Quarterly Results Q2FY16 Safe Harbor Certain statements in these - - PowerPoint PPT Presentation

▶
quarterly results
SMART_READER_LITE
LIVE PREVIEW

Quarterly Results Q2FY16 Safe Harbor Certain statements in these - - PowerPoint PPT Presentation

Feb 12, 2023 482 likes •855 views

Quarterly Results Q2FY16 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

slide-1
SLIDE 1

Q2FY16

Quarterly Results

slide-2
SLIDE 2

Sta State Bank te Bank of

  • f India

India

2

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 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.

slide-3
SLIDE 3

Sta State Bank te Bank of

  • f India

India

3

Performance Highlights

SOLO YOY (%)

Q2FY16

  • ver

Q2FY15

Net Profit 25.12 Operating Profit 20.60 Non Interest Income 35.58 Cost to Income Ratio

  • 37 bps

Gross NPA Ratio

  • 74 bps

Net NPA Ratio

  • 59 bps

Figures in bracket indicate Q2Y15

Net Profit SOLO

  • Rs. 3879 crores

(Rs. 3100 crores) 25.12% GROUP

  • Rs. 4992 crores

(Rs. 4024 crores) 24.05%

slide-4
SLIDE 4

Sta State Bank te Bank of

  • f India

India

4

NII and Operating Profit

Rs in Crores

Q2FY16 Q2FY15 YOY % H1FY16 H1FY15 YOY %

Interest Income

40658 37263 9.11 80300 73750 8.88

Other Income

6197 4571 35.58 11285 8823 27.91

Total Income

46855 41833 12.00 91586 82573 10.92

Interest Expenses

26405 23988 10.08 52316 47223 10.78

Net Interest Income

14253 13275 7.37 27985 26527 5.50

Operating Expenses

10184 9333 9.12 19802 17959 10.26

Operating Profit

10266 8512 20.60 19468 17390 11.95

Cost to Income Ratio

50.43 50.80

slide-5
SLIDE 5

Sta State Bank te Bank of

  • f India

India

5

Net Profit – a Snapshot

Rs in Crores Q2FY16 Q2FY15 YOY % H1FY16 H1FY15 YOY %

Operating Profit

10266 8512 20.60 19468 17390 11.95

Total Provisions

6387 5412 18.01 11897 10941 8.73

Loan Loss

3842 4118

  • 6.72

7200 8112

  • 11.24

Standard Assets

591 159 987 236

Investment Depreciation

  • 51
  • 1

129

  • 553

Other Provisions

  • 22

89

  • 124.38

43 157

  • 72.46

Income Tax

2026 1047 93.61 3536 2988 18.33

Net Profit

3879 3100 25.12 7571 6449 17.40

slide-6
SLIDE 6

Sta State Bank te Bank of

  • f India

India

6

Components of Interest Income/Expenses

Rs in Crores

Q2FY16 Q2FY15 YOY % H1FY16 H1FY15 YOY %

Interest on Loans 28982 27869 3.99 57563 55429 3.85 Interest on Resources 10745 8788 22.26 20998 17054 23.13 Other Interest income 931 605 53.86 1739 1267 37.30 Total Interest Income 40658 37263 9.11 80300 73750 8.88 Interest on Deposits 24746 22072 12.12 48843 43147 13.20 Interest on Borrowings 753 952

  • 20.87

1607 2155

  • 25.41

Other Interest paid 906 964

  • 6.07

1865 1921

  • 2.89

Total Interest Expenses 26405 23988 10.08 52316 47223 10.78

slide-7
SLIDE 7

Sta State Bank te Bank of

  • f India

India

7

Components of Other Income

Rs in Crores

Q2FY16 Q2FY15 YOY % H1FY16 H1FY15 YOY %

Fee Income 3153 3111 1.37 6355 5948 6.85 Profit/Loss on Sale of Investments 1494 453 229.93 2366 1040 127.62 Forex Income 474 466 1.60 962 899 7.02 Dividend Income 47 41 16.13 80 61 31.64 Misc Income 1029 500 105.76 1521 875 73.79

