THE BANKER TO EVERY INDIAN. Annual Results FY
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- Conrad Harvey Parsons
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1 THE BANKER TO EVERY INDIAN Annual Results FY
2 Healthy Growth in NII and Operating Profit - a Snapshot (1/2) Rs. In Crores Q4 FY11 Q4 FY12 Gr.% FY11 FY12 Gr.% Interest Income Interest Expenses Net Interest Income Other Income Staff Expenses Overheads Operating Expenses Operating Profit (9.31)
3 Net Profit up by 42% - a Snapshot (2/2) Rs. In Crores Q4 FY11 Q4 FY12 Gr.% FY11 FY12 Gr.% Operating Profit Total Provisions (8.46) Income Tax Loan Loss (13.08) Investment Depreciation (91.01) Of which: Dom. Equity (29.57) Dom. Bonds 130 (14) (111.12) Foreign Operations 14 (72) (621.02) Standard Assets (40.60) Other Provisions (43) (99) (132.03) Net Profit (10.66) (34) (98) (187.79)
4 Components of Interest Income Rs. In Crores Q4 FY11 Q4 FY12 Gr.% FY11 FY12 Gr.% Interest on Loans Interest on Resources Other Sundry Interest (15.49) (15.64) Total Interest Income Other Interest Income includes IT Refund of Rs.556 crores in FY11 and Rs.133 crores in FY12. 4
5 Components of Interest Expenses Rs. In Crores Q4 FY11 Q4 FY12 Gr.% FY11 FY12 Gr.% Interest on Deposits Interest on Borrowings Other Sundry Interest Total Interest Expenses Other Sundry Interest Paid includes Interest of Rs.3395 crores paid on Tier II bonds of Rs crores as on
6 Components of Other Income Rs. In Crores Q4 FY11 Q4 FY12 Gr.% FY11 FY12 Gr.% Fee Income Profit/loss on Sale of Investments Of which; Domestic-Equity & MF 335 (26) (107.87) 309 (42) 921 (920) (199.86) 811 (797) Domestic-Bonds Foreign Operations 8 (14) Forex Income Dividend Income Misc. Income (1.58) Total Other Income (150) (2.18) (7.29) (6.46) (9.31) 6
7 Components of Fee Income Rs. In Crores Q4 FY11 Q4 FY12 Gr.% FY11 FY12 Gr.% Loan Processing Charges Commission on Govt. Busi Commission on LCs Issued Commission on BGs Issued (8.82) Transaction Fees Core Power Commission on Collection Account Maintenance Charges Cross Selling Miscellaneous (39.64) Total Fee Income (11.43) (17.92) (22.19)
8 Growth in Operating Expenses Contained Rs. In Crores Q4 FY11 Q4 FY12 Gr.% FY11 FY12 Gr.% Salary Provision for superannuation benefits * 3471 (13.88) Of which : Pension Total Staff Expenses Gratuity Staff expenses to Operating expenses (%) Overhead Expenses Total Operating Expenses (13.10) (1.23) (50.19) (0.98) * Includes write back of Rs.8 crores on account of excess provision on Bonus 8
9 Components of Overheads Rs. In Crores Q4 FY11 Q4 FY12 Gr.% FY11 FY12 Gr.% Rent & Taxes, Lighting Depreciation (9.35) DICGC Insurance P&T, Courier, Telex & Stamps, Telephone Travelling expenses Repairs & Maintenance (37.79) Stationery, Printing Advt. & Publicity (9.51) Misc expenses Total Overheads (0.25) (19.87)
10 Profitability : Domestic & Foreign Offices (1/4) Rs. In Crores Q4 FY11 Indian Offices Q4 FY12 Gr.% Q4 FY11 Foreign Offices Q4 FY12 Gr.% Interest Income Interest Expenses Net Interest Income Other Income Staff Expenses Overheads Operating Profit (28.65)
11 Operating Profit :Domestic & Foreign Offices (2/4) Rs. In Crores Q4 FY11 Indian Offices Q4 FY12 Gr.% Q4 FY11 Foreign Offices Q4 FY12 Gr.% Operating Profit Total Provisions (7.72) Income Tax Loan Loss (10.29) (24.78) (57.31) Investment Depreciation (65.97) 14 (72) (620.99) Standard Assets (41.01) Other Provisions (50) (102) (106.79) Net Profit (204) (9.53) 7 3 (56.46)
