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How to calculate the Return on Equity from the Bank's Financial Statements?

Personal Finance & Money Asked on August 27, 2021

The annual report for SBI may be found here. The snapshots of the balance sheet and income statements from this report are:

Balance Sheet:

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Income Statement:

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Now, using the return on equity formula we have:
ROE = Net Income/Total Equity Capital = 144881106/8924612 = 1623% !!

The company reports 7.74% ROE. How to arrive at this number?

Edit: Even if I add the Reserves and Surplus number to the equity, I don’t get the desired 7.74%.

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