final analyst q3fy15 pdf analyst ppt q3fy15analyst+ppt+q3fy15.pdf · 2019. 5. 30. · 9.50 10.50...
TRANSCRIPT
-
Q3FY15
Quarterly Results
13th February 2015
-
Safe Harbor
Certain statements in these slides are forward-looking statements. These
statements are based on management's current expectations and are
subject to uncertainty and changes in circumstances. Actual results may
differ materially from those included in these statements due to a variety
of factors.
2
All financial and other information in these slides, other than financial and
other information for specific subsidiaries where specifically mentioned, is
on an unconsolidated basis for SBI only unless specifically stated to be
on a consolidated basis for SBI Group. Please also refer to the statement
of unconsolidated, consolidated and segmental results required by Indian
regulations that has, along with these slides, been filed with the stock
exchanges in India
-
Performance Highlights
YOY Q3FY15 over Q3FY14
SOLO GROUP
Net Profit 30.24% 34.86%
Operating Profit 22.00% 21.61%
Q3FY15
Net Profit
SOLO
Rs. 2910 crores
(Rs. 2234 crores)
3
Operating Profit 22.00% 21.61%
Non Interest Income 24.27% 18.25%
Expense Ratio - 432 bps -105 bps
Gross NPA Ratio - 83 bps -59 bps
Capital Adequacy Ratio*
(Basel III)Tier I 10.01 % Overall 12.66%
* with retained profit
(Rs. 2234 crores)
GROUP
Rs.3828 crores
(Rs. 2839 crores)
Figures in bracket indicate Q3FY14
-
NII and Operating Profit
Rs. In CroresQ3FY15 Q3FY14
Interest Income 38546 34853 10.60 112296 100493 11.74
Other Income 5238 4215 24.27 14061 11967 17.49
Total Income 43784 39068 12.07 126357 112460 12.36
YOY % 9MFY15 9MFY14 YOY %
4
Interest Expenses 24770 22237 11.39 71992 64114 12.29
Net Interest Income 13777 12616 9.20 40303 36379 10.79
Operating Expenses 9720 9213 5.51 27860 26865 3.70
Operating Profit 9294 7618 22.00 26504 21481 23.38
-
Net Profit - a Snapshot
Rs. In CroresQ3FY15 Q3FY14
Operating Profit 9294 7618 22.00 26504 21481 23.38
Total Provisions 6384 5384 18.58 17145 13631 25.78
Loan Loss 4717 3429 37.59 12649 8340 51.67
YOY % 9MFY15 9MFY14 YOY %
5
Standard Assets 370 196 89.20 606 732 -17.17
Investment
Depreciation47 621 -506 1161
Other Provisions 101 -95 258 -188
Income Tax 1150 1235 -6.89 4138 3587 15.37
Net Profit 2910 2234 30.24 9360 7850 19.22
-
Rs. In crores
Movement in Income Parameters Q3
Net Int. Income
Operating Profit
67647260 7791 7618
9294
9050
11519 1114112616 13777
Q3FY 11 Q3FY 12 Q3FY 13 Q3FY 14 Q3FY 15
6
Net Profit- Solo
28283263 3396
22342910
Q3FY 11 Q3FY 12 Q3FY 13 Q3FY 14 Q3FY 15
6764
Q3FY 11 Q3FY 12 Q3FY 13 Q3FY 14 Q3FY 15
-
Interest on Loans 28646 26310 8.88 84075 75535 11.31
Interest on Resources 9636 8308 15.99 27451 24025 14.26
Other Sundry Interest 264 235 11.93 769 934 -17.61
Total Interest Income 38546 34853 10.60 112296 100493 11.74
Rs. In Crores
Components of Interest Income/Expenses
Q3FY15 Q3FY14 YOY % 9MFY15 9MFY14 YOY %
Total Interest Income 38546 34853 10.60 112296 100493 11.74
Interest on Deposits 22816 20111 13.45 65963 57474 14.77
Interest on Borrowings 981 1207 -18.72 3136 3890 -19.39
Other Sundry Interest 972 918 5.92 2893 2749 5.24
Total Interest Expenses 24770 22237 11.39 71992 64114 12.29
7
-
Components of Other Income
Rs. In CroresQ3FY15 Q3FY14
Fee Income 3291 2971 10.75 9239 8144 13.44
Profit/loss on Sale of
Investments 920 238 286.06 1959 1676 16.92
Forex Income 502 604 -16.90 1401 1248 12.29
YOY % 9MFY15 9MFY14 YOY %
8
Forex Income 502 604 -16.90 1401 1248 12.29
