THE BANKER TO EVERY INDIAN. Quarterly Results Q1 FY 2012

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1 THE BANKER TO EVERY INDIAN Quarterly Results Q1 FY

2 Rs. In Crores NII growth drives Profitability Parameter Q1 FY 11 Q4 FY 11 Q1 FY 12 YOY Growth % Interest Income Interest Expenses Net Interest Income NIM (%) of which bps NIM for Domestic Offices bps NIM for Foreign Offices bps NIM for FY 2011: Whole Bank 3.32, Domestic 3.39, Foreign Offices

3 Rs. In Crores Healthy growth in Fee Income Parameter Q1 FY 11 Q4 FY 11 Q1 FY 12 YOY Growth % Fee Income Profit on sale of Investments Forex Income Dividend Income Misc Income Total Other Income

4 Operating Expenses Rs. In Crores Parameter Q1 FY 11 Q4 FY 11 Q1 FY 12 YOY Growth % Salary 1451* Contribution for Employees Of which: Gratuity & Bonus Pension Total Staff Expenses Overhead Expenses Total Operating Expenses * Write back of Rs.845 crores of wage provision 4

5 Operating Profit up by 18% sequentially Rs. In Crores Parameter Q1 FY 11 Q4 FY 11 Q1 FY 12 YOY Growth % Operating Profit Total Provisions Of which: Income Tax Loan Loss Investment Depreciation Std Assets Net Profit

6 Efficiency Ratios In percentage Parameter June-10 Mar-11 June-11 Parameter June-10 Mar-11 June-11 ROA Gross NPA ROE Net NPA EPS Tier I Book Value per Share Tier II C/I CAR

7 Distribution of Sources - % Share June-10 June-11 Tier II Capital 3% Other Borr. & Liab. 12% Capital & Reserves 7% Tier II Capital 3% Other Borr. & Liab. 13% Capital and Reserves 5% Deposits 78% Deposits 79% 7

8 Savings Bank drives Deposit Growth (Rs. In crores) Jun-10 Mar-11 Jun-11 YOY Growth % Term Deposits CA SB CASA Domestic Deposits FOs Deposits Whole Bank Deposits CASA Ratio (%) bps Savings Bank up by Rs.20,993 crores in Q1FY12 Retail TD up by Rs.15,383 crores in Q1FY12 8

9 Customer Acquisition Continues Saving Bank (In lacs) Current Account (In 000 s) June 10 March 11 June 11

10 Diversified Exposure across Sectors and Industries Across Sectors Across Industries In Percentages Food Proc. 7% Textiles 10% AGL 12% RETAIL 21% Misc 3% CAG 15% MCG 20% Infra 20% Other Indus. 28% Iron&Steel 11% Petroleum 8% INTL. 14% SME 15% Constr. 2% Gems&Jew el. 3% Chemicals 4% Engineering 7% 10

11 In percentage Growth in Key Industries Other Metals Infrastructure Gems & Jewellery Engineering Iron & Steel Textiles Food Processing Total Advances Real Estate Petroleum

12 Composition of Advances Growth (1/2) Large Corporate Mid Corporate Rs. In Crores 19.37% 21.67% 95, , , June 10 March 11 June 11 International 5.27% SME June 10 March 11 June % 105, , , June 10 March 11 June 11 June 10 March 11 June 11 12

13 Composition of Advances Growth (2/2) Retail 17.69% Agri 25.67% Rs. In Crores 140, , , June 10 March 11 June 11 June 10 March 11 June 11 Domestic Whole Bank 21.26% 18.73% 558, , , June 10 March 11 June 11 June 10 March 11 June 11 13

14 Market Leader in Retail Advances Across Sectors Across Industries In Percentages SME 15% INTL. 14% MCG 20% CAG 15% AGL 12% RETAIL 21% Misc 3% Edu Loans 7% Other Per 26% Auto Loans 13% Home Loans 54% Level Home Auto Edu Other Per Total June June Growth Abs Growth %

15 Interest Spread up by 74 bps & &Yield on Advances & Cost of Deposits Interest Spread Cost of Deposits (%) In percentage CD ratio (%) Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Cost of Funds Jun YOA 5.66 COD Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 15

16 Growth in Market Share & CD Ratio Deposits SBI 16.12% 11 bps SBI 16.23% In percentage June-10 June-11 Advances SBI 16.52% 3 bps SBI 16.55% CD Ratio 74.85% CD Ratio 76.68% 16

17 Revenue & Expenditure In percentage RUPEE EARNED Int. on Advances Int. on Res. Ops Other Sundry Int. Inc. Fee Income Forex Income Profit on Sale of Investments Misc Other Inc. Interest Expense Staff Expenses Overheads Income Tax Other Provisions RUPEE SPENT Transfer to Reserves

18 Rs. In Crores Components of Interest Income YOY % Growth Total Interest Income 21, ,452 Interest on Advances 16,257 13, Interest on Resource operations ,305 4, Other Sundry interest Q1 FY 12 Q4 FY Q1 FY 11 18

19 Rs. In Crores YOY % Growth Components of Interest Expenses Total Interst Expenses 13, , Interest on Deposits 11, , Interest on borrowings Other Sundry interest Q1 FY 12 Q4 FY 12 Q1 FY 11 19

20 Capital Adequacy In Percentage * Tier II Tier I Mar-10 Jun-10 Mar-11 Jun-11 * Rs.7,927 crores of pension liability for the period upto Mar-10 on account of wage revision taken through Capital Account. 20

21 Asset Quality Rs. In crores / (%) 19,535 (3.05) 20,825 (3.14) 23,205 23,438 (3.35) (3.17) 25,326 (3.28) Gross NPA 27,768 (3.52) Net NPA 10,870 11,074 11,601 11,695 12,347 12,435 (1.72) (1.70) (1.70) (1.61) (1.63) (1.61) Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 21