12 Profitability : Domestic & Foreign Offices (3/4) Rs. In Crores FY11 Indian Offices FY12 Gr.% FY11 Foreign Offices FY12 Gr.% Interest Income Interest Expenses Net Interest Income Other Income (9.90) Staff Expenses Overheads Operating Profit (3.38)
13 Operating Profit :Domestic & Foreign Offices (4/4) Rs. In Crores FY11 Indian Offices FY12 Gr.% FY11 Foreign Offices FY12 Gr.% Operating Profit Total Provisions Income Tax (1.15) Loan Loss (4.93) (41.02) Investment Depreciation Standard Assets Other Provisions (44) (107) (142.42) Net Profit (49.60) 10 9 (12.94)
14 Efficiency Ratios: Domestic & Foreign Offices (1/3) Rs. In Crores Indian Offices Foreign Offices Whole Bank Q4 FY11 Q4 FY12 Change (bps) Q4 FY11 Q4 FY12 Change (bps) Q4 FY11 Q4 FY12 Change (bps) ROA* (%) (0.07) RONW* (%) (1.53) RWA (Rs. In crores) (22.91)# (21.99)# % % % NIM (%) *annualised # based on weighted average of Equity infusion of Rs.7900 crores on
15 Efficiency Ratios: Domestic & Foreign Offices (2/3) Rs. In Crores Indian Offices Foreign Offices Whole Bank FY11 FY12 Change (bps) FY11 FY12 Change (bps) FY11 FY12 Change (bps) ROA (%) RONW (%) (17.05)# (169) (15.89)# 305 RWA (Rs. In crores) % % % NIM #based on weighted average of Equity infusion of Rs.7900 crores on
16 Efficiency Ratios (3/3) Mar 11 Mar 12 Change (bps) Mar 11 Mar 12 ( in % ) Change (bps) Cost to Income (237) Gross NPA Operating Profit to NW Net NPA EPS (in Rs) % Tier I Book Value Per Share (In Rs.) Provision Coverage Ratio % Tier II (14) CAR
17 Quarterly Movement in Income Parameters (Sequential Growth %) (12) (11) 9050 (-11) (9) (18) (4) (6) (-10) (56) (-14) (13) 21 Rs. In crores (10) (1 ) (8) Net Intt. Income (20) Operating Profit (32) (19) (3) (-3) (7484) (-99) (78) Net Profit Q1FY11 Q2FY11 Q3FY11 Q4FY11 Q1FY12 Q2FY12 Q3FY12 Q4FY12 17 (16) (24)
18 Steady Increase in Net Interest Margin Cumulative NIM Whole Bank ( in % ) Mar 10 Mar 11 Jun 11 Jul 11 Aug 11 Sep 11 Oct 11 Nov 11 Dec 11 Jan 12 Feb 12 Mar 12 NIM Mar10 Mar 11 Jun 11 Jul 11 Aug11 Sep11 Oct 11 Nov11 Dec11 Jan 12 Feb12 Mar 12 Domestic FOs
19 Domestic : Costs & Yields Cost of Deposits Yield on Advances /Yield on Assets Yield on Advances ( in % ) Mar-11 Jun-11 Sep-11 Dec 11 Mar 12 Cost of Funds Mar-11 Jun-11 Sep-11 Dec 11 Mar 12 Yield on Investments Yield on Assets Mar-11 Jun-11 Sep-11 Dec 11 Mar 12 Mar-11 Jun-11 Sep-11 Dec 11 Mar 12 19
20 Corporate Citizen Rs. In crores Income Tax Paid FY 11: 6160 FY12: 6134 Q1 Q2 Q3 Q4 Total Tax Paid Other Taxes Income Tax Mar 10 Mar 11 Mar-12 20
21 Revenue & Expenditure ( in % ) RUPEE EARNED RUPEE SPENT 2.9 P/L on Sale of Inv Forex Income Fee Income Sundry Intt Int. on Res. Ops. 8.5 Transfer to Res Other Provisions Income Tax Overheads 15.9 Staff Expenses Interest on Borr Int. on Advances 67.1 Interest on dep Mar 11 Mar 12 Mar 11 Mar 12 21
22 Retail Deposits drive Growth Rs. In Crores Mar 11 Mar 12 Gr Amt Gr.% Whole Bank Deposits * Domestic Deposits * Deposits at FOs Term Deposits * Of which: Retail TDs (%) (77.12) (78.67) (86.05) Current Account (%) (12.39) (10.00) (8786) (8.21) Savings Bank (%) (37.43) (36.64) CASA CASA Ratio- Domestic (188) bps *March-11 figures are PF deposits adjusted (Rs crores in Mar-11, NIL as on Mar-12). 22
23 Customer Acquisition Growth Accelerated Number of Accounts (in lacs) Saving Bank 16.7% Current Account 6.0% 18.7% CAGR 7.0% CAGR Mar 10 Mar 11 Mar 12 Mar 10 Mar 11 Mar lac new accounts in FY lac new accounts in FY12 23
