WEB Final Analyst PPT Q3FY14 - State Bank of India · DICGC Insurance 288 201 43.16 825 669 23.25 ECGC Premium 19 33 -41.62 96 98 -1.96 CGTMSE Premium 12 76 27 181.48 Depreciation

Q3FY14

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.

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

Sequential Growth

(Q3FY14 over Q2FY14)

Other Income 25.51%

Operating Income 8.38%

Overheads -1.58%

Operating Profit 20.70%

Expense Ratio -44 bps

3

Expense Ratio -44 bps

CASA Ratio 31 bps

Market Share

Deposits 16.58% (+0.11% YoY)

Advances 16.53% (+0.10% YoY)

Home Loans 26.05% (+0.38% YoY)

Auto Loans 21.96% (+1.32% YoY)

Capital Adequacy Ratio Tier I 9.24% Overall 12.15%

Capital Adequacy Ratio(Post Capital Raising)

Tier I 10.18% Overall 13.27%

NII and Operating Profit (1/2)

Rs. In Crores Q3FY14 Q3FY13 YOY % 9M FY14 9M FY13 YOY %

Interest Income 34870 30365 14.84 100537 88906 13.08

Other Income 4190 3627 15.54 11956 10455 14.36

Total Income 39060 33992 14.91 112493 99361 13.22

Interest Expenses 22230 19189 15.85 64147 55620 15.33

4

Interest Expenses 22230 19189 15.85 64147 55620 15.33

Net Interest Income 12640 11176 13.10 36390 33286 9.33

Staff Expenses 5867 4351 34.84 17225 12769 34.90

Overheads 3345 2661 25.71 9640 7651 25.99

Operating Expenses 9212 7012 31.38 26865 20420 31.56

Operating Profit 7618 7791 -2.21 21481 23321 -7.89

Net Profit - a Snapshot (2/2)

Rs. In Crores Q3FY14 Q3FY13 YOY % 9M FY14 9MFY13 YOY %

Operating Profit 7618 7791 -2.21 21481 23321 -7.89

Total Provisions 5384 4395 22.51 13631 12515 8.91

-Income Tax 1235 1727 -28.51 3587 5565 -35.55

-Loan Loss 3429 2766 23.95 8340 7394 12.80

5

-Investment Depr. 621 -129 -581.05 1160 -910 -227.57

Of which:

Domestic 185 -173 -206.83 378 -961 -139.28

Foreign 436 45 877.86 783 52 1419.03

-Standard Assets 196 63 209.28 732 483 51.57

-Other Provisions -95 -32 193.01 -188 -17 1020.09

Net Profit 2234 3396 -34.21 7850 10806 -27.35

Interest on Loans 26310 22800 15.39 75535 67473 11.95

Interest on Resources 8320 7182 15.84 24037 20545 17.00

Other Sundry Interest 241 383 -37.10 965 888 8.68

Rs. In Crores

Components of Interest Income/Expenses

Q3FY14 Q3FY13 YOY % 9MFY14 9MFY13 YOY %

Total Interest Income 34870 30365 14.84 100537 88906 13.08

Interest on Deposits 20112 17173 17.11 57474 50047 14.84

Interest on Borrowings 1207 1116 8.13 3890 2752 41.38

Other Sundry Interest 911 900 1.33 2783 2821 -1.37

Total Interest Expenses 22230 19189 15.85 64147 55620 15.33

6

Components of Other Income

Rs. In Crores

Fee Income 2971 2559 16.13 8144 7610 7.01

Profit/loss on Sale of

Investments 238 418 -42.99 1676 869 92.83

of which:

Domestic 201 334 -39.82 1489 718 107.29

Foreign 37 84 -56.14 187 151 23.93

Q3FY14 Q3FY13 YOY % 9MFY14 9MFY13 YOY %

7

Forex Income 644 418 53.76 1190 1184 0.52

Dividend Income 8 0 45 79 -42.33

Misc. Income 329 232 42.00 901 713 26.38

of which:

