q1fy16 sbi analyst pptsbi... · certain statements in these slides are forward-looking statements....
TRANSCRIPT
Q1FY16
Quarterly Results
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.
All financial and other information in these slides, other than financial
State Bank of India 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.
Agenda
Our 6 Key Objectives
Our Approach to Achieving Objectives
State Bank of India 3
Our Approach to Achieving Objectives
Our Q1 Performance
Our 6 Key Objectives: A Quick View
1
2
3
Improving Asset
Quality�Improving end- to- end credit process for
sustained improvement in Asset Quality
Cost Rationalization �Focus on Operating Expenses
Risk Management �Risk as an integral part of decision making
�Risk based budgeting
State Bank of India 4
4
5
6
Unleashing the power
of Digital
�Offering innovative, cutting edge digital
products and payment services
�Building strategic partnerships
Improving Customer
Delivery
�Simplifying and digitising sales and
delivery processes
�Improving customer service standards
Repositioning HR•Improving performance and motivating work
force for efficient resource planning
•Revamping the career development system
Agenda
Our 6 Key Objectives
Our Approach to Achieving Objectives
State Bank of India 5
Our Approach to Achieving Objectives
Our Q1 Performance
Improving Asset Quality: Reactive to Proactive1
Three Pronged Strategy Initiatives
� Sourcing
� Maintain high entry level standards for new customer acquisition
� Cash Flow based financing
� Encourage growth of risk-mitigated products
� Project Vijay for enhanced SME customer engagement
� Financing Agri supply chain, from Farm to Fork
� Agri loans through Corporate tie-ups
� Monitoring
� ‘Early Warning System’ software identifying incipient stress
� Digitisation of inspection process
� Introduction of Dynamic Rating
� SMS alerts for timely EMI payments
State Bank of India 6
� SMS alerts for timely EMI payments
� Tele-calling as a means of follow-up
� Resolution
� Streamlining post-stress legal & recovery processes
� Tele-calling small value stressed and written off accounts
� E-auction of properties
� Standardising process for sale to ARCs
302
421 430
Jun 13 Jun 14 Jun 15
Recovery in w/o accounts
5.11
3.192.19
0.84 1.25 1.01
Q1FY14 Q1FY15 Q1FY16
Slippage Ratio (%) Credit Cost (%)
Cost Rationalisation2
Optimizing Expenses Initiatives
� Rent
� Space Audit
� Network Optimization
� Roll out of 250 sbi INTOUCH Branches
� Centralisation of lease rentals and renewals
� Migration to Tech Channels � 72% through all tech channels, of which 41% through digital
� Stationery � Web based outsourced solution for stationery procurement
� Centralised Outsourced Cheque printing
� Insurance � Centralized insurance for cost rationalisation and expeditious claim
settlement
State Bank of India 7
settlement
� Efficiency in cash
management
� Optimizing number of Currency Chests
� High tech, end-to-end cash handling machines
� Cash in ATMs through predictive modelling
� Centralised Back Office � Back office centralisation in India for Foreign Offices
Operating
Expenses
18381 22504 23537
1090413222 15141
FY13 FY14 FY15
Overheads Staff Expenses
5565 5906
3152 3712
Q1FY15 Q1FY16
22.00
8.26
10.34
YOY%
Risk Management3
Key Initiatives Impact
� Risk Based Budgeting
introduced
