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June 2010

June 2010. 1. State Bank Group - A Truly Universal Bank. As on 31 st March 2010, SBI & the 6 associate banks together have 18,331 branches and 21,485 ATMs with SBI alone having 12,638 branches and 16,294 ATMs sharing a common technology platform. State Bank Group – A Glimpse.

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June 2010

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  1. June 2010 1

  2. State Bank Group - A Truly Universal Bank As on 31st March 2010, SBI & the 6 associate banks together have 18,331 branches and 21,485 ATMs with SBI alone having 12,638 branches and 16,294 ATMs sharing a common technology platform

  3. State Bank Group – A Glimpse • India’s largest Commercial Banking Group, consisting of SBI and 21 Subsidiaries, 6 Joint Ventures and 6 Associates • Over 200 years of profitable banking • Rated AAA by Crisil (a Standard and Poor company) indicating highest safety • Maintaining a CAR of ~12% consistently • Complying with BASEL II guidelines • Independent Risk Governance structure & integrated risk management of credit, market and operational risks • High levels of corporate governance – Board driven decision making

  4. State Bank Group – A Glimpse • Strong internal and external audit systems – Audit committee of the Board consists of highly qualified and independent directors • New initiatives in Pension Fund, Infrastructure Fund, Point of Sale and General Insurance in partnership with large international players • Strong record of corporate social responsibility (CSR) activities • Rights issue of ~US$ 4bn in March 2008 fully subscribed • Exposure to international CDOs is ~0.01% of assets, thus allowing it to avoid the fallout of sub-prime crisis

  5. Awards & Recognition to SBI The only Indian Bank in the Fortune Global 500 list Ranked 363 in 2009 (380 in 2008) Chairman Mr O.P.Bhatt Best Executive – 2008 (Asia Money) Indian of the Year –Business-2007 –CNN-IBN 25 Most Valuable Indians – 2009 – The Week Bank of the Year 2009, INDIA by the Banker Magazine (Second Year in succession) 57th Rank in the world by The Banker in July2008 (up from 70th a year ago) Best Bank 2009 (Business India) Economic Times Brand Equity Rank: Most Trusted Brand in 2009 # 1 in financing M&A outside India in Asia Pasific (excl. Japan) region 31 deals for US$22.56 bn in 2007-08

  6. SBI - GROWING FROM STRENGTH TO STRENGTH 3.50 Deposits (US$ bn) Advances (US$ bn) Net profit margin RoA Net NPA ratio FY’ 03 FY’ 08* Change CAGR of 16% CAGR of 28% Increase of 35% Increase of 16% Decrease of 68% * Provisional * Data upto December’07 Source: SBI financals; Bloomberg

  7. The India Advantage GDP Growth – converging to Trend • Robust economy supported by strong democratic political system • Average 8.8% GDP growth • 53 mn in High and Rich Income group • Largest source of skilled and semi skilled and English speaking work force • Strong and independent legal system with distinct separation of executive and judiciary as per the Constitution • Well endowed with mineral wealth, fertile land base and diversified ecology • USD 492 bn Investment in Infrastructure in next 5 yrs (US$ 145 bn from • Private Sector) • Addl Power generation capacity: 70,000MW (26% participation by private sector) • Sea Ports: Capacity addition of 830 mn tonnes (67% by private sector) • Airports: redevelopment of 4 metro and 35 non metro airports and constructing • 7 Greenfield and 3 in North East (67% by private sector)

  8. India Growth Continues – Key Drivers

  9. THE INDIAN BANKING SYSTEM IS ROBUST WITH HIGH OVERALL ASSET QUALITY & PROFITABILITY 1.4 0.4 2006 Asset quality Profitability Net NPL/GDP Net NPL/Net loans Pretax ROA Pretax ROE Weak Malaysia 8.7 Malaysia 8.5 Taiwan 0.2 Taiwan 9.1 China 6.0 China 7.1 Hong Kong 1.1 Thailand 11.5 Hong Kong 5.8 Philippines 5.9 Thailand 1.1 Singapore 12.4 Taiwan 3.1 Thailand 4.3 China 1.2 Philippines 13.4 Singapore 3.1 Singapore 3.3 India 1.2 Malaysia 16.3 Thailand 3.0 Hong Kong 2.9 Singapore 1.3 Korea 18.8 Philippines 1.9 Taiwan 2.1 Malaysia 1.3 India 18.9 Korea 0.9 India 1.0 Korea 1.4 China 21.2 India 0.4 Korea 0.8 Philippines 1.6 Hong Kong 22.5 Strong Source: CMIE, Bankscope