24 Diversified Exposure across Sectors Rs. In Crores ( Share %) Misc FOs Retail Agri SME MCG CAG Mar 11 Mar Total
25 Composition of Advances Growth (1/2) Rs. In crores Whole Bank 15.8% Domestic 14.4% Growth Mar 11 Mar 12 Mar 11 Mar 12 International 24.1% Agri 23.3% Mar 11 Mar 12 Mar 11 Mar 12 Growth in $ terms is 8.8% 25
26 Composition of Advances Growth (2/2) Rs. In crores Large Corporate 15.0% Mid Corporate 6.4% Growth Mar 11 Mar 12 Mar 11 Mar 12 SME 16.3% Retail 10.9% Mar 11 Mar 12 Mar 11 Mar 12 26
27 Diversified Exposure across Industries Rs. In crores Product / Segment Mar 10 Mar 11 Mar 12 Level Level Gr % % Share * Level Gr % % Share * Total Infrastructure Iron and Steel Textiles Engineering Food Processing Petroleum Other metals & metal Products Commercial Real Estate Gems and Jewellery Construction Chemicals : Drugs & Pharma Others Total Deployment of Credit to Industries * Share % to Loan Book of the Bank
28 Infrastructure Credit Rs. In crores Share % Other Road & Ports Telecom Power Mar 11 Mar 12 Total Infra Infrastructure Power Telecom Road & Ports Other Total Infra % (17.30) (1.80)
29 Market Leader in Retail Advances Rs. In crores Break-up of Retail Other Per. 27% Above Rs.30 lacs Education 7% Auto 10% Home 56% Upto Rs.30 lacs Mar 11 Mar 12 Total Level Home Auto Edu Other Per. Total Mar Mar Growth Abs Growth %
30 Agri Advances Across Sectors Other Direct 18% Break-up of Direct Agri Share % Farm Mech 9% Irrig. & Land Devp. 4% CAG 14% Misc 3% INTL 15% MCG 19% SME 16% RETAIL 20% AGL 13% SHGs 7% Agri Advances (Direct and Indirect) are 17.60% of ANBC Crop 62% Level Crop /Production Loans Investment/Allied Credit Mar Mar Growth Abs Growth %
31 CD Ratio & Market Share ( in % ) 72.2 CD RATIO SBI ASCB Mar 10 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 DEPOSITS ADVANCES Mar 10 Mar 11 Jun 11 Sep 11 Dec 11 Mar-12 Mar 10 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 31
32 Balance Sheet Size Rs. In crores LIABILITIES March 11 Mar 12 Growth (%) Capital Reserves and Surpluses Deposits Borrowings Other Liabilities & Provisions (37.03) Total Liabilities Deposits: 78.1% of total resources ASSETS March 11 Mar 12 Growth (%) Cash & balances with RBI (42.71) Balance with banks & money at call and short notice Investments Net Advances Fixed Assets Other Assets Total Assets Net Advances: 65.0% of Total Assets 32
33 Contribution of Resources - % Share ( in % ) Other liabilities Sub. Debt. Bonds Cap & Res Borrowings Deposits Mar 11 Mar 12 Total
34 Capital Adequacy CAR 13.39% 11.98% 13.86% Tier II 3.94% 4.07% 4.21% Tier I 9.45% 7.77% 9.79% Mar-10 Mar-11 Mar-12 34
35 Asset Quality Rs. In crores / (%) Sequentially Gross NPA Ratio is down by 17 bps and Net NPA Ratio by 40 bps. NPA Net Gross % % % 1.61% % 3.52% % % % 1.82% % 4.44% Provision Coverage % Mar 10 Mar 11 Jun 11 Sep 11 Dec 11 Mar
36 Movement of Net NPAs ( in % ) Mar-10 Mar 11 Jun 11 Sep 11 Dec 11 Mar 12 Net NPAs as on Mar-10 Mar-11 Mar-12 Levels
37 Movement of NPAs (1/2) Rs. In Crores FY11 Q1FY12 Q2FY12 Q3FY12 Q4FY12 FY12 Opening Level of Gross NPAs Cash Recovery Up gradation Write off Fresh Slippages Net Increase (422) Closing Level of Gross NPAs Recovery in W/o Accounts
38 NPAs by Sector Rs. In crores Break-up of NPAs Sector NPAs to Total NPAs (%) Sector Large Corporate Mid Corporate Amt. Mar 11 Mar 12 % of NPAs Amt. % of NPAs Large Corp Intl. 6.4 Retail Agri SME Agri SME 30.1 Retail International Mid-Corp 32.1 Total Mar 11 Mar 12 38