� Risk based budgeting of business units
� Two key parameters : Return on Credit RWA &
Credit RWA to TLAs
� RAROC� Reference point for optimum allocation of
capital to increase returns (ROE/ROA)
� Dynamic Internal rating � Ongoing review/ assessment of Risk to facilitate
State Bank of India 8
� Dynamic Internal rating
review of borrowal accounts
� Ongoing review/ assessment of Risk to facilitate
early corrective actions
Risk Mitigated Portfolio of SME (% of Total)
20.525.3
30.9
Jun 13 Jun 14 Jun 15
Unleashing the Power of Digital4
Key initiatives Services
� Cutting edge digital
products
� Online Loan against Shares & FDs
� SBI – e forex
� Contact less Debit Cards
� Strategic partnerships � Amazon
� PayPal
� Snapdeal
� Ola cabs
� Others in Process
State Bank of India 9
� Others in Process
� Payments � SBI M- cash
� Xpress Collect Card
� Fx Out
� SBI Buddy – e-wallet (Launch forthcoming)
� INTOUCH � 250 branches to be opened this year
� Alternate Channels � 385 Tech Learning Centres for customers
� Cash recyclers for efficient cash handling
� Swayam – barcoded passbook printing and M Passbook
� No. 1 in volume in Mobile Banking
Improving Customer Delivery5
Key Initiatives Services
� Simplifying Delivery
� OCAS (Online Customer Acquisition Solution)
� CEEP (Customer Experience Excellence Programme)
� TATkal for expeditious home loan processing
� Revamping Corporate Salary Package
� Remote RM concept for servicing high value customers
� e- KYC Services
� More services through ATMs, INB, Mobile and Contact Centres
� 8850 talking ATMs and 2600 wheel chair friendly ramps
� Wealth Management services on the anvil
� Online registration for Net Banking, Nomination, INB password reset,
Linking of Adhaar/LPG customer ID, generation of Form 15G/H, Interest
State Bank of India 10
� ‘Bricks to Clicks’
Linking of Adhaar/LPG customer ID, generation of Form 15G/H, Interest
Certificates etc.
� SBI Quick, M- pass book
� SBI Rewardz : Enterprise wide programme to enhance Customer
engagement
ATM/CDM, 4
2.6INB, 17.0
KIOSK, 5.3
POS, 4.4 MBS, 2.3
Jun 15
Total
71.60%ATM/CDM, 3
7.5INB, 16.2
KIOSK, 3.1
POS, 3.2MBS, 1.6Jun 14
Total
61.60%
Share of Alternate Channels (%)
Repositioning Human Resources6
Key Initiatives Impact
� New Career Development
System (CDS)
• Aligning Performance Evaluation and incentives with Business
Objectives and Employee Aspirations
� Manpower Planning• Efficient allocation of human resources towards customer facing
roles
� Talent Management &
Capability Building
• Matching skills with roles
• Training to upgrade skills – extensive use of e-learning
� Improving Service
Standards• Senior Executives mentoring branch staff
• ‘CBS Roopantar’ for business process optimization
State Bank of India 11
� Technology to enhance
staff productivity
• ‘CBS Roopantar’ for business process optimization
• Using analytics for Lead Generation and Cross Sell/ Up sell
• State –of –the -Art HRMS
9.4410.64
12.3413.41
6.454.85
6.02 6.89
FY13 FY14 FY15 Q1FY16
Business Per Employee (Rs. in crores)
Profit Per Employee (Rs. in lacs)229151 222809 213238 213701
102097
129878
208019
52585
55.4541.71
2.450.00
10.00
20.00
30.00
40.00
50.00
60.00
0
50000
100000
150000
200000
250000
FY13 FY14 FY15 Q1FY16
No. of Employees No. of Employees Trained Training Gap(%)
25%
Trained
in Q 1
Training Gap
SBI well positioned across the entire GDP value chain
