II)
600.00
12.09.2006
12.09.2021
8.96
180
SBI NON CONVERTIBLE

(Private placement) Bonds 2006 IV
(Upper Tier II)
615.00
13.09.2006
13.09.2021
8.97
180
SBI NON CONVERTIBLE

(Private placement) Bonds 2006 V
(Upper Tier II)
1,500.00
15.09.2006
15.09.2021
8.98
180
SBI NON CONVERTIBLE

(Private placement) Bonds 2006 VI
(Upper Tier II)
400.00
04.10.2006
04.10.2021
8.85
180
SBI NON CONVERTIBLE

(Private placement) Bonds 2006 VII
(Upper Tier II)
1,000.00
16.10.2006
16.10.2021
8.88
180
H$_ ~mS>m| H$m d$n

g.
173
_yb am{e

{V{W/_moMZ dm{fH$
Ad{Y

~mS> - 2006 VIII (C {Q>à II)
1,000.00 17.02.2007
17.02.2022
9.37
180
10 Eg ~r AmB An[adVZr`({ZOr bog_|Q>)

~mS> - 2006 IX ({ZZ {Q>à - II)
1,500.00 28.03.2007
27.06.2016
9.85
111

~mS> - 2007-08 (I) (C {Q>à II)
2,523.50 07.06.2007 10.20

07.06.2022
180

~mS> - 2007-08 (I) (C {Q>à II)
3,500.00 12.09.2007 10.10

12.09.2022
180

~mS> - 2008-09 (I) (C {Q>à II)
2,500.00 19.12.2008
19.12.2023

~mS> - 2008-09 (II) ({ZZ {Q>à II)
Sr. Nature of Bonds

No.
Principal
Amount

Redemption
SBI NON CONVERTIBLE

(Private placement) Bonds 2006 VIII
(Upper Tier II)
1,000.00
17.02.2007
17.02.2022
9.37
180
10
SBI NON CONVERTIBLE

(Private placement) Bonds 2006 IX
(Lower Tier II)
1,500.00
28.03.2007
27.06.2016
9.85
111
11
SBI NON CONVERTIBLE

(Private placement) Bonds 2007-08 (I)
(Upper Tier II)
2,523.50
7.06.2007
7.06.2022
10.20
180
12
SBI NON CONVERTIBLE

(Upper Tier II)
3,500.00
12.09.2007
12.09.2022
10.10
180
13
SBI NON CONVERTIBLE

(Upper Tier II)
2,500.00
19.12.2008
19.12.2023
8.90
180
8.90
180
1,500.00 29.12.2008
29.06.2018
8.40
114

~mS> - 2008-09 (III) (C {Q>à II)
2,000.00 02.03.2009
02.03.2024
9.15
180
14
SBI NON CONVERTIBLE

(Private placement) Bonds 2008-09(II)
(Lower Tier II)
1,500.00
29.12.2008
29.06.2018
8.40
114

~mS> - 2008-09 (IV) ({ZZ {Q>à II)
1,000.00 06.03.2009
06.06.2018
8.95
111
15
SBI NON CONVERTIBLE

(Private placement) Bonds 2008-09 (III)
(Upper Tier II)
2,000.00
02.03.2009
02.03.2024
9.15
180

~mS> - 2008-09 (v) (C {Q>à II)
1,000.00 06.03.2009
06.03.2024
9.15
180
16
1,000.00
06.03.2009
06.06.2018
8.95
111

~mS> - 2005-06 Eg ~r Eg (mIbm - I)
({ZZ {Q>à II)
200.00 09.03.2006
09.06.2015
8.15
SBI NON CONVERTIBLE

(Private placement) Bonds 2008-09 (IV)
(Lower Tier II)
17
SBI NON CONVERTIBLE

(Private placement) Bonds 2008-09 (V)
(Upper Tier II)
1,000.00
06.03.2009
06.03.2024
9.15
180

~mS> - 2006 -07 Eg ~r Eg
(mIbm - II) ({ZZ {Q>à II)
225.00 30.03.2007
30.06.2016
9.80
18
SBI NON CONVERTIBLE

(Private placement) Bonds 2005-06
SBS (Series I)(Lower Tier II)
09.03.2006
09.06.2015
8.15
111
200.00

~mS> - 2004 -05 Eg ~r AmB EZ
(mIbm - I) ({ZZ {Q>à II)
200.00 15.02.2005
15.05.2014
7.20
SBI NON CONVERTIBLE

(Private placement) Bonds 2006-07
SBS (Series II)(Lower Tier II)
30.03.2007
30.06.2016
9.80
111
225.00

~mS> - 2005 -06 Eg ~r AmB EZ
(mIbm - II) ({ZZ {Q>à II)
140.00 29.09.2005
29.09.2015
7.45
15.02.2005
7.20
111
7.45
120

~mS> - 2005 -06 Eg ~r AmB EZ
(mIbm - III) ({ZZ {Q>à II)
110.00 28.03.2006
28.03.2016
8.70
8.70
120

~mS> - 2006 -07 Eg ~r AmB EZ
(mIbm - IV) (C {Q>à II)
100.00 29.12.2006
29.12.2021
8.95
8.95
120

~mS> - 2006 -07 Eg ~r AmB EZ
(mIbm - V) (C {Q>à II)
200.00 22.03.2007 10.25

22.03.2022
10.25
120

~mS> - 2004 -05 Eg ~r AmB EZ
(mIbm - VII) (C {Q>à II)
250.00 24.03.2009
24.03.2024
9.17
9.17
180
26 Eg~rAmB gmdO{ZH$ {ZJ_ {ZZ {Q>à II

An[adVZr` ~mS> 2010 (mIbm-I)
133.08 04.11.2010
04.11.2020
9.25
Eg~rAmB gmdO{ZH$ {ZJ_ {ZZ {Q>à II

An[adVZr`~mS> 2010 (mIbm - II)
866.92 04.11.2010
04.11.2025
9.50

An[adVZr`~mS> 2011 IwXam (mIbm - III)
559.40 16.03.2011
16.03.2021
9.75
111
111
111
120
19
20
21
27
120
22
120
23
120
24
180
25
SBI NON CONVERTIBLE

(Private placement) Bonds 2005-06 SBIN
(Series II) (Lower Tier II)
SBI NON CONVERTIBLE
(Series III) (Lower Tier II)
SBI NON CONVERTIBLE
(Series IV) (Upper Tier II)
SBI NON CONVERTIBLE
(Series V) (Upper Tier II)
200.00
15.05.2014
29.09.2005
140.00
29.09.2015
28.03.2006
110.00
28.03.2016
29.12.2006
100.00
29.12.2021
22.03.2007
200.00
22.03.2022
SBI NON CONVERTIBLE

(SERIES VII)(Upper Tier II)
24.03.2009
250.00
24.03.2024
SBI Public Issue of Lower Tier II

Non-Convertible Bonds 2010 (Series I)
04.11.2010
04.11.2020
9.25
120
133.08

Non- Convertible Bonds 2010 (Series II)
04.11.2010
04.11.2025
9.50
180
866.92
16.03.2011
16.03.2021
9.75
120
559.40
120
26
C173 K173
SBI NON CONVERTIBLE

(Series I) (Lower Tier II)
180
120
27
28

Non- Convertible Bonds 2011 Retail
(Series 3)
174
H$_ ~mS>mo H$m d$n

g.
_yb am{e

{V{W/_moMZ dm{fH$
Ad{Y

An[adVZr` ~mS> 2011 IwXam
(mIbm - III)
An[adVZr` ~mS> 2011 IwXam
(mIbm-4)
31 Eg~rAmB gmdO{ZH$ {ZJ_ {ZZ {Q>à II >
An[adVZr`~mS 2011 IwXam (mIbm-4)
Hw$b
171.68 16.03.2011
16.03.2021
9.30
3,937.60 16.03.2011
16.03.2021
9.95
180
828.32 16.03.2011
16.03.2026
34,671.40
9.45
180
120
Sr. Nature of Bonds

No.
29
30
31
{ddaU
I. {d{ZYmZm| H$m _y`

i) {d{ZYmZm| H$m gH$b _y`
(H$) ^maV _|
(I) ^maV go ~mha
ii) _y`mg Ho$ {bE mdYmZ
(H$) ^maV _|
(I) ^maV go ~mha
iii) {d{ZYmZm| H$m {Zdb _y`
(H$) ^maV _|
(I) ^maV go ~mha
2. {d{ZYmZm| Ho$ _y`mg Ho$ {bE aIo JE mdYmZm| _| CVma-MT>md
i) AWeof
ii) OmoS >:| nydd Vu Q>Qo > ~H$ H$m_{e`b ES> BQ>aZoeZb ({nN>bo
df Q>Qo > ~H$ Am\$ BXma) Ho$ A{YJhU Ho$ H$maU d{ hB
iii) OmoS>| : df Ho$ XmamZ {H$E JE mdYmZ
iv) OmoS>o : df Ho$ XmamZ {dXoer _wm nwZ_y`mH$Z
g_m`moOZ/A{V[a$ mdYmZ/Cn`mo{JVm
v) KQ>mE : df Ho$ XmamZ A{V[a$ mdYmZ H$m AnboIZ
vi) B{V eof
31 _mM 2012
H$s pW{V
Ho$ AZwgma
31 _mM 2011
H$s pW{V
Ho$ AZwgma
3,02,856.15
11,436.68
2,86,732.72
10,221.32
1,835.18
260.04
1,145.72
207.75
3,01,020.97
11,176.64
2,85,587.00
10,013.57
1,353.47
700.72
5.58
793.82
3.77
670.76
52.89
110.54
2,095.22
2.23
24.01
1,353.47
{Q>n{U`m :
H$. {d{ZYmZm| _| ^maVr` [aOd ~H$ Ho$ gmW VabVm g_m`moOZ gw{dYm Ho$ AVJV Cn`moJ _o br JB
`40,000 H$amoS> H$s {V^y{V`m gp_{bV Zht h ({nN>bo df `27,000 H$amoS>)
o Z Am\$ B{S>`m {b./EZ Eg gr gr Eb/ E_
I. `5,520.21 H$amoS > H$m {d{ZYmZ pb`[aJ H$manmoae
gr Eg/`y Eg B AmB Eb Ho$ nmg {V^y{V g_mYmZ hoVw aIm J`m h. {nN>bo df `11,117 H$amoS >
H$m {d{ZYmZ ^maVr` [aOd ~H$/pb`[aJ H$manmoae
o Z Am\$ B{S>`m {b. Ho$ nmg [a`b Q>mB_ Jmgo
goQ>b_|Q>/{V^y{V g_mYmZ (AmaQ>rOrEg/EZS>rEg) Ho$ AVJV _m{OZ d$n aIm J`m Wm.
J. ^maVr` [aOd ~H$ Ho$ {XZmH$ 11.08.2011 Ho$ n[an H$_mH$ S>r~rAmoS>r g. ~rnr.~rgr. 28/
21.04.157/2011-12 Ho$ AZwgaU _| ~H$ bm^ Ed hm{Z ImVo go S>oardo{Q>d g{dXmAm| Ho$
g~Y _| `93.94 H$amoS> Ed `39.00 H$amoS> H$s am{e H$mo H$_e: CMV ImVm - Hw$b
m`({H$Q>mbmBS> [a{gdo~g) Ed CMV ImVm - bm^ E_ Q>r E_ _| {Vd{VV ([adg) H$a
{X`m h&
K. df Ho$ XmamZ ~H$ Zo Q>oQ> ~H$ Am\$ ~rH$mZoa Ed O`nwa Ho$ amBQg B`y Ho$ {bE `585.00 H$amoS>
H$s A{V[a$ nyOr bJmB h &
L. df Ho$ XmamZ ~H$ Zo {ZZ jor` Jm_rU ~H$m| _| A{V[a$ nyOr H$m {Zdoe {H$`m&
(` H$amoS> _|) |
jor` Jm_rU ~H$
am{e
AUmMb Xoe $ab ~H$
4.33
N>mrgJT> Jm_rU ~H$
13.30
BbmH$mB XohmVr ~H$
23.80
bmnr XohmJr $ab ~H$
2.10
ZmJmbS> $ab ~H$
1.78
g_Vrnwa jor` Jm_rU ~H$
7.88
CH$b Jm` ~H$
47.60
CmamMb Jm_rU ~H$
5.25
dZmMb Jm_rU ~H$
19.60
Hw$b
125.64
M. df Ho$ XmamZ ~H$ Zo Eg~rAmB bmo~b \$Q>g {b. Ho$ 10,20,670 eoàm| (0.64%) (~hr
_y` `5.82 H$amoS>) H$mo `3.27 H$amoS> _| ~oM {X`m.
C174 K174

Redemption

(Series 3)
16.03.2011
16.03.2021
9.3
120
171.68

(Series 4)
16.03.2011
16.03.2021
9.95
180
3,937.60
16.03.2011
16.03.2026
9.45
180
828.32

(Series 4)
TOTAL
18.2 {d{ZYmZ :
1. ~H$ Ho$ {d{ZYmZm| VWm {d{ZYmZm| na hE _y`mg Ho$ {bE aIo JE mdYmZm| Ho$
CVma-MT>md H$m `moam {ZZmZwgma h:
(` H$amoS> _|)|
Principal
Amount
34,671.40
18.2 Investments
1.
The Details of investments and the movement of provisions held
towards depreciation on investments of the Bank are given below:
(ìn Crores)
Particulars
As at
As at
31-Mar-2012 31-Mar-2011
1. Value of Investments
i) Gross value of Investments
(a) In India
3,02,856.15 2,86,732.72
(b) Outside India
11,436.68
10,221.32
ii) Provisions for Depreciation
(a) In India
1,835.18
1,145.72
(b) Outside India
260.04
207.75
iii) Net value of Investments
(a) In India
3,01,020.97 2,85,587.00
(b) Outside India
11,176.64
10,013.57
2. Movement of provisions held towards
depreciation on investments
i) Opening Balance
1,353.47
700.72
ii) Add: Addition on account of
acquisition of e-SBICI(P.Y. e-SBIn)
5.58
3.77
iii) Add: Provisions made during the year
793.82
670.76
iv) Add: Foreign Exchange revaluation
adjustment/excess provision/utilisation
during the year
52.89
2.23
v) Less: Write back of excess provision
during the year.
110.54
24.01
vi) Closing balance
2,095.22
1,353.47
Notes:
a. Investments exclude securities utilised under Liquidity Adjustment Facility
(LAF) with RBI `40,000 crores. (Previous Year `27,000 crores)
b. Investments amounting to `5,520.21 Crores are kept as margin with
Clearing Corporation of India Limited/NSCCL/ MCX/ USEIL towards
Securities Settlement. In the previous year investments amounting to
`11,117 Crores were kept as margin with RBI/Clearing Corporation of
India Limited towards Real Time Gross Settlement / Securities
Settlement (RTGS/NDS).
c. In terms of RBI Circular DBOD.No.BP.BC.28/21.04.157/2011-12 dated
August 11,2011 the Bank had reversed `93.94 crores and `39.00 crores
from the Profit & Loss A/c to "Suspense A/c - Crystallised Receivables"
and " suspense A/c - Profit MTM" respectively on account of derivative
contracts.
d. During the year, the Bank has infused additional capital of `585.00
Crores in State Bank of Bikaner & Jaipur towards Right Issue.
e. During the year the Bank has infused additional capital in the following
RRBs:(Ìn crores)
Regional Rural Banks
Amount
Arunachal Pradesh Rural Bank
4.33
Chhattisgarh Gramin Bank
13.30
Ellaquai Dehati Bank
23.80
Langpi Dehangi Rural Bank
2.10
Nagaland Rural Bank
1.78
Samastipur Kshetriya Gramin Bank
7.88
Utkal Gramya Bank
47.60
Uttaranchal Gramin Bank
5.25
Vananchal Gramin Bank
19.60
Total
125.64
f.
During the year, the Bank sold 10,20,670 shares (0.64%) in SBI Global
Factors Limited for `3.27 crores. (Book Value `5.82 crores)
175
2. aonmo boZXoZ (Mb{Z{Y g_m`moOZ gw{dYm g_oV (Eb E \$)) / Repo Transactions (including Liquidity Adjustment Facility (LAF)
df Ho$ XmamZ aonmo Ama `md{VV aonmo (Eb E E\$ g_oV) Ho$ AYrZ {dH$` Ed H$` H$s JB {V^y{V`m| H$m `moam {ZZmZwgma h:
` H$amoS> _| / ` In crores
The details of securities sold and purchased under repos and reverse repos including LAF during the year are given below:
{ddaU /Particulars
df Ho$ XmamZ `yZV_

~H$m`m am{e
df Ho$ XmamZ A{YH$V_

~H$m`m am{e
df Ho$ XmamZ X{ZH$ AmgV

~H$m`m am{e
31 _mM 2012 H$mo

eof am{e
Minimum outstanding
during the year
Maximum outstanding
during the year
Daily Average outstanding

during the year
Balance as on
31 March 2012
i) gaH$mar {V^y{V`m
i) Government securities
()
47,354.00
(43,500.00)
19,542.23
(7,015.62)
42,000.00
(27,000.00)
ii) H$nZr F$U {V^y{V`m

ii) Corporate debt securities
()
198.41
()
127.59
()
157.67
()
i) gaH$mar {V^y{V`m
i) Government securities
()
8,500.00
(12,000.00)
350.14
(126.03)
3,150.00
(0.00)
ii) H$nZr F$U {V^y{V`m

ii) Corporate debt securities
()
()
()
()
aonmo Ho$ AYrZ {~H$s H$s JB {V^y{V`m

Securities sold under repos
{Vd{VV aonmo Ho$ AYrZ H$` H$s JB {V^y{V`m

Securities purchased under reverse repos
(H$mo>H$m| _| {XE JE AmH$S>o {nN>bo df Ho$ h) / (Figures in brackets are for Previous Year)
3.
Ja-gm{d{YH$ Mb{Z{Y AZwnmV (ZmZ EgEbAma) {d{ZYmZ g{d^mJ

Non-SLR Investment Portfolio
H$) Ja-gm{d{YH$ Mb{Z{Y AZwnmV (ZmZ EgEbAma) {d{ZYmZm| H$s {ZJ_H$Vm-gaMZm :

(a) Issuer composition of Non SLR Investments :
~H$ Ho$ Ja-gm{d{YH$ Mb{Z{Y AZwnmV (ZmZ EgEbAma) {d{ZYmZm| H$s {ZJ_H$Vm-gaMZm {ZZmZwgma h :
` H$amoS> _| / ` In crores
The issuer composition of Non-SLR investments of the Bank is given below:
g.
{ZJ_H$Vm
No.
Issuer
(i)
gmdO{ZH$ jo Ho$ CnH$_ /

PSUs
am{e
{ZOr mBdoQ> bog_|Q>

H$s _mm
"{d{ZYmZ loUr go H$_' JoS>

{V^y{V`m| H$s _mm*
"{~Zm aoqQ>J dmbr'

{V^y{V`m| H$s _mm*
"AgyMrJV'
{V^y{V`m| H$s _mm*
Amount
Extent of Private
Placement
Extent of `Below Investment Grade' Securities *
Extent of Ùnrated'
Securities *
Extent of Ùnlisted'
Securities *
9,176.71
(13,513.06)
1,200.25
(979.87)
(50.00)
()
17.40
(50.25)
(ii)
{dmr` gWmE / FIs
5,103.90
(4,610.16)
4,325.74
(3,540.41)
50.37
()
50.83
(0.40)
50.83
(0.41)
(iii)
~H$ / Banks
10,128.32
(8,952.92)
5,332.96
(4,833.61)
40.51
(66.80)
49.21
(44.37)
315.40
(126.41)
(iv)
Ja gaH$mar H$manmoaQo >
5,016.41
(8,160.26)
1,892.12
(2,744.83)
1,087.51
(22.30)
369.68
(400.81)
184.45
(596.06)
7,066.64
(6,461.08)
()
()
()
1,527.04
(1,527.29)
21,083.51
(23,543.13)
()
92.29
(139.47)
1,348.87
(19,099.25)
16,257.86
(18,276.04)
1,217.64
189.04
210.76
190.91
Private Corporates
(v)
AZwf{J`m/ g`w$ C_**

Subsidiaries / Joint ventures **
(vi)
A` / Others
(vii)
_y`mg Ho$ {bE aIm J`m mdYmZ

Provision held towards
depreciation
`moJ / Total
{nN>bm df / Previous Year
*
**
*
**
(805.20)
()
(28.40)
(109.80)
(67.02)
56,357.85
12,751.07
1,081.64
1,607.83
18,162.07
(64,435.41)
(12,098.72)
(250.17)
(19,435.03)
(20,509.69)
(H$mo>H$m| _| {XE JE AmH$S>o {nN>bo df Ho$ h) (Figures in brackets are for Previous Year)
B{dQ>r, B{dQ>r C_wI `yMwAb \$S>, d|Ma H${nQ>b, {Z`V AmpV g_{WV {V^y{V`m, Ho$ gaH$ma H$s {V^y{V`m| Ama E Ama gr AmB Eb _| {H$E JE {d{ZYmZm| H$mo BZ lo{U`m| Ho$ AVJV Bg{bE AbJ-AbJ {d^V
Zht {H$`m J`m h `m|{H$ Bho aoqQ>J/{bpQ>J {Xem {ZX}em| go Ny>Q> {_br hB h &
AZwf{J`m|/g`wV C_m| _| {d{ZYmZm| H$mo {d{^ dJm] _| Bg{bE AbJAbJ {d^V Zht {H$`m J`m h `m|{H$ ^maVr` [aOd ~H$ Ho$ g~{YV {Xem-{ZX}em| Ho$ AVJV CV _X| Zht AmVr h .
A` {d{ZYmZm| _| AmaAmBS>rE\$ O_m `moOZm Ho$ VhV Zm~mS> _| O_m am{e `15,942.94 H$amoS > em{_b h & ({nN>bm df `18,230.00 H$amoS >)
Investment in Equity, Equity Oriented Mutual Funds, Venture Capital, Rated Assets Backed Securities, Central Government Securities and ARCIL are not segregated
under these categories as these are exempt from rating/listing guidelines.
Investments in Subsidiaries/Joint Ventures have not been segregated into various categories as these are not covered under relevant RBI Guidelines.
Other investments include deposits with NABARD under RIDF Deposit Scheme amounting to `15,942.94 Crores (Previous Year `18,230.00 Crores).
b)
I) AZOH$ Ja-gm{d{YH$ Mb{Z{Y AZwnmV (ZmZ-EgEbAma) {d{ZYmZ
Non Performing Non-SLR Investments
` In crores
` H$amoS> _|
{ddaU
AWeof
df Ho$ XmamZ d{
df Ho$ XmamZ H$_r
B{V eof
aIo JE Hw$b mdYmZ
Mmby df
328.40
588.12
56.02
860.50
768.92
{nN>bm df
332.80
8.24
12.64
328.40
304.10
C175 K175
Particulars
Current Year
Previous Year
Opening Balance
328.40
332.80
588.12
8.24
56.02
12.64
Reductions during the year

Closing balance
860.50
328.40
Total provisions held
768.92
304.10

18.3 So>ardo{Q>g :
H$) dm`Xm Xa H$ama/`mO Xa {d{Z_`
{ddaU
i)
i)
176
` H$amoS> _|
31_mM 2012
H$s pW{V
Ho$ AZwgma
1,34,671.34#
31_mM 2011
H$s pW{V
Ho$ AZwgma
1,05,850.77
{d{Z_` H$amam| H$s AmZw_m{ZH$ _yb am{e

{Vnjm| mam H$ama Ho$ AYrZ AnZo Xm{`dm|
H$mo nyam H$aZo _| Ag\$b ahZo na hmoZo dmbr hm{Z`m
3,461.81
1,330.75
iii) {d{Z_` _| em{_b hmoZo na ~H$ mam Ano{jV gnpdH$
{ZaH$
{ZaH$
iv) {d{Z_` go CV F$U-OmopI_ H$m Ho$rH$aU
ZJ`
ZJ`
v) {d{Z_` - ~hr H$m C{MV _y`
2,020.59
671.95
~H$ Ho$ AnZo H$m`mb`m| _| AmBAmaEg/E\$AmaE Ho$ Hw$b `7600.95 H$amoS> {d{>`m H$s JB h Ama
`hm Xem`m Zht J`m h `m| {H$ do E\$grEZ~r {Z{Y`m| H$s gwajm Ho$ {bE h Ama Bg{bE Ch| ~mOma
Ho$ {bE {Mh{ZV Zht {H$`m J`m h&
` H$amoS> _|
I) ~mOma (EgM|O) _| H$`-{dH$` {H$E JE `mO-Xa So>ardo{Q>g
H$_ g. {ddaU
Mmby df {nN>bm df
1
~mOma (EgM|O) _| H$`-{dH$` {H$E JE `mO
-Xa So>ardo{Q>g H$s df Ho$ XmamZ AmZw_m{ZH$ _yb am{e
H$) `mO Xa dm`Xo
74,582.00 1,26,409.89
I) 10 dfu` ^maV gaH$ma H$s {V^y{V
{ZaH$
2.00
2
31_mM 2012 H$mo ~mOma (EgM|O) _| H$`-{dH$` {H$E
JE `mO-Xa So>ardo{Q>g H$s ~H$m`m AmZw_m{ZH$ _yb am{e
H$) `mO Xa dm`Xo
{ZaH$
{ZaH$
I) 10 dfu` ^maV gaH$ma H$s {V^y{V
{ZaH$
{ZaH$
3
~mOma (EgM|O) _| H$`-{dH$` {H$E JE `mO-Xa
So>ardo{Q>g H$s AmZw_m{ZH$ _yb am{e Omo ~H$m`m h Ama
A`{YH$ ^mdr Zht h
bmJy Zht
bmJy Zht
4
~mOma (EgM|O) _| H$`-{dH$` {H$E JE `mO-Xa So>ardo{Q>g
H$m A{H$V ~mOma _y` Omo ~H$m`m h Ama A`{YH$ ^mdr Zht h. bmJy Zht
bmJy Zht
J) F$U MyH$ {d{Z_`
H$.g _X
1.
2.
3.
4.
5.
6.
dV_mZ df
{nN>bm df
gajU Ho$Vm gajU {dHo$Vm gajU Ho$Vm gajU {dHo$Vm
Ho$ $n _|
Ho$ $n _|
Ho$ $n _|
Ho$ $n _|
df Ho$ XmamZ hE boZXoZ H$s g`m