Dividend Income 0 8 61 45 33.17
Misc. Income 526 393 33.76 1401 854 64.04
Total Other Income 5238 4215 24.27 14061 11967 17.49
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Components of Fee Income
Rs. In CroresQ3FY15 Q3FY14
Loan Processing Charges 876 692 26.71 1701 1641 3.64
Commission on Govt. Busi. 491 409 20.09 1492 1255 18.94
Commission on LC/BG 750 730 2.72 2169 2050 5.78
YOY % 9MFY15 9MFY14 YOY %
9
Commission on LC/BG 750 730 2.72 2169 2050 5.78
Transaction Fees 757 598 26.54 2257 1690 33.54
Commission on Collection 79 95 -17.04 265 271 -2.48
Misc Fee Income 338 448 -24.57 1355 1237 9.57
Total Fee Income 3291 2971 10.75 9239 8144 13.44
-
Components of Operating Expenses
Rs. In Crores
Payment to and Provisions for
Employees5842 5867 -0.43 16971 17225 -1.48
Rent, Taxes and Lighting 863 726 18.84 2496 2147 16.30
ATM Expenses 571 495 15.31 1644 1138 44.46
Depreciation on Bank's Property 403 378 6.68 1075 991 8.51
Insurance 390 346 12.90 1133 1078 5.03
Q3FY15 Q3FY14 YOY % 9MFY15 9MFY14 YOY %
10
Postage, Telegrams, Telephone 179 192 -6.68 467 507 -7.90
Travelling Expenses 150 161 -7.19 433 469 -7.62
Repairs and Maintenance to Bk's
Property143 110 30.82 403 320 26.08
Printing and Stationery 77 59 32.18 218 197 10.85
Advt. & Publicity 77 47 64.65 160 169 -4.77
Law Charges 44 52 -15.94 139 139 -0.46
Auditors Fee and Expenses 42 37 15.83 127 124 2.66
Other Expenses 938 745 26.04 2593 2361 9.81
OPERATING EXPENSES 9720 9213 5.51 27860 26865 3.70
-
Movement in Net Interest Margin ( in % )
Domestic NIM
3.723.66
3.44 3.48 3.48 3.493.54 3.49 3.503.6
3.8
4
4.2
4.4
Cumulative
11
NIM-
Cumulative Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14
FOs 1.52 1.50 1.49 1.50 1.49 1.42 1.08 1.20 1.19
Whole Bank 3.41 3.34 3.16 3.19 3.19 3.17 3.13 3.11 3.12
3
3.2
3.4
Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14
-
10.89 10.80
10.23 10.3210.40 10.47
10.58 10.57 10.57
6.23 6.25 6.21 6.22 6.25 6.27 6.28 6.31 6.32
3.50
4.50
5.50
6.50
7.50
8.50
9.50
10.50
11.50
8.50
Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep 14 Dec 14
Yield on Advances Cost of Deposits
Yield on Advances /Yield on Assets Cost of Deposits
Domestic : Costs & Yields( in % )
Yield on Investments
6.37 6.40 6.34 6.38 6.40 6.41 6.42 6.42 6.43
0.000.250.500.751.001.251.501.752.002.252.502.753.003.253.503.754.004.254.504.755.005.255.505.756.006.256.506.757.007.257.507.758.00
Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep 14 Dec 14
Cost of Funds
12
-
Rs. In Crores
Retail Deposits drive Growth
LevelYOY Growth
Dec-14
Dec-14 Mar-14 Dec-13 Amt. %
Whole Bank Deposits 1510077 1394409 1349940 160137 11.86
Domestic Deposits 1417732 1305984 1258622 159110 12.64
Deposits at FOs 92345 88425 91317 1028 1.13
Term Deposits 814095 725787 706237 107858 15.27
13
Term Deposits 814095 725787 706237 107858 15.27
Of which: Retail TD 722616 593792 559847162769 29.07
(%) 88.76 81.81 79.27
Current Account 94363 110935 865527811 9.02
(%) 6.66 8.49 6.88
Savings Bank 509274 469262 46583343441 9.33
(%) 35.92 35.93 37.01
CASA 603637 580197 552385 51252 9.28
CASA Ratio- Domestic (%) 42.58 44.43 43.89
-
167942
120637113247
260226230827
224673217695
3170432791Misc
FOs
Retail
Direct
Agri
Diversified Exposure across Sectors
18
10
21
18
10
19
Rs. In CroresShare %
23
(% YOY growth)
(-3)
(3)
(13)
(7)
239618 199658
220683221393
167942168112
Dec 14 Dec 13
AgriSME
MCG
CAG19
17
13
17
19
14
1265483Total 1183723
14
(-0.1)
(-0.3)
(20)
YOY Gr 6.91%
-
58.8 58.5
11.8 12.05.9 6.4
23.6 23.1Other Per.