� Pan India (K2K) positioning with an universal appeal
� 3.5 lakh+ Touch Points
� 28.6 crore+ Active Customer Base
� #1 in all retail loans
� Financial Inclusion/PMJDY accounts 7.81 crores
� Leading term loan (35% of total credit) lender for large and mid
corporates
� Strong Investment Banking Arm
� Major Player in Project Finance
Consumption
Investment
State Bank of India 12
� Maximum dividends paid to Government
� 68% market share in receipts and payments in Government
Business
� Largest tax collector on behalf of Government of India
� International Banking Network of 191 Offices in 36 Countries
� Largest provider of export credit
� 976 Trade finance branches in India
� Trade and Capex facilitation lines with multilateral institutions
JBIC,K Exim,EIB,KFW Germany
Government
Trade
Agenda
Our 6 Key Objectives
Our Approach to Achieving Objectives
State Bank of India 13
Our Approach to Achieving Objectives
Our Q1 Performance
Performance Highlights
SOLO
YOY (%)Q1FY16
over
Q1FY15
Net Profit 10.25
Operating Profit 4.72
Net Profit
SOLO
Rs. 3,692 crores
(Rs.3,349 crores)
10.25%
State Bank of India 14
Non Interest Income 19.66
Fee Income 12.86
Gross NPA Ratio -61 bps
Net NPA Ratio - 42 bps
Figures in bracket indicate Q1FY15
10.25%
GROUP
Rs.4,714 crores
(Rs.4,448 crores)
5.97%
NII and Operating Profit
Rs in Crores Q1FY16 Q4FY15 Q1FY15
Q1FY16
Over
Q1FY15 (%)
Interest Income 39,643 40,101 36,487 8.65
Other Income 5,088 8,515 4,252 19.66
Total Income 44,731 48,616 40,739 9.80
State Bank of India 15
Interest Expenses 25,911 25,389 23,235 11.52
Net Interest Income 13,732 14,712 13,252 3.62
Operating Expenses 9,618 10,818 8,717 10.34
Operating Profit 9,202 12,409 8,788 4.72
Cost to Income ratio 51.10 49.85 49.80
Net Profit - a Snapshot
Rs in Crores Q1FY16 Q4FY15 Q1FY15
Q1FY16
over
Q1FY15(%)
Operating Profit 9,202 12,409 8,788 4.72
Total Provisions 5,510 8,667 5,439 1.31
Loan Loss 3,359 4,635 3,903 -13.96
Standard Assets 396 1,829 77 415.70
State Bank of India 16
Standard Assets 396 1,829 77 415.70
Investment Depreciation 180 -84 -552 132.62
Other Provisions 65 212 68 -5.02
Income Tax 1,510 2,074 1,942 -22.25
Net Profit 3,692 3,742 3,349 10.25
Components of Interest Income/Expenses
Rs in Crores Q1FY16 Q4FY15 Q1FY15
Q1FY16
over
Q1FY15(%)
Interest on Loans 28,582 28,269 27,560 3.71
Interest on Resources 10,254 9,635 8,266 24.04
Other Interest income 808 2,198 661 22.14
Total Interest Income 39,643 40,101 36,487 8.65
State Bank of India 17
Total Interest Income 39,643 40,101 36,487 8.65
Interest on Deposits 24,097 23,185 21,076 14.34
Interest on Borrowings 854 836 1,202 -29.00
Other Interest paid 960 1,368 957 0.31
Total Interest Expenses 25,911 25,389 23,235 11.52
Components of Other Income
Rs in Crores Q1FY16 Q4FY15 Q1FY15
Q1FY16
over
Q1FY15(%)
Fee Income 3,202 4,901 2,837 12.86
Profit/Loss on Sale of
Investments 872 1,659 587 48.67
Forex Income 489 535 433 12.86
State Bank of India 18
Dividend Income 32 616 20 63.46
Misc Income 492 804 375 31.20
of which:
Recovery in w/o accounts430 870 421 2.11
Total Other Income 5,088 8,515 4,252 19.66
Components of Fee Income
Rs in Crores Q1FY16 Q4FY15 Q1FY15
Q1FY16
over
Q1FY15(%)
Fee Income 3,202 4,901 2,837 12.86
of which :
Loan Processing Charges 381 1,027 355 7.27
Commission on Govt. Business 571 476 528 8.17
State Bank of India 19