  • f which:

Recovery in w/o accounts 627 466 34.44 1057 887 19.10 Total Other Income 6197 4571 35.58 11285 8823 27.91

slide-8
SLIDE 8

Sta State Bank te Bank of

  • f India

India

8

Components of Fee Income

Rs in Crores

Q2FY16 Q2FY15 YOY % H1FY16 H1FY15 YOY %

Fee Income 3153 3111 1.37 6355 5948 6.85

  • f which :

Loan Processing Charges 592 469 26.15 973 824 18.02 Commission on Govt. Business 466 473

  • 1.57

1037 1001 3.57 Commission on LC/BG 727 744

  • 2.40

1495 1419 5.35 Transaction Fees 833 793 5.06 1634 1500 8.94 Cross Selling 96 66 45.67 172 139 23.75 Others 440 565

  • 22.14

1045 1065

  • 1.86
slide-9
SLIDE 9

Sta State Bank te Bank of

  • f India

India

9

Components of Operating Expenses

Rs in Crores

Q2FY16 Q2FY15 YOY % H1FY16 H1FY15 YOY %

Staff Expenses 6142 5564 10.39 12048 11129 8.27

  • f which : Salary

4614 4656

  • 0.91

9370 9317 0.57

Contribution for Employees

1528 908 68.35 2679 1811 47.88 Overheads 4042 3769 7.24 7753 6831 13.51

  • f which:

Rent, Taxes and Lighting

946 876 8.03 1801 1634 10.22

Depreciation

457 370 23.57 849 672 26.29

Printing and Stationery

80 75 6.95 157 141 11.31

Postage& Telecommunications

151 181

  • 16.15

302 288 5.03

Repairs and Maintenance to Bank's Property

149 130 14.47 285 260 9.59

Travelling & Halting

211 212

  • 0.27

382 383

  • 0.46

Insurance

426 369 15.63 843 742 13.62

Other Expenditure

1621 1558 4.07 3135 2711 15.65 Operating Expenses 10184 9333 9.12 19802 17959 10.26

slide-10
SLIDE 10

Sta State Bank te Bank of

  • f India

India

10 10

Key Performance Indicators: Performance Ratios

Earning Per Share (Rs)

17.28 17.55 19.52 19.95 Sep 14 Mar 15 Jun 15 Sep 15

ROA (%)

0.70 0.68 0.72 0.73 Sep 14 Mar 15 Jun 15 Sep 15

ROE(%)

11.49 11.17 12.30 12.61 Sep 14 Mar 15 Jun 15 Sep 15

Book Value per Share(Rs)

158.98 160.84 162.54 175.95 Sep 14 Mar 15 Jun 15 Sep 15

slide-11
SLIDE 11

Sta State Bank te Bank of

  • f India

India

11 11

Key Performance Indicators: Performance Ratios

Cost of Deposits (%) Domestic NIM (%)

3.49 3.54 3.29 3.32 Sep 14 Mar 15 Jun 15 Sep 15

Whole Bank NIM (%)

3.11 3.16 2.99 3.01

Sep 14 Mar 15 Jun 15 Sep 15

10.51 10.55 10.33 10.32

Sep 14 Mar 15 Jun 15 Sep 15

Yield on Advances (%)

6.36 6.39 6.35 6.30 Sep 14 Mar 15 Jun 15 Sep 15

slide-12
SLIDE 12

Sta State Bank te Bank of

  • f India

India

12 12

550,397 500,861 101,033 90,939 890,762 791,125 91,923 90,859 Sep 15 Sep 14 FOs TD CA SB

Retail Deposits Drive Growth

16,34,115 Total 1473785

YOY Gr 10.88% Sep 15 CASA 42.24% Sep 14 CASA 42.79%

(% YOY growth) (1) (13) (11) (10)

Rs in Crores

17.21% 16.88% Market Share

Jun 15 CASA 41.70%

slide-13
SLIDE 13

Sta State Bank te Bank of

  • f India

India

13 13

Diversified Exposure Across Sectors

283,549 233,012 204,749 215,880 176,572 168,011 118,419 121,120 291,043 249,259 265,817 227,246 30,552 28,110