H$) CZ_| go Omo ^m{VH$ $n go
{ZnQ>mE JE/OmEJo
{ZaH$
1
{ZaH$
{ZaH$
I) ZH$X {ZnQ>mZ
{ZaH$
df Ho$ XmamZ H$`/{dH$` H$s JB am{e Ho$
gajU H$s _mm
H$) CZ_| go Omo ^m{VH$ $n go
{ZnQ>mE JE/ OmEJo
{ZaH$
{ZaH$
{ZaH$
{ZaH$
I) ZH$X {ZnQ>mZ
{ZaH$
df Ho$ XmamZ boZXoZ H$s g`m {OZ_|
Ho${S>Q> Bd|Q> ^wJVmZ m /Xm {H$E JE
H$) dV_mZ df go g~{YV
{ZaH$
1
{ZaH$
{ZaH$
I) {nN>bo df (dfm]) go g~{YV
{ZaH$
df H$s A`V {V{W VH$ grS>rEg boZXoZ
go g~{YV {Zdb Am`/bm^ (IM/hm{Z)
{ZaH$
H$) r{_`_
{ZaH$
H$) r{_`_
H$) r{_`_ AXm/m {H$`m J`m&
m : `25.14
m : `31.79
I) Ho${S>Q> Bd|Q> ^wJVmZ :
H$amoS>
H$amoS>
* AXm (AmpV`m| Ho$ dgybr _y`
I) `50.63
I) {ZaH$
H$mo KQ>mH$a)
H$amoS>
* m (ny{V`mo` {V~Vm Ho$ _y` `0.25 H$amoS>
H$mo KQ>mH$a)
31 _mM VH$ ~H$m`m boZXoZ
{ZaH$
13
{ZaH$
26
H$) boZXoZ H$s g`m
`546.90
`983.32
I) gajU H$s am{e
H$amoS>
H$amoS>
df Ho$ XmamZ boZXoZ H$s CV_ ~H$m`m
{ZaH$
24
{ZaH$
38
H$) boZXoZ H$s g`m
`1,045.48
`1,373.53
(1 Ab Ho$ AZwgma)
H$amoS>
H$amoS>
I) gajUH$s _mm
(1 Ab Ho$ AZwgma)
K) So>ardo{Q>g _| OmopI_ dmbo {Zdoe H$m H$Q>rH$aU
(H$) JwUm_H$ H$Q>rH$aU
i.
18.3 Derivatives
a) Forward Rate Agreements / Interest Rate Swaps
Particulars
C176 K176
` in Crores
As at
31-Mar-2011
i)
The notional principal of swap

agreements
1,34,671.34#
1,05,850.77
ii) Losses which would be incurred if
counterparties failed to fulfil their
obligations under the agreements
3,461.81
1,330.75
iii) Collateral required by the Bank upon
entering into swaps
Nil
Nil
iv) Concentration of credit risk arising
from the swaps
Not significant Not significant
v) The fair value of the swap book
2,020.59
671.95
# IRS/FRA amounting to ` 7600.95 crores entered with the Bank's own offices are not shown
here as they are for hedging of FCNB corpus and hence not marked to market.
b) Exchange Traded Interest Rate Derivatives
Sr. No. Particulars
Current Year
Previous Year
1
Notional principal amount of
exchange traded interest rate
derivatives undertaken during
the year
A Interest Rate Futures
74,582.00
1,26,409.89
B 10 Year Government of India Security
NIL
2.00
2
Notional principal amount of exchange
traded interest rate derivatives
outstanding as on 31st March 2012
A Interest Rate Futures
Nil
Nil
B 10 Year Government of India Security
Nil
Nil
3
Notional principal amount of exchange
outstanding and not "highly effective"
N.A.
N.A.
4
Marked-to-market value of exchange
outstanding and not "highly effective".
N.A.
N.A
c) Credit default Swaps
Sr.No. Particulars
Current Year
Previous Year
As
As
As
As
Protection Protection Protection Protection
Buyer
Seller
Buyer
Seller
1
No. of transactions during the year
a) of which transactions that are/
Nil
1
Nil
Nil
may be physically settled
b) cash settled
Nil
2
Amount of protection bought /
sold during the year
a) of which transactions which are/
may be physically settled
b) cash settled
Nil
Nil
Nil
Nil
3
No. of transactions where credit
event payment was received /
made during the year
a) pertaining to current years
Nil
1
Nil
Nil
transactions
b) pertaining to previous year(s)
transactions
Nil
4
Net income/ profit
(expenditure/ loss) in respect of
Nil
a) Premium
Nil
a) Premium
CDS transactions during year-to-date:
Received
Received
a) premium paid / received
` 25.14
`31.79
b) Credit event payments:
crores
crores
made (net of the value of assets b) ` 50.63
b) Nil
realised)
crores
received (net of value of

deliverable obligation)
Outstanding transactions as on
March 31:
a) No. of Transactions
b) Amount of protection
Highest level of outstanding
transactions during the year:
a) No. of Transactions
(as on 1st April)
b) Amount of protection
(as on 1st April )
D)
~H$ dV_mZ _| Amoda X H$mCQ>a (AmoQ>rgr) `mO Xa Ama _wm So>ardo{Q>g VWm `mO Xa Ama _wm
dm`Xm| H$m boZXoZ H$aVm h. ~H$ mam {OZ `mO Xa So>ardo{Q>g H$m boZXoZ {H$`m J`m, CZ_| n`m
`mO Xa {d{Z_`, {dXoer _wm `mO Xa {d{Z_` Ama dm`Xm Xa H$ama em{_b h. ~H$ mam {OZ _wm
So>ardo{Q>g H$m boZXoZ {H$`m J`m, CZ_| _wm {d{Z_`, n`m S>mba AmeZ, EmM|O Q>So >oS> AmeZ
Ama nana-_wm AmeZ em{_b h. ~H$ Ho$ JmhH$m| H$mo CnmXm| Ho$ {dH$` - Vmd, CZHo$ {Zdoem|
H$s ~Mmd -`dWm H$aZo Ho$ {bE {XE OmVo h Ama ~H$ Eogo {Zdoem| hoVw ~Mmd-`dWm H$aZo Ho$
{bE So>ardo{Q>g g{dXmE {Znm{XV H$aVm h. ~H$ mam So>ardo{Q>g H$m `moJ H$`-{dH$` Ho$
gmW-gmW VwbZn H$s _Xm| Ho$ {bE ~Mmd-`dWm H$aZo hoVw ^r {H$`m OmVm h. ~H$ Bg H$ma
As at
31-Mar-2012
` 0.25 crores
Nil
13
`546.90
crores
Nil
Nil
26
` 983.32
crores
Nil
24
` 1,045.48
crores
38
Nil
`1,373.53
crores
Disclosures on Risk Exposure in Derivatives

(A) Qualitative Disclosure
i.
The Bank currently deals in over-the-counter (OTC) interest rate and
currency derivatives as also in Interest Rate and Currency Futures. Interest
Rate Derivatives dealt by the Bank are rupee interest rate swaps, foreign
currency interest rate swaps and forward rate agreements. Currency
derivatives dealt by the Bank are currency swaps, rupee dollar options,
exchange traded options and cross-currency options. The products are
offered to the Bank's customers to hedge their exposures and the Bank
enters into derivatives contracts to cover such exposures. Derivatives are
used by the Bank both for trading as well as hedging on balance sheet
177
items. The Bank also deals in a mix of these generic instruments. The
Bank has done Option deals and Structured Products with customers, but
they have been covered on a back to back basis in inter-bank market.
ii. Derivative transactions carry market risk i.e. the probable loss the Bank
may incur as a result of adverse movements in interest rates/exchange
rates/equity prices and credit risk i.e. the probable loss the Bank may incur
if the counterparties fail to meet their obligations. The Bank's "Policy for
Derivatives" approved by the Board prescribes the market risk parameters
(cut-loss triggers, open position limits, duration, modified duration, PV01
etc.) as well as customer eligibility criteria (credit rating, tenure of
relationship etc.) for entering into derivative transactions. Credit risk is
controlled by entering into derivative transactions only with counterparties
satisfying the criteria prescribed in the Policy. Appropriate limits are set
for the counterparties taking into account their ability to honour obligations
and the Bank enters into ISDA agreement with each counterparty.
iii. The Asset Liability Management Committee (ALCO) of the Bank
oversees efficient management of these risks. The Bank's Mid-Office
and Risk Control (MORC) Department at Treasury, now Market Risk
Management Department (MRMD) independently identifies, measures,
monitors market risk associated with derivative transactions, assists
ALCO in controlling and managing these risks and reports compliance
with policy prescriptions to the Risk Management Committee of the
Board (RMCB) at regular intervals.
iv. The accounting policy for derivatives has been drawn-up in accordance
with RBI guidelines, the details of which are presented under Schedule
17: Significant Accounting Policies (SAP) for the financial year 2011-12.
v. Interest Rate Swaps are mainly used at Foreign Offices for hedging of
the assets and liabilities.
vi. Apart from hedging swaps, swaps at Foreign Offices consist of back
to back swaps done at our Foreign Offices which are done mainly for
hedging of FCNR deposits at Global Markets, Kolkata.
vii. Majority of the swaps were done with First class counterparty banks.
(` H$amoS> _| / ` In crores)
Ho$ {d{^ gm_m` {bIVm| H$m ^r boZXoZ H$aVm h. ~H$ Zo JmhH$m| go {dH$n gmXo Ama gaMZmJV
CnmX - {dH$` H$m boZXoZ {H$`m h, {H$Vw CZHo$ {bE AVa-~H$ ~mOma _| nana _wm AmYm[aV
dm`Xm - H$ama {H$E JE h.
ii. So>ardo{Q>g boZXoZ _| ~mOma Omo{I_ em{_b hmoVo h, AWmV `mO Xam|/{d{Z_` Xam|/B{$Q>r Xam|
_| {VHy$b CVma-MT>md Ho$ H$maU ~H$ H$mo ^{d` _| hm{Z CR>mZr nS> gH$Vr h, gmW hr F$U
OmopI_, AWmV `{X {Vnjm| mam AnZo Xm{`dm| H$mo nyam Zht {H$`m J`m, Vmo ~H$ H$mo F$U
OmopI_ Ho$ $n _| ^{d` _| hm{Z CR>mZr nS> gH$Vr h. ~moS> mam `Wm{d{Y AZw_mo{XV ~H$ H$s
So>ardo{Q>g Zr{V _| ~mOma OmopI_ (hm{Z H$_ H$aZo Ho$ {bE gVH$Vm {~X, Ama{^H$ am{e gr_m,
Ad{Y, gemo{YV Ad{Y, nrdr 01, Am{X) Ho$ _mZXS> {ZYm[aV {H$E JE h. Bg Zr{V Ho$ AVJV
JmhH$ nmVm _mZXS> (F$U nmVm {ZYmaU, F$U Ad{Y Am{X) ^r {ZYm[aV {H$E JE h. Ho$db
Bg Zr{V _| {ZYm[aV _mZXS>m| na Ia| CVaZo dmbo {Vnjm| go hr So>ardo{Q>d boZXoZ H$aHo$ F$U OmopI_
na {ZÙ {H$`m J`m h& ~m`VmAm| H$mo nyam H$aZo H$s CZH$s j_Vm H$mo `mZ _| aIVo hE g_w{MV
F$U-gr_m {ZYm[aV H$s OmVr h Ama ~H$ Eogo òH$ {Vnj Ho$ gmW AmBEgS>rE H$ama ^r H$aVm h.
iii. ~H$ H$s AmpV-Xo`Vm ~YZ g{_{V (EEbgrAmo) Cnamo$ OmopI_m| Ho$ Hw$eb ~YZ na {ZJamZr
aIVr h.Q>oOar pWV ~H$ H$m {_S> - Am{\$g Ed OmopI_ {ZÙ {d^mJ (E_ Amo Ama gr) Omo {H$
A~ ~mOma OmopI_ ~YZ {d^mJ (E_AmaE_S>r) H$hbmVm h, So>ardo{Q>d boZXoZ go g~ ~mOma
OmopI_ H$m dV $n go A{^{ZYmaU, AmH$bZ VWm AZwdVZ H$aVm h Ama BZ OmopI_m| H$mo
{Z`{V Ed `yZrH$V H$aZo _| AmpV Xo`Vm ~YZ g{_{V (EEbgrAmo) H$s ghm`Vm H$aVm h gmW
hr ~moS> H$s OmopI_ ~YZ g{_{V (AmaE_gr~r) H$mo Zr{VJV Cnm` gwPmZo Ho$ gmW-gmW {Z`{_V
AVamb na AZwnmbZ [anmoQ> VwV H$aVm h.
iv. So>ardo{Q>g Ho$ {bE boIm Zr{V ^maVr` [aOd ~H$ Ho$ {Xem-{ZX}em| Ho$ AZwgma V`ma H$s JB h,
{OgH$m `moam {dm df 2011-12 H$s _wI boIm Zr{V (nrEnr) : AZwgyMr 17 _| {X`m J`m h.
v. {dXoer H$m`mb`m| _| `mO Xa {d{Z_` H$m Cn`moJ _w`V: AmpV Ama Xo`VmAm| H$s ~Mmd `dWm hoVw {H$`m OmVm h.
vi. ~Mmd - `dWm {d{Z_` Ho$ A{V[a$, {dXoer H$m`mb`m| Ho$ {d{Z_`m| _|, h_mao {dXoer H$m`mb`m|
_| {H$E OmZo dmbo nana _wm - {d{Z_`, Omo bmo~b _mH}$Qg, H$mobH$mVm _| _w`V: {dXoer _wm
A{Zdmgr ImVm (E\$grEZAma) O_mam{e`m| H$s ~Mmd - `dWm hoVw {Znm{XV hmoVo h, em{_b h.
vii. h_mao A{YH$me {d{Z_` W_ loUr Ho$ {Vnjr ~H$m| Ho$ gmW {Znm{XV hmoVo Wo.
(I) _mm_H$ H$Q>rH$aU : B) Quantitative Disclosures :

{ddaU
Particulars
(i)
_wm So>ardo{Q>g
`mO Xa So>ardo{Q>g
Currency Derivatives
Interest Rate Derivatives
Mmby df
{nN>bm df
Mmby df
{nN>bm df
Current Year
Previous Year
Current Year
Previous Year
4,954.34
4,36,623.65$
5,902.99
3,63,233.01$
47,532.47
87,138.87#
32,263.98
73,586.79#
941.86
8.43
14,158.22
271.66
17,143.23
89.95
0.00
4,792.43
33.74
3.58
2,393.00
76.95
8.03
114.90
30.44
3.15
18.64
740.32
(8.44)
93.68
45.03
109.35
35.94
1,433.18
769.90
751.04
187.44
70.78
(36.75)
24.49
(17.16)
(522.47)
(840.08)
15.71
(46.86)
So>ardo{Q>g (AmZw_m{ZH$ _yb am{e)

Derivatives (Notional Principal Amount)
H$/a) ~Mmd `dWm (hoqOJ) Ho$ {bE / For hedging
I/b) H$`-{dH$` Ho$ {bE** / For trading**
(ii)
(iii)
(iv)
~mOma Ho$ ~hr- _y` Ho$ AZwgma pW{V

Marked to Market Positions
H$/a) AmpV / Asset
I/b) Xo`Vm / Liability
F$U OmopI_ / Credit Exposure
`mO Xa (100* nrdr 01) _| EH$ {VeV n[adVZ H$m g^m` ^md
Likely impact of one percentage change in interest rate (100* PV01)
H$/a) ~Mmd-`dWm So>ardo{Q>g na / on hedging derivatives
I/b) H$`-{dH$` So>ardo{Q>g na / on trading derivatives
( v)
df Ho$ XmamZ 100* nrdr 01 H$m A{YH$V_ Ed `yZV_

Maximum and Minimum of 100* PV 01 observed during the year
H$/a) ~Mmd `dWm (hoqOJ) na/on hedging
A{YH$V_/Maximum
`yZV_/Minimum
I/b) H$`-{dH$` na/on trading
A{YH$V_/Maximum
`yZV_/Minimum
~H$ Ho$ AnZo H$m`mb`m| Ho$ gmW {d> AmBAmaEg/E\$AmaE H$s `7,600.95 H$amoS> ({nN>bo df$`5035.67 H$amoS>) H$s Hw$b am{e H$mo `hm Zht {XIm`m J`m `m|{H$ `h am{e E\$grEZ~r {Z{Y Ho$ ~Mmd Ho$ {bE aIr JB h Ama Bg{bE
~mOma Ho$ {bE {M{hZV ^r Zht H$s JB h.
$
~H$ Ho$ AnZo {dXoe pWV H$m`mb`m| Ho$ gmW {d> dog H$s `7,276.19 H$amoS> ({nN>bo df `6,865.62 H$amoS>) H$s Hw$b am{e H$mo `hm Zht {XIm`m J`m `m|{H$ `h am{e E\$grEZ~r {Z{Y Ho$ ~Mmd Ho$ {bE aIr JB h Ama Bg{bE
~mOma Ho$ {bE {M{hZV ^r Zht H$s JB h.
** ~H$ Ho$ {dXoe pWV H$m`mb`m| go {H$E JE boZXoZ Bg_| em{_b Zht h& (H$a|gr So>ardo{Q>g `1,260.56 H$amoS> Ed `mO Xa So>ardo{Q>g `159.56 H$amoS>)
1. 31 _mM 2012 VH$ bmo~b _mH}$Q>g {S>nmQ>_|Q> Ama AVam>r` ~qH$J Jwn {S>nmQ>_|Q> Ho$ ~rM So>ardo{Q>g `mnma H$s ~H$m`m AmZw_m{ZH$ am{e `16,279.26 H$amoS> (`11,901.29 H$amoS>) h Ama 31 _mM 2012 VH$ ^maVr` Q>oQ> ~H$
Ho$ {dXoe pWV H$m`mb`m| Ho$ ~rM {H$E JE So>ardo{Q>g `mnma H$s am{e `30,663.90 H$amoS> (`29,379.83 H$amoS>) h.
2. dm`Xm Xa So>ardo{Q>g H$s ~H$m`m AmZw_m{ZH$ am{e, Omo ~mOma-~hr _y` Ho$ AZwgma A{H$V Zht H$s JB h, {H$Vw Ohm 31 _mM 2012 VH$ {dMmamYrZ AmpV/Xo`VmAm|, {OZH$m ~mOma-~hr _y` Ho$ AZwgma AH$Z Zht {H$`m J`m h,
H$s am{e `57,756.33 H$amoS> (`45,525.15 H$amoS>) h.
3. F$U MyH$ {d{Z_` gmXm : Bg gmXo _| {XZmH$ 31 _mM 2012 VH$ Hw$b ~H$m`m am{e `546.90 H$amoS> (`983.32 H$amoS>) h.
#
#
$
**
1.
2.
3.
IRS/FRA amounting to `7,600.95 crores( Previous Year `5,035.67 crores) entered with the Bank's own offices are not shown here as they are for hedging of FCNB
corpus and hence not marked to market.
The swaps amounting to `7,276.19 crores (Previous Year `6,865.62 crores) entered with the Bank's own foreign offices are not shown here as they are for hedging
of FCNB corpus and hence not marked to market.
The forward contract deals with our own Foreign Offices are not included. (Currency Derivatives - `1,260.56 crores and Interest Rate Derivatives - `159.56 crores)
The outstanding notional amount of derivatives done between Global Markets department and International Banking Group department as on 31st March 2012 amounted
to `16,297.26 crores (`11,901.29 crores) and the derivatives done between SBI Foreign Offices as on 31st March 2012 amounted to `30,663.90 crores (`29,379.83 crores).
The outstanding notional amount of interest rate derivatives which are not marked to market where the underlying Assets/Liabilities are not marked to market as
on 31st March 2012 amounted to `57,756.33 crores (`45,525.15 crores)
Credit Default Swap : Outstanding as on 31st March 2012 amounted to `546.90 crores (`983.32 crores).
C177 K177
178
18.4 Asset Quality

a) Non-Performing Assets
18.4 AmpV - JwUdmm

H$) AZOH$ AmpV`m
(` H$amoS> _|)
{ddaU
31 _mM 2012 H$s 31 _mM 2011 H$s

pW{V Ho$ AZwgma pW{V Ho$ AZwgma
i) Hw$b A{J_m| _| {Zdb AZOH$ AmpV`m (%)
1.82%
1.63%
ii) AZOH$ AmpV`m| _| CVma-MT>md (Hw$b)
(H$) AWeof
(I) df Ho$ XmamZ d{ (ZB AZOH$ AmpV`m)
Cn-`moJ (i)
(J) df Ho$ XmamZ AnJoSo>eZ Ho$ H$maU H$_r
(K) dgy{b`m| Ho$ H$maU H$_r (AnJoSo>S> ImVm| go
H$s JB dgy{b`m| H$mo N>moS>H$a)
(L) df Ho$ XmamZ AnboIZ Ho$ H$maU H$_r
Cn - `moJ (ii)
(M) B{V eof (i-ii)
iii) {Zdb AZOH$ AmpV`m| _| CVma-MT>md
(H$) AW eof
(I) df Ho$ XmamZ d{
(J) df Ho$ XmamZ H$_r
(K) B{V eof
iv) AZOH$ AmpV`m| Ho$ mdYmZm| _| CVma-MT>md
(H$) AW eof
(I) df Ho$ XmamZ {H$E JE mdYmZ
(J) A{V[a$ mdYmZm| H$m AnboIZ/{VboIZ
(K) B{V eof
25,326.29
24,712.22
50,038.51
5,458.36
19,534.89
18,145.70
37,680.59
4,499.10
4,159.35
744.34
10,362.05
39,676.46
3,848.35
4,006.85
12,354.30
25,326.29
12,346.90
10,948.96
7,477.01
15,818.85
10,870.17
6,815.83
5,339.10
12,346.90
12,979.39
13,763.27
2,885.05
23,857.61
8,664.72
11,329.87
7,015.20
12,979.39
AWeof Ed B{Veof _| mV Ed W{JV S>rAmBgrOrgr/BgrOrgr Xmdo em{_b h Ama