Commission on LC/BG 768 842 675 13.90
Transaction Fees 801 1,636 707 13.36
Cross Selling 76 184 73 3.93
Others 605 736 500 21.00
Components of Operating Expenses
Rs in Crores Q1FY16 Q4FY15 Q1FY15
Q1FY16
over
Q1FY15(%)
Staff Expenses 5,906 6,567 5,565 6.14
of which : Salary 4,756 5,166 4,661 2.04
Contribution for Employees 1,151 1,401 904 27.32
Overheads 3,712 4,251 3,152 17.75
of which: Rent, Taxes and Lighting 854 911 758 12.75
Depreciation 392 41 302 29.61
State Bank of India 20
Depreciation 392 41 302 29.61
Printing and Stationery 77 155 66 16.23
Postage& Telecommunications 151 190 107 40.72
Repairs and Maintenance to
Bank's Property136 142 130 4.70
Travelling & Halting 170 196 172 -0.71
Insurance 417 462 374 11.63
Other Expenditure 1,514 2,154 1,243 21.76
Operating Expenses 9,618 10,818 8,717 10.34
Key Performance Indicators: Performance Ratios
Earning Per Share (Rs)
17.94 17.55
19.52
Jun 14 Mar 15 Jun 15
Book Value(Rs)
150.30160.84 162.54
Jun 14 Mar 15 Jun 15
State Bank of India 21
ROA (%)
0.740.68
0.72
Jun 14 Mar 15 Jun 15
ROE(%)
11.9411.17
12.30
Jun 14 Mar 15 Jun 15
Key Performance Indicators: Performance Ratios
Cost of Deposits (%)
10.50 10.5510.33
Jun 14 Mar 15 Jun 15
Yield on Advances (%)
6.34
6.39
6.35
Jun 14 Mar 15 Jun 15
State Bank of India 22
Domestic NIM (%)
3.54 3.543.29
Jun 14 Mar 15 Jun 15
Whole Bank NIM (%)
3.13 3.162.99
Jun 14 Mar 15 Jun 15
Jun 14 Mar 15 Jun 15
Retail Deposits Drive Growth
8,89,0327,52,029
88,618
87,754
FOs
TD
(% YOY growth)
(1)
(18)
Rs in Crores
State Bank of India 23
5,39,050 4,89,422
96,84589,710
Jun 15 Jun 14
CA
SB
16,13,545Total 14,18,915YOY Gr 13.72%
CASA
41.70%CASA
43.51%
(8 )
( 10)
17.16%16.54%Market
Share
Diversified Exposure Across Sectors
1,74,591 1,73,010
1,15,813 1,18,380
2,80,114 2,42,480
2,50,9502,23,758
36,268
32,312Misc
FOs
Retail
Agri
19
9
21
18
10
20
Rs in Crores
Share %
32
(% YOY growth)
(12 )
(12 )
(16)
( -2)
Share %
State Bank of India 24
2,55,964 2,26,261
2,00,035 2,16,087
1,74,591 1,73,010
Jun 15 Jun14
SME
MCG
CAG20
15
13
18
18
14
13,13,735Total 12,32,288
(1 )
( -7)
(13)
YOY Gr 6.61%
16.49%15.74%Market
Share
Diversified Exposure Across Industry
Rs in Crores
Product / Segment
Jun 15 Mar 15 Jun 14 Jun 15
Level % Share Level%
Share Level
%
ShareYOY Gr
%
YTD Gr
%
Infrastructure 1,71,914 16.18 1,77,253 16.10 1,53,136 15.18 12.26 -3.01
Iron & Steel 75,761 7.13 80,610 7.32 67,266 6.67 12.63 -6.02
Textiles 40,545 3.81 42,533 3.86 43,099 4.27 -5.93 -4.67
Petroleum &
Petrochemicals27,035 2.54 35,440 3.22 30,347 3.01 -10.91 -23.72
Engineering 27,796 2.62 27,696 2.52 25,925 2.57 7.22 0.36
State Bank of India 25
Engineering 27,796 2.62 27,696 2.52 25,925 2.57 7.22 0.36
Other Industries 1,71,543 16.14 1,84,844 16.79 1,82,428 18.09 -5.97 -7.20
Services 71,481 6.73 76,305 6.93 73,091 7.25 -2.20 -6.32
Trade 62,156 5.85 66,460 6.04 58,317 5.78 6.58 -6.48
Comm. Real Estate 18,627 1.75 17,540 1.59 14,061 1.39 32.48 6.20
Home Loans 1,63,678 15.40 1,59,237 14.46 1,44,210 14.30 13.50 2.79
Auto Loans 33,229 3.13 32,149 2.92 28,202 2.80 17.82 3.36
Other Retail Loans 83,207 7.83 81,043 7.36 70,067 6.95 18.75 2.67
Agriculture 115,813 10.90 119,782 10.88 118,380 11.74 -2.17 -3.31
Total Domestic Advances 10,62,785 100.00 11,00,892 100.00 10,08,530 100.00 5.38 -3.46
Retail Advances
58.4 59.5
11.9 11.65.5 6.2
24.2 22.7Other Per.