Education
Auto
Home
Retail Advances
74 77
26 23Above Rs.30 lacs
Upto Rs.30 lacs
Rs. In crores
Distribution of Retail Loans(%) Distribution of Home Loans(%)
Dec 14 Dec 13
Level Home Auto Edu Other Per. Total
Dec 13 135129 27698 14838 53162 230827
Mar 14 140738 27925 14740 54264 237667
Dec 14 152905 30701 15295 61325 260226
YOY Growth Abs. 17776 3003 457 8163 29399
YOY Growth % 13.15 10.84 3.08 15.35 12.74
5 year CAGR(%) 15.76 21.66 8.93 7.06 13.52
Dec 14 Dec 13152905 135129TotalTotal
15
TotalTotal 230827260226
-
4776
1555
4646
12809
5724
1940
5352
15087
5000
10000
15000
20000
Dec 14 Dec 13
Agri Advances
Rs. In crores
96661
86816
60000
70000
80000
90000
100000
Farm Mech Irrig. & Land Devp. SHGs Other Term Loan
0
16
LevelCrop /
Production
Investment/
Allied Credit
Out of which: collateralized by Gold
Agri Priority
Amt. Share % Direct Indirect Total
Dec 13 86816 28103 36743 31.97 113247 10200 123447
Mar 14 88723 27358 37751 32.52 120253 34462* 154715
Dec 14 96661 23786 42101 34.95 120637 38900* 159537
YOY Abs. 9845 -4317 5358 7390 28700* 36090
YOY % 11.34 -15.36 14.58 6.53
* Includes RIDF deposits
50000
Crop/Prod.
-
78.577.8
76.6
79.2
82.4
78.8
80.5
78.7
80.7
77.9
75.6 75.7
78.1
76.4 75.8
77.6 78.076.4
78.376.7
77.877.0
75.876.1
Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14
SBI
ASCB
CD RATIO
CD Ratio & Market Share ( in % )
Market Share
16.29
16.46
16.6416.57
16.73
Mar 12 Mar 13 Dec 13 Mar 14 Dec 14
16.09
16.6616.57
16.65
16.14
Mar 12 Mar 13 Dec 13 Mar 14 Dec 14
DEPOSITS ADVANCES
17
Market Share
-
Capital Adequacy
3.19%2.91%
2.72% 2.70% 2.71% 2.65%2.65%
Tier II
12.66%12.51% 11.59%
Basel III
CAR% 12.33%12.44% 12.03%
With retained
profit
12.33%
Rs. In crores
18
9.32% 8.68%9.72% 9.63% 9.62% 9.38% 10.01%
Mar 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Dec 14
Tier I
RWA 10703991005640 1153231
$ CET 1 = 9.29%
1128605
$
1126863 1126967
#
# CET1 = 9.92%
1153231
-
Asset Quality
51189 60891 6420667799 61605
60434 60712 61991
Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14
Gross NPAs
(4.75%) (5.56%) (5.64%) (5.73%) (4.90%)(4.95%)
YOY, Gross and Net NPAs are down by 83
and 44 bps respectively
(4.89%) (4.90%)
Rs. In crores
19
Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14
* PCR % 66.58 60.60
21956 2999032151 37167 31096 31884 32997 34469
Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14
Net NPAs
(2.10%) (2.83%) (2.91%) (2.66%)
58.32 62.86
(3.24%)
* Provision Coverage Ratio
(2.57%)
62.68
(2.73%)
63.1860.16 63.56
(2.80%)
-
Gross NPAs by Sector
Rs. In Crores
Break-up of Gross NPAs
Sector
Dec 14 Mar 14 Dec 13
NPARatio
%NPA
Ratio
%NPA
Ratio
%
Large
Corporate1074 0.49 2402 0.99 3658 1.83
Mid
Sector-wise Gross NPAs to Total
Gross NPAs %
19.5 17.318.5
5.04.9 6.1
4.66.1 5.7
1.7 4.0 5.4
Intl.