Sep 15 Sep 14

Misc FOs Retail Agri SME MCG CAG

21 15 19 9 13 21 19 17 18 10 14 20 13,70,701 Total 12,42,638

Rs in Crores

Share % 2 2 (% YOY growth) (9) (17) (17) (-2) (5) (-5) (22)

YOY Gr 10.31%

Sep 14 16.24% Sep 15 16.02%

Market Share

Share %

Jun 15 15.74%

slide-14
SLIDE 14

Sta State Bank te Bank of

  • f India

India

14 14

Diversified Exposure Across Industry

Rs in Crores

Product / Segment Sep 15 Mar 15 Sep 14 Sep15

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

Infrastructure 188674 17.08 177253 16.10 163721 16.12 15.24 6.44 Iron & Steel 77817 7.04 80610 7.32 70162 6.91 10.91

  • 3.46

Textiles 39984 3.62 42533 3.86 41194 4.06

  • 2.94
  • 5.99

Petroleum & Petrochemicals 30154 2.73 35440 3.22 30704 3.02

  • 1.79 -14.92

Engineering 29859 2.70 27696 2.52 27109 2.67 10.15 7.81 Other Industries 164351 14.87 184844 16.79 172411 16.98

  • 4.67 -11.09

Services 83241 7.53 76305 6.93 66701 6.57 24.80 9.09 Trade 61350 5.55 66460 6.04 58795 5.79 4.35

  • 7.69
  • Comm. Real Estate

19991 1.81 17540 1.59 14216 1.40 40.62 13.98 Home Loans 170899 15.47 159237 14.46 148502 14.63 15.08 7.32 Auto Loans 34094 3.09 32149 2.92 28879 2.84 18.06 6.05 Other Retail Loans 86050 7.79 81043 7.36 71878 7.08 19.72 6.18 Agriculture 118419 10.72 119782 10.88 121120 11.93

  • 2.23
  • 1.14

Total Domestic Advances 1104884 100.00 1100892 100.00 1015392 100.00 8.81 0.36

slide-15
SLIDE 15

Sta State Bank te Bank of

  • f India

India

15 15

Retail Advances

58.6 59.6 11.7 11.6 5.4 6.2 24.2 22.7

Sep 15 Sep 14

Other Per. Education Auto Home Level Home Auto Education Other Per. Total

Sep 14 148502 28879 15387 56491 249259 Mar 15 159237 32149 15464 65579 272429 Sep 15 170899 34094 15806 70244 291043 YOY Growth Abs. 22397 5215 419 13753 41784 YOY Growth % 15.08 18.06 2.72 24.35 16.76

70 75 30 25

Sep 15 Sep 14

Above Rs.30 lacs Upto Rs.30 lacs

170899 Rs in Crores 148502 Total Distribution of Retail Loans(%) Distribution of Home Loans(%) Total 249259 291043

slide-16
SLIDE 16

Sta State Bank te Bank of

  • f India

India

16 16

SME Advances

Rs in Crores Level

ABL Bills SCFU CGTMSE OD B/S Fin Total

Sep14 1,943 26,809 8,836 10,105 5,486 1,14,832 1,68,011 Mar 15 7,408 30,914 10,745 10,482 4,886 1,17,038 1,81,473 Sep 15 10,862 29,773 11,969 10,754 5,562 1,07,652 1,76,572 YOY Growth Abs. 8,919 2,964 3133 649 76

  • 7,180

8,561 YOY Growth % 459.03 11.06 35.46 6.42 1.39

  • 6.25

5.10

10862 29773 11969 10754 5562 1943 26809 8836 10105 5486

ABL Bills SCFU CGTMSE OD

Sep-15 Sep-14

slide-17
SLIDE 17

Sta State Bank te Bank of

  • f India

India

17 17

Agri Advances

  • Rs. in Crores

Crop production Farm Mechanization Horticulture Other Agri Term Loan

Sep 15 Sep 14 5031 1974 1209 16320 18999

Agri Segmental Advances

96353 95881 3772

Level Crop / Production Investment/ Allied Credit Collateralized by Gold out of A & B Agri (A) (B) Amt. Share % Total

Sep-14

95881 25239 42024 34.69 121120

Mar-15

95651 24131 40546 33.85 119782

Sep-15

96353 22066 38376 32.40 118419

YOY Abs.