Education
Auto
Home72 75
28 25Above Rs.30 lacs
Upto Rs.30 lacs
Rs in Crores
Distribution of Retail Loans(%) Distribution of Home Loans(%)
State Bank of India 26
Jun 15 Jun 14
Level Home Auto Education Other Per. Total
Jun 14 1,44,210 28,202 14,945 55,122 2,42,480
Mar 15 1,59,237 32,149 15,464 65,579 2,72,429
Jun 15 1,63,678 33,229 15,449 67,758 2,80,114
YOY Growth Abs. 19,468 5,027 504 12,636 37,634
YOY Growth % 13.50 17.82 3.37 22.92 15.52
Jun 15 Jun 141,63,678 1,44,210TotalTotalTotalTotal 2,42,4802,80,114
SME Advances
Rs in Crores
8,931
29,404
10,886 10,631
4,695
1,042
29,533
8,0729,933
5,088
Jun 15 Jun 14
State Bank of India 27
Level ABL BillsDealer
FinanceCGTMSE OD B/S Fin Total
Jun 14 1,042 29,533 8,072 9,933 5,088 1,19,342 1,73,010
Mar 15 7,408 30,914 10,745 10,482 4,886 1,17,038 1,81,473
Jun 15 8,931 29,404 10,886 10,631 4,695 1,10,044 1,74,591
YOY Growth Abs. 7,889 -129 2,814 698 -393 -9,298 1,581
YOY Growth % 757.1 -0.4 34.9 7.0 -7.7 -7.8 0.91
1,042
ABL Bills Dealer Finance CGTMSE OD
Agri Advances
Rs. in Crores
92,351
4,117
1,336
15,595
94,765
5,306
1,265
19,458
Jun 15 Jun 14Agri Segmental Advances
State Bank of India 28
Crop production Farm Mechanization Horticulture Other Agri Term Loan
LevelCrop / Production
Investment/ Collateralized by Gold
out of A & BAgri
Allied Credit
(A) (B) Amt. Share % Total
Jun 14 92,351 26,029 40,281 34.03 1,18,380
Mar 15 95,651 24,131 40,546 33.85 1,19,782
Jun 15 94,765 21,048 38,805 33.51 1,15,813
YOY Abs. 2,414 -4,981 -1476 -2,567
YOY % 2.61 -19.14 -2.17
Capital Adequacy
Rs in Crores
3.19% 2.72% 2.70% 2.40% 2.38%Tier II
12.00%
Basel III
CAR% 12.33%12.44% 12.00%12.51%
State Bank of India 29
9.32% 9.72% 9.63% 9.60% 9.62%
Mar 13 Mar 14 Jun 14 Mar 15 Jun 15
Tier I
RWA 12,20,55211,28,60511,26,863
#
12,44,70810,05,640
# CET1 = 9.59 %
Non Performing Assets
51,189 61,605 60,434 56,72556,421
Mar 13 Mar 14 Jun 14 Mar 15 Jun 15
4.75%
Gro
ss N
PA
4.95% 4.90% 4.25%
2.57% 2.66%
4.29%
Rs in Crores
State Bank of India 30
21,95631,096 31,884
27,591 28,669
Mar 13 Mar 14 Jun 14 Mar 15 Jun 15
Ne
t N
PA
2.10%
2.57% 2.66%2.12%
* PCR % 66.58 62.86 62.68 69.13 69.49
2.24%
* Provision Coverage Ratio
Gross NPAs by Sector
Break-up of Gross NPAs
Sector
Jun 15 Mar 15 Jun 14
NPA Ratio % NPARatio
%NPA Ratio%
Large
Corporate1,026 0.40 1,510 0.54 1,441 0.64
Mid 21,468 10.30 23,029 9.76 24,632 10.98
Sector-wise Gross NPAs to Total
Gross NPAs %
19.2 18.8 19.7
5.8 4.5 5.84.5 4.6 6.0
1.8 2.6 2.4Intl.