BZH$s ~H$m`m g_m`moOZ am{e H$_e: `25.38 H$amoS> ({nN>bo df `21.53 H$amoS>) Ed
`46.32 H$amoS> ({nN>bo df `25.38 H$amoS>) h.
(` in Crores)
Particulars
As at
As at
31-Mar-2012 31-Mar-2011
i) Net NPAs to Net Advances (%)

ii) Movement of NPAs (Gross)
(a) Opening balance
(b) Additions (Fresh NPAs)
during the year
Sub-total (I)
(c) Reductions due to upgradations
during the year
(d) Reductions due to recoveries
(Excluding recoveries made from
upgraded accounts)
(e) Reductions due to Write-offs
during the year
Sub-total (II)
(f) Closing balance (I-II)
iii) Movement of Net NPAs
(a) Opening balance
(b) Additions during the year
(c) Reductions during the year
(d) Closing balance
iv) Movement of provisions for NPAs
(a) Opening balance
(b) Provisions made during the year
(c) Write-off / write-back of excess
provisions
(d) Closing balance
1.82%
1.63%
25,326.29
19,534.89
24,712.22
50,038.51
18,145.70
37,680.59
5,458.36
4,499.10
4,159.35
3,848.35
744.34
10,362.05
39,676.46
4,006.85
12,354.30
25,326.29
12,346.90
10,948.96
7,477.01
15,818.85
10,870.17
6,815.83
5,339.10
12,346.90
12,979.39
13,763.27
8,664.72
11,329.87
2,885.05
23,857.61
7,015.20
12,979.39
Opening and closing balances include DICGC / ECGC claims received and held
pending adjustment of ` 25.38 crores (P.Y. ` 21.53 crores) and ` 46.32 crores
(P.Y. ` 25.38 crores) respectively.
I) 01.04.2011 go 31.03.2012 VH$ H$s Ad{Y Ho$ XmamZ nwZgaMZm Ho$ AYrZ F$UstAmpV`m| H$m `moam st
b)
Details of Loan Assets subjected to Restructuring during the period from 1 April 2011 to 31 March 2012
{ddaU
{ddaU
grS>rAma `dWm
EgE_B F$U nwZgaMZm
A`
`moJ
Particulars
Particulars
CDR Mechanism
SME Debt Restructuring
Others
Total
nwZgaMZmJV _mZH$ A{J_
CYmaH$mmAm| H$s g.
Standard advances restructured
No. of Borrowers
29
(25)
134
(133)
2,159
(10,277)
2,322
(10,435)
3,015.53
(752.37)
568.42
(369.42)
4,810.73
(3,578.37)
8,394.68
(4,700.16)
378.52
(183.70)
10.25
(5.14)
86.41
(272.23)
475.18
(461.07)
3
( 4)
21
(33)
105
(285)
129
(322)
182.62
(223.21)
73.37
(14.60)
336.43
(567.75)
592.42
(805.56)
22.44
(29.03)
5.25
(1.29)
5.62
(13.57)
33.31
(43.89)
1
(-)
41
(17)
27
(20)
69
(37)
41.77
(-)
84.00
(30.05)
158.79
(122.28)
284.56
(152.33)
0.00
(-)
5.65
(0.57)
10.82
(1.08)
16.47
(1.65)
33
(29)
196
(183)
2,291
(10,582)
2,520
(10,794)
3,239.92
(975.58)
725.79
(414.07)
5,305.95
(4,268.40)
9,271.66
(5,658.05)
400.96
(212.73)
21.15
(7.00)
102.85
(286.88)
524.96
(506.61)
~H$m`m am{e
Amount outstanding
CgOZ (C{MV _y` _| mg)

Sacrifice (diminution in the fair value)
nwZgaMZmJV Ad_mZH$ A{J_
CYmaH$mmAm| H$s g.
Sub standard advances restructured
No. of Borrowers
~H$m`m am{e
Amount outstanding

nwZgaMZmJV g{XY A{J_
CYmaH$mmAm| H$s g.
Doubtful advances restructured
No. of Borrowers
~H$m`m am{e
Amount outstanding

`moJ
CYmaH$mmAm| H$s g.
TOTAL
No. of Borrowers
~H$m`m am{e
Amount outstanding

(H$mo>H$m| _| {XE JE AmH$S>o {nN>bo df Ho$ h) / (Figures in brackets are for Previous Year)
C178 K178
179
c)
J) AmpV nwZ{Z_mU Ho$ {bE {V^y{VH$aU H$nZr (Eggr)/nwZ{Z_mU H$nZr (Amagr) H$mo
{~H$s H$s JB {dmr` AmpV`m| H$m `moam
(` H$amoS> _|)
{ddaU
Mmby df
{nN>bm df
i) ImVm| H$s g`m
3
3
ii) {V^y{VH$aU H$nZr/nwZ{Z_mU H$nZr (Eggr/Amagr)
H$mo {~H$s {H$E JE ImVm| H$m Hw$b _y` (mdYmZ KQ>mH$a)
4.08
{ZaH$
iii) g_J {V\$b
10.35
26.82
iv) nyddVu dfm] _| AV[aV ImVm| Ho$ g~Y _| m
A{V[a$ {V\$b
{ZaH$
{ZaH$
v) {Zdb ~hr _y` go A{YH$ Hw$b bm^/(hm{Z)
6.27
26.82
K) H$` H$s JB AZOH$ {dmr` AmpV`m| H$m `moam
(` H$amoS> _|)
{ddaU
Mmby df
{nN>bm df
1) (H$) df Ho$ XmamZ H$` {H$E JE ImVm| H$s g.
{ZaH$
{ZaH$
(I) Hw$b ~H$m`m am{e
{ZaH$
{ZaH$
2) (H$) BZ_| go df Ho$ XmamZ nwZgaMZmJV ImVm| H$s g`m
{ZaH$
{ZaH$
(I) Hw$b ~H$m`m am{e
{ZaH$
{ZaH$
L) {~H$s H$s JB AZOH$ {dmr` AmpV`m| H$m `moam
(` H$amoS> _|)
{ddaU
Mmby df
{nN>bm df
1) {~H$s {H$E JE ImVm| H$s g.
9
4
2) Hw$b ~H$m`m am{e
35.69
103.23
3) Hw$b Vm{dV _y` {V\$b
12.79
47.98
M ) _mZH$ AmpV`m| na mdYmZ
~H$ mam ^maVr` [aOd ~H$ Ho$ {Xem-{ZX}em| Ho$ AZwgma _mZH$ AmpV`m| na {H$`m J`m mdYmZ
{ZZmZwgma h :
{ddaU
31 _mM 2012 H$s 31 _mM 2011 H$s
pW{V Ho$ AZwgma pW{V Ho$ AZwgma
_mZH$ AmpV`m| Ho$ {bE {H$E JE mdYmZ
4296.03**
3,336.08*
* nyddVu Q>oQ> ~H$ Am\$ BXma go AV[aV am{e `106.12 H$amoS> g{hV
** nyddVu Eg~rAmBgrAmB ~H$ {b. go AV[aV am{e `0.98 H$amoS> g{hV
N>) `dgm` AZwnmV
{ddaU
Mmby df
{nN>bm df
i.
H$mèrb {Z{Y`m| H$s VwbZm _| `mO Am` H$m {VeV
8.04%
6.96%
ii. H$mèrb {Z{Y`m| H$s VwbZm _| `mOoVa Am` H$m {VeV
1.08%
1.35%
iii. H$mèrb {Z{Y`m| H$s VwbZm _| n[aMmbZ bm^ H$m {VeV 2.38%
2.17%
iv. AmpV`m| na {Vbm^
0.88%
0.71%
v. {V H$_Mmar `dgm` (O_mam{e`m Ed A{J_ OmoS>H$a)
(` hOma _|)
79,842
70,465
vi. {V H$_Mmar bm^ (` hOma _|)
531.45
384.63
d)
e)
f)
Details of financial assets sold to Securitisation Company (SC) /

Reconstruction Company (RC) for Asset Reconstruction
Particulars
Current Year
i)
No. of Accounts
3
ii) Aggregate value (net of provisions)
of accounts sold to SC/RC
4.08
iii) Aggregate consideration
10.35
iv) Additional consideration realized in
respect of accounts transferred in earlier years
Nil
v) Aggregate gain / (loss) over net book value
6.27
Nil
26.82
Nil
26.82
Details of non-performing financial assets purchased

Particulars
Current Year
1) (a) No. of Accounts purchased
during the year
Nil
(b) Aggregate outstanding
Nil
2) (a) Of these, number of accounts
restructured during the year
Nil
(b) Aggregate outstanding
Nil
(` in Crores)
Previous Year
Details of non-performing financial assets sold

Particulars
1) No. of Accounts sold
2) Aggregate outstanding
3) Aggregate consideration received
(` in Crores)
Previous Year
4
103.23
47.98
Current Year
9
35.69
12.79
Nil
Nil
Nil
Nil
Provision on Standard Assets

The Provision on Standard Assets held by the Bank in accordance with RBI guidelines is as
under:
Particulars
As at
As at
31-Mar-2012
31-Mar-2011
Provision towards Standard Assets
g)
(` in Crores)
Previous Year
3
4,296.03**
3,336.08*
*includes `106.12 crores transferred from eSBIN

** Includes `0.98 crore transferred from e SBICI Bank Limited.
Business Ratios
Particulars
Current Year
Previous Year
i.
ii.
iii.
iv.
v.
vi.
Interest Income as a percentage to

Working Funds
Non-interest income as a percentage to
Working Funds
Operating Profit as a percentage to
Working Funds
Return on Assets
Business (Deposits plus advances) per
employee (` in thousands)
Profit per employee (` in thousands)
8.04%
6.96%
1.08%
1.35%
2.38%
0.88%
2.17%
0.71%
79,842
531.45
70,465
384.63
O) AmpV Xo`Vm ~YZ : 31 _mM 2012 H$s pW{V Ho$ AZwgma AmpV`m| Ama Xo`VmAm| H$s Hw$N> _Xm| H$s n[an$Vm H$m d$n
h)
Asset Liability Management: Maturity pattern of certain items of assets and liabilities as at 31st March 2012
1 {XZ
8 go 14
{XZ VH$
2 to 7 days
8 to 14 days
24,952.42
(24,992.66)
24,148.78
(21,696.53)
23,163.49
(20,849.71)
17,309.22
(15,202.16)
54,829.96
(45,801.60)
1,00,330.59
(88,669.77)
1,37,776.39 3,06,073.55
(1,20,303.13) (2,77,716.71)
1,78,971.15 1,76,091.82
(1,61,534.99) (1,57,165.55)
10,43,647.36
(9,33,932.81)
39,710.85
(46,944.31)
6,386.88
(7,543.86)
17,237.21
(25,432.64)
10,140.95
(8,835.11)
47,080.98
(48,819.28)
38,041.23
(31,407.67)
43,231.60 4,08,461.94
(27,303.96) (3,54,683.76)
81,234.24 1,76,053.01
(69,728.43) (1,36,020.43)
8,67,578.89
(7,56,719.45)
134.68
( -)
2,447.45
(1,189.00)
80.61
(739.57)
3,514.89
(2,289.27)
19,109.04
(4,201.94)
8,664.67
(11,196.27)
11,902.56
(6,540.61)
48,553.21
(56,742.58)
54,935.00 1,62,855.50
(52,689.05) (1,60,012.28)
3,12,197.61
(2,95,600.57)
688.64
(2,763.15)
13,988.94
(10,484.15)
2,842.08
(2,953.07)
6,748.88
(4,903.26)
21,202.93
(17,474.77)
9,765.70
(8,776.92)
5,107.03
(10,349.74)
12,524.56
(5,690.22)
18,052.01
36,084.79
(15,204.41) (40,969.26 )
1,27,005.56
(1,19,568.95)
26,245.58
(32,391.28)
2,684.58
(1,405.38)
3,873.88
(2,594.40)
6,002.43
(6,150.93)
24,917.46
(27,064.10)
20,344.78
(16,092.55)
13,868.74
(10,475.55)
24,187.50
(17,608.64)
28,022.95
(20,757.39)
23,057.38
(20,783.93)
1,73,205.28
(1,55,324.15)
15,576.62
(20,911.86)
11,807.38
(7,223.70)
4,543.24
(4,167.90)
9,168.21
(7,406.10)
30,276.50
(23,216.44)
20,977.29
(15,506.06)
22,645.06
(22,613.11)
23,817.29
(15,046.29)
19,169.38
(20,065.97)
4,002.97
(5,527.71)
1,61,983.94
(1,41,685.14)
1 day
O_mam{e`m
Deposits
A{J_
Advances
{d{ZYmZ
Investments
CYma-am{e`m
Borrowings
{dXoer _wm AmpV`m

Foreign Currency Assets
{dXoer _wm Xo`VmE

Foreign Currency Liabilities
15 go 28 {XZ
2 go 7
{XZ VH$
15 to 28 days
29 {XZ go 3 _mg go A{YH$ 6 _mg go A{YH$ 1 df go A{YH$ 3 df go A{YH$ 5 df go A{YH$

3 _mg VH$ qH$Vw 6 _mg VH$ qH$Vw 1 df VH$ qH$Vw 3 df VH$ qH$Vw 5 df VH$ Over 5 years
29 days to
3 months
(H$moR>H$m| _| {XE JE AmH$S>o 31 _mM 2011 Ho$ h)

(Figures in brackets are as at 31st March 2011)
C179 K179
`moJ
TOTAL
Over 3 months Over 6 months Over 1 year & Over 3 years &
& upto 6 months & upto 1 year upto 3 years upto 5 years
180
18.5 F$U-OmopI_
~H$ CZ jom| H$mo F$U XmZ H$a ahm h, {OZHo$ AmpV _y` _| CVma-MT>md hmoVm ahVm h.
H$) Wmda gnXm jo
(` H$amoS> _|)
{ddaU
18.5 Exposures
The Bank is lending to sectors which are sensitive to asset price
fluctuations.
a) Real Estate Sector
(` in Crores)
31 _mM 2012 31 _mM 2011

H$s pW{V
H$s pW{V
Ho$ AZwgma
Ho$ AZwgma
Particulars
(I)
(I) `j F$U-OmopI_
i) Amdmgr` ~YH$
1,25,992.41 1,14,199.40
{OZ_| go `20 bmI VH$ Ho$ `{$JV Amdmg F$U 76,980.09 73,628.78
ii) dm{Up`H$ Wmda gnXm
12,674.38 14,011.31
iii) ~YH$ g_{WV {V^y{V`m| (E_~rEg) VWm
A` {V^y{VH$V F$U-OmopI_m| _| {d{ZYmZ:
154.55
186.73
H$) Amdmgr`
127.64
164.86
I) dm{Up`H$ Wmda gnXm
26.9
21.87
(II) A`j F$U-OmopI_
am>r` Amdmg ~H$ (EZEM~r) VWm Amdmg
{dm H$n{Z`m| (EME\$gr) _| {Z{Y AmYm[aV
Ama Ja-{Z{Y AmYm[aV F$U-OmopI_
5,847.03
6,226.05
`moJ
(` H$amoS> _|)
{ddaU
31 _mM 2012 31 _mM 2011

H$s pW{V
H$s pW{V
Ho$ AZwgma
Ho$ AZwgma
1) B{$Q>r eoàm|, n[adVZerb ~mS>m|, n[adVZerb

{S>~|Mam| VWm B{$Q>r g~ `yMwAb \$S>m| H$s
`y{ZQ>m| _| - Eogo `j {d{ZYmZ {OZH$s am{e H$m
{g\$ H$manmoaoQ> - F$U _| {d{ZYmZ Zht {H$`m J`m h.
1,912.18
2) eoàm|| (AmBnrAmo/BEgAmonr g{hV),
n[adVZerb ~mS>m|, n[adVZerb {S>~|Mam| Ama B{$Q>r
g~XY `yMwAb \$S>m| _| {Zdoe H$aZo Ho$ {bE eoàm|/~mS>m|/
{S>~|Mam| `m A` {V^y{V`m| Ho$ AmYma na `m {~Zm O_mZV
Ho$ `{$`m| H$mo {XE JE A{J_.
6.80
3) A` {H$gr `moOZ Ho$ {bE A{J_ Ohm eoàm| AWdm
n[adVZerb ~mS>m| AWdm n[adVZerb {S>~|Mam| H$mo
AWdm B{$Q>r g~ `yMwAb \$S> H$s `y{ZQ>m| H$mo
mW{_H$ {V^y{V Ho$ $n _| {b`m J`m h.
355.42
4) A` {H$gr `moOZ Ho$ {bE Eogo A{J_ {OZHo$ {bE eoàm|
AWdm n[adVZerb ~mS>m| AWdm n[adVZerb {S>~|Mam|
AWdm B{$Q>r g~ `yMwAb \$S>m| H$s `y{ZQ>m| H$s gnm{H$
{V^y{V Xr JB h, AWmV Ohm eoàm|/n[adVZerb ~mS>m|/
n[adVZerb {S>~|Mam|/B{$Q>r g~ `yMwAb \$S>m| H$s
`y{ZQ>m| Ho$ A{V[a$ mW{_H$ {V^y{V A{J_ H$s am{e H$s
nyU - {V^y{V Ho$ $n _| An`m h.
168.56
5) eoà Xbmbm| H$mo {V^yV Ama A{V^yV A{J_ Ama
eoà Xbmbm| Ed ~mOma - {Z`m_H$m| (_mH}$Q> _oH$g)
H$s Amoa go Omar Jma{Q>`m
541.21
6) ggmYZm| H$mo ~T>mZo H$s `mem go ZB H$nZr H$s B{$Q>r _|
dVH$ Ho$ AeXmZ H$m {hgm nyam H$aZo Ho$ {bE H$manmoaoQ>m|
H$mo eoàm|/~mS>m|/{S>~|Mam| `m A` {V^y{V`m| AWdm
~oO_mZVr AmYma na gdrH$V F$U
{ZaH$
7) Ano{jV B{$Q>r dmh/eoà {ZJ_m| Ho$ gmnoj H$n{Z`m|
H$mo {XE JE nyaH$ F$U
0.02
8) eoàm| `m n[adVZerb ~mS>m| AWdm n[adVZerb {S>~|Mam|
`m B{$Q>r g~ `yMwAb \$S>m| Ho$ mW{_H$ eoà {ZJ_
Ho$ g~Y _| ~H$ mam {H$`m J`m hm_rXmar H$mamo~ma.
{ZaH$
9) eoà Xbmbm| H$mo _m{OZ H$`-{dH$` Ho$ {bE {dmnmofU
{ZaH$
10) C_ - nyOr {Z{Y`m| go g~{YV F$U -OmopI_
(nOrH$V VWm Ja-nOrH$V XmoZm|)
586.07
nyOr ~mOma _| Hw$b F$U-OmopI_
3,570.26
As at
31-Mar-2011
1,25,992.41
1,14,199.40
Direct exposure
i)
Residential Mortgages
- Of which individual housing
loans up to ` 20 lac
ii) Commercial Real Estate

iii) Investments in Mortgage Backed
Securities (MBS) and other
securitised exposures:
a) Residential
b) Commercial Real Estate
76,980.09
73,628.78
12,674.38
14,011.31
154.55
186.73
127.64
164.86
26.90
21.87
(II) Indirect Exposure

Fund based and non-fund based
exposures on National Housing Bank (NHB)
and Housing Finance Companies (HFCs)
1,44,668.37 1,34,623.49
I) nyOr ~mOma
As at
31-Mar-2012
Total
b)
Capital Market
Particulars
5,847.03
6,226.05
1,44,668.37
1,34,623.49
As at
31-Mar-2012
(` in Crores)
As at
31-Mar-2011
1,912.18
8,868.34
1)
Direct investment in equity shares, convertible

bonds, convertible debentures and units of
equity-oriented mutual funds the corpus of
which is not exclusively invested in corporate debt.
2)
Advances against shares / bonds / debentures or

other securities or on clean basis to individuals
for investment in shares (including IPOs/ESOPs),
convertible bonds, convertible debentures and
units of equity-oriented mutual funds.
6.80
10.22
3)
Advances for any other purposes where shares

or convertible bonds or convertible debentures or
units of equity oriented mutual funds are taken
as primary security.
355.42
0.39
4)
Advances for any other purposes to the extent

secured by the collateral security of shares or
convertible bonds or convertible debentures or
units of equity oriented mutual funds i.e. where
the primary security other than shares/
convertible bonds/convertible debentures/
units of equity oriented mutual funds does
not fully cover the advances.
168.56
33.67
33.67
5)
Secured and unsecured advances to stock brokers

and guarantees issued on behalf of stock brokers
and market makers
541.21
773.95
773.95
6)
Loans sanctioned to corporates against the

security of shares/bonds/debentures or other
securities or on clean basis for meeting
promoter's contribution to the equity of new
companies in anticipation of raising resources.
Nil
40.11
7)
Bridge loans to companies against expected

equity flows/issues.
0.02
0.01
8)
Underwriting commitments taken up by the

Banks in respect of primary issue of shares or
convertible bonds or convertible debentures
or units of equity oriented mutual funds.
Nil
Nil
9)
Financing to stock brokers for margin trading.
Nil
Nil
586.07
608.61
3,570.26
10,335.30
8,868.34
10.22
0.39
40.11
0.01
{ZaH$
{ZaH$
608.61
10,335.30
C180 K180
10) Exposures to Venture Capital Funds (both

registered and unregistered)
Total Exposure to Capital Market
181
J) OmopI_ dJdma XoeJV OmopI_

^maVr` [aOd ~H$ Ho$ dV_mZ {Xem-{ZX}em| Ho$ AZwgma, ~H$ Ho$ Xoedma F$U-OmopI_ H$m dJuH$aU {ZZ Vm{bH$m _| gyMr~ {d{^ OmopI_ dJm] _| {H$`m J`m h. `yEgE H$mo N>moS>H$a, {H$gr ^r
Xoe Ho$ {bE ~H$ H$s XoeJV OmopI_ (Hw$b {Z{YH$) BgH$s Hw$b F$U AmpV`m| Ho$ 1% go A{YH$ Zht h Ama Bg{bE `yEgE hoVw XoeJV OmopI_ H$m mdYmZ {H$`m J`m h.
c)
Risk Category wise Country Exposure

As per the extant RBI guidelines, the country where exposure of the Bank is categorised into various risk categories listed in the following table. The country exposure (net funded) of the
Bank for any country does not exceed 1% of its total assets except on USA and hence provision for the country exposure on USA has been made.
(` H$amoS> _|/` In crores)
OmopI_ dJ
F$U-OmopI_ ({Zdb)
Risk Category
{H$`m J`m mdYmZ
Exposure (net)
Provision held
31 _mM 2012 H$s

pW{V Ho$ AZwgma
31 _mM 2011 H$s

pW{V Ho$ AZwgma
31 _mM 2012 H$s

pW{V Ho$ AZwgma
31 _mM 2011 H$s

pW{V Ho$ AZwgma
As at 31-Mar-2012
As at 31-Mar-2011
As at 31-Mar-2012
As at 31-Mar-2011
ZJ`/Insignificant
~hV H$_/Very Low
H$_/Low
_`_ H$_/Low Medium
_`_/Medium
A{YH$/HIgh
A`{YH$/Very HIgh
{V~{YV/Restricted
F$U A`mo`/Off-Credit
`moJ/Total
5.93
901.43
{ZaH$/Nil
60,691.68
53,241.04
27.89
23.68
833.76
bmJy Zht/NA
bmJy Zht/NA
bmJy Zht/NA
bmJy Zht/NA
{ZaH$/Nil
{ZaH$/Nil
{ZaH$/Nil
bmJy Zht/NA
23.68
1,208.60
2,206.31
3,965.87
4,098.94
{ZaH$/Nil
bmJy Zht/NA
{ZaH$/Nil
{ZaH$/Nil
{ZaH$/Nil
{ZaH$/Nil
{ZaH$/Nil
{ZaH$/Nil
{ZaH$/Nil
82,097.54
73,473.56
27.89
9,782.76
11252.64
3,541.64
bmJy Zht/NA
2,067.30
1,773.20
{ZaH$/Nil
K) ~H$ mam A{VH${_V EH$b CYmaH$mm VWm g_yh CYmaH$mm F$U-OmopI_ gr_m H$m `moam :
d)
Single Borrower and Group Borrower exposure Limits exceeded by the Bank
~H$ Zo {ZZ{bpIV _m_bm| _| `Wmo{MV gr_m Ho$ A{VH$_U _| EH$b CYmaH$mm F$U-OmopI_ {bE :
The Bank had taken single borrower exposure in excess of the prudential limit in the cases given below :
CYmaH$mm H$m Zm_

Name of the Borrower
F$U-OmopI_ H$s
Cm_ gr_m
gdrH$V gr_m
(Ma_ Va)
gr_m Ho$ A{VH$_U H$s Ad{Y
31.03.12 H$s pW{V

Ho$ AZwgma ~H$m`m
Exposure ceiling
Limit Sanctioned
(Peak Level)
Period during which limit

exceeded
Outstanding
as on 31.03.12
[abm`g BS>Q>rO {b.
14,779.58
15,214.49
Reliance Industries Limited
14,783.26
15,358.18
B{S>`Z Am`b H$manmoaoeZ {b.
24,632.64
28,953.68
Indian Oil Corporation Ltd.
24,638.76
28,114.56
^maV hodr BbopQ>H$g {b.
14,779.58
14,783.23
17,670.00
17,670.00
Bharat Heavy Electricals Limited
(` H$amoS> _|/` In crores)
OZdar 2012/January 2012 VWm

\$adar 2012/February 2012
Ab 2011 go OZdar 2012/April 2011 to January 2012
\$adar 2012 go _mM 2012/February 2012 to March 2012
Ab 2011 go OZdar 2012/April 2011 to January 2012
\$adar 2012 go _mM 2012/February 2012 to March 2012
6,867.32
24,374.33
13,522.21
Note: Exposure on RIL, BHEL & IOCL are within the discretion given to Banks by RBI (additional 5% of capital funds, over Prudential Limits).
{Q>nUr AmaAmBEb, ~rEMBEb Ama AmBAmogrEb go g~{YV F$U Omo{I_ ^maVr` [aOd ~H$ mam ~H$m| H$mo {XE JE {ddoH$m{YH$ma ({ddoH$s F$U-gr_mAm| H$s VwbZm _| nyOrJV {Z{Y`m|
go 5% A{YH$) Ho$ AXa h&
L)
(` H$amoS> _|)
A{V^yV A{J_
{ddaU
H$) ~H$ Ho$ Hw$b A{V^yV A{J_

i) BZ_| go A{J_m| H$s am{e, Omo eoà, bmBg|g,
m{YH$ma Am{X Ho$ $n _| _yV {V^y{V`m| Ho$
^ma na ~H$m`m h.
ii) BZ _yV {V^y{V`m| H$m m${bV _y`
(D$na (i) Ho$ AZwgma)
a) Total Unsecured Advances of the bank

i) Of which amount of advances outstanding
against charge over intangible securities
such as rights, licences, authority etc
ii) The estimated value of such intangible
securities (as in (i) above).
1,64,479.17 1,53,018.58
4,848.24
795.72
4,159.48
4,114.30
EgOrEb \$m_m] Ho$ CKZ na bJmE JE AWXS>