Recovery in W/o accounts326 229 42.50 901 680 32.53

Total Other Income 4190 3627 15.54 11956 10455 14.36

Components of Fee Income

Rs. In Crores Q3FY14 Q3FY13 YOY % 9MFY14 9MFY13 YOY %

Loan Processing Charges 692 764 -9.42 1641 1841 -10.86

Commission on Govt. Busi. 409 351 16.53 1255 1281 -2.10

Commission on LC/BG 730 608 20.00 2050 1867 9.83

8

Transaction Fees 598 452 32.35 1690 1453 16.30

Commission on Collection 95 69 38.36 271 227 19.47

Misc Fee Income 448 315 41.97 1237 941 31.42

Total Fee Income 2971 2559 16.13 8144 7610 7.01

Normal Wage Payment 4059 3608 12.50 11999 10643 12.74

Provision for Wage Revision 453 1365

Total Payment to Employees 4512 3608 25.06 13364 10643 25.57

Normal Pension/Gratuity Contribution 644 743 -13.36 1726 2125 -18.80

One time Provision for Pension –

Change in Mortality Table600 1800

Payment for Pension & Gratuity due to 111 335

Operating Expenses

Rs. In CroresQ3FY14 Q3FY13 YOY %

9MFY14 9MFY13YOY %

Payment for Pension & Gratuity due to

Wage Revision111 335

Provision for Superannuation

Benefits1355 743 82.32 3861 2125 81.65

Normal Staff Expenses 4703 4351 8.09 13725 12769 7.49

Additional Total Provisions 1164 3500

Total Staff Expenses 5867 4351 34.84 17225 12769 34.90

Overhead Expenses 3345 2661 25.71 9640 7651 25.99

Total Operating Expenses

(Excluding Provisions)8048 7012 14.78 23365 20420 14.42

Total Operating Expenses 9212 7012 31.38 26865 20420 31.56*

9* Growth in Operating Expenses excluding one time pension cost is 21.55%

Components of Overheads

Rs. In Crores Q3FY14 Q3FY13 YOY % 9MFY14 9MFY13 YOY %

Rent Taxes 480 406 18.17 1403 1141 22.95

Insurance on Business 319 234 36.25 996 794 25.53of which:

DICGC Insurance288 201 43.16 825 669 23.25

ECGC Premium 19 33 -41.62 96 98 -1.96

CGTMSE Premium 12 76 27 181.48

Depreciation 378 313 20.81 991 794 24.81

Lighting 246 207 19.10 744 615 21.02

10

Lighting 246 207 19.10 744 615 21.02

ATM Interchange Fees 273 212 28.90 764 629 21.39

Hiring of Services 320 201 59.43 768 496 54.81

P & T Telephone 192 135 41.58 507 348 45.49

Travelling Expenses 157 111 41.80 459 335 37.03

Repairs and Maintenance 110 95 15.19 320 269 18.85

Printing and Stationery 59 53 10.99 197 152 29.29

Advt. & Publicity 47 78 -39.74 169 182 -7.22

Halting Allowances 47 45 4.63 149 138 7.83

Insurance of Bank's property 89 43 106.85 122 104 18.08

Misc Expenses 629 529 18.95 2052 1655 23.97

OVERHEADS 3345 2661 25.71 9640 7651 25.99

9700

10482

11519 1159111125

1097411154 11078

1151212251

12641

7242 7474 7260

9597

8177

73547791 7761 7551

6312

76188000

10000

12000

14000

Rs. In crores

Quarterly Movement in Income Parameters

(Sequential Growth %)

(20)

(8)

(10) (1 )

(32)

(-4)

(-15)

(-1) ( 2 )

(6)

Net Intt.

