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SBI sets base rate at 7.5%

State Bank Of India | Bank - Public | BFSI | BSE: 500112 | NSE: SBIN

30 Jun 2010 Evaluate

State Bank of India (SBI) has fixed its base rate, or the minimum rate at which it will lend to borrowers, at 7.5 per cent. The rate announced by the country’s biggest lender will set a benchmark for other banks and replace the benchmark prime lending rate (BPLR) regime from July 1. SBI, which has a 17 per cent share in all bank loans offered in the country, presently has a BPLR of 11.75 per cent.

The announcement by SBI was followed by four other public sector banks — Punjab National Bank (PNB), Bank of Baroda, Union Bank of India and Central Bank of India — who set their base rate at 8 per cent. Interestingly, PNB’s BPLR at 11 per cent was lower than that of SBI.

SBI had taken the six month average cost of deposits to arrive at the base rate. The lender said its growing share of low cost deposits had helped it reduce its cost. The bank's current and savings account (casa) growth had been 650 basis points (bps) over the past one year to 45 per cent. The cost of a six-month deposit for SBI is about 5.5 per cent.

The base rate system will replace BPLR following a year-long exercise by the Reserve Bank of India (RBI) to make lending rates more transparent. The parameters banks can take to calculate their base rate include cost of deposits; overhead costs; costs of setting aside cash for maintenance of cash reserve and statutory requirements; and profit margin.

The lending rate will vary, depending upon the risk profile of borrowers and the time period. This will mark a departure from the earlier system, where large companies often extracted loans at rates below the prime lending rate of banks. No bank can now give loans below the base rate, except for a few categories. Only 3 per cent of SBI's corporate loans are extended below 7.5 per cent. The corporate loan book of SBI is around 40 per cent of its total loan book.

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Company Name	CMP
SBI	1063.35
PNB	110.70
Canara Bank	138.95
Bank Of Baroda	275.40
Union Bank Of India	184.45
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SBI sets base rate at 7.5%

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