Agri.
Retail
Large Corp
Rs in Crores
State Bank of India 31
Mid
Corporate21,468 10.30 23,029 9.76 24,632 10.98
SME 17,260 8.55 16,387 7.78 15,373 7.78
Agri 10,856 9.36 10,652 8.90 11,884 10.04
Retail 3,272 1.17 2,528 0.93 3,499 1.45
International 2,540 1.01 2,619 1.17 3,605 1.61
Total 56,421 4.29 56,725 4.25 60,434 4.90
38.1 40.6 40.7
30.6 28.9 25.4
Jun 15 Mar 15 Jun 14
SME
Mid-Corp
Movement of NPAs
Q1FY16 Q4FY15 Q1FY15
Opening Level of Gross NPAs 56,725 61,991 61,605
Less :Recovery 1,209 4,485 3,185
Less: Upgradation 1,494 676 1,362
Less :Write-off 4,919 4,874 6,556
Rs in Crores
State Bank of India 32
4,919 4,874 6,556
Add: Fresh Slippages 7,318 4,769 9,932
Net Increase -304 -5,266 -1,171
Closing Level of Gross NPAs 56,421 56,725 60,434
Recovery in W/o Accounts 430 870 421
Details of Restructured Assets
Q1FY16
Particulars Std. NPA Total
1 Restructured Accounts as on 01.04.2015 55,843 15,386 71,229
2 Fresh Restructuring + Increase in O/S 3,936 2,076 6,012
3 Upgradation to Restructured Standard category 193 -193 0
Rs in Crores
State Bank of India 33
4Restructured Standard Advances upgraded to full
Standard advances -1,014 0 -1,014
5 Downgradations of Restructured accounts -1,182 1,182 0
6 Write-off + Decrease in O/S + Closures 1,822 3,085 4,907
7Total Restructured Accounts as on Jun 30,
201555,954 15,366 71,320
Movement of Impaired Assets
Jun 15 Mar 15 Dec 14 Sep 14 Jun 14
1. Gross Advances 13,13,735 13,35,424 12,65,483 12,42,638 12,32,288
2. Gross NPAs 56,421 56,725 61,991 60,712 60,434
3. Net NPAs 28,669 27,591 34,469 32,997 31,884
4. Restructured Standard 55,954 55,843 46,542 43,962 42,236
Rs in Crores
State Bank of India 34
4. Restructured Standard 55,954 55,843 46,542 43,962 42,236
5. Total Gross NPAs plus
Restructured Std. ( 2+4 )1,12,375 1,12,568 1,08,533 1,04,674 1,02,670
6. Total Net NPAs plus Restructured
Std. ( 3+4 )84,623 83,434 80,999 76,959 74,120
7. Gross NPA + Restructured
Standard to Gross Adv. % ( 5÷1 ) 8.55 8.43 8.58 8.42 8.33
8. Net NPA + Restructured Standard
to Gross Adv. % ( 6÷1 ) 6.44 6.25 6.40 6.19 6.01
We Touch LivesH
Total Touch
Branches
16,377
Group
Touch Points Customer Base
Total
Debit card
holders
20.8 crores
Fin.
State Bank of India 35
Total Touch Points
3.5 lacs
Group ATMs
55,768
POS
2.2 lacs
CSPs
59,516
Total Customers
28.6 crores
INB
2.3 crores
Mobile
1.6 crores
Fin.