Income

Operating

Profit

(-1)

(-0.4)

( 4 )

(-3)

( 6 )

( 3 )

1584

28103263

40503752 3658

3396 3299 3241

2375 2234

6312

0

2000

4000

6000

Q1FY12 Q2FY12 Q3FY12 Q4FY12 Q1FY13 Q2FY13 Q3FY13 Q4FY13 Q1FY14 Q2FY14 Q3FY14

(19)(3) (-3)

(78)(16)

(24)

(-15)

(-7)

11

(-10)

(-2)

(6)

(-7)

Net Profit-

Solo

(-0.4)

(-3)

(-3)

(-2)

(-16 )

( -27 )(7484)

(21)

( -6 )

3.633.89

3.994.13 4.17

3.863.77 3.72 3.66

3.45 3.47 3.49

Movement in Net Interest Margin ( in % )

Cumulative Domestic NIM

Base Rate

8.50(25.04.2011) 25 bps

(20.09.2012)

5 bps(04.02.2013)

10 bps(19.09.2013)

20 bps(07.11.2013)75 bps

25 bps(11.07.2011)

50 bps(13.08.2011)

Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 Dec 13

12

NIM Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Sep-12 Dec-12 Mar-13 Jun-13 Sep 13 Dec-13

Domestic 3.63 3.89 3.99 4.13 4.17 3.86 3.77 3.72 3.66 3.45 3.47 3.49

FOs 1.37 1.66 1.70 1.72 1.67 1.77 1.58 1.52 1.50 1.49 1.50 1.49

Whole Bank 3.32 3.62 3.71 3.84 3.85 3.57 3.45 3.41 3.34 3.17 3.18 3.19

(20.09.2012) (04.02.2013) (19.09.2013) (07.11.2013)75 bps(12.05.2011)

11.26 11.16 11.02 10.89 10.80

10.23 10.32 10.40

5.88 6.22 6.23 6.23 6.25 6.21 6.22 6.25

3.50

4.50

5.50

6.50

7.50

8.50

9.50

10.50

11.50

8.00

9.00

10.00

11.00

12.00

Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep-13 Dec-13

Yield on Advances Cost of Deposits

Yield on Advances /Yield on Assets Cost of Deposits

Domestic : Costs & Yields( in % )

Yield on Investments

6.06 6.37 6.38 6.37 6.40 6.34 6.38 6.40

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

Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep-13 Dec-13

Cost of Funds

13

Rs. In Crores

Retail Deposits drive Growth

LevelYTD Growth

Dec 13*

YTD Growth

Dec 12*

YOY Growth

Dec-13

Dec 13 Dec-12 Dec 11 Amt. % Amt. % %

Whole Bank

Deposits 1349940 1156691 1000965 147200 16.32 113044 14.44 16.71

Domestic Deposits 1258622 1078212 941432 128485 15.16 95998 13.03 16.73

Deposits at FOs 91317 78479 59533 18715 34.37 17046 37.00 16.36

Term Deposits # 706237 587212 494074 101588 22.40 63118 16.06 20.27

14

Bulk DIR : 1.84 % of Domestic Deposits

Of which: 559847 461585 38814486612 24.40 49300 15.94 21.29

Retail TDs (%) (79.27) (78.61) (78.56)

Current Account 86552 80094 79462-24029 -28.97 -18179 -24.66 8.06

(%) (6.88) (7.43) (8.44)

Savings Bank 465833 410906 36789650926 16.37 51059 18.92 13.37

(%) (37.01) (38.11) (39.08)

CASA 552385 491000 447358 26897 6.82 32880 9.57 12.50

CASA Ratio-

Domestic (%)43.89 45.54 47.52 -8.36 -4.83 -3.05

*Annualised

Term Deposits (excluding) FCNR (B) Deposits: of Rs.41565 crores in Dec 13 and Rs.19,080 crores in Dec 12 a growth of