~H$ na EgOrEb \$m_m] Ho$ CKZ na {H$gr Vah H$m AWXS> Zht bJm`m J`m h&
C181 K181
Unsecured Advances
Particulars
31 _mM 2012 31 _mM 2011

H$s pW{V
H$s pW{V
Ho$ AZwgma
Ho$ AZwgma
18.6 {d{dY
H$) ^maVr` [aOd ~H$ mam bJmE JE AWXS>m| H$m H$Q>Z
`0.10 H$amoS> ({nN>bo df `0.13 H$amoS>)
I)
e)
(` In crores)
As at
31 Mar 2012
As at
31 Mar 2011
1,64,479.17
1,53,018.58
4,848.24
795.72
4,159.48
4,114.30
18.6 Miscellaneous
a) Disclosure of Penalties imposed by RBI
` 0.10 crore (Previous year - ` 0.13 crores)
b)
Penalty for Bouncing of SGL forms

No penalty has been levied on the Bank for bouncing of SGL Forms.
182
18.7 boImH$Z _mZH$m| Ho$ AZwgma H$Q>Z AnojmE

H$) H$_Mmar - {hVbm^
i. {Z`V {hVbm^ `moOZmE
~H$ mam {Z`wV dV ~r_m{H$H$ mam ~r_m{H$H$ _y`mH$Z Ho$ AZwgma {Z`V {hVbm^
n|eZ `moOZm Ed Jo`wQ>r H$s pW{V {ZZ Vm{bH$m _| VwV H$s JB h : (` H$amoS> _|)
{ddaU
n|eZ `moOZm
Jo`wQ>r
Mmby df {nN>bm df Mmby df {nN>bm df
{Z`V {hVbm^ Xm{`d Ho$ dV_mZ

_y` _| n[adVZ
1 Ab 2011 H$mo {Z`V {hVbm^ Xm{`d
`moOZm H$m Ama{^H$ eof
33,879.30
{db` Ed A{YJhU na Xo`VmE
25.03
dV_mZ godm bmJV
950.40
`mO bmJV
2,879.74
nyd godm bmJV ({Z{hV bm^)
82.00
nyd godm bmJV (n[aemo{YV)
nyd godm bmJV (Ama{jV`m| _| _m`
{Z{hV bm^)
nyd godm bmJV (mdYmZm| go g_m`mo{OV
{Z{hV bm^)
EMw[a`b hm{Z (bm^ )
781.46
gXm bm^
(1,140.37)
~H$ mam `j ^wJVmZ
(931.88)
31 _mM 2012 H$mo {Z`V {hVbm^ Xm{`d
`moOZm H$m B{Veof
36,525.68
`moOZm AmpV`m| _| n[adVZ
1 Ab 2011 H$mo `moOZm AmpV`m|
H$m Ama{^H$ C{MV _y`
16,800.10
{db` Ed A{YJhU na AV[aV AmpV`m
25.03
A` {Z{Y`m| go AVaU
~H$ mam gXm _hJmB amhV
`moOZm AmpV`m| na `m{eV {Vbm^
1,344.01
{Z`mo$m mam AeXmZ
10,046.64
Xm {hVbm^
( 1,140.37)
`moOZm AmpV`m| na ~r_m{H$H$ bm^/(hm{Z) 130.16
31 _mM 2012 H$mo `moOZm AmpV`m| Ho$
C{MV _y` H$m B{Veof
27,205.57
Xm{`d Ho$ dV_mZ _y` VWm `moOZm
AmpV`m| Ho$ C{MV _y` H$m g_mYmZ
31 _mM 2012 H$mo {Z{YH$ Xm{`d H$m
dV_mZ _y`
36,525.68
31 _mM 2012 H$mo `moOZm AmpV`m| H$m
C{MV _y`
27,205.57
H$_r/(A{Yeof )
9,320.11
boIo _o Zht br JB nyd godm bmJV
({Z{hV) B{Veof
boIo _o Zht br JB n[adVZ Xo`Vm B{Veof
{Zdb Xo`Vm/(AmpV)
9,320.11
VwbZn _| em{_b H$s JB am{e
Xo`VmE
36,525.68
AmpV`m
27,205.57
VwbZn _| em{_b {Zdb Xo`Vm/(AmpV) 9,320.11
boIo _| Zht br JB nyd godm bmJV
({Z{hV) B{Veof
boIo _| Zht br JB n[adVZ Xo`Vm B{Veof
Hw$b Xo`VmE /AmpV`m
9,320.11
bm^ Ama hm{Z ImVo _| em{_b
{Zdb bmJV
dV_mZ godm bmJV
950.40
`mO bmJV
2,879.74
`moOZm-AmpV`m| na `m{eV {Vbm^ ( 1,344.01)
boIo _| br JB nyd godm bmJV (n[aemo{YV)
boIo _| br JB nyd godm bmJV ({Z{hV bm^)
82.00
df Ho$ XmamZ em{_b {Zdb ~r_m{H$H$
hm{Z`m (bm^), Omo boIo _| {bE JE
651.30
{Z`V bm^ `moOZmAm| H$s Hw$b bmJV AZwgyMr
16 ""H$_Mm[a`m| H$mo ^wJVmZ Ama CZHo$ {bE
mdYmZ'' _| em{_b {H$`m J`m h.
3,219.43
21,715.61 5,817.19
484.00 133.25
892.28 178.66
1,890.02 494.46
7,927.41
3,889.14
120.47
144.38
303.80
425.00
1,306.70
1,188.70 367.64
(744.75) (528.38)
(780.67)
-
675.00
731.32
(471.92)
-
33,879.30 6,462.82
5,817.19
14,714.83 4,102.25
484.00
2.16
1,215.25 328.18
848.12 1,315.00
(744.75) (528.38)
282.65
32.58
3,811.28
120.47
312.28
328.20
(471.92)
1.94
16,800.10 5,251.79
4,102.25
33,879.30 6,462.82
5,817.19
16,800.10 5,251.79
17,079.20 1,211.03
4,102.25
1,714.94
17,079.20
300.00
911.03
400.00
1,314.94
33,879.30 6,462.82
16,800.10 5,251.79
17,079.20 1,211.03
5,817.19
4,102.25
1,714.94
17,079.20
300.00
911.03
400.00
1,314.94
892.28
1,890.02
(1,215.25)
-
178.66
494.46
328.18
100.00
-
144.38
303.80
(312.28)
25.00
675.00
906.05
335.06
729.38
2,473.10
780.00
1,565.28
C182 K182
18.7 Disclosure Requirements as per Accounting Standards

a)
Employee Benefits
i. Defined Benefit Plans
The following table sets out the status of the defined benefit Pension Plan and Gratuity
Plan as per the actuarial valuation by the independent Actuary appointed by the
(` In crores)
Bank:Particulars
Pension Plans
Current Previous
Year
Year
Change in the present value of

the defined benefit obligation
Opening defined benefit obligation
at 1st April 2011
33,879.30
Liability on merger and acquisition
25.03
Current Service Cost
950.40
Interest Cost
2,879.74
Past Service Cost (Vested Benefit)
82.00
Past Service Cost (Amortised)
Past Service Cost (Vested Benefit

recognised in Reserves)
Past Service Cost (Vested Benefit

adjusted from Provisions)
Actuarial losses (gains)

781.46
Benefits paid
(1,140.37)
Direct Payment by Bank
(931.88)
Closing defined benefit obligation
at 31st March 2012
36,525.68
Change in Plan Assets
Opening fair value of Plan Assets
as at 1st April 2011
16,800.10
Asset transferred on merger and
acquisition
25.03
Transfer from other fund
Dearness Relief Paid by Bank
Expected Return on Plan Assets

1,344.01
Contributions by employer
10,046.64
Benefits Paid
(1,140.37)
Actuarial Gains / (Loss) on plan Assets
130.16
Closing fair value of plan assets
as at 31st March 2012
27,205.57
Reconciliation of present value
of the obligation and fair value
of the plan assets
Present Value of Funded obligation
at 31st March 2012
36,525.68
Fair Value of Plan assets
at 31st March 2012
27,205.57
Deficit/(Surplus)
9,320.11
Unrecognised Past Service Cost
(Vested) Closing Balance
Unrecognised Transitional Liability

Closing Balance
Net Liability/(Asset)
9,320.11
Amount Recognised in the Balance Sheet
Liabilities
36,525.68
Assets
27,205.57
Net Liability / (Asset) recognised
in Balance Sheet
9,320.11
(Vested) Closing Balance
Unrecognised Transitional Liability

Closing Balance
Net Liability/(Asset)
9,320.11
Net Cost recognised in the profit
and loss account
Current Service Cost
950.40
Interest Cost
2,879.74
Expected return on plan assets
(1,344.01)
Past Service Cost (Amortised) Recognised
Past Service Cost (Vested Benefit)

Recognised
82.00
Net actuarial losses (Gain) recognised
during the year
651.30
Total costs of defined benefit plans
included in Schedule 16 Payments to
and provisions for employees
3,219.43
Gratuity
Current
Previous
Year
Year
21,715.61
484.00
892.28
1,890.02
5,817.19
133.25
178.66
494.46
3,889.14
120.47
144.38
303.80
425.00
7,927.41
1,306.70
1,188.70
(744.75)
(780.67)
367.64
(528.38)
675.00
731.32
(471.92)
33,879.30
6,462.82
5,817.19
14,714.83
4,102.25
3,811.28
484.00
1,215.25
848.12
(744.75)
282.65
2.16
328.18
1,315.00
(528.38)
32.58
120.47
312.28
328.20
(471.92)
1.94
16,800.10
5,251.79
4,102.25
33,879.30
6,462.82
5,817.19
16,800.10
17,079.20
5,251.79
1,211.03
4,102.25
1,714.94
300.00
400.00
17,079.20
911.03
1,314.94
33,879.30
16,800.10
6,462.82
5,251.79
5,817.19
4,102.25
17,079.20
1,211.03
1,714.94
300.00
400.00
17,079.20
911.03
1,314.94
892.28
1,890.02
(1,215.25)
178.66
494.46
328.18
100.00
144.38
303.80
(312.28)
25.00
675.00
906.05
335.06
729.38
2,473.10
780.00
1,565.28
{ddaU
183
n|eZ `moOZm
Jo`wQ>r

Ama ~r_m{H$H$ {Vbm^ H$m g_mYmZ
1,344.01 1,215.25 328.18
312.28
`moOZm AmpV`m| na ~r_m{H$H$ bm^/(hm{Z) 130.16
282.65
32.58
1.94
`moOZm AmpV`m| na ~r_m{H$H$ {Vbm^
1,474.17 1,497.90 360.76
314.22
VwbZn _| em{_b {Zdb Xo`Vm/(AmpV)
Ho$ AW Ama B{V eof H$m g_mYmZ
1 Ab 2011 H$s pW{V Ho$ AZwgma {Zdb
ma{^H$ Xo`Vm
17,079.20 7,000.78 1,314.94
77.86
bm^ Ama hm{Z ImVo _| em{_b ``
3,219.43 2,473.10 780.00 1,565.28
{db` / A{YJhU go {Zdb Xo`VmE
131.09
~H$ mam grYo Xm
( 931.88) (780.67)
A` mdYmZm| Ho$ Zm_o
- 1,306.70
Ama{jVr _| _m`
- 7,927.41
{Z`mo$m H$m AeXmZ
(10,046.64) (848.12)(1,315.00) (328.20)
VwbZn _| em{_b H$s JB {Zdb Xo`Vm/
(AmpV)
9,320.11 17,079.20 911.03 1,314.94
31 _mM 2012 H$s pW{V Ho$ AZwgma Jo`wQ>r {Z{Y Ama n|eZ {Z{Y H$s `moOZm - AmpV`m| Ho$ AYrZ {H$E
JE {d{ZYmZ {ZZmZwgma h :
n|eZ {Z{Y
Jo`wQ>r {Z{Y
AmpV`m| H$s loUr
`moOZm AmpV`m| H$m % `moOZm AmpV`m| H$m %
H|$ gaH$ma H$s {V^y{V`m
30.34
20.49
am` gaH$ma H$s {V^y{V`m
22.63
22.30
H$manmoaoQ> ~mS>
36.06
32.71
~r_mH$Vm ~Y AYrZ {Z{Y`m
0.00
19.25
A`
10.97
5.25
`moJ
100.00
100.00
_wI ~r_m{H$H$ m$bZ
{ddaU
n|eZ `moOZmE
Jo`wQ>r `moOZmE
~>m Xa
8.75%
8.50% 8.50%
8.50%
`moOZm AmpV na {Vbm^ H$s
`m{eV Xa
8.60%
8.00% 8.60%
8.00%
doVZ ~T>moVar
5.00%
5.00% 5.00%
5.00%
`moOZm _| A{YH$Vm / H$_r
Jo`wQ>r `moOZm
VwbZ - n _| _m` am{e
31-03-2009 31-03-2010 31-03-2011 31-03-2012
H$mo g_mV H$mo g_mV H$mo g_mV H$mo g_mV
df
df
df
df
df Ho$ AV _| Xo`Vm
3,778.18 3,889.14 5,817.19 6,462.82
df Ho$ AV _| `moOZm AmpV`m|
H$m C{MV _y`
3,746.73 3,811.28 4,102.25 5,251.79
AVa
31.45
77.86 1,714.94 1,211.03
A_m` nyd godm bmJV
- 400.00 300.00
A_m` hVmVaU Xo`Vm
VwbZ-n _| _m` am{e
31.45
77.86 1,314.94 911.03
AZw^d g_m`moOZ
`moOZm Xo`Vm (bm^)/hm{Z
(90.81)
(0.40) 879.37 367.64
`moOZm AmpV (hm{Z)/bm^
(1.24)
7.89
1.94
32.58
`moOZm _| A{YH$Vm/H$_r
n|eZ
VwbZ - n _| _m` am{e
31-03-2009 31-03-2010 31-03-2011 31-03-2012
H$mo g_mV H$mo g_mV H$mo g_mV H$mo g_mV
df
df
df
df
df Ho$ AV _| Xo`Vm
19,328.72 21,715.61 33,879.30 36,525.68
df Ho$ AV _| `moOZm AmpV`m|
H$m C{MV _y`
13,710.13 14,714.83 16,800.10 27,205.57
AVa
5,618.59 7,000.78 17,079.20 9,320.11
A_m` nyd godm bmJV
A_m` hVmVaU Xo`Vm
VwbZ-n _| _m` am{e
5,618.59 7,000.78 17,079.20 9,320.11
AZw^d g_m`moOZ
`moOZm Xo`Vm (bm^)/hm{Z
905.07 5,252.37 1,188.70 1,677.80
`moOZm AmpV (hm{Z)/bm^
124.74 233.12 282.65 130.16
C183 K183
Particulars
Pension Plans
Current Previous
Year
Year
Reconciliation of expected return and

actual return on Plan Assets
Expected Return on Plan Assets
1,344.01
Actuarial Gain/ (loss) on Plan Assets
130.16
Actual Return on Plan Assets
1,474.17
Reconciliation of opening and closing
net liability/ (asset) recognised in
Balance Sheet
Opening Net Liability as at 1st April 2011 17,079.20
Expenses as recognised in profit and
loss account
3,219.43
Net Liability on merger/ acquisition
131.09
Paid by Bank Directly
(931.88)
Debited to Other Provision
Recognised in Reserve
Employers Contribution
(10,046.64)
Net liability/(Asset) recognised
in Balance Sheet
9,320.11
Gratuity
Current
Previous
Year
Year
1,215.25
282.65
1,497.90
328.18
32.58
360.76
312.28
1.94
314.22
7,000.78
1,314.94
77.86
2,473.10
780.00
(780.67)
1,306.70
7,927.41
(848.12) (1,315.00)
1,565.28
(328.20)
17,079.20
911.03
1,314.94
Investments under Plan Assets of Gratuity Fund & Pension Fund as on 31st March 2012 are as
follows:
Category of Assets
Central Govt. Securities
State Govt. Securities
Corporate Bonds
Insurer Managed Funds
Others
Total
Pension Fund
% of Plan Assets
Gratuity Fund
% of Plan Assets
30.34
22.63
36.06
0.00
10.97
100.00
20.49
22.30
32.71
19.25
5.25
100.00
Principal actuarial assumptions

Particulars
Discount Rate
Expected Rate of return on
Plan Asset
Salary Escalation
Pension Plans
Current
Previous
Year
Year
Gratuity Plans
Current
Previous
Year
Year
8.75%
8.50%
8.50%
8.50%
8.60%
5.00%
8.00%
5.00%
8.60%
5.00%
8.00%
5.00%
Surplus / Deficit in the Plan

Gratuity Plan
Amount Recognised in
the Balance Sheet
Year ended Year ended Year ended Year ended

31-03-2009 31-03-2010 31-03-2011 31-03-2012
Liability at the end of the year

3,778.18
Fair Value of Plan Assets at
the end of the year
3,746.73
Difference
31.45
Un recognised Transition Liability
Amount Recognised in the Balance Sheet

31.45
Experience adjustment
On Plan Liability (Gain) / Loss
On Plan Asset (Loss) / Gain
(90.81)
(1.24)
3,889.14
5,817.19
6,462.82
3,811.28
77.86
4,102.25
1,714.94
400.00
5,251.79
1,211.03
300.00
77.86
1,314.94
911.03
(0.40)
7.89
879.37
1.94
367.64
32.58
Surplus /Deficit in the Plan

Pension
Amount Recognised in
the Balance Sheet
Year ended Year ended Year ended Year ended

31-03-2009 31-03-2010 31-03-2011 31-03-2012
Liability at the end of the year

19,328.72
Fair Value of Plan Assets at
the end of the year
13,710.13
Difference
5,618.59
Un recognised Transition Liability
Amount Recognised in the Balance Sheet 5,618.59

Experience adjustment
On Plan Liability (Gain)/Loss
On Plan Asset (Loss) / Gain
905.07
124.74
21,715.61 33,879.30
36,525.68
14,714.83 16,800.10
7,000.78 17,079.20
7,000.78 17,079.20
27,205.57
9,320.11
9,320.11
5,252.37
233.12
1,188.70
282.65
1,677.80
130.16
ii.
184
^mdr doVZ ~T>moVar H$m nydmZw_mZ, ~r_m{H$H$ _y`Z H$m {V\$bZ, _wm\$s{V H$m
g_mdoeZ, d[a>Vm, nXmo{V VWm A` g~ KQ>H$m|, `Wm amoOJma-~mOma _| Amny{V
Ama _mJ H$s pW{V Ho$ AmYma na {H$`m J`m h. Bg H$ma Ho$ AZw_mZ ~hV b~r
Ad{Y Ho$ {bE h Ama AVrV Ho$ gr{_V AZw^d/g{H$Q> ^{d` H$s AnojmAm| na
AmYm[aV Zht h. AZw^dO` gm` ^r `hr gHo$V H$aVo h {H$ ~hV b~r Ad{Y Ho$
XmamZ - gVV C doVZ ~T>moVar H$aVo ahZm g^d Zht h, boImnarjH$m| Zo Bgo
drH$ma {H$`m h.
~moS> Ho$ {ZXoeH$m| Zo ^maV gaH$ma Ho$ n {XZm{H$V 25 OZdar 2012 Ho$ AZw_moXZ H$m
AZwgaU H$aVo hE, Eg~rAmB H$_Mmar n|eZ {Z{Y Ho$ {Z`_ 10 H$mo gemo{YV {H$`m
h {Og_| nhbo doVZ Ho$ 10% VH$ gr{_V AeXmZ H$s ~mV H$hr JB Wr, Vm{H$ Cg_|
~r_m{H$H$ _y`mH$Z Ho$ AZwgma {Z{Y _| AeXmZ H$s AZw_{V Xr Om gHo$. H${WV
gemoYZ H$s A{YgyMZm ^maV Ho$ amOn _| {H$`mYrZ h. BgHo$ n[aUm_d$n df
Ho$ XmamZ ~H$ Zo `9,518 H$amoS> H$mo {deof mdYmZ ImVo go Eg~rAmB H$_Mmar n|eZ
{Z{Y `mg H$mo AV[aV {H$`m h.
The estimates of future salary growth, factored in actuarial

valuation, take account of inflation, seniority, promotion and other
relevant factors such as supply and demand in the employment
market. Such estimates are very long term and are not based on
limited past experience / immediate future. Empirical evidence also
suggests that in very long term, consistent high salary growth rates
are not possible, which has been relied upon by the auditors.
The Board of Directors has, pursuant to approval of Government
of India vide letter dated January 25, 2012, amended Rule 10 of
SBI Employees Pension Fund, which earlier restricted contribution
to 10% of salary, to permit contribution to the Fund as per actuarial
valuation. The notification of the said amendment in the Gazette
of India is under process. Consequent thereto, the Bank has
transferred `9,518 crores to the SBI Employees Pension Fund Trust
from the Special Provision Account, during the year.
H$_Mmar ^{d` {Z{Y

^maVr` gZXr boImH$ma gWmZ Ho$ boIm _mZH$ ~moS> mam (df 2005 _| gemo{YV)
boIm _mZH$ - 15 Ho$ H$m`md`Z g~Yr {Xem-{ZX}em| Ho$ AZwgma, ~H$ mam Wm{nV
H$_Mmar ^{d` {Z{Y H$mo {Z`V bm^ `moOZm H$s Vah g_Pm J`m h& ^maVr` Q>oQ>
~H$ ^{d` {Z{Y B nr E\$ A{Y{Z`_ 1952 Ho$ AYrZ Vmo Zht AmVm naVw ^{d`
{Z{Y A{Y{Z`_ 1925 Ho$ AVJV AmVm h, Ohm H$moB `yZV_ `mO Kmo{fV Zht
{H$`m OmVm. Bg{bE Eg ~r AmB ^{d` {Z{Y Ho$ {bE H$moB `mO JmaQ>r `mo` Zht
h& {dV df 2011-12 Ho$ XmamZ `mg Zo 9.26 {VeV dm{fH$ AmYma na bm^
A{OV {H$`m O~{H$ `mg Zo ^{d` {Z{Y Ho$ gX`m| H$mo 8.25 {VeV H$s Xa go
`mO AXm {H$`m h& VXZwgma, df Ho$ AV _| Eogr H$moB H$_r Zht ~Mr Wr {OgHo$ {bE
mdYmZ Zht {H$`m J`m hmo Ama `mg Ho$ nmg A{Yeof ~Mm h {OgH$s ~H$ Ho$ ImVm|
_| AmpV Ho$ $n _| JUZm Zht H$s JB h& VXZwgma, ^{d` {Z{Y Ho$ g~Y _| A`
g~{YV H$Q>rH$aUm| H$m CoI Zht {H$`m J`m h& `531.83 H$amoS> ({nN>bo df
`854.90 H$amoS>) H$s am{e H$mo bm^ Ama hm{Z ImVo _| ""H$_Mm[a`m| Ho$ ^wJVmZ Ama
CZHo$ {bE mdYmZ'' erf Ho$ AVJV em{_b ~H$ H$s ^{d` {Z{Y `moOZm na {H$E
JE `` Ho$ $n _| em{_b {H$`m J`m h.
ii. Employees Provident Fund