472

  • 3173
  • 3648
  • 2701

YOY %

0.49

  • 12.57
  • 2.23
slide-18
SLIDE 18

Sta State Bank te Bank of

  • f India

India

18 18

Capital Adequacy

  • Rs. In crores

9.32% 9.72% 9.62% 9.60% 9.62% 9.91%

3.19% 2.72% 2.71% 2.40% 2.38% 2.26%

Mar 13 Mar 14 Sep 14 Mar 15 Jun 15 Sep 15

Tier II Tier I

12.00%

RWA

Basel III

CAR%

12,20,552

12.33%

1126967 11,26,863

12.44%

#

12.00%

12,44,708 10,05,640

12.51% # CET1 = 9.87 %

12,95,656

12.17%

slide-19
SLIDE 19

Sta State Bank te Bank of

  • f India

India

19 19

Non Performing Assets

* Provision Coverage Ratio 51,189 61,605 60,712 56,725 56,421 56,834 Mar 13 Mar 14 Sep 14 Mar 15 Jun 15 Sep 15 21,956 31,096 32,997 27,591 28,669 28,592

Mar 13 Mar 14 Sep 14 Mar 15 Jun 15 Sep 15 4.75%

Gross NPA Net NPA

4.95% 4.89% 4.25% 2.10% 2.57% 2.73% 2.12% * PCR % 66.58 62.86 63.18 69.13 4.29% 69.49 2.24% 70.48 4.15% 2.14% Rs in Crores

slide-20
SLIDE 20

Sta State Bank te Bank of

  • f India

India

20 20

Gross NPAs by Sector

Break-up of Gross NPAs

Sector Sep15 Mar 15 Sep 14

NPA Ratio % NPA Ratio % NPA Ratio%

Large Corporate

982 0.35 1,510 0.54 1,174 0.50

Mid Corporate

22,600 10.62 23,029 9.76 24,854 11.15

SME

17,381 8.72 16,387 7.78 15,883 8.38

Agri

10,219 8.66 10,652 8.90 12,506 10.34

Retail

3,003 1.03 2,528 0.93 3,412 1.37

International

2,649 1.00 2,619 1.17 2,883 1.27

Total

56,834 4.15 56,725 4.25 60,712 4.89

Sector-wise Gross NPAs to Total Gross NPAs %

Rs in Crores

39.8 40.6 40.9 30.6 28.9 26.2 18.0 18.8 20.6 5.3 4.5 5.6 4.7 4.6 4.7 1.6 2.6 2.0

Sep 15 Mar 15 Sep 14 Intl. Agri. Retail SME Large Corp Mid- Corp

slide-21
SLIDE 21

Sta State Bank te Bank of

  • f India

India

21 21

Movement of NPAs

Q2FY16 Q1FY16 Q2FY15 Opening Level of Gross NPAs 56421 56,725 60,434 Less :Recovery 892 1,209 965 Less: Upgradation 629 1,494 1,670 Less :Write-off 3941 4,919 4,787 Add: Fresh Slippages 5875 7,318 7,700 Net Increase 413

  • 304

278 Closing Level of Gross NPAs 56834 56,421 60,712 Recovery in W/o Accounts 627 430 466

Rs in Crores

slide-22
SLIDE 22

Sta State Bank te Bank of

  • f India

India

22 22

Details of Restructured Assets

Q2FY16 Q1FY16 H1FY16 Particulars Std. NPA Total Std. NPA Total Std. NPA Total 1 Restructured Accounts as