39 Sector-wise Movement of NPAs Q4FY12 (1/2) Rs. In crores Particulars Corp SME Agri Retail Intl. Total Cash Recovery Up-gradation Write off Gross Reduction Fresh Slippages Net Increase (793) (426) (422) 39
40 Sector-wise Movement of NPAs FY12 (2/2) Rs. In crores Particulars Corp SME Agri Retail Intl. Total Cash Recovery Up-gradation Write off Gross Reduction Fresh Slippages Net Increase (171)
41 NPA Position - Major Industries Rs. In crores Industry Fresh Slippages during Q1FY12 Q2FY12 Q3FY12 Q4FY12 Total FY12 Iron and Steel Textiles Engineering Agro Based Aviation Infrastructure Gems & Jewellery Paper/ Plastics Govt Sponsored Food Processing Metal Automobiles Mining Leather Sugar Miscellaneous Grand Total NPAs as on Share %
42 Details of Standard Assets Restructured (1/4) Rs. In crores Accounts Restructured Under RBI's Scheme Under Bank s Scheme As on During Total Mar 11 Q1FY12 Q2FY12 Q3FY12 Q4FY12 FY12 As on Mar Total Under RBI's Scheme Under Bank s Scheme As on Mar 11 Slippages During Q1FY12 Q2FY12 Q3FY12 Q4FY12 Total FY12 As on Mar Total % Slippages: 25.84% 42
43 Details of Standard Assets Restructured (2/4) Rs. In Crores Outstanding as on Year of Restructuring Grand Total Standard Category NPA Category No. of A/Cs Amount No. of A/Cs Amount No. of A/Cs Amount Upto Mar IBG Total Total restructured (Rs./ crs) - FY 10 ; : NPA 1032 (3.73%) FY 11 ; : NPA 2146 (6.97%) 6010 (16.2%) 43
44 Industry-wise details of Standard Assets Restructured (3/4) Rs. In Crores Slippages during Sectors/Industries Q4FY12 FY12 Textile Iron & Steel Aviation Power Engineering Hotels & Restaurant Mining Infra Sugar Pharma Readymade Mfg Auto & Transport Others Grand Total Break-up of Restructured Assets as on 31 st Mar 12 Standard NPAs Total
45 Break-up of Other Industries Restructured (4/4) Rs. In Crores Break-up of Others Slippages during Sectors/Industries Q4FY12 FY12 Food Processing Paper Chemicals Cement CRE Shipping & Transport Ceramic Non-Ferrous Metals IT Education inst Forging Agro based Retail & Trading Miscellaneous Total (Others) Break-up of Re-structured Assets as on 31 st Mar 12 Standard NPAs Total
46 Manpower Planning
47 Branch Expansion As on Metro Urban Semi- Urban Rural Total No of e-sbin branches merged during
48 Expanding Footprint Mar 11 Mar 12 Incr. Branches ATMs Debit Cards Internet Banking No. of Group Branches No. of SBI Domestic Branches No. of Overseas Branches No. of ATMs for the Group No. of ATMs for SBI Hits per day No. of Debit Cards (in lacs) No. of customers (in lacs) No. of transactions (in lacs) Mobile Banking Registered mobile users (in lacs) No. of financial transactions (in lacs) % of total transactions on alternate channels Merchant Acquiring No. of transactions (in lacs) Alternate Channels bps 66.52% (9377) of SBI branches are in rural & semi-urban areas 48
49 Balance Sheet Size - Consolidated Rs. In crores LIABILITIES March 11 Mar 12 Growth (%) Capital Reserves and Surpluses Minority Interest Deposits Borrowings Other Liabilities & Provisions Total Liabilities ASSETS March 11 Mar 12 Growth (%) Cash & balances with RBI Balance with banks & money at call and short notice Investments Net Advances Fixed Assets Other Assets Total Assets
50 Consolidated Financials Rs. In crores Interest Earned Interest Paid Net Int. Income Other Income Operating Income Staff Exp. Overheads Operating Expenses Operating Profit Provisions Net Profit Share of Minority Net Profit- Group Q4 FY11 Q4 FY12 Gr.% (2.5) (14.2) FY11 FY12 Gr.% (12.8) (2.2)