Agri.
Retail
Large Corp
20
Mid
Corporate26430 11.85 26257 11.05 26191 11.39
SME 16427 8.05 15465 7.85 17382 9.09
Agri 12100 10.04 10660 9.20 12570 10.95
Retail 3082 1.19 3034 1.28 4103 1.78
International 2878 1.28 3787 1.77 3895 1.79
Total 61991 4.90 61605 4.95 67799 5.73
42.7 42.6 38.6
26.5 25.125.6
Dec 14 Mar 14 Dec 13
SME
Mid-Corp
-
Movement of NPAsRs. In Crores
Q3FY15 Q2FY15 Q1FY15 Q4FY14 Q3FY14 Q2FY14
Opening Level of
Gross NPAs60712 60434 61605 67799 64206 60891
Recovery +Up
gradation 667 2635 4547 8443 2768 3797
Write off 5096 4787 6556 5698 5077 1253
21
5096 4787 6556 5698 5077 1253
Fresh Slippages 7043 7700 9932 7947 11438 8365
Net Increase 1280 278 -1171 -6194 3593 3315
Closing Level of
Gross NPAs61991 60712 60434 61605 67799 64206
Recovery in W/o
Accounts602 466 421 642 326 273
-
Details of Restructured Assets
Rs. In Crores
Particulars9MFY15
Std NPA Total
1 Restructured Accounts as on 01.04.2014 43050 15888 58938
2 Fresh Restructuring 9568 1904 11472
3 Increase in Outstanding 3084 298 3382
22
4 Up gradation to restructured standard category 698 -698 0
5Restructured Standard Advances upgraded to full
standard advances-2472 0 -2472
6 Down gradations of restructured accounts -4396 4396 0
7 Write-offs + Closures + Decrease in Outstanding -2990 -1626 -4616
8Total Restructured Accounts as on December
31, 2014 46542 20162 66704
-
Movement of Impaired Assets
Rs. In Crores
Dec 14 Sep 14 June14 Mar 14 Dec 13 Mar 13
1. Gross Advances 1265483 1242638 1232288 1245122 1183723 1078557
2. Gross NPAs 61991 60712 60434 61605 67799 51189
3. Net NPAs 34469 32997 31884 31096 37167 21956
4. Restructured Standard
23
4. Restructured Standard
(as per Revised RBI norms)46542 43962 42236 43051 39404 32228
5. Total Gross NPAs plus
Restructured Std. ( 2+4 )108533 104674 102670 104656 107203 83417
6. Total Net NPAs plus
Restructured Std. ( 3+4 )81011 76959 74120 74147 76571 54184
7. Gross NPA + Restructured
Standard to Gross Adv. %
( 5 ÷ 1 )
8.58 8.42 8.33 8.41 9.06 7.73
8. Net NPA + Restructured
Standard to Gross Adv. %
( 6 ÷ 1 )
6.40 6.19 6.01 5.95 6.47 5.02
-
Head Count
Staff Strength as on Dec 14 Mar 14 Dec 13
Officers 78691 79755 79780
Assistants 95780 101648 103883
Sub-staff (Others ) 23300 24799 25098
Watch & ward 17230 15831 14575
Total 215001 222033 223336
24
-
Branch Expansion
Dec 14 Mar 14 Dec 13 Mar 13
Branches
opened during
9MFY15
Metro 2562 2524 2448 2341 38
(15.8) (15.9) (16.0) (15.8) (11.3)
Urban 2981 2890 2782 2624 91
(18.4) (18.2) (18.2) (17.7) (27.0)
Semi-Urban 4477 4399 4270 4165 78
(27.6) (27.7) (27.9) (28.1) (23.1)
Rural 6186 6056 5797 5686 130
(38.2) (38.2) (37.9) (38.4) (38.6)
Total 16206 15869 15297 14816 337
(100.0) (100.0) (100) (100.0) (100.0)
Figures in brackets indicate percentage share in total branches
25
-
1377214388
15297
16206