In terms of the guidance on implementing AS-15 (Revised 2005)
issued by the Institute of the Chartered Accountants of India, the
Employees Provident Fund set up by the Bank is treated as a defined
benefit plan. State Bank of India Provident Fund is not covered
under the EPF Act 1952 but is covered under the Provident Fund
Act 1925, wherein there is no minimum interest declared, so there
will not be any interest guarantee applicable for SBI PF. During the
FY 2011-12, the Trust has earned annualized yield of 9.26% whereas
the Trust has paid interest to Provident Fund members at 8.25%.
Accordingly, no shortfall remains unprovided for and the Trust is
having a surplus balance, which is not accounted as an asset in the
Banks books. Accordingly, other related disclosures in respect of
Provident Fund have not been made and an amount of `531.83
Crores (Previous Year `854.90 Crores) is recognised as an expense
towards the Provident Fund scheme of the Bank included under
the head Payments to and provisions for employees in Profit and
Loss Account.
iii. {Z`V AeXmZ
~H$ Zo 1 AJV 2010 H$mo `m CgHo$ ~mX ~H$ _| H$m` JhU H$aZodmbo g^r A{YH$m[a`m|/
H$_Mm[a`m| Ho$ {bE ZB {Z`V AeXmZ n|eZ `moOZm H$m`mpdV H$s h& Bg `moOZm H$m
~Y EZnrEg `mg mam noeZ {Z{Y {d{Z`m_H$ Ed {dH$mg m{YH$maU Ho$ XoIaoI
_| {H$`m OmEJm & `moOZm Ho$ Vma-VarH$m| H$mo A{V_ $n XoZo Ama AeXmVmAm| H$m
nOrH$aU Ho$r` [aH$mS> aIaImd EOogr _| hmoZo VH$, ~H$ Ho$ `52.47 H$amoS>
({nN>bm df - `11.75 H$amoS>) Ho$ AeXmZ H$mo ~H$ _| O_m Ho$ $n _| aIm J`m h
Ama Bgna ^{d` {Z{Y Ho$ Mmby ImVm| na bmJy Xa go `mO A{OV hmoVm h.
iv. A` XrKmd{Y H$_Mmar {hVbm^
`531.33 H$amoS> ({nN>bo df `775.74 H$amoS> ) H$s am{e H$m mdYmZ XrKmd{Y
H$_Mmar {hVbm^m| Ho$ {bE {H$`m J`m h Ama Bgo bm^ Ama hm{Z ImVo _| ""H$_Mm[a`m|
H$mo ^wJVmZ Ama CZHo$ {bE mdYmZ'' erf Ho$ AVJV em{_b {H$`m J`m h.
df Ho$ XmamZ {d{^ XrKmd{Y H$_Mmar-{hVbm^ `moOZm Ho$ {bE {H$E JE mdYmZm|
H$m {ddaU :
(` H$amoS> _|)
H$_ XrKmd{Y H$_Mmar {hVbm^
Mmby {nN>bm
g.
df
df
1 A{OV AdH$me (ZH$XrH$aU) godm{Zd{m Ho$ g_`
AdH$me ZH$XrH$aU ^r Bg_| em{_b h
375.33 581.80
2 AdH$me `mm Ama Jh `mm [a`m`V
(ZH$XrH$aU/Cn`moJ)
44.33 41.96
3 AdWVm AdH$me
74.77 70.09
4 aOV O`Vr AdmS>
5.01 35.03
5 A{Yd{fVm na nwZdmg ``
11.70 (8.74)
6 AmH$p_H$ AdH$me
14.94 11.20
7 godm{Zd{m AdmS>
5.25 44.40
`moJ
531.33 775.74
C184 K184
iii. Defined Contributions

The Bank has implemented a Defined Contribution Pension Scheme
(DCPS) applicable to all categories of officers and employees joining
the Bank on or after 1st August 2010. The scheme will be managed
by NPS trust under the aegis of the Pension Fund Regulatory and
Development Authority. Pending the finalisation of the modalities
of the scheme and registration of the subscribers with the Central
Record Keeping Agency, the contributions of the Bank of `52.47
crores (Previous Year `11.75 crores) has been retained as a deposit
with the Bank and earns interest at the same rate as that of the
current account of Provident Fund.
iv. Other Long term Employee Benefits
Amount of `531.33 Crores (Previous Year `775.74 Crores) is
provided towards Long Term Employee Benefits and is included
under the head Payments to and Provisions for Employees in
Profit and Loss Account.
Details of Provisions made for various Long Term Employee Benefits
during the year:
(` in crores)
Sr. Long Term Employee Benefits
Current Prevous
No.
Year
Year
1
2
3
4
5
6
7
Privilege Leave (Encashment) incl. leave

encashment at the time of retirement
Leave Travel and Home Travel Concession
(Encashment/Availment)
Sick Leave
Silver Jubilee Award
Resettlement Expenses on Superannuation
Casual Leave
Retirement Award
Total
375.33
581.80
44.33
74.77
5.01
11.70
14.94
5.25
41.96
70.09
35.03
(8.74)
11.20
44.40
531.33
775.74
185
b) Segment Reporting:
I) IS> gyMZm
1. IS> A{^{ZYmaU
I.
1. Segment Identification
I.
mW{_H$ (`dgm` IS>)
Primary (Business Segment)

The following are the primary segments of the Bank:-
{ZZ{bpIV ~H$ Ho$ mW{_H$ IS> h :-
Treasury
H$mof
Corporate / Wholesale Banking
H$manmoaoQ>/WmoH$ ~qH$J
Retail Banking
IwXam ~qH$J
Other Banking Business
A` ~qH$J `dgm`
~H$ H$s dV_mZ boIm-{ZYmaU Ama gyMZm Umbr _| Cnamo$ IS>m| go g~

AmH$S>m gJhU Ama m{V H$s nWH$ `dWm Zht h. VWm{n, [anmoQ> H$aZo
H$s dV_mZ AmV[aH$, gJR>Zm_H$ Ama ~YH$s` gaMZm, Cg_| g{{hV
OmopI_ Ama {Vbm^ Ho$ AmYma na _yb-IS>m| H$mo {ZZdV n[aH${bV
{H$`m J`m h :
The present accounting and information system of the Bank

does not support capturing and extraction of the data in
respect of the above segments separately. However, based on
the present internal, organisational and management
reporting structure and the nature of their risk and returns,
the data on the primary segments have been computed as
under:
i.
i.
Treasury - The Treasury Segment includes the entire

investment portfolio and trading in foreign exchange
contracts and derivative contracts. The revenue of the
treasury segment primarily consists of fees and gains or
losses from trading operations and interest income on the
investment portfolio.
ii.
Corporate/Wholesale Banking - The Corporate/

Wholesale Banking segment comprises the lending
activities of Corporate Accounts Group, Mid Corporate
Accounts Group and Stressed Assets Management Group.
These include providing loans and transaction services to
corporate and institutional clients and further include
non-treasury operations of foreign offices.
H$mof - H$mof IS> _| g_V {d{ZYmZ nmoQ>\$mo{b`mo Ama {dXoer {d{Z_`

Ama So>ardo{Q>g g{dXmE em{_b h. H$mof IS> H$s Am` _ybV: `mnman[aMmbZm| Ho$ ewH$ Ama Bggo hmoZo dmbo bm^/hm{Z VWm {d{ZYmZ
nmoQ>\$mo{b`mo H$s `mO-Am` na AmYm[aV h.
ii.
H$manmoaoQ>/WmoH$ ~qH$J - H$manmoaoQ>/WmoH$ ~qH$J IS> Ho$ AVJV

H$manmoaoQ> boIm g_yh, _` H$manmoaoQ> boIm g_yh Ama VZmdJV AmpV
~YZ g_yh H$s F$U - J{V{d{Y`m gp_{bV h. BZHo$ mam H$manmoaoQ>
Ama gWmJV JmhH$m| H$mo F$U Ama boZXoZ godmE XmZ H$s OmVr h.
BZHo$ AVJV {dXoe pWV H$m`mb`m| Ho$ Ja-H$mof n[aMmbZ ^r
em{_b h.
iii. IwXam ~qH$J - IwXam ~qH$J IS> Ho$ AVJV am>r` ~qH$J g_yh H$s
emImE AmVr h. BZ emImAm| Ho$ H$m`H$bmn _| am>r` ~qH$J g_yh go
g~ H$manmoaoQ> JmhH$m| H$mo F$U CnbY H$amZo g{hV - d`{$H$
~qH$J J{V{d{Y`m em{_b h. EO|gr `dgm` Ama EQ>rE_ ^r Bgr
g_yh _| AmVo h.
iv. A` ~qH$J `dgm` - Omo IS> Cn`wV (i) go (iii) Ho$ AVJV
dJuH$V Zht hE h Ch| Bg mW{_H$ IS> Ho$ AVJV dJuH$V {H$`m

J`m h
II.
Xoer n[aMmbZ - ^maV _| n[aMm{bV emImE/H$m`mb`
ii) {dXoer n[aMmbZ - ^maV go ~mha n[aMm{bV emImE/H$m`mb` VWm
^maV _| n[aMm{bV g_wnmar` ~qH$J BH$mB`m
IV.
iv. Other Banking business Segments not classified under

(i) to (iii) above are classified under this primary segment.
{Vr`H$ (^mJmo{bH$ IS>)

i)
III.
iii. Retail Banking - The Retail Banking Segment comprises

of branches in National Banking Group, which primarily
includes Personal Banking activities including lending
activities to corporate customers having banking relations
with branches in the National Banking Group. This
segment also includes agency business and ATMs.
AVa-IS>r` AVaUm| H$m _y`-{ZYmaU
II. Secondary (Geographical Segment)

i) Domestic Operations - Branches/Offices having
operations in India
ii) Foreign Operations - Branches/Offices having operations
outside India and offshore Banking units having
operations in India
IwXam ~qH$J IS> ggmYZ-gJhU H$s mW{_H$ BH$mB h. H$manmoaoQ>/WmoH$

~qH$J Ed H$mof IS> IwXam ~qH$J IS> go {Z{Y`m m H$aVo h. ~mOma go
g~ {Z{Y AVaU _y`-{ZYmaU (E_AmaE\$Q>rnr) ew$ {H$`m J`m h,
{OgHo$ AYrZ {ZYr`Z Ho$ (\$qS>J g|Q>a) Zm_H$ EH$ nWH$ BH$mB g{OV
H$s JB h. {ZYr`Z Ho$ (\$qS>J g|Q>a) CZ {Z{Y`m| H$mo AmZw_m{ZH$ $n go
IarXVm h, Omo `dgm` BH$mB`m O_mam{e`m| `m CYmaam{e`m| Ho$ $n _|
OwQ>mVr h Ama AmpV gOZ H$aZo _| bJr `dgm` BH$mB`m| H$mo BZ {Z{Y`m|
H$m AmZw_m{ZH$ {dH$` H$aVm h.
III. Pricing of Inter-segmental Transfers

The Retail Banking segment is the primary resource mobilising
unit. The Corporate/Wholesale Banking and Treasury
segments are recipient of funds from Retail Banking. Market
related Funds Transfer Pricing (MRFTP) is followed under which
a separate unit called Funding Centre has been created. The
Funding Centre notionally buys funds that the business units
raise in the form of deposits or borrowings and notionally sell
funds to business units engaged in creating assets.
``, AmpV`m| Ama Xo`VmAm| H$m Am~Q>Z

H$manmoaoQ> H|$ H$s gWmnZmAm| _| {H$E JE `` Omo grYo H$manmoaoQ>/WmoH$
~qH$J Ed IwXam ~qH$J n[aMmbZm| AWdm H$mofr` n[aMmbZ IS> go g~{YV
h, VXZwgma Am~{Q>V {H$E JE h. grYo g~Y Z aIZo dmbo `` òH$ IS>
Ho$ H$_Mm[a`m| H$s g`m/grYo g~Y aIZo dmbo `` Ho$ AZwnmV Ho$ AmYma
na Am~{Q>V {H$E JE h.
~H$ Ho$ nmg Eogr gm_m` AmpV`m Ama Xo`VmE h {Oh| {H$gr IS> Ho$
AVJV em{_b Zht {H$`m Om gH$Vm, AV: Bh| AZm~{Q>V loUr _| aIm
J`m h.
IV. Allocation of Expenses, Assets and Liabilities

Expenses incurred at Corporate Centre establishments directly
attributable either to Corporate / Wholesale and Retail Banking
Operations or to Treasury Operations segment, are allocated
accordingly. Expenses not directly attributable are allocated
on the basis of the ratio of number of employees in each
segment/ratio of directly attributable expenses.
The Bank has certain common assets and liabilities, which
cannot be attributed to any segment, and the same are treated
as unallocated.
C185 K185

2.
186
IS> gyMZm/Segment Information

^mJ H$ : mW{_H$ (`dgm` IS>)/Part A: Primary (Business Segments)
_| / ` In crores
`moJ
` H$amoS>
`dgm` IS>
Business Segment
amOd
Revenue #
H$mof
H$manmoaoQ>/WmoH$ ~qH$J
IwXam ~qH$J
A` ~qH$J n[aMmbZ
Treasury
Corporate / Wholesale
Banking
Retail Banking
Other Banking
Operations
23,874.88
(21,665.06)
42,773.40
(32,935.11)
54,091.69
(42,062.69)
Total
120,739.97
(96,662.86)
132.93
(556.10)
AZm~{Q>V amOd
Unallocated Revenue #
Hw$b amOd
120,872.90
Total Revenue
(97,218.96)
n[aUm_
Result #
217.24
6,106.12
15,619.23
21,942.59
((-)945.27)
(5,496.53)
(12,679.45)
(17,230.71)
(-)3,459.28
((-)2,276.48)
AZm~{Q>V Am` (+)/`` (-) -{Zdb

Unallocated Income(+)/
Expenses (-) - net #
n[aMmbZ bm^
18,483.31
Operating Profit #
(14,954.23)
6776.02
H$a
Tax #
(6,689.71)
AgmYmaU bm^
Extraordinary Profit #
11,707.29
(8,264.52)
{Zdb bm^
Net Profit #
A` gyMZm :
Other Information:
IS> AmpV`m*
3,35,016.51
3,94,421.91
5,95,182.88
13,24,621.30
Segment Assets*
(3,10,524.60)
(3,81,320.36)
(5,22,699.76)
(12,14,544.72)
AZm~{Q>V AmpV`m*
10,897.93
Unallocated Assets*
(9,191.48)
13,35,519.23
(12,23,736.20)
Hw$b AmpV`m*
Total Assets*
IS> Xo`VmE*
Segment Liabilities*
1,96,222.07
(1,62,149.37)
3,81,202.21
(3,67,495.28)
6,28,479.02
(5,85,015.30)
12,05,903.20
(11,14,659.95)
45,664.72
AZm~{Q>V Xo`VmE*
Unallocated Liabilities*
(44,090.21)
12,51,568.02
Hw$b Xo`VmE *
Total Liabilities*
(11,58,750.16)
( H$moR>H$m| _| {XE JE AmH$S>o {nN>bo df Ho$ h)/(Figures in brackets are for previous year)
^mJ I : {Vr`H$ (^mJmo{bH$ IS>)

Part B: Secondary (Geographic Segments)
` H$amoS>
Xoer
{dXoer
Domestic
_| / ` In crores
`moJ
Foreign
Total
Mmby df
{nN>bm df
Mmby df
{nN>bm df
Mmby df
{nN>bm df
Current Year
Previous Year
Current Year
Previous Year
Current Year
Previous Year
1,14,080.91
91,086.38
6,659.06
5,576.48
120,739.97
96,662.86
19,064.85
15,250.86
2,877.74
1,979.84
21,942.59
17,230.71
11,55,176.43
10,82,387.23
1,80,342.80
1,41,348.97
13,35,519.23
12,23,736.20
10,71,225.22
10,17,401.19
1,80,342.80
1,41,348.97
12,51,568.02
11,58,750.16
Am`
Revenue #
n[aUm_
Result#
AmpV`m *
Assets *
Xo`VmE *
Liabilities*
#
31 _mM 2012 H$mo g_mV df Ho$ {bE

31 _mM 2012 H$s pW{V Ho$ AZwgma
#
*
For the year ended 31st March 2012

As at 31st March 2012
C186 K186
187
df Ho$ XmamZ ~H$ Zo IS>r` AVaU _y`Z `dWm H$mo Ama ~ohVa ~Zm`m h Vm{H$ Ama A{YH$
gJV IS>r` n[aUm_ XemE Om gH|$& `h n[adVZ IS>r` n[aUm_m| H$mo Vmo nana ^m{dV H$aVm
h naVw BgH$m ~H$ H$s {dmr` pW{V na H$moB ^md Zht hmoVm& IS>r` n[aUm_m| na Bg n[adVZ
Ho$ ^mdm| H$m n`mV {ZYmaU Zht hmo nm`m h&
J) g~{YV nj H$Q>rH$aU
1. g~{YV nj
H$. AZwf{J`m
i. Xoer ~qH$J AZwf{J`m
1. Q>oQ> ~H$ Am\$ ~rH$mZoa ES>> O`nwa
2. Q>oQ> ~H$ Am\$ hXam~mX
3. Q>oQ> ~H$ Am\$ _gya
4. Q>oQ> ~H$ Am\$ n{Q>`mbm
5. Q>oQ> ~H$ Am\$ mdUH$moa
6. Eg~rAmB H$m_{e`b ES> BQ>aZoeZb ~H$ {b. (28.07.2011 VH$)
ii.
{dXoer ~qH$J AZwf{J`m

1. Eg~rAmB (_mareg) {b.
2. Q>oQ> ~H$ Am\$ B{S>`m (H$ZmS>m)
3. Q>oQ> ~H$ Am\$ B{S>`m (H${b\$mo{Z`m)
4. H$m_{e`b ~H$ Am\$ B{S>`m EbEbgr, _mH$mo
5. nrQ>r ~H$ Eg~rAmB BS>moZo{e`m
6. Zonmb Eg~rAmB ~H$ {b.
During the year, the Bank has further refined the segmental transfer pricing
mechanism in order to report more relevant segment results. This change
effects the segment results inter se and has no impact on the financials of
the bank. The effect of the change on the segment results is not
fairly determined.
c)
Related Party Disclosures:

1.
Related Parties
A. SUBSIDIARIES
i.
DOMESTIC BANKING SUBSIDIARIES

1.
State Bank of Bikaner & Jaipur
2.
State Bank of Hyderabad
3.
State Bank of Mysore
4.
State Bank of Patiala
5.
State Bank of Travancore
6.
SBI Commercial and International Bank Ltd.

(up to 28.07.2011).
ii. FOREIGN BANKING SUBSIDIARIES

1.
SBI (Mauritius) Ltd.
2.
State Bank of India (Canada)
3.
State Bank of India (California)
4.
Commercial Bank of India LLC, Moscow
5.
PT Bank SBI Indonesia
6.
Nepal SBI Bank Ltd.
iii. Xoer Ja-~qH$J AZwf{J`m
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
Eg~rAmB H${nQ>b _mH}$Qg {b{_Q>oS>

Eg~rAmB S>rE\$EMAmB {b{_Q>oS>
Eg~rAmB `yMwAb \$S> Q>Q>r H$nZr m. {b.
Eg~rAmB H$n {g`w[aQ>rO {b.
Eg~rAmB H$g dMg {b.
Eg~rAmB H$n Q>Q>rO H$. {b.
Eg~rAmB H$mSg ES> no_|Qg g{dgoO m. {b.
Eg~rAmB \$Sg _ZoO_|Q> m. {b.
Eg~rAmB bmB\$ B`moa|g H$nZr {b.
Eg~rAmB n|eZ \$S> mBdoQ> {b.
Eg~rAmB - EgOr bmo~b {g`w[aQ>rO g{dgoO m.{b.
Eg~rAmB bmo~b \$Q>g {b.
Eg~rAmB OZab B`moa|g H$nZr {b.
Eg~rAmB no_|Q> g{dgoO m {b.
iii. DOMESTIC NON-BANKING SUBSIDIARIES

1.
SBI Capital Markets Ltd.
2.
SBI DFHI Ltd.
3.
SBI Mutual Funds Trustee Company Pvt. Ltd.
4.
SBI CAP Securities Ltd.
5.
SBI CAPS Ventures Ltd.
6.
SBI CAP Trustees Company Ltd.
7.
SBI Cards and Payment Services Pvt. Ltd.
8.
SBI Funds Management Pvt. Ltd.
9.
SBI Life Insurance Company Ltd.
10. SBI Pension Funds Pvt. Ltd.

11. SBI SG Global Securities Services Pvt. Ltd.
12. SBI Global Factors Ltd.
13. SBI General Insurance Company Ltd
14. SBI Payment Services Pvt. Ltd.
iv. FOREIGN NON-BANKING SUBSIDIARIES
iv. {dXoer Ja-~qH$J AZwf{J`m
1. Eg~rAmB H$n (`yHo$) {b.

2. Eg~rAmB \$Sg _ZoO_|Q> (BQ>aZoeZb) mBdoQ> {b.
3. Eg~rAmBH$n (qgJmnwa) {b.
1.
SBICAP (UK) Ltd.
2.
SBI Funds Management (International) Pvt. Ltd.
3.
SBICAP (Singapore) Ltd.
B. JOINTLY CONTROLLED ENTITIES
I. g`wV $n go {Z`{V H$n{Z`m

1. Or B H${nQ>b {~OZog mogog _ZoO_|Q> g{dgoO m. {b
2. gr-EO Q>oH$ZmobmOrO {b.
3. _H$doar Eg~rAmB B\$mQ>Ma _ZoO_|Q> m. {b.
4. _H$doar Eg~rAmB B\$mQ>Ma Q>Q>rO {b.
5. Eg~rAmB _H$doar B\$mQ>Ma _ZoO_|Q> m. {b.
6. Eg~rAmB _H$doar B\$mQ>Ma Q>Q>rO m. {b.
C187 K187
1.
GE Capital Business Process Management Services

Pvt. Ltd.
2.
C-Edge Technologies Ltd.
3.
Macquarie SBI Infrastructure Management Pte. Ltd.
4.
Macquarie SBI Infrastructure Trustees Ltd.
5.
SBI Macquarie Infrastructure Management Pvt. Ltd.
6.
SBI Macquarie Infrastructure Trustees Pvt. Ltd.
188
7. Amo_mZ B{S>`m dmBQ> BdoQ>_|Q> \$S>- _ZO_|Q> H$nZr m.{b.

8. Amo_mZ B{S>`m dmBQ> BdoQ>_|Q> \$S>-Q>Q>r H$nZr m.{b.
J. gh`moJr
i. jor` Jm_rU ~H$
1. AmY Xoe Jm_rU {dH$mg ~H$
2. AUmMb Xoe $ab ~H$
3. H$mdoar H$nV Jm_rU ~H$
4. N>mrgJT> Jm_rU ~H$
5. So>$Z Jm_rU ~H$
6. BbmH$mB XohmVr ~H$
7. _oKmb` $ab ~H$ (nydZm_ - H$m ~H$ ZmZ{H$ZS>mJ ar Imgr OZ{Q>`m)
8. H$Um Jm_rU ~H$
9. bJnr XohmJr $ab ~H$
10. _` ^maV Jm_rU ~H$
11. _mbdm Jm_rU ~H$
12. _madmS> JJmZJa ~rH$mZoa Jm_rU ~H$
13. {_Omoa_ $ab ~H$
14. ZmJmbS> $ab ~H$
15. ndVr` Jm_rU ~H$
16. nydmMb jor` Jm_rU ~H$
17. g_Vrnwa jor` Jm_rU ~H$
18. gmam> Jm_rU ~H$
19. CH$b Jm` ~H$
20. CmamMb Jm_rU ~H$
21. dZmMb Jm_rU ~H$
22. {d{Xem ^monmb jor` Jm_rU ~H$
ii.
7.
Oman India Joint Investment Fund Management

Company Pvt. Ltd.
8.
Oman India Joint Investment Fund Trustee Company

Pvt. Ltd.
C.
ASSOCIATES
i.
Regional Rural Banks

1.
Andhra Pradesh Grameena Vikas Bank
2.
Arunachal Pradesh Rural Bank
3.
Cauvery Kalpatharu Grameena Bank
4.
Chhattisgarh Gramin Bank
5.
Deccan Grameena Bank
6.
Ellaquai Dehati Bank
7.
Meghalaya Rural Bank (Formerly known as Ka Bank

Nongkyndong Ri Khasi Jaintia)
8.
Krishna Grameena Bank
9.
Langpi Dehangi Rural Bank
10. Madhya Bharat Gramin Bank

11. Malwa Gramin Bank
12. Marwar Ganganagar Bikaner Gramin Bank
13. Mizoram Rural Bank
14. Nagaland Rural Bank
15. Parvatiya Gramin Bank
16. Purvanchal Kshetriya Gramin Bank
17. Samastipur Kshetriya Gramin Bank
18. Saurashtra Gramin Bank
19. Utkal Gramya Bank
20. Uttaranchal Gramin Bank
21. Vananchal Gramin Bank
22. Vidisha Bhopal Kshetriya Gramin Bank
ii. Others
A`
1. Eg~rAmB hmo_ \$mBZ|g {b{_Q>oS>
2. pb`[aJ H$manmoaoeZ Am\$ B{S>`m {b.
3. ~H$ Am\$ ^yQ>mZ {b.
1.
SBI Home Finance Ltd.
2.
The Clearing Corporation of India Ltd.
3.
Bank of Bhutan Ltd.
D. Key Management Personnel of the Bank
K. ~H$ Ho$ _wI ~YZ H$m{_H$

1. lr Vrn MmYar, A`j (07.04.2011 go)
2. lr Ama. lrYaZ, ~Y {ZXoeH$ Ed g_yh H$m`nmbH$ (E ES> Eg)
(30.06.2011 VH$)
3. lr ho_V Or. H$mQ>oQ>a, ~Y {ZXoeH$ Ed g_yh H$m`nmbH$ (AmB. ~r.)
(07.04.2011 go)
4. lr {XdmH$a JwVm ~Y {ZXoeH$ Ed _w` {dm A{YH$mar
(07.04.2011 go)
5. lr E H$UHw$_ma, ~Y {ZXoeH$ Ed g_yh H$m`nmbH$ (EZ.~r.)
(07.04.2011 go)
6. lr Amo nr ^>, A`j (31.03.2011 VH$)
7. lr Eg Ho$ ^>mMm`, ~Y {ZXoeH$ (31.10.2010 VH$)
2. df Ho$ XmamZ {OZ njm| go boZXoZ {H$E JE
boIm _mZH$ (EEg) 18 Ho$ AZwN>oX 9 Ho$ AZwgma, ""gaH$ma - {Z`{V C_'' hmoZo
Ho$ H$maU g~{YV njm| Ho$ g~Y _| H$moB H$Q>rH$aU Ano{jV Zht h& BgHo$ A{V[a$,
boIm _mZH$ 18 Ho$ AZwN>oX 5 Ho$ AZwgma, _wI ~YZ H$m{_H$ VWm _wI ~YZ
H$m{_H$m| Ho$ g~{Y`m| g{hV ~H$a-JmhH$ g~Y H$s H${V dmbo boZXoZm| H$m H$Q>rH$aU
Zht {H$`m J`m h.
C188 K188
1.
Shri Pratip Chaudhuri, Chairman (from 07.04.2011)
2.
Shri R. Sridharan, Managing Director & Group Executive