Inclusion/
Jan Dhan
7.8 crores
Enormous Physical Footprints
49
118
174
Jun 13 Jun 14 Jun 15
POS Transactions (in Lacs)
130 154238
Jun 13 Jun 14 Jun 15
Mobile Banking
Transactions (in Lacs)
13.3118.82
28.22
Jun 13 Jun 14 Jun 15
Internet Banking
Transactions (in Crores)
State Bank of India 36
56.9968.77
81.52
Jun 13 Jun 14 Jun 15
ATM Transactions (in Crores)
5,2206,826 7,520
Jun 13 Jun 14 Jun 15
Debit Card spends (Rs. in Crores )
2.67
4.08 4.53
Jun 13 Jun 14 Jun 15
Contact CentresAvg no of Calls handled per
Day (in Lacs)
Financial Inclusion
2.033.53 3.95 3.76 3.95
3.33 3.86
Mar '13 Mar '14 Mar '15 Jun '14 Jun '15
PMJDY Pre-Jan Dhan
Financial Inclusion Accounts ( in Crores)
7.287.81
10482182
4415
2234
5125
Mar '13 Mar '14 Mar '15 Jun '14 Jun '15
Financial Inclusion Deposits
(Rs. in Crores)
State Bank of India 37
3.89
7.07
14.16
2.70
5.44
Mar '13 Mar '14 Mar '15 Jun '14 Jun '15
Transactions through BC Channel(No. in Crores)
(3 Months)
13032
22525
38972
825213911
Mar '13 Mar '14 Mar '15 Jun '14 Jun '15
Transactions (Amt. Rs. in Crores)
(3 Months)
Financial Inclusion in SBI (contdH)
517
618606
656
Mar '13 Mar '14 Mar '15 Jun '15
Average Balance (Rs.)
55 54 53
49
69
56
Mar '13 Mar '14 Mar '15 Jun '15
F.I A/cs
PMJDY A/cs
Zero Bal. A/cs (%)
State Bank of India 38
Mar '13 Mar '14 Mar '15 Jun '15
Financial Literacy
� 117 RSETIs of our Bank conducted
10,536 training programmes. 2.79 lac
Youth trained, of which 49% got
settled.
� 214 Financial Literacy Centres (FLCs)
conducted 30,892 outdoor
activities, wherein 19.61 lac persons
participated.
Social Security Schemes (Enrolment up to 09.08.2015)
�Pradhan Mantri Suraksha
Bima Yojana: 131.40 lac
�Pradhan Mantri Jeevan Jyoti
Bima Yojana: 33.15 lac
�Atal Pension Yojana: 1.45 lac
Mar '13 Mar '14 Mar '15 Jun '15
SBI on Social Media
• Total Videos Uploaded – 161
• Current Number of Subscribers - 8,621
• Current Number of views - 20,05,091
• Total No of Followers at present – 2,50,008
� State Bank of India among the Top 10 Banks world-wide in the list of
Power 100 Banks Using Social Media - Report by The Financial Brand
State Bank of India 39
• Average Rise in Followers – 1300 per day
• Expected to surpass 3.00 Lakh followers by end of this month
• Current Fanbase – 32,83,580
• Fanbase increased by over 12.31% over the last month i.e. a total
of 3.50 lac fans were added during the month
Recently joined LinkedIn. Launching soon on Pinterest and Instagram….
Performance Highlights of Associate Banks- Net Profit
Name Q1FY16 Q4FY15 Q1FY15
Q1FY16
Over
Q1FY15(%)
SBBJ 271 280 215 26.11
SBH 251 446 227 10.66
SBM 94 136 75 25.81
Rs in Crores
State Bank of India 40
SBP 140 126 136 3.52
SBT 81 192 50 62.54
Total ABs 838 1,180 702 19.31
SBI 3,692 3,742 3,349 10.25
Performance Highlights of Non-Banking Subsidiaries- Net Profit
NameQ1FY16 Q4FY15 Q1FY15
Q1FY16
over
Q1FY15(%)
SBI Life Insurance Company Pvt. Ltd 202 205 241 -16.16
SBI Capital Markets Ltd 44 122 55 -17.76
Rs in Crores
State Bank of India 41
SBI Funds Management P Ltd 46 48 39 17.54
SBI Cards & Payment Services P Ltd 62 15 114 -45.72
SBI Group 4,714 4,694 4,448 5.97
Performance Highlights of ‘Non-Banking Subsidiaries’
� SBI Life registered 42% growth in New Business Premium.
