India’s Top Banks 2008
State Bank of Hyderabad
Office: Gunfoundry, Hyderabad - 500001, Andhra Pradesh
Tel: 91 40 23387713/7261 Fax: 91 40 23387819
Email: sbhgmpnd@sbhyd.co.in Website: www.sbhyd.com
About the Bank
State Bank of Hyderabad (SBH) was
formed as Hyderabad State Bank on Aug 8,
1941. In 1953, the bank took over the assets
of Hyderabad Mercantile Bank Ltd. In the
year 1956, RBI took over the bank as its first
subsidiary and changed its name to SBH.
In 1959, SBH became a subsidiary of State
Bank of India. SBH offers corporate, retail and
agriculture credit to its customers. In FY07,
SBH issued a total of 38,350 Laghu Udhyami
credit cards, 2,587 units were financed under
the Finbowl Trade Scheme and 1,481 units were
financed under the SME Smart Score Scheme.
In FY07, the bank issued 1,31,003 kisan credit
cards taking the number to 6,08,477. Under
the retail segment, the bank has extended its
housing loan to 65,048 borrowers and provided
7,771 new education loans to students at the
end of Mar 2007. The bank has also introduced
a few new products designed to meet the credit
needs of its customers which includes; Speed
Remittance Product, Xpress Money Product,
SBI Vishwa Yatra Foreign Travel Card (FTC),
SBH 500, SNH 60, Mahila Shakti and Career
Planner.
D&B D-U-N-S® No - 65-067-5630
BALANCE SHEET (Rs mn)
Liabilities
Capital
Reserves & Surplus
Deposits
Borrowings
Other liabilities
& provisions
Total Liabilities
172
25236
415027
3934
46154
490523
PROFIT & LOSS (Rs mn)
Expenditure
Interest expended
21345
Operating Expenses
8085
Provision - NPAs
460
Others
4523
Total Expenses
34413
as on 31st Mar 2007
Assets
Cash & Balance with RBI# 28721
Other Bank Balances*
16909
Investments
139192
Advances
281093
Fixed Assets
2422
Other Assets
22186
Total Assets
490523
During the year FY07
Income
Interest Earned
Other Income
Total Income
Net Profit / Loss
KEY RATIOS
KEY RATIOS
Efficiency (%)
Credit Deposit Ratio
Cash Deposit Ratio
Investment Deposit Ratio
Term Loan/Total Adv Net NPAs/Net Adv
Term Dep/Total Dep
Strength (%)
CAR Tier I
CAR Tier II
Growth (%)
Deposits
Advances
Business (Deposits+Advances)
67.73
6.92
33.54
59.86
0.22
68.62
21.98
34.73
26.83
34894
4575
39469
5055
8.25
4.26
Profitability (%)
Return on Assets
Return on Equity
Net Interest Margin/
Total Assets
1.14
21.72
3.02
Productivity (Rs mn)
Business Per Employee
Net Profit Per Employee
47.36
0.39
#Includes cash in hand available with banks and balances with RBI
* Includes balances with other banks within India & outside India and money at call & short notices
RANKING: All Banks
Total Income
Net Profit
Assets
Branches
22
21
22
19
MANAGEMENT DETAILS
Chairman
O P Bhatt
Auditors
S Mann & Company
Doogar And Associates
Kapoor Tandon & Company
Dinesh Mehta & Company
Sreedhar Suresh & Rajagopalan
INFRASTRUCTURE (Mar 07)
No of Branches 939
Rural Semi Urban Urban Metro 254
299
219
167
No of ATMs OWNERSHIP(%)
Promoter’s Holdings Institutions (Resident
& Non Resident)
Any Other
400
(Mar 07)
100.00
-
State Bank of India
Office: Corporate Centre, State Bank Bhavan, M C Road, Mumbai - 400021, Maharashtra
Tel: 91 22 22029456/9451 Fax: 91 22 22885369
Email: agm.inv@sbi.co.in Website: www.statebankofindia.com
About the Bank
State Bank of India (SBI) was established in
July 1, 1955 and operates with a group network
of seven associate banks namely SBBJ, SBH,
SB Indore, SB Mysore, SB Patiala , SBS and
SBT. In personal banking domain, SBI offers
products such as deposits, recurring deposits,
housing loan, car loan, educational loan, loan
for pensioners, loan against mortgage of
property, loan against shares and debentures,
medi-plus scheme and rent plus scheme. Few
new products launched in FY07 were Truly Gold
SBI Gold master Card, Go Air SBI Credit Card,
Low interest offer and The Smart Traveller.
The bank also introduced ATM linked KCCs
in all circles in FY07. The bank caters to SME
customer expectations through products like
SBI Power Gain, SBI Power Pack and SBI SME
Sahaj. There are few new schemes designed
for NRIs like car loan scheme and In Principle
scheme for NRI home loans.
BALANCE SHEET (Rs mn)
Liabilities
Capital
Reserves & Surplus
Deposits
Borrowings
Other liabilities
& provisions
Total Liabilities
5263
307722
4355211
397033
600423
5665652
PROFIT & LOSS (Rs mn)
Expenditure
Interest expended
234368
Operating Expenses
118235
Provision - NPAs
14283
Others
40304
Total Expenses
407190
as on 31st Mar 2007
Assets
Cash & Balance with RBI#290764
Other Bank Balances*
228922
Investments
1491489
Advances
3373365
Fixed Assets
28189
Other Assets
252923
Total Assets
5665652
During the year FY07
Income
Interest Earned
Other Income
Total Income
Net Profit / Loss
KEY RATIOS
KEY RATIOS
Efficiency (%)
Credit Deposit Ratio
Cash Deposit Ratio
Investment Deposit Ratio
Term Loan/Total Adv Net NPAs/Net Adv
Term Dep/Total Dep
Strength (%)
CAR Tier I
CAR Tier II
Growth (%)
Deposits
Advances
Business (Deposits+Advances)
77.46
6.68
34.25
53.68
1.56
51.52
14.60
28.85
20.41
D&B D-U-N-S® No - 65-005-6914
Profitability (%)
Return on Assets
Return on Equity
Net Interest Margin/
Total Assets
Productivity (Rs mn)
Business Per Employee
Net Profit Per Employee
394910
57693
452603
45413
8.01
4.33
0.84
15.41
3.03
35.70
0.24
#Includes cash in hand available with banks and balances with RBI
* Includes balances with other banks within India & outside India and money at call & short notices
RANKING: All Banks
Total Income
Net Profit
Assets
Branches
1
1
1
1
MANAGEMENT DETAILS
Chairman
O P Bhatt
Auditors
D P Sen & Co, K Jain & Co,
J Kapila Associates,
R G N Price & Co, M M
Nissim & Co, S K Mittal & Co,
V Kumar & Co, M Choudhury
& Co, Laxminiwas & Jain, G M
Kapadia & Co, D Singla & Co
INFRASTRUCTURE (Mar 07)
No of Branches 9270
Rural Semi Urban Urban Metro 3825
2561
1561
1323
No of ATMs OWNERSHIP(%)
Promoter’s Holdings Institutions (Resident
& Non Resident)
Any Other
4407
(Mar 07)
59.7
31.90
8.40
41