Dec 11 Dec 12 Dec 13 Dec 14
Branches
2681430156
43588
54479
Dec 11 Dec 12 Dec 13 Dec 14
Group ATMs6%
27%
Expanding Footprint & Multiple Delivery Channels CAGR : Dec 11-14
No of
Branches
added
during
last one
year :909
28
55
86
125
Dec 11 Dec 12 Dec 13 Dec 14
83
114
165
209
Dec 11 Dec 12 Dec 13 Dec 14
36%
26
65%
Mobile Banking Users*Internet Banking Users *
* In lacs
-
Expanding Footprint
664533759
113999
181310
Dec 11 Dec 12 Dec 13 Dec 14
Total no. of POS Terminals
1%4%
11%
15%*
1181430
5365
10469
Dec 11 Dec 12 Dec 13 Dec 14
Amt of POS txns during the 9 Months(Rs. in Cr)
553
192
Market
Share
411No. of txnsduring 9 months
(in lacs)
* As on 31.10.2014
Market Share for FY 2014 -15(upto Oct 14)
Debit Card Spends : Point of sale & e-Commerce
Rs. In Crores
8018
10898
16495
23057
Dec 11 Dec 12 Dec 13 Dec 14
27Source: RBI Website
Market leader in Debit Card spends over Point of Sale & e-Commerce
YOY
Growth %
36%
51%
40%SBI 22%
SBI ABs 3%
A 17%
B 9%C15%
D 5%
Others 29%
Market Share for FY 2014 -15(upto Oct 14)
42%
Rs. In Crores
-
5236
5519
5797
6186
Dec 11 Dec 12 Dec 13 Dec 14
Rural Branches
12329 16329
37382
80514
Dec 11 Dec 12 Dec 13 Dec 14
Unbanked Villages Covered
3550
9230
15662
27109
Dec 11 Dec 12 Dec 13 Dec 14
6%87%
97%
BC Channel transactions #
RSETIs – No. of Candidates
Financial Inclusion
FLCs- No. of outdoor No. of A/c’s through BC
CAGR :
Dec 11-14
7471977
7208
25776
Dec 11 Dec 12 Dec 13 Dec 14
28
80
138
280
535
Dec 11 Dec 12 Dec 13 Dec 14
96361
143190
196467
239116
Dec 11 Dec 12 Dec 13 Dec 14
88%35%
RSETIs – No. of Candidates
Trained
* In lacs
FLCs- No. of outdoor
activities undertaken
# Amount in crores (during the year)
No. of A/c’s through BC
Channel*
226%
-
Rs. In crores /%
SBI Solo Financials SBI Solo Financials ––9MFY15 9MFY15
Solo
Dec 14 Dec 13 YOY % / bps
ROA (%) 0.68 0.63 + 5 bps
29
ROE (%) 11.12 10.97 +15 bps
Earning Per Share (Rs.) 16.72 15.30 9.28%
Other Income to Operating
Income (%)25.86 24.75 +111 bps
Expenses Ratio (%) 51.25 55.57 - 432 bps
-
Performance Highlights of Associate Banks
Name
9MFY15 9MFY14
PAT ROE % PAT ROE %
SBBJ 497 11.31 494 12.85
SBH 872 13.89 573 9.36
Rs. In crores
SBM 273 8.54 167 5.57
SBP 236 5.03 206 4.95
SBT 144 4.04 256 8.82
Total ABs 2020 1696
30
SBI 9360 11.12 7850 10.97
-
Performance Highlights of Non-Banking Subsidiaries
Name9MFY15 9MFY14
PAT ROE % PAT ROE %
SBI Life Insurance
Company P Ltd615 20.60 541 22.37
Rs. In crores
SBI Capital Markets Ltd 212 23.70 153 19.46
SBI Funds Management P
Ltd116 31.58 122 35.14
SBI Cards & Payment
Services P Ltd252 33.65 232 45.12
31
SBI Group 12300 11.66 10210 11.25
-
SBI Cards & Payments Services Pvt Ltd: Performance highlights
for 9M FY 15
Robust business performance
� New accounts acquisition now on
fast track . . . opened 70K accounts
in Dec’14 (highest in 8 years).