16.98%. FCNR (B) Deposits mobilized through special scheme : Rs..18,999 crores

140.0

103.9

0.700.66

Savings Bank Current Account

Number of New Accounts opened during Quarter

Robust Growth in Customer Acquisition In lacs

80.783.0

103.9

Q3FY13 Q1FY14 Q2FY14 Q3FY14

0.59

0.66

0.60

Q3FY13 Q1FY14 Q2FY14 Q3FY14

15

124834 123447199824

209694230827

172149169065

2176953139826402

32791Misc

FOs

Retail

Agri

Diversified Exposure across Sectors

17

20

18

10

19

Rs. In Crores

Share %

3

3

(% YTD growth)

* *

(24)

(29)

(10)

(-1)

156684 175594 199658

175025 199947 219295

158598173021

160010115432

124834 123447

Dec 12 Mar 13 Dec 13

Agri

SME

MCG

CAG16

17

11

16

20

17

19

10

14

1009110Total 1183723

16* Includes Indirect Agri (SME & MCG) : Rs. 15202 crs (Dec 12); Rs.16250 crs(Mar 13) ;Rs. 10200 crs (Dec 13)

YOY Gr. 17.30 %

* * *

(-1)

(-8)

(10)

(14)

YTD Gr. 9.75 %

1078557

Rs. In crores

Key Exposures: Domestic

Product / SegmentDec 13 Mar 13 Dec 12 Dec 13

Level % Share Level % Share Level % Share YOY Gr %

Infrastructure 134880 13.96 114524 12.59 105190 12.57 28.22

Iron & Steel 63411 6.56 64067 7.04 56531 6.75 12.17

Textiles 44460 4.60 45766 5.03 41975 5.02 5.92

Petroleum & Petrochemicals 38090 3.94 35809 3.94 29502 3.52 29.11

Engineering 26941 2.79 26273 2.89 26182 3.13 2.90Engineering 26941 2.79 26273 2.89 26182 3.13 2.90

Other Industries 179424 18.57 172406 18.96 161610 19.31 11.02

Services 65681 6.80 62724 6.90 54719 6.54 20.03

Trade 53371 5.52 56748 6.24 50043 5.98 6.65

Comm. Real Estate 15697 1.62 12896 1.42 11154 1.33 40.73

Home Loans 135129 13.99 119467 13.14 113163 13.52 19.41

Auto Loans 27698 2.87 24800 2.73 22846 2.73 21.24

Other Retail Loans 68000 7.04 65427 7.19 63815 7.62 6.56

Direct Agriculture 113247 11.72 108584 11.94 100230 11.98 12.99

Total Domestic Advances 966028 100.00 909492 100.00 836961 100.00 15.42

17

Infrastructure Credit – Fund Based

2281623035

2144413896

14413

1467518577

19309

21086Other

Road &

Ports

Telecom

16

11

16

22

13

18

Share %

in InfraRs. In crores (% YTD growth)

(9)

(-7)

(2)

49901 5776777675

Dec 12 Mar 13 Dec 13

Power

105190Total Infra 134880

5847

18

100 100

(34)

114524

YOY Gr.28.22% YTD Gr.17.77%

58 57

12 116 7

22 25Other Per.

Education

Auto

Home

Retail Advances

77 80

23 20Above Rs.30 lacs

Upto Rs.30 lacs

Rs. In crores

Distribution of Retail Loans(%) Distribution of Home Loans(%)

Dec 13 Dec-12

Level Home Auto Edu Other Per. Total

Dec 12 113163 22846 13603 50212 199824

Mar 13 119467 24800 13751 51676 209694

Dec 13 135129 27698 14838 53162 230827

YOY Growth Abs. 21966 4852 1235 2950 31003

YOY Growth % 19.41 21.23 9.08 5.88 15.525 year CAGR(%) 19.05 20.79 15.10 8.79 16.18