  10. Prudence of the Home Regulator The Indian banking system has been largely insulated from international crises due to prudent regulatory guidelines prescribed by Reserve Bank of India • Illustrative regulations • BASEL II: All Indian banks with international presence required to be BASEL II compliant by March 31, 2008 • Capital adequacy (CRAR): Prescribed capital adequacy ratio of 9%, 4.5% each on tier-I and tier-II capital (higher than BASEL II norms of 8%) • Conservative weightage guidelines: Housing loans have a risk-weight of 50-150%, as compared to BASEL II prescriptions of 35% • Constant monitoring of weights: Commercial real estate loans have risk weights ranging from 125% to 150% in response to market real estate conditions • ICAAP guidelines put in place in 2008 for banks to assess capital adequacy in relation to their risk profiles • Highlevels of Provisioning evenfor standard assets: ranging from 0.4% to 2% depending on type of loan asset

  11. State Bank of India : Market Share Total Business Foreign Exchange Government Business • Over 80% of Top Corporates in India have relationships with SBI • Largest customer base • Leading Provider of financial services

  12. International Network 142 Branches/Offices in 32 Countries Americas: branches (New York, LA and Chicago) and One wholly owned subsidiary (SBI California) with branches in USA; One wholly owned subsidiary with branches in Canada; and one OBU in Bahamas Europe: 6 branches in UK; one each in Frankfurt, Antwerp & Paris Middle East: Branches covering Bahrain, UAE, Oman & Israel Africa: Branches in Johannesburg, Durban and Cape Town South Asia: Branches in Bangla Desh, Sri Lanka and Maldives East Asia and Australia: Branches in Hong Kong, Sydney, TOKYO, OSAKA Shanghai and Singapore; Expanding the branch net work in Singapore after recent QFB licence. Representative Offices in Washington, Milan, Istanbul, Luanda, Cairo, Manila and Tehran. Jt. Venture banks in Russia, Bhutan, Nigeria, Nepal Subsidiaries in Mauritius and Indonesia Exchange companies managed by SBI in Dubai, Oman and Qatar

  13. Gist of Services offered in Japan • Trade Finance • Deposits • Remittances • Commercial Lending • Bank Guarantees • Treasury Services • Advisory Services for India related business • BRANCHES IN TOKYO AND OSAKA

  14. Trade Finance • Negotiation/Discounting of documents under LCs • Collection of documents • Adding confirmation to LCs • Supplier’s Credits • Buyer’s Credits • Forfaiting on risk participation basis

  15. Deposits • Short-term & long term • JPY & US Dollar • MOST ATTRACTIVE RATES

  16. Remittances • Remittances to India and other countries in JPY, USD or Indian Rupees • INSTANT REMITTANCE TO OVER 18000 BRANCHES • Advisory Services to individuals and companies

  17. Commercial Lending • Project related Loans for Corporates both Indian as well as from other countries • Arrangement with JBIC – providing long-term loans to Indian companies for their imports from Japan (JBIC Export Credit) • Investments in Bonds and fixed income securities • Loans to Corporates for imports into India • Syndication through other banks & bilateral loans

  18. Bank Guarantees • Project related Bank Guarantees on behalf of corporates • Performance bonds, bid bonds, advance payment guarantees • Bank Guarantees on behalf of customers of major banks in India

  19. Treasury Services • Arrangement of Forward Contracts • Derivatives • Rupee quotes for remittances

  20. Contact Persons - Tokyo • Mr Arijit Basu, Regional Head & Chief Executive Officer Japan Phone 03-3284-0098 • Mr. T. Kikuchi , Senior Vice President & Resident Manager Phone 03-3284-0086 • Mr Nixon Joseph, Vice President (Credit & Investments) Phone 03-3284-0097 • Mr Jawahar Koul, Vice President (Trade Finance &Operations ) Phone 03-3284-0010 • Website www.sbijapan.com E-mail: sbitok@gol.com

  21. Contact Persons - Osaka Mr Vinay Tonse, Chief Operating Officer Osaka Phone 06-6271-3696 Mr. H. Ohsumi , Senior Vice President Phone 06-6271-3237 Mr Abraham George, Vice President (Credit & Operations) Phone 06-6271-3695 Mr P. Jamneshwar, Vice President ( Credit & Operations ) Phone 03-3284-0010 Website www.sbijapan.com E-mail: sbitok@gol.com

  22. THANK YOU

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