� Net Revenue growth in line with
receivables growth @28%.
SBI cards ranked No.3 in terms of
Performance
9%
232252
PAT YoY %
Rs. In Crs.
SBI cards ranked No.3 in terms of
Cards In Force (CIF) with Market
Share of 15%
Technology & Investments
� Online reward redemptions live in
Oct’14
� Mobile servicing app launched for
Android
FY 13-14
Apr-Dec
FY 14-15
Apr-Dec
YoY
Growth %
New Accounts (‘000) 404 475 18%
AIF (‘000)2,259 2,493 10%
Total Spends 13,042 17,006 30%
Receivables 4,319 5,526 28%
Net Revenue 848 1,084 28%
13-14 14-15
32
-
SBI General Insurance Co Ltd : Performance highlights for 9M FY 15
� Leading General Insurance Company
� 2nd position in Fire among Private Insurers
� 2nd position in Personal Accident in the
Industry
� 12th rank among private players (out of 24
players)
� Market share moved upwards to 1.67%
(industry) and 4% (private) respectively
� New Initiatives :
� Motor manufacturer tie ups*25% YOY growth against Industry growth of 9.32%
� Motor manufacturer tie ups
� Tie ups with RRBs and NBFCs
� New Health products launched through
Bancassurance channel
� Accolades :
� Data Quality Asia Pacific Award 2014
� iCMG (inter Company Marketing Group)
Excellence Award for Enterprise
Architecture in 2014
GWP: Gross Written Premium
*25% YOY growth against Industry growth of 9.32%
*Company is expected to break even in FY 15-16
33
-
� 11% growth in New
Business Premium
(NBP)
� Ranked 3rd in NBP
among Pvt players
� 33% growth in
Renewal Premium
SBI Life Insurance Co Ltd : Performance highlights for 9M FY15
� Net profit grew by
14% to
Rs. 615 crs
� 14% decrease in
Opex to GWP
ratio
� Assets Under
Management up
by 22% at
Rs. 67,323 crs
� Solvency ratio of
2.27 as mandate
of 1.5
Top line growth
Financial highlights
Strong balance sheet
� 22% growth in
Gross Written
Premium (GWP)
� Total market share
increased from
3.6% to 4.6% &
15.20% among Pvt
players.
34
� Persistency ratio
of 71.6%
� Accumulated
profits of
RsRsRsRs.... 2,921 crs
Top line growth
Financial highlights
Strong balance sheet
-
• Performance: 62% of AUM in Equity Funds and 92% of the AUM in Fixed Income Funds are in top two
SBI Funds Management Pvt Ltd : Performance highlights
488
316
116
464
304
122
0
100
200
300
400
500
600
Networth Revenue PAT
In I
NR
Crs
Financials
April to Dec 2014 April to Dec 2013
Rs in Crores
• Performance: 62% of AUM in Equity Funds and 92% of the AUM in Fixed Income Funds are in top two
quartiles
• Awards : Voted as Most Trusted Brand 2014 – Gold in the category of Investment Banking & Mutual
Funds by Readers Digest.