Market Share %* 26.05 21.96 25.04

Dec 13 Dec 12135129 113163TotalTotal

19

TotalTotal 199824230827

Market Share: Home Loans 26.05% in Dec 13 increased from 25.67% in Dec 12,

Auto Loans: Dec 13:21.96% increased from 20.64% in Dec 12

* Source: ASCB data as per RBI Bulletin

Break-up of Direct Agri

Agri Advances

6454

2111

5538

12822

5724

1940

5352

13415

5000

10000

15000Dec 12 Dec 13

(Rs. In crores)

73306

86816

60000

70000

80000

90000

Farm Mech Irrig. & Land Devp. SHGs Other Direct

0

20

Level

Crop /

Production

Investment/

Allied Credit

Total Direct

AgriOut of which:

collateralized by Gold

Indirect

Agri

Total

Agri

Amt. Share %

Dec 12 73306 26924 100230 30337 30.27 15202 115432

Mar 13 77763 30821 108584 33409 30.77 16250 124834

Dec 13 86816 26431 113247 36743 32.45 10200 123447

YOY Abs. 13510 -493 13017 6406 -5002 8015

YOY % 18.43 -1.83 12.99 21.12 -32.90 6.94

Crop/Prod.

50000

73.6

76.3 76.775.8

78.6 78.5 77.876.6

79.282.4

78.880.5

78.7

72.275.7 74.9

74.075.2

78.176.4 75.8

77.6 78.076.4

78.376.7

Mar 10 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 Dec 13

SBI

ASCB

CD RATIO

CD Ratio & Market Share ( in % )

Market Share

16.39

16.29 16.31

16.4116.47 16.46

16.51

16.76

16.58

Mar 11Mar 12 Jun 12 Sep 12Dec 12Mar 13 Jun 13 Sep 13Dec 13

16.38

16.09

16.2516.18

16.43

16.6616.56

16.91

16.53

Mar 11Mar 12 Jun 12 Sep 12Dec-12Mar 13 Jun 13 Sep 13Dec 13

DEPOSITS ADVANCES

21

Market Share

Capital Adequacy

3.43% 3.19%3.03% 2.96% 2.91%

2.91%Tier II

11.69%12.92%

Basel II

12.51% 11.59%

Basel IIIBasel III (with

Retained Profit)

11.85%CAR% 12.15%

22

9.49% 9.32% 8.82% 8.73% 8.68% 9.24%

Mar 13 Mar-13 Jun 13 Sep 13 Dec 13 Dec 13

Tier I

RWA 1000944 10703991005640 10696611061660

#

# CET 1 = 8.55% $ CET 1 = 9.11%

$

1070399

$

Capital Position: Post CET 1/Tier II Bonds Infusion

Rs in Crores

DECEMBER 13

Without Plough

Back of Profits

Capital Infusion Capital Ratios after

Infusion

Plough

Back of

9MFY14

Profits

Capital Ratios With

Plough Back of

ProfitsGOI QIP Bonds

RWAs 1070399 1070399 1070399

CET 1 91536 8.55% 2000 7977 101513 9.48% 6023 107536 10.05%

23

CET 1 91536 8.55% 2000 7977 101513 9.48% 6023 107536 10.05%

AT 1 1392 0.13% 1392 0.13% 1392 0.13%

Tier 1 92928 8.68% 102905 9.61% 108928 10.18%

Tier II 31144 2.91% 2000 33144 3.10% 33144 3.10%

Total 124072 11.59% 2000 7977 2000 136049 12.71% 142072 13.27%

Rs. In crores / (%)

Asset Quality

39676 47156 4920253458 51189 60891 64206 67799

Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 Dec 13

Gross NPAs

(5.73%)

Sequentially , Gross and Net NPA Ratios

are up by 9 bps and 33 bps respectively.