� Gross Written Premium grew by 32%.
� Market share of New Business Premium (private) grew to 14.6%
from 12.9%.
� Assets Under Management grew by 18% to Rs. 72,785 crs.
� Focus on Retail.
� Average AUM grew by 25.25% to Rs. 86,693 crs in Q1 FY16
against Rs.69,213 crs in Q1 FY15 - YoY.
� (In Q1 FY 16 Average AUM grew by 11.7% in comparison to Q4
of FY15 (Industry grew by 3.4%) .
State Bank of India 42
of FY15 (Industry grew by 3.4%) .
� Market share improved by 52 bps to 6.82% during the Q1 FY16
as against 6.30% in Q4 of FY15 which is highest in the industry.
� 87% of Equity assets are in top two quartiles and 86% of Debt
assets (Direct Plan) are in top two quartiles.
� SBI Card is the 3rd largest issuer of credit cards with 15 %
market share.
� Cards In Force improved by 12% to 32.7 lacs in June’15
against 29.2 lacs in June’14.
� Improved rank in Spends to 4th position from 5th with 12% of
market share.
Balance Sheet (Solo)
Liabilities
(Rs in Crores) Jun-15 Mar-15 Jun-14YOY
Growth (%)
Capital 757 747 747 1.35
Reserves and Surplus 1,35,208 1,27,692 1,21,052 11.69
Deposits 16,13,545 15,76,793 14,18,915 13.72
Borrowings 2,06,661 2,05,150 1,87,328 10.32
Other Liabilities & Provisions 94,934 1,37,698 86,359 9.93
Total Liabilities 20,51,104 20,48,080 18,14,401 13.05
State Bank of India 43
Total Liabilities 20,51,104 20,48,080 18,14,401 13.05
Assets
Cash & balances with RBI 77,227 1,15,884 73,449 5.14
Balance with Banks & Money at Call and
Short Notice37,009 38,872 30,229 22.43
Investments 5,62,879 4,81,759 4,36,101 29.07
Net Advances 12,80,127 13,00,026 11,98,903 6.77
Fixed Assets 9,428 9,329 8,143 15.78
Other Assets 84,434 1,02,210 67,577 24.95
Total Assets 20,51,104 20,48,080 18,14,401 13.05
Balance Sheet (Consolidated)
Liabilities
(Rs in Crores) Jun 15 Mar-15 Jun-14YOY
Growth (%)
Capital 757 747 747 1.35
Reserves and Surplus 1,69,253 1,60,641 1,51,371 11.81
Minority Interest 5,794 5,497 5,020 15.41
Deposits 21,03,799 20,52,961 18,72,302 12.36
Borrowings 2,42,393 2,44,663 2,25,775 7.36
Other Liabilities & Provisions 1,90,618 2,35,601 1,68,478 13.14
State Bank of India 44
Total Liabilities 27,12,615 27,00,110 24,23,692 11.92
Assets
Cash & balances with RBI 1,00,401 144,288 95,143 5.53
Balance with Banks & Money at Call and
Short Notice47,584 44,194 42,742 11.33
Investments 7,71,536 673,507 6,19,487 24.54
Net Advances 16,67,769 1,692,211 15,64,199 6.62
Fixed Assets 12,515 12,379 10,821 15.65
Other Assets 1,12,810 133,531 91,300 23.56
Total Assets 27,12,615 2,700,110 24,23,692 11.92
Awards & Accolades
Brand of the Year 2015
Socially Responsible Bank –
Magna Awards ’15
Excellence & Leadership in CSR &
Innovations in CSR Practices
Golden Peacock Award for CSR
State Bank of India 45
Golden Peacock Award for CSR
Ranking Improved to 59 from 64
Best Bank (Public Sector)
Excellence in Emerging Technologies
for Large Enterprises Category
State Bank of India 46