22 Movement of NPAs Rs In Crores Q1FY11 Q4FY11 FY11 Q1FY12 Break-up of NPAs (%) Opening Level of NPAs Cash Recovery Upgradation Agri 19% Retail 15% SME 21% Corp 37% Intl. 8% Write off Fresh Slippages Net Increase Closing Level of NPAs Sector Rs. in crores Corp Intl SME 5802 Agri 5255 Retail 4260 Total

23 NPA POSITION IN CORPORATE AND SME Major Industries Rs In Crores Industry Fresh slipagges in Q1FY12 NPAs as on Iron and Steel+ Metal+mining 412 2,134 Govt Sponsored 107 1,750 Infrastructure 650 1,550 Textiles 411 1,459 Agro Based 145 1,213 Paper/ Plastics etc Gems & Jewellery Trading Hospitality Retail Engineering Education IT Others 1,043 4,096 Grand Total 3,677 15,968 23

24 Rs In Crores Sector-wise movement of NPAs in Q1FY 12 Particulars Corp. Intl. SME Agri Retail Total Sector-wise % of NPAs Cash Recovery + Upgrad Sector Jun-10 Mar-11 Jun-11 Corporate Write off Internatio nal Gross Reduction Fresh Slippages Net Increase SME Agri Retail Total

25 Details of Standard Assets Restructured (1/2) Rs. In crores Accounts Restructured Under RBI's Scheme Under Bank s Scheme FY 2009 FY 2010 FY 2011 Q1FY 12 Total 10,777 6,019 1, ,395 2,015 10,838 3, ,518 Total 12,792 16,857 4, ,913 Slippages Under RBI's Scheme Under Bank s Scheme Upto Mar-10 During FY11 During Q1FY12 Upto June 11 % slippages 1,616 1, , Total 2,675 2,

26 Details of Standard Assets Restructured (2/2) Rs In Crores Sector-wise break up Sectors RBI's Scheme Bank's Scheme Total Corporate SME Retail International Total Slippages during Q1FY12 Industries RBI's Scheme Bank's Scheme Total Electricals Engineering 5 5 Com. Real Estate Textiles Iron & Steel Power Health Care Trading & Retail Plastic Total

27 Expanding Footprint Jun-10 Mar-11 Jun-11 No. of Group Branches 18,049 18,266 18,324 Branches No. of SBI Domestic Branches 12,567 13,542 13,577 No. of Overseas Branches No. of ATMs for the Group 21,751 25,005 25,444 ATMs No. of ATMs for SBI 16,584 20,084 20,450 Hits per day Debit Cards (in lacs) No. of Debit Cards Internet Banking (in lacs) Mobile Banking (in lacs) % of total transactions on alternate channels No. of customers No. of transactions Registered mobile users No. of transactions % (9073) of SBI branches are in rural & semi-urban areas 27

28 Rs. In Crores Consolidated Financials Q1 FY 2012 Q1FY11 Q4FY11 Q1FY12 YOY Growth % Interest Earned Interest Paid Net Int. Income Other Income Operating Income Staff Exp Overheads Operating Expenses Operating Profit Provisions Net Profit

29 SBI Life Highlights of Non-Banking Subsidiaries(1/2) AUM of the company as on stood at Rs.40,070 Crs. SBI Life has recorded a profit of Rs.144 Crs. as against a Rs.114 Crs. as on June 10. YoY growth of 26.8%. The company stands at No. 1 position with a market share of 19.8% in private insurance business as on May-11. SBI Cards & Payment Services Pvt. Ltd. Recorded a net profit of Rs crs as against a net profit of Rs.3.30 crs. as on June Spends per account have increased from Rs.39,163 crs. in June. 10 to Rs.47,323 as on June SBI Card won the Reader s Digest Most Trusted Brand for the third time in a row. Provision / Write offs have come down by over 21% as compared to June SBI Funds Management Pvt Ltd Average AUM for Q1FY12 is Rs.47,874 crs up from Rs.41,672 crs, a growth of over 15% (Industry grew by 6%). SBIMF market share improved from 5.95% to 6.44%. SBI MF was awarded gold in the Fund Management Category for trusted brands 2011 by Readers Digest. 29

30 SBI DFHI Highlights of Non-Banking Subsidiaries(2/2) Posted a PAT of Rs.5.43 crs. The success ratio at T-Bill auctions for the quarter was 62.37% as against RBI requirement of 40%. SBI Capital Markets Ltd The company has posted a Net Profit of Rs.84 Crs. Ranked No 1 for India Loans Mandated Lead Arrangers by Thomson Reuters, with 40.80% market share. Ranked No. 1 for Initial Mandated Lead Arranger Global PF Loans with 10.5% market share (improved from 2 nd Rank ). Ranked 1 st in QIP with 22.2 % market share by Bloomberg (last year it was 27 th with 0.4% market share). Mandated for 3 divestment issues namely SAIL, IOC & Hindustan Copper FPOs, which may fructify in the current year. SBI Pension Fund Pvt Ltd Posted a profit of Rs.10 lacs as against a net loss of Rs.9 lacs as on June AUM of Rs Crs. as on as against Rs Crs. as on State Govts. and 2 Union Territories have handed over the corpus under NPS. 30

31 THANK YOU 31

THE BANKER TO EVERY INDIAN. Annual Results FY

THE BANKER TO EVERY INDIAN. Annual Results FY THE BANKER TO EVERY INDIAN Annual Results FY 2011-12 Healthy Growth in NII and Operating Profit - a Snapshot (1/2) Rs. In Crores Q4 FY11 Q4 FY12 Gr.% FY11 FY12 Gr.% Interest Income 21721 28583 31.59 Interest