(4.44%)(4.99%) (5.15%)

(5.30%) (4.75%) (5.56%) (5.64%)


64.29PCR % 68.10

24

62.78 61.49 66.58 60.60

15819 20324 22615 25370 21956 29990 32151

37167


Net NPAs

(1.82%) (2.22%) (2.44%) (2.10%)(2.59%) (2.83%)

60.16

(2.91%)

58.32

(3.24%)

Break-up of Gross NPAs

Sector

Dec 13 Sep 13 Mar 13

NPARatio

%NPA

Ratio

%NPA

Ratio

%

Large

Corporate3658 1.83 3308 1.66 1000 0.57

Sector-wise Gross NPAs to Total Gross

NPAs %

18.5 19.6 19.8

6.1 6.48.3

5.7 6.15.5

5.4 5.2 2.0

Intl.

Agri.

Retail

Large Corp

Gross NPAs by SectorRs. In Crores

Mid

Corporate26191 11.39 23467 10.21 18443 8.67

SME 17382 9.09 16814 9.13 14528 7.16

Agri 12570 10.95 12588 11.10 10138 9.39

Retail 4103 1.78 4109 1.84 4269 2.04

International *3895 1.79 3920 2.07 2811 1.66

Total 67799 5.73 64206 5.64 51189 4.75

25

38.6 36.5 36.0

25.6 26.2 28.4

18.5 19.6

Dec 13 Sep 13 Mar 13

Agri.

SME

Mid-Corp

*Translation effect Rs 429 cr

Q3FY14 Q2FY14 Q1FY14 FY13

Opening Level of Gross

NPAs64206 60891 51189 39676

Cash Recovery 1538 1414 1397 4766

Up gradation 1230 2383 1519 10119

Movement of NPAs(Quarter on Quarter) (1/2)Rs. In Crores

Write off 5077 1253 1148 5594

Fresh Slippages 11438 8365 13766 31993

Net Increase 3593 3315 9702 11513

Closing Level of Gross

NPAs67799 64206 60891 51189

Recovery in W/o Accounts 326 273 302 1066

26

Particulars

Cash

Recovery

Up-gradation

Q3FY14

Large

Corp.

Mid.

CorpSME Agri Retail Intl. Total

4 459 512 155 161 247 1538

253 159 309 290 219 0 1230

Sector-wise Movement of NPAs – Q3FY14 (2/2)

Rs. In crores

Q2FY14

Large

Corp.

Mid.

CorpSME Agri Retail Intl. Total

31 65 538 496 226 58 1414

-- 1143 461 308 383 88 2383Up-gradation

Write off

Gross

Reduction

Fresh

Slippages

Net Increase

253 159 309 290 219 0 1230

431 3610 901 13 122 0 5077

688 4228 1722 458 502 247 7845

1038 6952 2290 440 496 222 11438

350 2724 568 -18 -6 -25 3593

27

-- 1143 461 308 383 88 2383

293 451 207 2 270 30 1253

324 1659 1206 806 879 176 5050

753 4796 1164 675 135 841 8365

429 3137 -42 -131 -744 665 3315

Movement of Restructured Assets

Amount In Crores

Particulars Standard NPA Total

1Restructured Accounts as on 1st October,

2013 (Opening position)39160 13278 52438

2Fresh Restructuring + Increase in O/S

during the current quarter3924 2241 6165

3Up gradation to restructured standard

category during current quarter57 -57 0

Restructured Standard Advances which

28

4

Restructured Standard Advances which

ceases to attract higher provisioning and/

or additional risk weight at the end of the

quarter and hence need not be shown as

restructured standard advances at the

beginning of the next quarter

-475 0 -475

5Down gradations of restructured accounts

during current quarter-1681 1681 0

6 Write-offs + Closures + Decrease in O/S -1580 -457 -2037

7*Total Restructured Accounts as on

December 31,2013 (Closing Position)39404 16687 56091

*Total restructured Stock is Rs 65569 crores

Movement of Impaired AssetsRs. In Crores


1. Gross Advances 893613 945819 956000 1009110 1078557 1095145 1139326 1183723

2. Gross NPAs 39676 47156 49202 53458 51189 60891 64206 67799

3. Net NPAs 15819 20324 22615 25370 21956 29990 32151 37167

4. Restructured Standard

29

4. Restructured Standard

(as per Revised RBI

norms)