  • n 01.04.2015

55954 15366 71320 55,843 15,386 71,229 55843 15386 71229 2 Fresh Restructuring + Increase in O/S 2500 685 3185 3,936 2,076 6,012 6436 2761 9197 3 Upgradation to Restructured Standard category 173

  • 173

193

  • 193

366

  • 366

4 Restructured Standard Advances upgraded to full Standard advances

  • 970
  • 970 -1,014

0 -1,014

  • 1984
  • 1984

5 Downgradations of Restructured accounts

  • 1710

1710 0 -1,182 1,182

  • 2892

2892 6 Write-off + Decrease in O/S + Closures

  • 2495
  • 58
  • 2553

1,822 3,085 4,907

  • 4317
  • 3143
  • 7460

7 Total Restructured Accounts as on September 30, 2015 53452 17530 70982 55,954 15,366 71,320 53452 17530 70982

Rs in Crores

slide-23
SLIDE 23

Sta State Bank te Bank of

  • f India

India

23 23

Movement of Impaired Assets

Sep 15 Jun 15 Mar 15 Dec 14 Sep 14 1. Gross Advances

13,70,701 13,13,735 13,35,424 12,65,483 12,42,638

2. Gross NPAs

56,834 56,421 56,725 61,991 60,712

  • 3. Net NPAs

28,592 28,669 27,591 34,469 32,997

4. Restructured Standard

53,452 55,954 55,843 46,542 43,962

5. Total Gross NPAs plus Restructured

  • Std. ( 2+4 )

1,10,286 1,12,375 1,12,568 1,08,533 1,04,674

6. Total Net NPAs plus Restructured

  • Std. ( 3+4 )

82,044 84,623 83,434 80,999 76,959

7. Gross NPA + Restructured Standard to Gross Adv. % ( 5÷1 )

8.04 8.55 8.43 8.58 8.42

8. Net NPA + Restructured Standard to Gross Adv. % ( 6÷1 )

5.98 6.44 6.25 6.40 6.19

Rs in Crores

slide-24
SLIDE 24

Sta State Bank te Bank of

  • f India

India

24 24

We Touch Lives…

Total Touch Points 3.7 lacs Branches 16,415 Group ATMs 56,930 POS 2.4 lacs CSPs 58,571

Touch Points Customer Base

Total Customers 29.5 crores Debit card holders 21.5 crores INB 2.4 crores Mobile 1.9 crores

Fin. Inclusion/ Jan Dhan 8.5 crores

slide-25
SLIDE 25

Sta State Bank te Bank of

  • f India

India

25 25

Enormous Physical Footprints

109 259 377

Sep 13 Sep 14 Sep 15

POS Transactions

(in Lacs) 242 331 494

Sep 13 Sep 14 Sep 15

Mobile Banking Transactions (in Lacs)

28.64 39.95 58.50

Sep 13 Sep 14 Sep 15

Internet Banking Transactions (in Crores)

115 133 158

Sep 13 Sep 14 Sep 15 ATM Transactions

(in Crores)

10552 14512 19141

Sep 13 Sep 14 Sep 15

Debit Card spends

(Rs. in Crores )

2.79 3.87 4.40

Sep 13 Sep 14 Sep 15

Contact Centres

Avg no of Calls handled per Day (in Lacs)

slide-26
SLIDE 26

Sta State Bank te Bank of

  • f India

India

26 26

Financial Inclusion

2.03 3.53 3.95 3.94 4.05 3.33 0.84 4.45

Mar 13 Mar 14 Mar 15 Sep 14 Sep 15

PMJDY Pre-Jan Dhan

Financial Inclusion Accounts ( in Crores)

7.28 8.50

1048 2182 4415 2638 5931

Mar 13 Mar 14 Mar 15 Sep 14 Sep 15

Financial Inclusion Deposits (Rs. in Crores)

3.89 7.07 14.16 5.96 12.09 Mar 13 Mar 14 Mar 15 Sep 14 Sep 15

Transactions through BC Channel

(No. in Crores)

(6 Months)

13032 22525 38972 17228 29414 Mar 13 Mar 14 Mar 15 Sep 14 Sep 15

Transactions

(Amt. Rs. in Crores)