51 Performance Highlights of Non-Banking Subsidiaries(1/4) Rs. In crores Name Nature of Activity Date of Incorporation Total Income PAT ROE % SBI Capital Markets Ltd Investment Banker SBI Funds Management P Ltd SBI Life Insurance Company P Ltd SBI DFHI Ltd SBI Cards & Payment Services P Ltd SBI Global Factors Ltd Asset Management Company Life Insurance Primary Dealer Trading in Govt. & Non Govt. Securities ( ) Credit Cards Factoring & Forfeiting of Debts ( ) 296 (66) -ve SBI Pension Funds P Ltd Pension Fund Manager (0.3) -ve SBI SG Global Securities Services P Ltd SBI General Insurance Company Ltd Custodial and Fund Accounting General Insurance (95) -ve 51
52 Highlights of Non-Banking Subsidiaries(2/4) SBI Life Insurance Company Ltd. PAT of Rs. 556 Cr. ( growth of 52%). Declared 5%. Gross written Premium booked during the FY 12 Rs.13,134 Cr ( growth of 1.5%). Moves to FIRST position amongst Private Life Insurers in New Business Premium. Awarded NDTV Profit Business Leadership Award for second consecutive year. Globally leads at Million Dollar Round Table. Maximum number of MDRT members, for third year in a row. SBI Cards & Payment Services Pvt. Ltd. PAT of Rs.38 Cr. ( growth of 443%). Increase in spends by 31% (Rs.8423 cr in FY 2012). Reduction in Provision / Write offs by 32%. New accounts opened during the year 4 lacs. Cards in Force as on March lacs. SBI Funds Management Pvt.Ltd. PAT of Rs.61 Cr. ( negative growth of 23%). Market share of average AUM increased to 6.32% as on March 2012 from 5.95% as on March Fixed Maturity Plans launched in last quarter : Mobilisation Rs.5457cr. Nominated for Best Fund House of the Year in Fixed Income category - Bloomberg UTV Awards. 52
53 Highlights of Non-Banking Subsidiaries(3/4) SBI DFHI Ltd. PAT of Rs.44 Cr. ( negative growth of 23%). Share in outright turnover amongst all market participants increase by more than 27%. Regulatory targets for bidding commitments adhered to. Success Ratio 48% as against RBI stipulation of 40%. SBI Capital Markets Ltd PAT of Rs. 251 Cr. ( negative growth of 28%). Ranked No.1 for FY12 : Mandated Lead Arranger- Global Project Finance Loans by Dealogic. Qualified Institutional Placement by Bloomberg. SBI Pension Fund Pvt.Ltd. Recorded a net loss of Rs lacs during the FY Regained the lead position amongst Pension Fund Managers in the Organised Sector schemes in YTD return terms. AUM organised sector Rs. 5,837 Cr., informal sector Rs. 184 Cr. Registers highest NAV in 6 out of 9 asset categories under 5 NPS schemes. 53
54 Highlights of Non-Banking Subsidiaries(4/4) SBI General Insurance Co. Ltd. Loss of Rs. 95 Cr. In FY12 as against loss of Rs. 27 Cr. In FY11. Gross written Premium Rs.250 Cr as against Rs.43 Cr. ( growth of 481%). Solvency Margin as on 31 st March 2012 is as against Regulatory stipulation of 1.5. SBI Global Factors Ltd. Loss of Rs. 66 Cr. In FY12 as against loss of Rs. 126 Cr. In FY11. The Company started making profits on a month on month basis from September Factoring turnover increased to Rs.9014 Cr. ( growth of 19%). SBI SG Global Securities Services Pvt. Ltd. PAT of Rs Cr. ( growth of 118%). Company started operating in the year It is a unique JV and the only one in the country catering to both Domestic and FII clients. 54
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