16340 16378 21944 23845 32228 32963 39160 39404

5. Total Gross NPAs plus

Restructured Std. ( 2+4 )56016 63534 71146 77303 83417 93854 103366 107203

6. Total Net NPAs plus

Restructured Std. ( 3+4 )32159 36702 44559 49215 54184 62953 71311 76571

7. Gross NPA + Restructured

Standard to Gross Adv. %

( 5 ÷ 1 )

6.20 6.72 7.44 7.66 7.73 8.57 9.07 9.06

8. Net NPA + Restructured

Standard to Gross Adv. %

( 6 ÷ 1 )

3.60 3.88 4.66 4.88 5.02 5.75 6.26 6.47

Head Count

Staff Strength as on Mar 12 Dec 12 Mar 13 Dec 13

Officers 80404 81667 80796 80119

Assistants 95715 95266 109686 103883Assistants 95715 95266 109686 103883

Sub-staff (Others ) 27630 26135 26000 24866

Watch & ward 11732 11664 11814 14807

Total 215481 214732 228296 223675

30

Branch Expansion

March 12 Dec 12 March 13 Dec 13

Metro 2218 2252 2341 2448

(15.7) (15.7) (15.8) (16.0)

Urban 2502 2555 2624 2782

(17.8) (17.8) (17.7) (18.2)

Semi-Urban 3995 4062 4165 4270

(28.3) (28.2) (28.1) (27.9)

Rural 5382 5519 5686 5797

(38.2) (38.3) (38.4) (37.9)

Total 14097 14388 14816 15297

(100) (100) (100) (100)

Figures in brackets indicate percentage share in total branches

31

13542

14097

1481615297

Mar 11 Mar 12 Mar 13 Dec 13

Branches

2008422141

27175

36740


ATMs

6390

130

165


5%

16%44%

CAGR : FY 11-13

Internet banking Users *

Expanding Footprint

728910

11041296


32

3 10

90

192


10

37

62

86


448%

149%

Debit Cards* Mobile Banking Users*Point of sale transactions

(During the year)*

* In lacs

23%

5138

5382

56865797


Rural Branches

6599

12931

20531

37582


Unbanked Villages Covered

2107

5392

13033

15662


5%76%

149%

BC Channel transactions #

Financial Inclusion CAGR : FY 11-13

140556

2723

7208


33

56

93

162

280


72011

111049

160378

196467


70%

49%

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*

341%

Performance Highlights of Associate Banks

SBBJ 494 12.85 552 15.93

SBH 573 9.36 870 16.39

( Rs. In crores)

SBM 167 5.57 340 12.08

SBP 206 4.95 543 13.60

SBT 256 8.82 449 16.13

Total 1696 8.47 2754 15.00

34

SBI 7850 10.97 10806 15.61

Performance Highlights of Non-Banking Subsidiaries

Name9MFY14 9MFY13

PAT ROE % PAT ROE %

SBI Life Insurance

Company P Ltd541 22.37 422 22.14

( Rs. In crores)

SBI Capital Markets Ltd 153 19.46 215 29.24

SBI Funds Management P

Ltd122 35.14 63 23.23

SBI Cards & Payment

Services P Ltd232 45.12 85 28.18

35

SBI Group 10210 11.25 14098 18.18

PAT

Rs.232 Crs.

173%YOY

PAT

Rs.541 Crs.

28%YOY

Highlights of Non-Banking Subsidiaries-9MFY14

� No.1 amongst Private Life Insurers in New �Net NPA is Zero.

265

422541

Dec 11 Dec 12 Dec 13

34 85

232


PAT

Rs.122 Crs.

94%YOY

Business Premium

�Market Share up by 59 bps to 7.37% in Dec 13

36

53 63

122


� No. 1 Loans Book Runner ( Asia Pacific

ex-Japan ) - Bloomberg.