(6 Months)

4.78

slide-27
SLIDE 27

Sta State Bank te Bank of

  • f India

India

27 27

Financial Inclusion in SBI (contd…)

517 618 606 656 698

Mar 13 Mar 14 Mar 15 Jun 15 Sep 15

Average Balance (Rs.) 55 54 53 49 46 69 56 53

Mar 13 Mar 14 Mar 15 Jun 15 Sep 15

F.I A/cs PMJDY A/cs

Zero Bal. A/cs (%)

Financial Literacy RSETIs ( Total Numbers:117) H1’FY16 Cumulative No of Training Programme held 1147 11,160 No of Youth trained 30,142 2,95,830 No of Youth Settled 5,488 1,39,805 Financial Literacy Centres (Total numbers:219 ) No of Out door activities 3,818 32,697 No of Youth trained 4,23,505 21,62,818 No of person converted to customers 91,778 3,54,049

Social Security Schemes

(Enrolment up to 30.09.2015) No in Lacs Pradhan Mantri Suraksha Bima Yojana: 142.78 Pradhan Mantri Jeevan Jyoti Bima Yojana: 36.33 Atal Pension Yojana: 1.83

slide-28
SLIDE 28

Sta State Bank te Bank of

  • f India

India

28 28

SBI on Social Media

  • Total Videos Uploaded – 197
  • Current Number of Subscribers – 11,125
  • Highest Subscriber base amongst all Indian Banks
  • Current Number of views - 37.45 Lakh
  • Total No of Followers at present - 39.64 Lakh
  • Average Rise in Followers – 8200 per day
  • Current Fanbase – 3.24 Lakh

We have recently launched our official pages on the following platforms:

  • Current Number of Followers- 797
  • The Highest number of followers amongst all Indian Banks
  • Current Number of Followers- 53,000
  • Current Number Followers- 604

State Bank of India is one of the Top Most Active Banks in addressing Customer Queries on Social Media - Report by The Economic Times

slide-29
SLIDE 29

Sta State Bank te Bank of

  • f India

India

29 29

Performance Highlights of Associate Banks- Net Profit

Rs in Crores

Name Q2FY16 Q2FY15 YOY % H1FY16 H1FY15 YOY %

SBBJ

180 119 51.26 451 333 35.44

SBH

375 311 20.58 627 538 16.54

SBM

132 102 29.41 226 177 27.68

SBP

83 81 2.47 223 217 2.76

SBT

103 19 442.11 184 69 166.67

Total ABs

873 632 38.13 1711 1334 28.26

slide-30
SLIDE 30

Sta State Bank te Bank of

  • f India

India

30 30

Performance Highlights of Non-Banking Subsidiaries- Net Profit

Rs in Crores

Name Q2FY16 Q2FY15 YOY % H1FY16 H1FY15 YOY % SBI Life Insurance Company Pvt. Ltd 206 218

  • 5.50

408 459

  • 11.11

SBI Capital Markets Ltd 57 108

  • 47.22

101 162

  • 37.65

SBI Funds Management P Ltd 43 44

  • 2.27

88 83 6.02 SBI Cards & Payment Services P Ltd 70 80

  • 12.50

132 194

  • 31.96

SBI Group 4992 4024 24.05 9705 8472 14.56

slide-31
SLIDE 31

Sta State Bank te Bank of

  • f India

India

31 31

Performance Highlights of ‘Non-Banking Subsidiaries’

 52% growth in New Business Premium while overall industry up by 14%.  33% growth in Gross Written Premium.  Market share (MS) in New Business Premium among Private players increased to 15.3% in H1 16 from 12.9% in H1 15.  Total MS including LIC has grown to 4.7% in H1 FY 16 from 3.5% in H1 FY 15.  AUM up by 17% to Rs.74,554 cr in H1 16 from Rs.63,872 cr in H1 15.  Persistency ratio of renewal premium in 13 months category has improved to 76.9% in H1 16 from 76% in H1 15.