• Products : PAN INDIA 42 New Funds launched - 1 open ended , 9 close ended funds & 32 Fixed
Maturity Plans (FMP) till Dec 2014. Received SEBI approvals for 17 new Equity/Hybrid funds and 15
FMP’s
• New Branches: Opened 52 branches since December 2013 taking the total number of branches to 161
• Online Investing & Investor Education: To strengthen online digital strategy, launched a dedicated
Online Investment Platform for Institutional Investors in addition to existing online platform for retail
investors. Currently have 210,000 investors who have invested through this platform. Conducted 655
Investor Education meets till December 2014.
35
-
SBI Capital Markets Limited : Performance highlights for 9M FY 15
Awards & Rankings
∗ Maintained leadership position in theProject Finance space globally.
∗ Ranked as No. 1 Global Mandated LeadArrangers & Financial Advisor for ProjectFinance Loans by Dealogic for the fifth
521
313
439
300
375
450
Rs in Crores
Finance Loans by Dealogic for the fifthconsecutive year.
∗ No.1 Asia ex Japan Mandated LeadArrangers by Bloomberg for the sixth yearrunning.
∗ "Deal of the Year" Award for 2014 fromM&A International
∗ Business World-Grant Thornton's 'Top INRBonds & Loan deal-maker of the year'award.
∗ Tata Steel listed in the top Asia SyndicatedLoans deals (ex Japan, ex Australia).
212225
153
0
75
150
225
Gross Income PBT PAT
Dec 14 Dec 13
36
-
LIABILITIES Dec 14 Mar 14 Dec 13YOY Growth
(%)
Capital 747 747 684 9.14
Reserves and Surpluses 127805 117536 108232 18.08
Deposits 1510077 1394409 1349940 11.86
Borrowings 181675 183131 189969 -4.37
Other Liabilities & Provisions 83290 96413 88886 -6.30
Total Liabilities 1903593 1792235 1737711 9.55
Rs. In crores
Balance Sheet (Solo)Balance Sheet (Solo)
Total Liabilities 1903593 1792235 1737711 9.55
ASSETS Dec 14 Mar 14 Dec 13YOY Growth
(%)
Cash & balances with RBI 69825 84956 64387 8.45
Balance with banks & money at call
and short notice56398 47594 40265 40.06
Investments 489735 398800 427492 14.56
Net Advances 1232545 1209829 1148901 7.28
Fixed Assets 8757 8002 7799 12.28
Other Assets 46334 43055 48868 -5.18
Total Assets 1903593 1792235 1737711 9.5537
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LIABILITIES Dec 14 Mar 14 Dec 13YOY Growth
(%)
Capital 747 747 684 9.14
Reserves and Surpluses 159976 146624 136570 17.14
Minority Interest 5363 4909 4876 9.98
Deposits 1969678 1838852 1793136 9.85
Borrowings 220062 223760 231412 -4.90
Other Liabilities & Provisions 173101 181090 164159 5.45
Total Liabilities 2528926 2395982 2330838 8.50
Rs. In crores
Balance Sheet (Consolidated)Balance Sheet (Consolidated)
Total Liabilities 2528926 2395982 2330838 8.50
ASSETS Dec 14 Mar 14 Dec 13YOY Growth
(%)
Cash & balances with RBI 92057 114096 86387 6.56
Balance with banks & money at
call and short notice64182 53066 49901 28.62
Investments 688810 579398 612195 12.51
Net Advances 1607986 1578277 1506210 6.76
Fixed Assets 11628 10560 10430 11.48
Other Assets 64262 60585 65716 -2.21
Total Assets 2528926 2395982 2330838 8.50
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Some Recent Awards….. (1/2)Recent Recognition & AwardsRecent Recognition & Awards
Golden Peacock Award for CSR by Institute of Directors, New Delhi
Most Valuable Indian Brands 2014 by Brandz Top 50
Environmental Sustainability Award 2014 by BFSI Magazine
Asia Sustainability Excellence Award 2014 by World CSR Congress
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Best in class Corporate Social Responsibility Practices Awards 2014 by CMO Asia
Best Bank-Public Sector by BFSI
Asia Sustainability Excellence Award 2014 by World CSR Congress
Best Trade Finance Provider-India 2015 by Global Finance Magazine
Best Trade Finance Bank in India by the Asian Banker Magazine
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402/13/2015 3:37 PM