(A& S) (up to 30.06.2011)
3.
Shri Hemant G. Contractor Managing Director & Group

Executive (International Banking) (from 07.04.2011)
4.
Shri Diwakar Gupta, Managing Director & Chief Financial

Officer (from 07.04.2011)
5.
Shri A. Krishna Kumar, Managing Director & Group

Executive (National Banking) (from 07.04.2011)
6.
Shri O. P. Bhatt, Chairman (up to 31.03.2011)
7.
Shri S. K. Bhattacharyya, Managing Director (up to

31.10.2010)
2. Parties with whom transactions were entered into during the

year
No disclosure is required in respect of related parties, which are
State-controlled Enterprises as per paragraph 9 of Accounting
Standard (AS) 18. Further, in terms of paragraph 5 of AS 18,
transactions in the nature of Banker-Customer relationship have
not been disclosed including those with Key Management
Personnel and relatives of Key Management Personnel.
189
` H$amoS> _|
` In crores
3. boZXoZ Ama eof am{e`m :

3. Transactions and Balances :
{ddaU
Particulars
gh`moJr/ g`w$ C_
_wI ~YZ H$m{_H$

Ed CZHo$ g~Yr
`moJ
Associates/
Joint Ventures
Key Management
Personnel & their relatives
Total
0.04
(-)
(-)
0.04
(-)
1.29
(-)
(-)
1.29
(-)
(2.80)
(-)
(2.80)
(-)
(-)
(-)
(-)
(-)
(-)
(-)
0.68
(0.60)
0.68
(0.60)
127.66
(51.95)
(0.04)
127.66
(51.99)
(-)
(-)
(-)
df 2011-12 Ho$ XmamZ boZXoZ

Transactions during the year 2011-12
m `mO*
Interest received
gXm `mO*
Interest paid
bm^me Ho$ $n _| A{OV Am`*

Income earned by way of dividend
A` Am`*
Other Income
A` ``*
Other expenditure
~YZ g{dXmE*
Management contracts
31 _mM 2012 H$mo ~H$m`m

Outstanding as on 31st March 2012
Xo` am{e`m
Payables
m{V`m
Receivables
H$mo>H$m| _| {XE JE AmH$S>o {nN>bo df Ho$ h/Figures in brackets are for Previous Year.
Bg df Ho$ XmamZ g~{YV nmQ>u Ho$ H$moB _hdnyU boZXoZ Zht h&/There are no materially significant related party transactions during the year.
d)
K) n[aMmbZ n>o*
n[aMmbZ brO na {bE JE n[aga H$m `moam ZrMo {X`m J`m h:
{ddaU
31 _mM 2012
H$s pW{V
Ho$ AZwgma
` In crores
` H$amoS> _|
31 _mM 2011
H$s pW{V
Ho$ AZwgma
1 df Ho$ nmV Zht

64.32
40.43
1 df Ho$ nmV Ama 5 dfm] Ho$ nmV Zht
229.21
92.47
5 dfm] Ho$ nmV
66.42
25.21
`moJ
359.95
158.11
df Ho$ bm^ Ama hm{Z ImVo _| em{_b n>m ^wJVmZ H$s am{e
60.61
42.68
n[aMmbZ n>m| _| nhbo H$m`mb` n[aga VWm Q>m\$ Amdmg em{_b h. {OZH$m ~H$ Ho$
{dH$nmZwgma ZdrH$aU {H$`m Om gH$Vm h.
* Ho$db {ZaV Z hmoZo dmbo nQ>Q>m| Ho$ g~Y _|
L>) {V eoà CnmOZ :
~H$ Zo boIm _mZH$ 20, ""{V eoà CnmOZ'' Ho$ AZwgma òH$ B{$Q>r eoà na _yb Ama H$_
H$s JB Am` H$s gyMZm Xr h. df Ho$ XmamZ, H$a Ho$ nmV {Zdb bm^ H$mo ~H$m`m B{$Q>r eoàm|
H$s ^m[aV AmgV g`m go ^mJ XoH$a {V eoà ""_yb Am`'' H$s JUZm H$s JB h.
{ddaU
Mmby df
{nN>bm df
_yb Ama H$_ {H$E JE
df Ho$ Ama^ _| ~H$m`m B{dQ>r eoàm| H$s g`m
63,49,98,991
63,48,82,644
df Ho$ XmamZ Omar B{dQ>r eoàm| H$s g`m
360,45,847
1,16,347
df Ho$ AV VH$ ~H$m`m B{dQ>r eoàm| H$s g`m
67,10,44,838
63,49,98,991
{V eoà _yb Am` H$s JUZm Ho$ {bE `wV ^m[aV
AmgV B{dQ>r eoàm| H$s g`m
63,51,96,258
63,49,52,049
{V eoà H$_ H$s JB Am` H$s JUZm Ho$ {bE `wV
^m[aV AmgV eoàm| H$s g`m
63,51,96,258
63,49,52,049
{Zdb bm^ (` H$amoS> _|)
11,707.29
8,264.52
184.31
130.16
{V eoà _yb Am` (`)
{V eoà H$_ H$s JB Am` (`)
184.31
130.16
{V eoà Zm__m _y` (`)
10
10
C189 K189
Operating Leases*
Premises taken on operating lease are given below:
Particulars
As at
31 Mar 2012
64.32
229.21
66.42
359.95
As at
31 Mar 2011
40.43
92.47
25.21
158.11
Not later than 1 year

Later than 1 year and not later than 5 years
Later than 5 years
Total
Amount of lease payments recognised in
the P&L Account for the year.
60.61
42.68
Operating leases primarily comprise office premises and staff residences, which are
renewable at the option of the Bank.
* In respect of Non-Cancellable leases only.
e)
Earnings per Share

The Bank reports basic and diluted earnings per equity share in accordance with
Accounting Standard 20 - Earnings per Share. Basic earnings per share is computed
by dividing net profit after tax by the weighted average number of equity shares
outstanding during the year.
Particulars
Basic and diluted
Number of Equity Shares outstanding at
the beginning of the year
Number of Equity Shares issued during the year
Number of Equity Shares outstanding at
the end of the year
Weighted average number of equity shares
used in computing basic earnings per share
Weighted average number of shares used
in computing diluted earnings per share
Net profit (` In crores )
Basic earnings per share (`)
Diluted earnings per share (`)
Nominal value per share (`)
Current Year
Previous Year
63,49,98,991
360,45,847
63,48,82,644
1,16,347
67,10,44,838
63,49,98,991
63,51,96,258
63,49,52,049
63,51,96,258
11,707.29
184.31
184.31
10
63,49,52,049
8,264.52
130.16
130.16
10
190
M) Am` na H$am| H$m boImH$Z

i. df Ho$ XmamZ, AmW{JV H$a g_m`moOZ Ho$ mam bm^ Ama hm{Z ImVo _| `455.93 H$amoS>
({nN>bo df `976.82 H$amoS> O_m {H$`m J`m) Zm_o {H$`m J`m.
ii. ~H$ H$s ~H$m`m {Zdb AmW{JV H$a AmpV `180.63 H$amoS> ({nN>bo df `1167.28
H$amoS>) h, {Ogo A` AmpV`m| Ho$ AVJV aIm J`m h. _wI _Xm| _| AmW{JV H$a
AmpV`m| (S>rQ>rE)Ama Xo`VmAm| H$m AbJ-AbJ {ddaU {ZZdV h :
{ddaU
31 _mM 2012
31 _mM 2011
H$s pW{V
H$s pW{V
Ho$ AZwgma
Ho$ AZwgma
AmW{JV H$a AmpV`m
doVZ gemoYZ Ho$ {bE mdYmZ
{ZaH$
307.90
XrKmd{Y H$_Mmar {hVbm^ Ho$ {bE mdYmZ
1,873.60
1,636.10
EpOQ> {dH$n Ho$ {bE Xm AZwJh am{e
{ZaH$
9.41
A`
16.29
35.77
{dXoer H$m`mb`m| H$s {Zdb AmW{JV H$a
AmpV`m (S>rQ>rE)
180.95
135.71
`moJ
2,070.84
2,124.89
AmW{JV H$a Xo`VmE
AMb AmpV`m| na _y`mg
8.16
21.53
{V^y{V`m| na `mO
1,882.05*
936.08
`moJ
1,890.21
957.61
{Zdb AmW{JV H$a AmpV`m / (Xo`VmE)
180.63
1,167.28
*Am`H$a ImVo go AV[aV `536.56 H$amoS> em{_b h.
N>) g`w$ $n go {Z`{V H$n{Z`m| _| {d{ZYmZ
g`w$ $n go {Z`{V {ZZ{bpIV H$n{Z`m| Ho$ {d{ZYmZm| _| `39.50 H$amoS> ({nN>bo df
`38.96 H$amoS>) H$m ~H$ H$m {hgm em{_b h :
H$_ H$nZr H$m Zm_
am{e
_w`mb` Ym[aVm %
g.
` H$amoS> _|
1
Or B H${nQ>b {~OZog mogog
10.80
^maV
40%
_ZoO_|Q> g{dgoO m.{b.
(10.80)
2
gr-EO Q>oZmobmOrO {b.
4.90
^maV
49%
(4.90)
3
_H$doar Eg~rAmB B\$mQ>Ma
2.25
qgJmnwa
45%
_ZoO_|Q> m. {b.
(2.25)
4
Eg~rAmB _H$doar B\$mQ>Ma
18.57
^maV
45%
_ZoO_|Q> m. {b.
(18.57)
5
Eg~rAmB _H$doar B\$mQ>Ma
0.03
^maV
45%
Q>Q>rO m. {b.
(0.03)
6
_H$doar Eg~rAmB B\$mQ>Ma
0.64
~a_wS>m
45%
Q>Q>rO {b.#
(0.10)
7
Amo_mZ B{S>`m dmBQ> BdoQ>_|Q> \$S>2.30
^maV
50%
_ZO_|Q> H$nZr m. {b.
(2.30)
8
Amo_mZ B{S>`m dmBQ> BdoQ>_|Q> \$S>0.01
^maV
50%
Q>Q>r H$nZr m. {b
(0.01)
# Eg~rAmB _H$doar B\$m _ZoO_|Q> m. {b. Ho$ _m`_ go A`j Ym[aVm Ho$ {bE H$nZr Zo
100% mdYmZ {H$`m.
H$mo>H$m| _| {XE JE AmH$S>o {nN>bo df Ho$ h
boIm _mZH$ 27 H$s Anojm Ho$ AZwgma, g`wV$ $n go {Z`{V H$n{Z`m| _| ~H$ Ho$ {hgo go
g~{YV AmpV`m|, Xo`VmAm|, Am`, ``, AmH$p_H$ Xo`VmAm| Ama dm`Xm| H$s Hw$b am{e
{ZZmZwgma H$Q> H$s JB h:
` H$amoS> _|
{ddaU
31 _mM 2012
31 _mM 2011
H$s pW{V
H$s pW{V
Ho$ AZwgma
Ho$ AZwgma
Xo`VmE
nyOr Ama Ama{j{V`m
O_mam{e`m
CYma-am{e`m
A` Xo`VmE Ed mdYmZ
`moJ
f)
Accounting for Taxes on Income

i.
During the year, `455.93 crores [Previous Year `976.82 crores credited]
has been debited to Profit and Loss Account by way of adjustment of
deferred tax.
ii. The Bank has outstanding net deferred tax asset of `180.63 crores (Previous
Year- `1,167.28 Crores), which is included under Other Assets. The breakup
of deferred tax assets (DTA) and liabilities into major items is given below:
Particulars
110.28
0.53
68.70
179.51
C190 K190
As at
31 Mar 2011
Nil
307.90
1,873.60
1,636.10
Deferred Tax Assets

Provision for wage revision
Provision for long term employee
Benefits
Ex-gratia paid under Exit option
Others
Net DTAs on account of Foreign Offices
Total
Nil
9.41
16.29
35.77
180.95
135.71
2,070.84
2,124.89
8.16
21.53
1,882.05*
936.08
Deferred Tax Liabilities

Depreciation on Fixed Assets
Interest on securities
Total
1,890.21
957.61
180.63
1,167.28
Net Deferred Tax Assets/(Liabilities)
* Includes `536.56 Crores transferred from Income Tax Account.

g)
Investments in Jointly Controlled Entities

Investments include `39.50 crores (Previous Year `38.96 crores) representing
Banks interest in the following jointly controlled entities
Sr.
No.
Name of the Company
Amount
` In crores
Country of
Residence
Holding %
GE Capital Business Process

Management Services Pvt. Ltd.
10.80
(10.80)
India
40%
C - Edge Technologies Ltd.
4.90
(4.90)
India
49%
Maquarie SBI Infrastructure

Management Pte. Ltd.
2.25
(2.25)
Singapore
45%
SBI Macquarie Infrastructure

Management Pvt. Ltd.
18.57
(18.57)
India
45%
SBI Macquarie Infrastructure

Trustee Pvt. Ltd.
0.03
(0.03)
India
45%
Macquarie SBI Infrastructure

Trustee Ltd. #
0.64
(0.10)
Bermuda
45%
Oman India Joint Investment Fund

Management Company Pvt. Ltd.
2.30
(2.30)
India
50%
Oman India Joint Investment Fund

Trustee Company Pvt. Ltd.
0.01
(0.01)
India
50%
# Indirect holding through Maquarie SBI Infra Management Pte. Ltd., against
which the Company has made 100% provision.
Figures in brackets relate to previous year
As required by AS 27, the aggregate amount of the assets, liabilities, income,
expenses, contingent liabilities and commitments related to the Banks interests
in jointly controlled entities are disclosed as under:
` In crores
Particulars
As at
31 Mar 2012
As at
31 Mar 2011
131.68
110.28
Liabilities
Capital & Reserves
131.68
6.56
61.50
199.74
As at
31 Mar 2012
Deposits
Borrowings
Other Liabilities & Provisions
Total
6.56
0.53
61.50
68.70
199.74
179.51

AmpV`m
^maVr` [aOd ~H$ _| ZH$X Ama O_mam{e`m
~H$m| _| O_mam{e`m Ama _mJ VWm An gyMZm
na m` YZam{e
{d{ZYmZ
A{J_
AMb AmpV`m
A` AmpV`m
`moJ
nyOr {V~XYVmE
A` AmH$p_H$ Xo`VmE
Am`
A{OV `mO
A` Am`
`moJ
``
`` {H$`m J`m `mO
n[aMmbZ ``
mdYmZ Ed AmH$p_H$ ``
`moJ
bm^
191
72.30
1.95
21.29
104.20
199.74
0.90
50.34
2.11
11.06
116.00
179.51
0.41
6.50
170.76
177.26
3.74
118.98
122.72
0.43
144.47
8.72
153.62
23.64
Assets
Cash and Balances with RBI
Balances with Banks and money at call
and short notice
Investments
Advances
Fixed Assets
Other Assets
72.30
1.95
21.29
104.20
50.34
2.11
11.06
116.00
Total
199.74
179.51
0.90
0.41
Income
Interest earned
Other income
6.50
170.76
3.74
118.98
Total
177.26
122.72
Expenditure
Interest expended
Operating expenses
Provisions & contingencies
0.43
144.47
8.72
105.97
5.54
Total
153.62
111.51
Profit
23.64
11.21
Capital Commitments
Other Contingent Liabilities
105.97
5.54
111.51
11.21
O) AmpV`m| H$s Angm_m`Vm

~H$ ~YZ H$s {> _|, df Ho$ XmamZ AmpV`m| H$s Angm_m`Vm H$m H$moB Eogm _m_bm gm_Zo
Zht Am`m {Og na boIm _mZH$ 28 - ""AmpV`m| H$s Angm_m`Vm bmJy'' hmoVr hmo.
h)
Impairment of Assets
In the opinion of the Banks Management, there is no impairment to the assets
during the year to which Accounting Standard 28 Impairment of Assets
applies.
P) H$) AmH$p_H$ Xo`VmAm| Ama AmH$p_H$ AmpV`m| H$m {ddaU
i)
a) Description of Contingent Liabilities and Contingent Assets
H$_ g.
1
{ddaU
~H$ Ho$ {d Eogo Xmdo Omo F$U
Ho$ $n _| A{^drH$V Zht h.
~H$m`m dm`Xm {d{Z_` g{dXmAm|

Ho$ H$maU Xo`VmE
JmhH$m|, {~bm| Ed h{S>`m|, namH$Zm|

VWm A` Xm{`dm| H$s Amoa go Xr
JB Jma{Q>`m
A` _X| {OZHo$ {bE ~H$

AmH$p_H$ $n go {O_oXma h.
g{jV {ddaU
`dgm` H$s gm_m` {H$`m _| ~H$ {d{^
H$m`dm{h`m| _| EH$ nj h. ~H$ `h Anojm Zht
H$aVm h {H$ BZ H$m`dm{h`m| Ho$ n[aUm_ H$m
VmpdH$ {VHy$b ^md ~H$ H$s {dmr` pW{V`m|,
n[aMmbZ n[aUm_m| `m ZH$Xr dmh na nS>oJm.
~H$ AnZo {bE Ama JmhH$m| H$s Amoa go AVa~H$ gh^m{JVm go {dXoer {d{Z_` g{dXm, _wm
{dH$n, dm`Xm Xa H$ama, _wm {d{Z_` VWm `mO
Xa {d{Z_` boZXoZ H$aVm h. dm`Xm {d{Z_`
g{dXmAm| _| {dXoer _wm H$mo ^{d` _| g{dXmJV
Xa na IarXZo `m ~oMZo H$m dm`Xm {H$`m OmVm h.
_wm {d{Z_`m| _| nyd {ZYm[aV Xam| Ho$ AmYma na
EH$ _wm Ho$ ~Xbo Xgar _wm _| `mO/_yb am{e Ho$
$n _| {d{Z_` ZH$Xr dmh H$m dm`Xm {H$`m OmVm
h. `mO Xa {d{Z_` _| AMb Ed AWm`r `mO
Xa ZH$Xr dmhm| H$m {d{Z_` H$m dm`Xm {H$`m
OmVm h. AmZw_m{ZH$ am{e`m, {Oh| AmH$p_H$
Xo`VmAm| Ho$ $n _| XO {H$`m J`m h, g{dXmAm| Ho$
`mO Ae Ho$ n[aH$bZ hoVw `yZV_ _mnXS> Ho$ $n
_| `wV {d{e> am{e`m h.
AnZo dm{Up`H$ ~qH$J H$m`H$bmnm| Ho$ EH$ ^mJ
Ho$ $n _| ~H$ AnZo JmhH$m| H$s Amoa go boIr F$U
Ama Jma{Q>`m Omar> H$aVm h. boIr F$U ~H$ Ho$
JmhH$m| H$s F$U-gmI H$mo ~T>mVr h. Jma{Q>`m
gm_m`V: ~H$ H$s Amoa go AQ>b AmmgZ hmoVr h
{H$ `{X JmhH$ AnZo {dmr` `m {ZnmXZ Xo`VmAm|
H$mo nyU H$aZo _| Ag\$b ahVm h, Vmo ~H$ Eogr
pW{V _| CZH$m ^wJVmZ H$aoJm.
~H$ {d{^ H$a {ZYmaU _m_bm|, {OZgo g~
Anrb| {dMmamYrZ h, H$m EH$ nj h. ~H$ H$s Amoa
go BZ na {VdmX {H$`m Om ahm h Ama BZHo$ {bE
H$moB mdYmZ Zht {H$`m J`m h. BgHo$ A{V[a$,
~H$ Zo `dgm` H$s gm_m` {H$`m _| eoàm| H$m
A{^XmZ H$aZo H$m dm`Xm {H$`m h.
C191 K191
Sr. No.
Particulars
Brief Description
Claims against the Bank not

acknowledged as debts
The Bank is a party to various

proceedings in the normal course of
business. The Bank does not expect
the outcome of these proceedings to
have a material adverse effect on the
Banks financial conditions, results of
operations or cash flows.
Liability on account of
outstanding forward
exchange contracts
The Bank enters into foreign exchange

contracts, currency options, forward
rate agreements, currency swaps and
interest rate swaps with inter-Bank
participants on its own account and
for customers. Forward exchange
contracts are commitments to buy or
sell foreign currency at a future date at
the contracted rate. Currency swaps
are commitments to exchange cash
flows by way of interest/principal in
one currency against another, based
on predetermined rates. Interest rate
swaps are commitments to exchange
fixed and floating interest rate cash
flows. The notional amounts that are
recorded as Contingent Liabilities, are
typically amounts used as a
benchmark for the calculation of the
interest component of the contracts.
Guarantees given on
behalf of constituents,
acceptances, endorsements
and other obligations
As a part of its commercial Banking

activities, the Bank issues
documentary credits and guarantees
on behalf of its customers
Documentary credits enhance the
credit standing of the customers of the
Bank. Guarantees generally represent
irrevocable assurances that the Bank
will make payment in the event of the
customer failing to fulfil its financial or
performance obligations.
Other items for which

the Bank is contingently
liable.
The Bank is a party to various taxation

matters in respect of which appeals
are pending. These are being
contested by the Bank and not
provided for. Further, the Bank has
made commitments to subscribe to
shares in the normal course of
business.
192
The Contingent Liabilities mentioned above are dependent upon the

outcome of Court/ arbitration/out of Court settlements, disposal of appeals,
the amount being called up, terms of contractual obligations, devolvement
and raising of demand by concerned parties, as the case may be.
Cn`w$ AmH$p_H$ Xo`VmE `WmpW{V, `m`mb`/nMmQ>/ `m`mb` Ho$ ~mha g_PmVm,

Anrbm| Ho$ {ZnQ>mZ, am{e Ho$ _mJo OmZo, g{dXmJV ~m`Vm H$s eVm] g~{YV njm| mam
_mJ Vmd Ho$ AVaU Ama _mJ Ho$ CR>mE OmZo Ho$ n[aUm_m| na AmYm[aV h.
I) AmH$p_H$ Xo`VmAm| Ho$ {bE {H$E JE mdYmZm| _| CVma-MT>md
` H$amoS> _|
{ddaU
Mmby df
{nN>bm df
AWeof
275.10
148.14
df Ho$ XmamZ d{ (nyddVr Eg~rAmBgrAmB/
nyddVr Q>oQ> ~H$ Am\$ BXma go AVaU g{hV)
56.33
180.38
df Ho$ XmamZ H$_r
74.57
53.42
B{V eof
256.86
275.10
b)
Movement of provisions against Contingent Liabilities

` In crores
Particulars
Opening balance
Additions during the year (including
transferred from e SBICI/e SBIN)
Reductions during the year
Closing balance
Current Year
275.10
Previous Year
148.14
56.33
74.57
256.86
180.38
53.42
275.10
Current Year
Previous Year
6,335.37
455.93
(21.28)
6.00
683.28
5,709.54
976.82
3.35
646.75
(19.58)
11,494.10
51.76
978.81
(98.14)
8,415.44
376.65
976.60
(34.10 )
19,866.25
17,071.05
Current Year
23.00
2.14
25.14
Previous Year
23.00
18.8 Additional Disclosures

1.
Provisions and Contingencies
18.8 A{V[aV H$Q>Z

1. mdYmZ Ed AmH$p_H$ {Z{Y
` In crores
2.
3.
{ddaU
H$amYmZ hoVw mdYmZ
- Mmby H$a
- AmW{JV H$a
- q\$O bm^ H$a H$m {VboIZ
- A` H$a
{d{ZYmZm| na _y`mg Ho$ {bE mdYmZ
{dXoer H$m`mb`m| _| aIo {d{ZYmZm| na ^maV _|
{H$E JE _y`mg Ho$ {bE {VboIZ H$m mdYmZ
AZOH$ AmpV`m| Ho$ {bE mdYmZ
nwZga{MV AmpV`m| Ho$ {bE mdYmZ
_mZH$ AmpV`m| Ho$ {bE mdYmZ
A` mdYmZ
`moJ
AWm`r mdYmZ
6,335.37
455.93
(21.28)
6.00
683.28
5,709.54
976.82
3.35
646.75
(19.58)
11,494.10
51.76
978.81
(98.14)
19,866.25
8,415.44
376.65
976.60
(34.10)
17,071.05
Ama~rAmB Ho$ {deof ~Y Ho$ AZwgma n|eZ