� No. 1 Global Mandated Lead Arranger in

Project Finance Loans - Dealogic.

� No. 1 Global Project Finance Bookrunner -

Thomson- Reuters.

� No. 1 In IPP in terms of no of issues

managed and value - Prime .

Solo Consolidated

9MFY14 9M FY13 YOY Growth 9MFY14 9M FY13 YOY Growth

ROA 0.63 1.03 -40 bps 0.61 0.98 -37 bps

Rs. In crores

SBI Solo and Group Financials SBI Solo and Group Financials ––9MFY14 9MFY14

ROE 10.97 17.67 -670 bps 11.25 18.18 -693 bps

Earning Per Share (Rs.) 153.02 214.71 -28.73% 199.01 280.13 -28.96%

Expenses Ratio 55.57 46.68 889 bps 61.35 54.81 654 bps

37

LIABILITIES Dec 13 Mar 13 Dec 12YOY Growth

(%)

Capital 684 684 671 1.94

Reserves and Surpluses 108232 98200 95616 13.19

Deposits 1349940 1202740 1156691 16.71

Borrowings 189969 169183 148374 28.03

Other Liabilities & Provisions 88886 95455 67385 32.26

Total Liabilities 1737711 1566261 1468737 18.33

Rs. In croresBalance Sheet Size (Solo)Balance Sheet Size (Solo)

ASSETS Dec 13 Mar 13 Dec 12YOY Growth

(%)

Cash & balances with RBI 64387 65830 51710 24.51

Balance with banks & money at call

and short notice40265 48990 29316 37.35

Investments 426728 350927 359959 18.61

Net Advances 1148901 1045617 978115 17.46

Fixed Assets 7799 7005 6686 16.65

Other Assets 49632 47892 42951 15.55

Total Assets 1737711 1566261 1468737 18.3338

LIABILITIES Dec 13 Mar 13 Dec 12YOY Growth

(%)

Capital 684 684 671 1.93

Reserves and Surpluses 136570 124349 121442 12.46

Minority Interest 4876 4253 4207 15.89

Deposits 1793136 1627403 1562078 14.79

Borrowings 231412 203723 178542 29.61

Other Liabilities & Provisions 164160 172746 134675 21.89


Rs. In crores

Balance Sheet Size (Consolidated)Balance Sheet Size (Consolidated)


ASSETS Dec 13 Mar 13 Dec 12YOY Growth

(%)

Cash & balances with RBI 86387 89574 72550 19.07

Balance with banks & money at

call and short notice49901 55654 31865 56.60

Investments 611213 519393 521959 17.10

Net Advances 1506210 1392608 1306758 15.26

Fixed Assets 10430 9370 9057 15.16

Other Assets 66697 66559 59426 12.24

Total Assets 2330838 2133158 2001615 16.45

39

Some Recent Awards….. (1/2)Recent Recognition & AwardsRecent Recognition & Awards

Won seven out of nine awards in the “ IBA Banking Technology Awards”

namely-

� “The Best Technology Bank of the Year”

� “Best Internet Bank”,

� “Best use of Mobile Technology”

� “Best use of Technology in Financial Inclusion”

� “Best Customer Management Initiative”

� “Best use of Technology in Training and E-learning”

40

� “Best use of Technology in Training and E-learning”

� “Best use of Technology in Business Intelligence”

Won Innovation in Customer Data Management award by The Banker

Won “Industry Award for Excellence in Home Loan Banking” by The MY

FM Stars of the Industry

Won “Maximum ATMs in Different Locations” by Asian BFSI Awards

412/14/2014 4:30 PM

WEB Final Analyst PPT Q3FY14 - State Bank of India · DICGC Insurance 288 201 43.16 825 669 23.25 ECGC Premium 19 33 -41.62 96 98 -1.96 CGTMSE Premium 12 76 27 181.48 Depreciation

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