 AUM up by 21.66% to Rs.88,628 crs in H1 16 from Rs.72,850 crs. in H1 15.  Company has crossed Rs.1,00,354 crores AUM (closing) in October 2015.  69% of AUM in Equity Funds and 99% of the AUM in Fixed Income Funds are in top two quartiles on 1 year basis.  3rd Rank in CIF and growing @18% YoY.  4th Rank in spends and growing @36% YoY.  Launched SimplyClick product targeting younger generation.  Strategic partnerships for e-commerce

slide-32
SLIDE 32

Sta State Bank te Bank of

  • f India

India

32 32

Balance Sheet (Solo)

Liabilities

(Rs in Crores) Sep-15 Mar-15 Sep-14 YOY Growth (%)

Capital

776 747 747 3.98

Reserves and Surplus

144,781 127,692 124,480 16.31

Deposits

1,634,115 1,576,793 1,473,785 10.88

Borrowings

225,470 205,150 186,781 20.71

Other Liabilities & Provisions

105,284 137,698 88,980 18.32

Total Liabilities

2,110,426 2,048,080 1,874,772 12.57 Assets

Cash & balances with RBI

78,288 115,884 70,902 10.42

Balance with Banks & Money at Call and Short Notice

32,329 38,872 38,742

  • 16.55

Investments

567,404 481,759 473,962 19.71

Net Advances

1,337,153 1,300,026 1,209,648 10.54

Fixed Assets

9,638 9,329 8,468 13.82

Other Assets

85,614 102,210 73,050 17.20

Total Assets

2,110,426 2,048,080 1,874,772 12.57

slide-33
SLIDE 33

Sta State Bank te Bank of

  • f India

India

33 33

Balance Sheet (Consolidated)

Liabilities

(Rs in Crores) Sep-15 Mar-15 Sep-14 YOY Growth (%) Capital

776 747 747 3.98

Reserves and Surplus

179,923 160,641 155,762 15.51

Minority Interest

5,980 5,497 5,263 13.63

Deposits

2,133,521 2,052,961 1,926,216 10.76

Borrowings

255,496 244,663 225,135 13.49

Other Liabilities & Provisions

205,570 235,601 175,346 17.24

Total Liabilities

2,781,266 2,700,110 2,488,469 11.77 Assets

Cash & balances with RBI

100,192 144,288 93,106 7.61

Balance with Banks & Money at Call and Short Notice

42,249 44,194 46,585

  • 9.31

Investments

784,758 673,507 659,264 19.04

Net Advances

1,721,891 1,692,211 1,577,337 9.16

Fixed Assets

12,830 12,379 11,237 14.18

Other Assets

119,347 133,531 100,941 18.23

Total Assets

2,781,266 2,700,110 2,488,469 11.77

slide-34
SLIDE 34

Sta State Bank te Bank of

  • f India

India

34 34

Global Finance Annual Survey-Worlds Best Bank -2015- SBI – No. 1 i) Country Winner- Emerging Markets (Asia-Pacific) ii) World’s Best Trade Finance Providers (Country Winner) iii) World’s Best Sub-Custodians- SBI Subsidiary (Country Winner)

Awards & Accolades

SBI the Best Public Sector Bank : i)Rural Reach, ii)Technology Adoption, iii)Retail, iv) Overall v)Contribution for Financial Inclusion Agenda Season 3

  • No. 1 among the Financial Companies in India

Best Bank Award for (i)Electronic Payment Systems (ii) Managing IT Infrastructure Gold Awards : Reader’s Digest Trusted Brand 2015 (India). i)Banks, ii)Credit Cards and iii)Loans (Car, Home and Personal loans) Brandz Top 50 Most Valuable Indian Brands 2015 - WPP & Millward Brown

SBI Rank 3 -Brand Value - USD 9374 Million (37% increase over last year) PR Week Awards Asia -Hongkong i) Silver: Media Relations Campaign of the Year ii) Bronze : South Asia PR Campaign of the Year

slide-35
SLIDE 35

Sta State Bank te Bank of

  • f India

India

35 35