Xo`Vm Ama{j{V`m| go
AVa H$m`mb` g_mYmZ Ho$ H$maU
{eH$m`Vm| H$s pW{V
H$. JmhH$ {eH$m`V|
{ddaU
Particulars
Provision for Taxation
Current Tax
Deferred Tax
Write Back of Fringe Benefit Tax
Other Tax
Provision for Depreciation on Investments
Write Back of Provision for Depreciation
made in India on Investments held at
Foreign Offices
Provision on Non-Performing Assets
Provision on Restructured Assets
Provision on Standard Assets
Other Provisions
Total
2.
` H$amoS> _|
{nN>bm df
23.00
{ddaU
Mmby df
AWeof
23.00
`moJ : nyddVu Q>oQ> ~H$ Am\$ BXma go AV[aV
`moJ : nyddVu Eg~rAmBgrAmB go AV[aV
2.14
df Ho$ XmamZ d{
df Ho$ XmamZ H$_r
B{V eof
25.14
Ama{j{V`m| go AmhaU :
df Ho$ XmamZ ~H$ Zo Ama{j{V`m| go {ZZ{bpIV am{e Amh[aV H$s h:
{ddaU
4.
Mmby df
H$amoS> _|
{nN>bm df
` In crores
Particulars
Opening Balance
Add: Transferred from e SBIN
Add: Transferred from e SBICI
Addition during the year
Draw down during the year
Closing Balance
23.00
3.
31 _mM 2012
H$s pW{V
Ho$ AZwgma
` H$amoS> _|
31 _mM 2011
H$s pW{V
Ho$ AZwgma
0.01
7,927.41
-
Floating Provisions
Withdrawal from Reserves

During the year, the Bank has withdrawn following amount from the Reserves:
` In crores
Particulars
As at
31 Mar 2012
As at
31 Mar 2011
0.01
7,927.41
As at
31 Mar 2012
As at
31 Mar 2011
No. of complaints pending at the

beginning of the year
824
Addition on account of acquisition of eSBIn
No. of complaints received during the year

462,381
No. of complaints redressed during the year
449,791
No. of complaints pending at the end of the year 13,414
Awards passed by the Banking Ombudsman
1,275
70
30,904
31,425
824
Pension Liability charged to Reserves as

per special dispensation from RBI
On account of Inter Office reconciliation
4.
Status of complaints
A. Customer complaints
Particulars
31 _mM 2012
H$s pW{V
Ho$ AZwgma
31 _mM 2011
H$s pW{V
Ho$ AZwgma
df Ho$ Ama^ _| {dMmamYrZ {eH$m`Vm| H$s g`m

824
nyddVu Q>oQ> ~H$ Am\$ BXma Ho$ A{YJhU Ho$ H$maU d{
df Ho$ XmamZ m {eH$m`Vm| H$s g`m
462,381
df Ho$ XmamZ gwbPmB JB {eH$m`Vm| H$s g`m
449,791
df Ho$ AV _| {dMmamYrZ {eH$m`Vm| H$s g`m
13,414
I. ~qH$J bmoH$nmb mam nm[aV A{Y{ZU` :
{ddaU
Mmby df
df Ho$ Ama^ _| H$m`mpdV Zht {H$E JE A{Y{ZU`m| H$s g`m
7
df Ho$ XmamZ ~qH$J bmoH$nmb mam nm[aV A{Y{ZU`m| H$s g`m 131
df Ho$ XmamZ H$m`mpdV A{Y{ZU`m| H$s g`m
117
df Ho$ AV _| H$m`mpdV Zht {H$E JE A{Y{ZU`m| H$s g`m
21
1,275
70
30,904
31,425
824
{nN>bm df
4
86
83
7
C192 K192
23.00
B.
Particulars
Current Year
No. of unimplemented Awards at
the beginning of the year
7
No. of Awards passed by the Banking
Ombudsman during the year
131
No. of Awards implemented during the year
117
No. of unimplemented Awards at the end of the year 21
Previous Year
4
86
83
7
193
5.
gy_, bKw Ed _`_ C_ {dH$mg A{Y{Z`_, 2006 Ho$ AVJV gy_, bKw Ed _`_ C_m|
go g~ H$Q>rH$aUm| Ho$ gX^ _| gy_, bKw Ed _`_ C_m| H$mo {dbp~V ^wJVmZm| `m
{db~ go {H$E JE ^wJVmZm| Ho$ H$maU `mO Ho$ ^wJVmZ H$m H$moB _m_bm [anmoQ> Zht hAm h.
6.
AZwf{J`m| H$mo Omar MwH$mVr AmmgZ n

~H$ Zo AnZo gh`mo{J`m| H$s Amoa go MwH$mVr AmmgZ n Omar {H$E h. 31 _mM 2012 H$mo
MwH$mVr AmmgZ nm| H$s Hw$b ~H$m`m am{e `2086.56 H$amoS> ({nN>bo df `1,411.20
H$amoS> ) Wr. ~H$ Ho$ AmH$bZ Ho$ AZwgma H$moB {dmr` ^md nS>Zo H$s g^mdZm Zht h.
7.
8.
9.
mdYmZrH$aU gwajm AZwnmV

31 _mM 2012 H$mo ~H$ Ho$ AZOH$ AmpV AZwnmV Ho$ 68.10% ({nN>bo df 64.95%) H$m
mdYmZ {H$`m J`m h.
df 2011-12 _| ~H$E`moa|g `dgm` Ho$ g~Y _| m \$sg/nm[al{_H$
` H$amoS> _|
H$nZr H$m Zm_
Mmby df
{nN>bm df
Eg~rAmB bmB\$ B`moa|g H$. {b.
156.82
210.04
X `y B{S>`m E`moa|g H$. {b.
0.34
7.24
Eg~rAmB OZab B`moa|g H$. {b.
8.83
1.14
`wZmBQ>oS> B{S>`m B`moa|g H$. {b.
0.02
0.06
_Zw bmB\$ \$mBZo{e`b {b.
2.08
1.74
EZQ>r`ygr
0.71
0.84
`moJ
168.46
221.06
O_mam{e`m|, A{J_m|, F$U OmopI_m| Ama AZOH$ AmpV`m| H$m H|$rH$aU
H$) O_mam{e`m| H$m H|$rH$aU
5.
With regard to disclosures relating to Micro, Small & Medium Enterprises under
the Micro, Small & Medium Enterprises Development Act, 2006, there have been
no reported cases of delayed payments or of interest payments due to delay in
such payments to Micro, Small & Medium Enterprises.
6.
Letter of Comfort issued for Subsidiaries

The Bank has issued letters of comfort on behalf of its subsidiaries. Outstanding
letters of comfort as on 31st March 2012 aggregate to ` 2086.56 Crores
(Previous Year: ` 1,411.20 Crores). In the Banks assessment no financial impact
is likely to arise.
7.
The Provisioning to Gross Non-Performing Assets ratio of the Bank as on

31st March 2012 is 68.10% (Previous Year 64.95%).
8.
` In crores
SBI Life Insurance Co. Ltd.
9.
{ddaU
~rg dhV_ O_mH$VmAm| H$s Hw$b O_mam{e`m
~H$ H$s Hw$b O_mam{e`m| _| ~rg dhV_
O_mH$VmAm| H$s O_mam{e`m| H$m {VeV
I) A{J_m| H$m H|$rH$aU
Mmby df
60,522.62
5.80%
4.31%
{ddaU
~rg dhV_ CYmaH$VmAm| H$mo {XE JE A{J_
~H$ Ho$ Hw$b A{J_m| _| ~rg dhV_ CYmaH$VmAm|
H$mo {XE JE A{J_m| H$m {VeV
J) F$U-OmopI_m| H$m H|$rH$aU
Mmby df
83,199.80
{ddaU
~rg dhV_ CYmaH$VmAm|/JmhH$m| Ho$ Hw$b
F$U-OmopI_
CYmaH$VmAm| / JmhH$m| na ~H$ Ho$ Hw$b F$U OmopI_ _| ~rg dhV_ CYmaH$VmAm|/JmhH$m| Ho$
F$U-OmopI_ H$m {VeV
K) AZOH$ AmpV`m| H$m H|$rH$aU
Mmby df
` H$amoS> _|
{nN>bm df
2,13,774.62
2,07,277.40
Fees/remuneration received in respect of the bancassurance business in 2011-12

Name of Company
156.82
210.04
7.24
SBI General Insurance Co. Ltd.
8.83
1.14
United India Insurance Co Ltd.
0.02
0.06
Manu Life Financial Limited
2.08
1.74
NTUC
0.71
0.84
TOTAL
168.46
221.06
Concentration of Deposits, Advances, Exposures & NPAs

Concentration of Deposits
` In crores
Particulars
Percentage of Deposits of twenty largest
depositors to Total Deposits of the Bank
b)
` H$amoS> _|
{nN>bm df
65,236.21
Current Year
Previous Year
60,522.62
40,267.48
5.80%
4.31 %
Current Year
Previous Year
83,199.80
65,236.21
9.31%
8.45 %
Current Year
Previous Year
2,13,774.62
2,07,277.40
13.97%
15.13%
Current Year
Previous Year
2,931.51
730.27
Concentration of Advances
` In crores
Particulars
Total Advances to twenty largest barrowers
Percentage of Advances to twenty largest
borrowers to Total Advances of the Bank
8.45%
c)
13.97%
Previous Year
0.34
Total Deposits of twenty largest depositors
9.31%
Current Year
The New India Assurance Co. Ltd.
a)
H$amoS> _|
{nN>bm df
40,267.48
Provisioning Coverage Ratio:
Concentration of Exposures
` In crores
Particulars
Total Exposure to twenty largest borrowers/
customers
Percentage of Exposures to twenty largest
barrowers/customers to Total Exposure
of the Bank on borrowers/customers
15.13%
d)
Concentration of NPAs
` In crores
H$amoS> _|
{nN>bm df
730.27
{ddaU
Mmby df
erf Mma AZOH$ AmpV ImVm| Ho$ Hw$b F$U - OmopI_ 2,931.51
10. jodma AZOH$ AmpV`m
H$_ jo
g~{YV jo Ho$ Hw$b A{J_m|
g.
_| AZOH$ AmpV`m| H$m {VeV
Mmby df
{nN>bm df
1 H${f Ed g~ H$m`H$bmn
8.92%
6.74%
2 CmoJ (gy_ Ed bKw, _`_ VWm ~hV)
4.12%
2.80%
3 godmE
2.94%
2.93%
4 d`{$H$ F$U
2.92%
2.54%
Particulars
Total Exposure to top four NPA accounts
10.
Sectorwise NPAs
Sr. Sector
No.
11.
Percentage of NPAs to
Total Advances in that sector
Current Year
Previous Year
8.92%
6.74%
Agriculture & allied activities
Industry (Micro & small, Medium and Large)
4.12%
2.80%
Services
2.94%
2.93%
Personal Loans
2.92%
2.54%
Overseas Assets, NPAs and Revenue

` In crores
11. {dXoer AmpV`m, AZOH$ AmpV`m Ama Am`

`
H$_ g.
1
2
3
{ddaU
Hw$b AmpV`m
Hw$b AZOH$ AmpV`m (gH$b)
Hw$b Am`
Mmby df
1,80,342.80
2520.46
6,659.06
H$amoS> _|
{nN>bm df
1,41,348.97
2,265.91
5,576.48
C193 K193
Sr. Particulars
No.
Current
Year
Previous
Year
Total Assets
1,80,342.80
1,41,348.97
Total NPAs (Gross)
2,520.46
2,265.91
Total Revenue
6,659.06
5,576.48
194
12.
12. VwbZn _| em{_b Z hmoZo dmbo m`mo{OV Egnrdr
Mmby df
{nN>bm df
13. An[aemo{YV CnXmZ Xo`VmE

^maVr` [aOd ~H$ Ho$ {XZmH$ 9 \$adar 2011 Ho$ n[an g`m S>r~rAmoS>r.~rnr.~rgr. 80/
21.04.018/2010-11 Ho$ AZwgma ~H$ Zo 31 _mM 2011 H$mo g_m {dmr` df Ho$ ma^ go
5 df H$s Ad{Y VH$ Jo `wQ>r gr_m _| ~T>mVo ar Ho$ n[aUm_d$n A{V[a$ Xo`VmAm| H$mo n[aemo{YV
H$aZo H$m {dH$n MwZm h. VXZwgma ~H$ Zo ` 100 H$amoS > bm^ Ed hm{Z ImVo _| {XImE h Omo
31 _mM 2012 H$mo g_m {dm df H$s AmZwnm{VH$ am{e h. 31 _mM 2012 H$mo ` 300 H$amoS > H$s
AXm Xo`Vm H$mo Cn`w $ n[an Ho$ AZwgma g_mZwnm{VH$ $n go n[aemo{YV {H$`m OmEJm.
14. Eg~rAmB H$m_{e`b ES> BQ>aZoeZb ~H$ {b{_Q>oS> H$m g_m_obZ
^maV gaH$ma mam Omar ""Q>oQ> ~H$ Am\$ B{S>`m H$m_{e`b ES> BQ>aZoeZb ~H$ {b. A{YJhU
AmXoe 2011'' A{YgyMZm Ho$ _m`_ go {XZmH$ 29 OwbmB 2011 (^mdr VmarI) go
(Eg~rAmBgrAmB), H$m CnH$_ ^maVr` Q>oQ> ~H$ (Xr ~H$) H$mo AV[aV Ama {Z{hV hmo J`m
h. 31 _mM 2012 H$mo g_m df Ho$ {bE Omo AmH$S>o {XE JE h, CZ_| nyddVu Eg~rAmBgrAmB
~H$ H$s emImAm| Ho$ 29 OwbmB 2011 go 31 _mM 2012 H$mo g_m df VH$ Ho$ H$m`-n[aUm_
^r gp_{bV h. Bg{bE Cg gr_m VH$ ~H$ Ho$ n[aUm_m| H$s VwbZm Zht H$s Om gH$Vr h.
Q>oQ> ~H$ Am\$ B{S>`m H$m_{e`b ES> BQ>aZoeZb ~H$ {b. (Eg~rAmBgrAmB) Ho$ ^maVr`
Q>oQ> ~H$ _| g_m_obZ _| boImH$Z _| boIm _mZH$ 14 ""g_m_obZm| H$m boImH$Z'' Ho$ AZwgma
`mO H$s EH$rH$aU nXY{V H$m Cn`moJ {H$`m J`m h. Bg AmXoe Ho$ AZwgma, ^mdr {V{W go
Eg~rAmBgrAmB ~H$ H$s gnyU AmpV`m| Ed Xo`VmAm| H$mo ^maVr` Q>oQ> ~H$ _| AV[aV Ed
{Z{hV H$a {X`m J`m {Og_| CgH$s Ama{j{V`m ^r em{_b h. ^mdr {V{W H$mo ~H$ Ho$ nmg
Eg~rAmBgrAmB ~H$ H$s 100% eoà nyOr Wr {OgH$m {ZaVrH$aU hmo J`m Ama g_m_obZ
H$mo ^mdr ~ZmZo Ho$ {bE {H$gr Vah H$m eoà {d{Z_` Zht hAm.
Eg~rAmBgrAmB ~H$ {b{_.H$s A{YJhrV AmpV`m Ed Xo`VmE {ZZdV h` H$amoS> _|
A{YJhrV AmpV`m
am{e
[aOd ~H$ Ho$ nmg ZH$X Ed O_m am{e
24.71
~H$m| Ho$ nmg O_m am{e Ed _mJ Ama An gyMZm na {VXo`
16.70
{d{ZYmZ
282.46
A{J_
257.22
AMb AmpV`m
43.33
A` AmpV`m
9.72
Hw$b AmpV`m
634.14
A{YJhrV Xo`VmE
Ama{j{V`m Ed A{Yeof
30.22
O_mam{e`m
479.79
CYmaam{e`m
A` Xo`VmE Ed mdYmZ
24.13
Hw$b Xo`VmE
534.14
A{YJhrV gH$b AmpV`m
100.00
15. AVa H$m`mb` ImVo
emImAm|, {Z`H$ H$m`mb`m| Ama WmZr` YmZ H$m`mb`m| VWm H$manmoaoQ> H|$ H$s gWmnZmAm|
Ho$ ~rM AVa H$m`mb` ImVm| H$m {ZaVa AmYma na g_mYmZ {H$`m Om ahm h Ama Mmby df Ho$
bm^ Ama hm{Z ImVo H$s am{e na BgH$m H$moB _hdnyU ^md nS>Zo H$s Amem Zht h.
16. {deof g_VwbZ ^mo H$m g{dVaU
df Ho$ XmamZ {deof g_VwbZ ^mo hoVw mdYmZ am{e _| go {deof g_VwbZ ^mo H$s ~H$m`m am{e
`908 H$amoS
> g{dV[aV H$s JB. 31 _mM 2012 H$mo g_m df Ho$ XmamZ bm^ Ama hm{Z ImVo _|
`41.11 H$amoS
> {VboIZ {H$E JE {OgH$m {deof g_VwbZ ^mo Ho$ {bE mdYmZ {H$`m J`m Wm.
17. {VMH$s` mdYmZrH$aU ~\$a
^maVr` [aOd ~H$ Ho$ {XZmH$ 21 Ab 2011 Ho$ n[an g`m S>r~rAmoS>r g. ~rnr.~rgr.87/
21.04.048/2010-11 Ho$ AZwgaU _| Ama ~H$ H$mo m AZw_{V Ho$ AZwgma, ~H$ Zo
{gV~a 2011 H$mo g_m AY df Ho$ {bE `1,100.00 H$amoS> H$m A{V[a$ mdYmZ {H$`m h.
Bg H$ma ~H$ Zo Cn`w$ n[an Ho$ AZwgma `3,430.00 H$amoS> Ho$ Ano{jV {VMH$s`
mdYmZrH$aU ~\$a H$m b` mV {H$`m h.
18. AZOH$ AmpV`m| Ho$ {bE A{V[aV mdYmZ
df Ho$ XmamZ ~H$ Zo dpN>H$ $n go Hw$N> Kaoby AZOH$ A{J_m| Ho$ {bE `1,350 H$amoS > H$m A{V[aV
mdYmZ {H$`m h Vm{H$ Eogo A{J_m| Ho$ {bE dgybr `mo` am{e`m| H$s g^ m{dV hm{Z`m| Ho$ g~Y _|
mdYmZ hmo gHo$.
19. {nN>bo df Ho$ AmH$S>m| H$mo dV_mZ Ad{Y Ho$ dJuH$aU Ho$ AZw$n {_bmZo H$s {> go, Ch|
`Wmd`H$, nwZg_y{hV/nwZdJuH$V H$a {X`m J`m h. {OZ _m_bm| _| ^maVr` [aOd ~H$ Ho$
{Xem-{ZX}em|/boIm _mZH$m| Ho$ AZwgma H$Q>rH$aU nhbr ~ma {H$`m J`m h, CZHo$ {nN>bo df
Ho$ AmH$S>o Zht {XE JE h.
C194 K194
Off-balance Sheet SPVs sponsored

Name of the SPV Sponsored
Domestic
Overseas
m`mo{OV Egnrdr H$m Zm_

Xoer
{dXoer
{ZaH$
{ZaH$
{ZaH$
{ZaH$
13.
14.
Current Year
NIL
NIL
Previous Year
NIL
NIL
Unamortised Gratuity Liabilities

In accordance with RBI circular no. DBOD.BP.BC.80/21.04.018/2010-11 dated
February 9, 2011 the Bank has opted to amortise the additional liability on
account of enhancement in Gratuity limit over a period of 5 years beginning
with the financial year ended March 31, 2011. Accordingly the Bank has charged
a sum of ` 100 crores to the Profit and Loss Account, being the proportionate
amount for the financial year ended March 31, 2012. The unpaid liability of
` 300 crore as on March 31, 2012 will be amortised proportionately in accordance
with the above circular.
Amalgamation of SBI Commercial and International Bank Limited
Consequent to the notification of the Acquisition of State Bank of India
Commercial and International Bank Ltd Order, 2011 issued by the Government
of India, the undertaking of State Bank of India Commercial and International
Bank Ltd (SBICI) stands transferred to and vests in State Bank of India (the
Bank), with effect from July 29, 2011, the effective date. The results for the
year ended March 31, 2012 include the results of operations of the erstwhile
SBICI for the period from July 29, 2011 to the year end March 31, 2012 and the
results of the Bank are not comparable to that extent.
The amalgamation of State Bank of India Commercial and International Bank
Ltd (SBICI) with the Bank has been accounted for under the pooling of interest
method as prescribed in Accounting Standard 14 Accounting for
Amalgamations. Pursuant thereto, all assets and liabilities including reserves
of SBICI as on the effective date have been transferred and vested in the Bank.
The Bank held 100% of the share capital of the SBICI on the effective date, which
stands cancelled. No shares were exchanged to effect the amalgamation.
The Assets and Liabilities of e SBICI Bank Limited taken over are as under:` In crores
Assets Taken Over
Cash & Balance with RBI
Balances with Banks and Money at Call and Short Notice
Investments
Advances
Fixed Assets
Other Assets
Total Assets
Liabilities Taken Over
Reserve & Surplus
Deposits
Borrowings
Other Liabilities and Provisions
Total Liabilities
Net Assets Taken over
Amount
24.71
16.70
282.46
257.22
43.33
9.72
634.14
30.22
479.79
24.13
534.14
100.00
15.
Inter Office Accounts

Inter Office Accounts between branches, controlling offices and local head
offices and corporate centre establishments are being reconciled on an ongoing
basis and no material effect is expected on the profit and loss account of the
current year.
16.
Disbursement of Special Balancing Allowance

During the year, ` 908 cores of arrears of Special Balancing Allowance was
disbursed out of the provision held for Special Balancing Allowance. An amount
of ` 41.11 crores was written back to the Profit & Loss account during the year
ended 31st March 2012, being excess amount of provision held for Special
Balancing Allowance.
17.
Countercyclical Provisioning Buffer

In accordance with the guidelines issued by RBI vide their circular no. DBOD.
No. BP.BC.87/21.04.048/2010-11 dated 21st April, 2011 and the dispensation
granted to the Bank, the Bank has made an additional provision of ` 1,100.00
crores for the half year ended September 2011 thus achieving the required
Countercyclical Provisioning Buffer of ` 3,430.00 crores as on September 30,
2011 as per the above circular.
18.
Additional Provision for NPAs

During the year, the Bank has voluntarily made an additional provision of ` 1,350
crores against certain non performing domestic advances to provide for the
estimated loss in collectible amount against such advances.
Previous period figures have been regrouped/reclassified, wherever necessary,
to conform to current period classification. In cases where disclosures have been
made for the first time in terms of RBI guidelines/Accounting Standards, previous
years figures have not been mentioned.
19.
195
WpZOrY J>uJ> Vv@ STATE BANK OF INDIA

31 XpE{ 2012 @pu _XpO \^{ @u <[h S@Qr T}\p` <\\ZN
CASH FLOW STATEMENT FOR THE YEAR ENDED 31ST MARCH 2012
(000 @pu F>pu <QYp BYp `v) (000s omitted)
31.3.2012
31.3.2011
18483,30,60
14954,23,12
1007,16,87
990,49,52
44,14,62
18,51,07
919,74,24
(925,69,54)
4,67,20
11545,85,15
8792,09,28
978,81,32
976,59,50
Provision for Depreciation on Investments
663,70,29
646,75,05
A` mdYmZ / Other Provisions
(98,13,53)
(34,10,01)
(767,35,15)
(827,73,02)
Particulars

Cash Flow from Operating Activities
H$a nyd {Zdb bm^ / Net Profit before Taxes

g_m`moOZ / Adjustments for :
AMb AmpV`m| na _y`mg / Depreciation on Fixed Assets
AMb AmpV`m| Ho$ {dH$` na (bm^)/ hm{Z ({Zdb)
(Profit)/ Loss on sale of Fixed Assets (Net)
{d{ZYmZm| Ho$ {dH$` na (bm^) / hm{Z ({Zdb)

(Profit)/ Loss on sale of Investments (Net)
{d{ZYmZm| Ho$ nwZ_y`mH$Z na (bm^) / hm{Z ({Zdb)

(Profit)/ Loss on revaluation of Investments (Net)
AZOH$ AmpV`m| Ho$ {bE mdYmZ

Provision on Non Performing Assets
_mZH$ AmpV`m| na mdYmZ / Provision on Standard Assets

{d{ZYmZm| na _y`mg H$o$ {bE mdYmZ /
AZwf{J`m| / g`wV CX`_m| go mV bm^me ({d{ZYmZ H$m`H$bmn)

Dividend from Subsidiaries/ Joint Ventures (Investing Activity)
nyOrJV {bIVm| na `mO ({dmnmofU H$m`H$bmn)

Interest on Capital Instruments (Financing Activity)
Cn `moJ
/ SUB TOTAL
3592,20,91
3019,94,33
36369,45,32
27615,76,50
109234,76,20
102711,42,11
7044,27,26
7867,95,93
(17312,03,78)
9327,22,95
(122148,07,24)
(112416,78,73)
(25050,97,48)
13528,05,74
(7897,23,60)
(7832,00,06)
(19759,83,32)
40801,64,44
g_m`moOZ / Adjustments for :

O_mam{e`m| _| d{/(H$_r) / Increase/ (Decrease) in Deposits
nyOrJV {bIVm| Ho$ Abmdm CYma-am{e`m| _| d{/(H$_r)
Increase/ (Decrease) in Borrowings other than Capital Instruments
AZwf{ J`m| / g`w $ C_m| / gh`moJr ~H$m| _| {d{ZYmZm| H$mo N>moS>H$a A`

{d{ZYmZm| _| (d{) / H$_r
(Increase) / Decrease in Investments other than Investments in
Subsidiaries / Joint Ventures / Associates
A{J_m| _| (d{)/H$_r / (Increase)/ Decrease in Advances

A` Xo`VmAm| Ama mdYmZm| _| d{/(H$_r)
Increase/ (Decrease) in Other Liabilities & Provisions
A` AmpV`m| _| (d{)/H$_r / (Increase)/ Decrease in Other Assets
Cn `moJ
/ SUB TOTAL
C195 K195
196
(000 @pu F>pu <QYp BYp `v)

(000s omitted)
Particulars
H$a ^wJVmZ / Taxes Paid
31.3.2012
31.3.2011
(8708,75,29)
(6519,37,25)
(28468,58,61)
34282,27,19
(705,56,95)
(827,24,17)
767,35,15
827,73,02
(27,85)
(1710,34,68)
(1245,49,04)
(1648,56,48)
(1245,28,04)
7891,30,87
27,68
6496,99,60
(3592,20,91)
(3019,94,33)
(2151,43,88)
(1420,22,28)
2147,66,08
2057,10,67
2217,09,51
(54,76,10)
41,41,22
1646,09,70
(25710,98,28)
36685,43,42
n[aMmbZ H$m`H$bmn go / (_| `wV) {Zdb ZH$Xr dmh (H$)

Net Cash Flow from/ (used in) Operating Activities
(A)
{d{ZYmZ H$m`H$bmn go ZH$Xr dmh

Cash Flow from Investing Activities
AZwf{J`m|/ g`w$ C_m| / gh`moJr ~H$m| _| {d{ZYmZ _| (d{) / H$_r

(Increase)/Decrease in Investments in Subsidiaries/Joint Ventures/Associates
Eogo {d{ZYmZm| na A{OV Am`

Income earned on such Investments
A{YJhU Ho$ H$maU nyddVu Q>oQ> ~H$ Am\$ BXma Ho$ eoàYmaH$m| H$mo
^wJVmZ H$s JB ZH$X am{e
Cash paid to the e-SBIn Bank Shareholders on
acquisition of State Bank of Indore
AMb AmpV`m| _| (d{)/H$_r / (Increase)/ Decrease in Fixed Assets

{d{ZYmZ H$m`H$bmn _| `wV {Zdb ZH$Xr (I)
Net Cash used in Investing Activities (B)
{dmnmofU H$m`H$bmn go ZH$Xr dmh

Cash Flow from Financing Activities
B{$Q>r eoà nyOr Ho$ {ZJ_ go m am{e`m/

Proceeds from issue of equity Share Capital
nyOrJV {bIVm| H$m {ZJ_ / Issue of Capital Instruments

nyOrJV {bIVm| na Xm `mO / Interest paid on Capital Instruments
bm^mem| na H$a g{hV Xm bm^me
Dividend paid including tax thereon
{dmnmofU H$m`H$bmn go mV {Zdb ZH$Xr (J)

Net Cash generated from Financing Activities
(C)
AVaU Ama{j{V`m| na {d{Z_` n[adVZm| H$m ^md (K)

Effect of Exchange Fluctuation on Translation Reserve
(D)
g_m_obZ na nyddVu Eg~rAmBgrAmB ~H$ {b{_Q>oS> go A{YJhrV

{Zdb ZH$Xr Ed ZH$Xr g_Vw` (L>)
Net cash and cash equivalents taken over from erstwhile
SBICI Bank Limited on amalgamation
(E)
g_m_obZ na nyddVu Q>oQ> ~H$ Am\$ BXma go A{YJhrV

{Zdb ZH$Xr Ed ZH$Xr g_Vw` (M)
Net cash and cash equivalents taken over from erstwhile
State Bank of Indore on amalgamation (F)
ZH$Xr Ed ZH$Xr g_Vw`m| _| {Zdb d{/(H$_r) (-H$)+(I)+(J)+(K)+(L>)+(M)

Net increase/(decrease) in cash and cash equivalents (A)+(B)+(C)+(D)+(E)+(F)
C196 K196
197
(000 @pu F>pu <QYp BYp `v)

(000s omitted)
Particulars
31.3.2012
31.3.2011
122874,14,77
86188,71,35
97163,16,49
122874,14,77
df Ho$ ma^ _| ZH$Xr Ed ZH$Xr g_Vw`

Cash and cash equivalents at the beginning of the year
df Ho$ AV _| ZH$Xr Ed ZH$Xr g_Vw`

Cash and cash equivalents at the end of the year
:
.
.
.

. .
.

.
. .
SIGNED BY:
Shri Dileep C. Choksi

( )
Shri S. Venkatachalam
Shri D. Sundaram
Shri Parthasarathy Iyengar
Shri G. D. Nadaf
Shir Jyoti B. Mohapatra
Shri Rashpal Malhotra

Shri Deepak I. Amin
Dr. Subir V. Gokarn
A. Krishna Kumar
Managing Director &
Group Executive
(National Banking)
Directors
Diwakar Gupta
Managing Director &
Chief Financial Officer
Hemant G. Contractor
Managing Director &
Group Executive
(International Banking)

( )
Pratip Chaudhuri
Chairman
Kolkata
@pu[@pOp
18 Xe{, 2012
18th May, 2012
C197 K197
198
boImnarjH$m| H$s [anmoQ>
REPORT OF THE AUDITORS
{V
^maV H$s am>n{V,
To
1. ^maVr` Q>oQ> ~H$ A{Y{Z`_,1955 H$s Ymam 41(1) Ho$

AVJV {Z`w$ h_,^maVr` Q>oQ> ~H$ Ho$ AmohVmjar
boImnarjH$, ~H$ Ho$ VwbZn, bm^ Ama hm{Z ImVo VWm
ZH$Xr dmh {ddaU Ho$ ~mao _| H|$ gaH$ma H$mo EVXXdmam AnZr
[anmoQ> VwV H$aVo h.
1.
We, the undersigned Auditors of State Bank of India,

appointed under Section 41 (1) of the State Bank of
India Act, 1955, do hereby report to the Central
Government upon the Balance Sheet, Profit and Loss
Account and the Cash Flow Statement of the Bank.
2.
We have audited the accompanying financial

statements of State Bank of India as at 31st March
2012, which comprise the Balance Sheet as at March
31, 2012, Profit & Loss Account and Cash Flow
Statement for the year then ended, and a summary
of significant accounting policies and other explanatory
information. Incorporated in the said financial
statements are the returns of:
The President of India,
2. h_Zo ^maVr` Q>oQ> ~H$ H$s 31 _mM 2012 H$s {dmr` {dda{U`m
{Og_| 31 _mM 2012 H$m VwbZn Ama Cgr VmarI H$mo g_m
df Ho$ bm^ Ama hm{Z ImVo VWm ZH$Xr dmh {ddaU Ed _hdnyU
boIm Zr{V`m| Ho$ gmame VWm A` {ddaUm_H$ gyMZm H$s
boImnarjm H$s h. C$ {dmr` {ddaUm| _| {ZZ{bpIV Ho$ boIo
em{_b h:
i)
ii)
iii)
Ho$r` H$m`mb`,MmXh WmZr` YmZ H$m`mb`, dpdH$

~mOma g_yh, AVam>r` `dgm` g_yh, H$manmoaoQ> boIm
g_yh (Ho$r`), _`-H$manmoaQo > g_yh (Ho$r`), VZmdJV
AmpV ~YZ g_yh (Ho$r`), Ama 42 (~`mbrg)
emImE, {OZH$s boImnarjm h_Zo H$s h;
11060 ^maVr` emImE, {OZH$s boImnarjm emIm
boImnarjH$m| Zo H$s; VWm
h_mao Ed A` boIm narjH$m| mam boIm nar{jV emImAm| H$m

M`Z ^maVr` [aOd ~H$ mam ~H$ H$mo {XE JE {Xem{ZX}em| Ho$
AZwgma {H$`m J`m h.
3. ^maVr` [aOd ~H$ H$s AnojmAm| Ed ~H$H$mar {d{Z`_Z

A{Y{Z`_, 1949 Ho$ mdYmZm|, ^maVr` Q>oQ> ~H$ A{Y{Z`_,
1955 VWm g_m{dQ> boIm-Zr{V`m| Ed nanamAm|, ^maVr` gZXr
boImH$ma gWmZ (AmBgrEAmB) mam Omar boImH$aU Ed
boImnarjm _mZH$m| Ho$ AZwgma BZ {dmr` {ddaUm| H$mo V`ma H$aZo
H$s {O_oXmar ~H$-~YZ H$s h. Bg {O_oXmar Ho$ AVJV {dmr`
{dda{U`m| H$s V`mar go g~{YV AmV[aH$ {ZÙm| Ho$ {S>OmBZ,
C198 K198
The Central Office, fourteen Local Head Offices,

Global Markets Group, International Business
Group, Corporate Accounts Group (Central), MidCorporate Group (Central), Stressed Assets
Management Group (Central) and forty two
branches audited by us;
ii)
11060 Indian Branches audited by branch

auditors; and
iii)
52 Foreign Branches audited by the local auditors.
The branches audited by us and those audited by

other auditors have been selected by the Bank in
accordance with the guidelines issued to the Bank by
Reserve Bank of India.
{dXoe pWV 52 emImE {OgH$s boImnarjm WmZr`

boImnarjH$m| Zo H$s.
VwbZn Ed bm^ hm{Z {ddaUr _| 3811 ^maVr` emImAm| Ed

A` boImH$Z BH$mB`m| H$s {dd{U`m ^r em{_b h {OZH$s boIm
narjm Ano{jV Zht h. BZ AboImnar{jV emImAm| H$m {hgm
A{J_m| _| 1.18% O_mam{e`m| _| 4.56%, `mO Am` _|
1.06% VWm `mO `` _| 4.89% h.
i)
Also incorporated in the Balance Sheet and the

Statement of Profit and Loss are the returns from
3811 Indian branches and other accounting units,
which have not been subjected to audit. These
unaudited branches account for 1.18% of advances,
4.56% of deposits, 1.06% of interest income and
4.89% of interest expenses.
3.
The management is responsible for the preparation

of these financial statements in accordance with the
requirements of the Reserve Bank of India, the
provisions of the Banking Regulation Act, 1949, the
State Bank of India Act, 1955 and recognized
accounting policies and practices, including the
Accounting Standards issued by the Institute of
Chartered Accountants of India (ICAI). This
responsibility includes the design, implementation
and maintenance of internal control relevant to the
preparation of the financial statements that are free
199
from material misstatements, whether due to fraud

or error.
H$m`md`Z Ed AZwajU ^r em{_b h Omo YmoImKS>r `m w{Q>de

{H$gr ^r H$ma Ho$ dVwJV JbV ~`mZr go _wV h>.
4. h_mar {O_oXmar BZ {dmr` {dda{U`m| na AnZr boIm narjm na
AmYm[aV A{^_V XoZo H$s h. h_Zo AnZr boIm narjm ^maVr`
gZXr boImH$ma gWmZ mam Omar boIm narjm _mZH$mo Ho$ AZwgma
nyar H$s h. BZ _mZH$m| Ho$ AVJV `h Anojm H$s OmVr h {H$ h_
AnZr Z{VH$ {O_oXm[a`m| H$m nmbZ H$a| Ed AnZr boImnarjm
H$s `moOZm Bg H$ma ~ZmE Ama {Znm{XV H$a|, Vm{H$ h_ g_w{MV
$n go Bg ~mao _| AmV hmo OmE {H$ {dmr` {ddaUm| _| H$moB
dVwJV JbV {ddaU Zht {XE JE h.
5. boImnarjm Ho$ AVJV {dmr` {ddaUm| _| VwV am{e`m| Ama
H$Q>rH$aUm| Ho$ g_WZ _| {XE JE gm` H$s narjU AmYma na
OmM H$s OmVr h. OmM Ho$ {bE MwZr JB n{V`m boImnarjH$
Ho$ {ddoH$, {dmr` {dda{U`m| _| YmoImYS>r `m w{Q> Ho$ H$maU hmoZo
dmbr {H$gr ^r dVwJV JbV ~`mZr Ho$ OmopI_ Ho$ _y`mH$Z na
AmYm[aV hmoVr h. BZ OmopI_ _y`mH$Zm| H$m {ZYmaU H$aVo g_`
boImnarjH$ ~H$ Ho$ {dmr` {dda{U`m| H$mo V`ma H$aZo Ed CZHo$
C{MV Vw{V go g~{YV AmV[aH$ {ZÙm| H$mo gkmZ _| boVm h
Vm{H$ BZ n[apW{V`m| Ho$ {bE g_w{MV boIm n{V H$mo {S>OmBZ
{H$`m Om gHo$. boIm narjm Ho$ AVJV ~YZ mam `w$ boIm{gmVm| VWm _wI AmH$bZm| H$m {ZYmaU VWm g_J {dmr`
{ddaU H$s Vw{V H$m _y`mH$Z ^r {H$`m OmVm h.
4.
Our responsibility is to express an opinion on these

financial statements based on our audit. We conducted
our audit in accordance with the Standards on Auditing
issued by the Institute of Chartered Accountants of
India. Those Standards require that we comply with
ethical requirements and plan and perform the audit
to obtain reasonable assurance about whether the
financial statements are free from material
misstatement.
5.
An audit involves performing procedures to obtain

audit evidence about the amounts and disclosures in
the financial statements. The procedures selected
depend on the auditor's judgment, including the
assessment of the risk of material misstatement of
the financial statements, whether due to fraud or
error. In making those risk assessments, the auditor
considers internal control relevant to the Bank's
preparation and fair presentation of the financial
statements in order to design audit procedures that
are appropriate in the circumstances. An audit also
includes evaluating the appropriateness of accounting
policies used and the reasonableness of the accounting
estimates made by management, as well as evaluating
the overall presentation of the financial statements.
6.
We believe that the audit evidence we have obtained

is sufficient and appropriate to provide a basis for our
audit opinion.
7.
Without qualifying our opinion, we draw attention to:
6. h_| {dmg h {H$ h_mao mam m {H$`m J`m boImgm` h_mao

boIm A{^_V H$mo AmYma XmZ H$aZo {bE n`m Ed Cn`w$ h .
7. AnZo A{^_V na {~Zm {H$gr {V~Y Ho$ h_ AmnH$m `mZ {ZZ
H$s Amoa AmH${fV H$aZm Mmh|Jo :
H$) AZwgyMr 18 H$s {Q>nUr> 18 ""boIm-{Q>n{U`m>'' Omo Hw$N>
AZOH$ Xoer A{J_m| Ho$ g~Y _| `1,350 H$amoS> Ho$
A{V[a$ mdYmZ go g~{YV h.
I) AZwgyMr 18 H$s {Q>nUr> 13 ""boIm-{Q>n{U`m'' Omo
^maVr` [aOd ~H$ Ho$ {XZmH$ 9 \$adar 2011 Ho$ n[an
g`m S>r~rAmoS>r.~rnr.~rgr.80/21.04.018/201011 Ed boIm _mZXS> 15 H$_Mmar {hVbm^ Ho$ mdYmZm|
Ho$ AZwnmbZ Ho$ g~Y _| ^maVr` [aOd ~H$ mam XmZ H$s
JB Ny>Q> Ho$ AZwgma ~H$ H$s `300 H$amoS> Jo`wQ>r Xo`Vm Ho$
AmWJZ go g~{YV h.
8. h_mao A{^_V _|, ~H$ H$s ~{h`m| _| XemE JE Ama Ohm VH$ h_|
OmZH$mar h VWm h_| {XE JE n>rH$aUm| Ho$ AZwgma :
H$) _hdnyU boIm Zr{V`m| Ed Vg~Yr boIm-{Q>n{U`m| Ho$
gmW nT>o OmZo na VwbZn nyU Ed ghr h, {Og_| g_V
C199 K199
8.
a)
Note 18 of Schedule 18: 'Notes to Accounts'

regarding the additional provision of `1,350
crores in respect of certain non performing
domestic advances.
b)
Note 13 of Schedule 18: 'Notes to Accounts'

regarding deferment of gratuity liability of the
bank to the extent of `300 crores in accordance
with RBI circular no.DBOD.BP.BC.80/21.04.018/
2010-11 dated February 9, 2011 and the
exemption granted by the Reserve Bank of India
to the Bank from applicability of provisions of
accounting Standard 15: Employee Benefits.
In our opinion, as shown by books of the Bank, and

to the best of our information and according to the
explanations given to us:
a)
the Balance Sheet, read with the significant

accounting policies and notes thereon is a full
and fair balance sheet containing all the necessary
particulars, is properly drawn up so as to exhibit
200
a true and fair view of state of affairs of the Bank

as at 31st March 2012 in conformity with
accounting principles generally accepted in India;
Amd`H$ OmZH$mar em{_b h VWm Cgo Bg H$ma V`ma

{H$`m J`m h {H$ dh 31 _mM 2012 H$mo ^maV _| gm_m`
$n go drH$ma {H$E JE boIm {gmVm| Ho$ AZw$n ~H$ Ho$
H$m_H$mO H$m ghr Ama gQ>rH$ {M XemVm h;
b)
the Profit and Loss Account, read with the

significant accounting policies and the notes
thereon shows a true balance of profit, in
conformity with accounting principles generally
accepted in India, for the year covered by the
account; and
c)
the Cash Flow Statement gives a true and fair

view of the cash flows for the year ended on
that date.
I) _hdnyU boIm Zr{V`m| Ed Vg~Yr boIm-{Q>n{U`m| Ho$

gmW nT>o OmZo na bm^ Ed hm{Z ImVm ^maV _| gm_m` $n
go drH$ma {H$E JE boIm {gmVm| Ho$ AZw$n,Mmby df Ho$
bm^ H$m ghr eof XemVm h; VWm
J) ZH$Xr dmh {ddaU, gX^mYrZ {V{W H$mo g_m df Ho$
ZH$Xr dmh H$m ghr Ed gQ>rH$ {M VwV H$aVm h.
9. VwbZn Ama bm^ Ed hm{Z ImVm ~H$H$mar {d{Z`_Z A{Y{Z`_,
1949 H$s VVr` AZwgyMr Ho$ H$_e: "H$' Ama "I' \$m_m] _|
V`ma {H$E JE h Ama ò ^maVr` Q>oQ> ~H$ A{Y{Z`_,1955
VWm CgHo$ AVJV ~Zo {d{Z`_m| Ho$ Cn~Ym| Ho$ AZwgma Ano{jV
OmZH$mar XoVo h.
9.
10. Cn`w$ namJm\$ 2 go 5 H$s gr_mAm| H$m A{VH$_U Z H$aVo hE

Ed ^maVr` Q>Qo > ~H$ A{Y{Z`_,1955 H$s AnojmAm| Ho$ AZw$n
Ed Vg~Yr Ano{jV H$Q>Z H$s gr_mAm| Ho$ AVJV ahVo hE
h_ {ZZmZwgma AnZr [anmoQ> VwV H$aVo h, {H$ :
10. Subject to limitations of the audit indicated in

paragraphs 2 to 5 above and as required by the SBI
Act, 1955, and subject also to the limitations of
disclosure required there in, we report that:
H$) h_Zo Ohm ^r H$moB OmZH$mar Ama n>rH$aU _mJm h, Omo

h_mar boImnarjm Ho$ `moOZ go h_mar OmZH$mar Ama {dmg
Ho$ AZwgma Amd`H$ Wm, h_| dh OmZH$mar Ama n>rH$aU
{X`m J`m h Ama h_Zo Cgo gVmofOZH$ nm`m h.
I) h_mar OmZH$mar _| AmE ~H$ Ho$ boZ-XoZ ~H$ Ho$ A{YH$majo _| hr h.
J) ~H$ Ho$ H$m`mb`m| Ama emImAm| go m {dda{U`m h_mar
boImnarjm Ho$ Co` go C{MV nmB JB h.
11. h_mao A{^_V Ho$ AZwgma, VwbZn, bm^ Ama hm{Z ImVm VWm
ZH$Xr dmh {ddaU bmJy boIm _mZH$m| Ho$ AZw$n h.
C200 K200
The Balance Sheet and the Profit and Loss Account

have been drawn up in Forms "A" and "B" respectively
of the Third Schedule to the Banking Regulation Act,
1949, these give information as required to be given
by virtue of the provisions of the State Bank of India
Act, 1955, and Regulations there under.
a)
We have obtained all the information and

explanations which to the best of our knowledge
and belief, were necessary for the purposes of
our audit and have found them to be satisfactory.
b)
The transactions of the Bank, which have come

to our notice have been within the powers of
the Bank.
c)
The returns received from the offices and

branches of the Bank have been found adequate
for the purposes of our audit.
11. In our opinion, the Balance Sheet, Profit and Loss

Account and Cash Flow Statement comply with
applicable accounting standards.
201
h_mar Bgr VmarI H$s [anmoQ> Ho$ AZwgma
In terms of our report of even date
STATUTORY CENTRAL AUDITORS
Chartered Accountants
For Kalyaniwalla & Mistry
For Dagliya & Co.
\$_ .
Viraf Mehta
Partner : .. M.No. 32083
. Firm Regn. No. 104607 W
P. Manohara Gupta
\$_ . . Firm Regn. No. 000671 S
. . .
For B. M. Chatrath & Co.
For M. Verma & Associates
Eg. H$UZ
_XZ d_m
S. Krishnan
\$_ . . Firm Regn. No. 301011 E
Madan Verma
\$_ . . Firm Regn. No. 501433 C
. . .
For K.K. Soni & Co.
For Krishnamoorthy & Krishnamoorthy
. .
gr. Ama. ao_m
K. K. Soni
\$_ . . Firm Regn. No. 000947 N

\$_ . . Firm Regn. No. 001488 S
VmoS>r
For Essveeyar,
C. R. Rema
For Todi Tulsyan & Co.
~r. fU_wJmZmWZ
B. Shanmuganathan
\$_ . . Firm Regn. No.000808 S
Sushil Kumar Tulsyan

\$_ . . Firm Regn. No. 002180 C
H$Vo qgKr ES> H$nZr
For Venugopal & Chenoy
For Singhi & Co.
. .
amOrd qgKr
D. V. Jankinath
\$_ . . Firm Regn. No. 004671 S
Rajiv Singhi
\$_ . . Firm Regn. No. 302049 E
. . .
AOy gmo_mZr
nr. Ho$. ~mb
Anju Somani
\$_ . . Firm Regn. No. 006591 N

\$_ . . Firm Regn. No. 314173 E
For K. G. Somani & Co.
For SCM Associates
P K Bal
. . .
For K. C. Mehta & Co.
For SBA & Company
{MamJ ~er
AemoH$ Hw$_ma OZ
Chirag Bakshi
\$_ . . Firm Regn. No. 106237 W
Ashok Kumar Jain

\$_ . . Firm Regn. No. 004651 C
18 , 2012
Kolkata
18th May, 2012
C201 K201

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^maVr` Q>oQ> ~H$ > dm{fH$ [anmoQ> 2011-12

State Bank of India > Annual Report 2011-12

/ CAPITAL AND LIABILITIES

/ Significant Accounting Policies ...

^maVr` Q>oQ> ~H$ > dm{fH$ [anmoQ> 2011-12

State Bank of India > Annual Report 2011-12

^maVr` Q>oQ> ~H$ > dm{fH$ [anmoQ> 2011-12

State Bank of India > Annual Report 2011-12

Additions during the year

Deductions during the year

Additions during the year

Deductions during the year

Additions during the year

Deductions during the year

Additions during the year

Deductions during the year

Revenue and Other Reserves*

Additions during the year

Deductions during the year

* ZmoQ> amOd Ed Ama{j{V`m| _|

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State Bank of India > Annual Report 2011-12

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Deposits of Branches in India

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(a) Innovative Perpetual Debt Instruments (IPDI) ...

(b) Subordinated Debt

^maVr` Q>oQ> ~H$ > dm{fH$ [anmoQ> 2011-12

State Bank of India > Annual Report 2011-12

@s[ YpuB GRAND TOTAL

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State Bank of India > Annual Report 2011-12

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State Bank of India > Annual Report 2011-12

Others (Units of Mutual Funds, Commercial

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Subsidiaries and / or Joint Ventures

II. WpZO @u Vp`Z <\<SRpS

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State Bank of India > Annual Report 2011-12

Bills purchased and discounted ...

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@s[ YpuB (-I -II) GRAND TOTAL (C-I & C-II)

^maVr` Q>oQ> ~H$ > dm{fH$ [anmoQ> 2011-12

State Bank of India > Annual Report 2011-12

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