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Annual Results FY 2011-12 THE BANKER TO EVERY INDIAN.

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Presentation on theme: "Annual Results FY 2011-12 THE BANKER TO EVERY INDIAN."— Presentation transcript:

1 Annual Results FY THE BANKER TO EVERY INDIAN

2 Healthy Growth in NII and Operating Profit - a Snapshot (1/2) Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Interest Income Interest Expenses Net Interest Income Other Income Staff Expenses Overheads Operating Expenses Operating Profit (9.31) Rs. In Crores 2

3 Net Profit up by 42% - a Snapshot (2/2) Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Operating Profit Total Provisions (8.46) Income Tax Loan Loss (13.08) Investment Depreciation (91.01) Of which: Dom. Equity (29.57) Dom. Bonds130 (14)(111.12) Foreign Operations14 (72)(621.02) Standard Assets (40.60) Other Provisions(43) (99)(132.03) Net Profit Rs. In Crores (10.66) (34)(98)(187.79)

4 Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% (15.49) (15.64) Rs. In Crores Components of Interest Income Interest on Loans Interest on Resources Other Sundry Interest Total Interest Income 4 Other Interest Income includes IT Refund of Rs.556 crores in FY11 and Rs.133 crores in FY12.

5 Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Rs. In Crores Components of Interest Expenses Interest on Deposits Interest on Borrowings Other Sundry Interest Total Interest Expenses 5 Other Sundry Interest Paid includes Interest of Rs.3395 crores paid on Tier II bonds of Rs crores as on

6 Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Fee Income Profit/loss on Sale of Investments 335 (26)(107.87) Of which; Domestic-Equity & MF 309 (42) Domestic-Bonds17 29 Foreign Operations8 (14) Forex Income Dividend Income Misc. Income (1.58) Total Other Income (920)(199.86) 811(797) 43(150) (2.18) (7.29) (6.46) (9.31) Components of Other Income Rs. In Crores 6

7 Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Loan Processing Charges Commission on Govt. Busi Commission on LCs Issued Commission on BGs Issued422385(8.82) Transaction Fees Core Power Commission on Collection Account Maintenance Charges Cross Selling Miscellaneous594358(39.64) Total Fee Income (11.43) (17.92) (22.19) Components of Fee Income Rs. In Crores 7

8 Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% (13.10) (1.23) *3471(13.88) (50.19) (0.98) Rs. In Crores Growth in Operating Expenses Contained Salary Provision for superannuation benefits Of which : Pension Gratuity Total Staff Expenses Staff expenses to Operating expenses (%) Overhead Expenses Total Operating Expenses 8 * Includes write back of Rs.8 crores on account of excess provision on Bonus

9 Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% Rent & Taxes, Lighting Depreciation331300(9.35) DICGC Insurance P&T, Courier, Telex & Stamps, Telephone Travelling expenses Repairs & Maintenance14892(37.79) Stationery, Printing Advt. & Publicity (9.51) Misc expenses Total Overheads (0.25) (19.87) Components of Overheads Rs. In Crores 9

10 Profitability : Domestic & Foreign Offices (1/4) Indian Offices Foreign Offices Interest Income Interest Expenses Net Interest Income Other Income Staff Expenses Overheads Operating Profit (28.65) Rs. In Crores 10 Q4 FY11Q4 FY12 YOY Gr.% Q4 FY11Q4 FY12 YOY Gr.%

11 Operating Profit :Domestic & Foreign Offices (2/4) Indian Offices Foreign Offices Rs. In Crores Q4 FY11Q4 FY12 YOY Gr.% Q4 FY11Q4 FY12 YOY Gr.% Operating Profit Total Provisions (7.72) Income Tax Loan Loss (10.29) Investment Depreciation 29099(65.97) Standard Assets (41.01) Other Provisions (50)(102)(106.79) Net Profit (204) (24.78) (57.31) 14(72)(620.99) 87(9.53) 73(56.46)

12 Profitability : Domestic & Foreign Offices (3/4) Indian Offices Foreign Offices Interest Income Interest Expenses Net Interest Income Other Income (9.90) Staff Expenses Overheads Operating Profit (3.38) Rs. In Crores 12 FY11 FY12 YOY Gr.% FY11FY12 YOY Gr.%

13 Operating Profit :Domestic & Foreign Offices (4/4) Indian Offices Foreign Offices Rs. In Crores FY11FY12 YOY Gr.% FY11FY12 YOY Gr.% Operating Profit Total Provisions Income Tax (1.15) Loan Loss Investment Depreciation Standard Assets Other Provisions (44)(107)(142.42) Net Profit (4.93) (41.02) (49.60) 109(12.94)

14 Efficiency Ratios: Domestic & Foreign Offices (1/3) Rs. In Crores 14 Indian OfficesForeign OfficesWhole 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) (22.91)# (21.99)# 2186 RWA (Rs. In crores) % % % 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 15 Indian OfficesForeign OfficesWhole 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 Cost to Income (237) Operating Profit to NW EPS (in Rs) % Book Value Per Share (In Rs.) % Provision Coverage Ratio Efficiency Ratios – (3/3) Gross NPA Net NPA Tier I Tier II (14) CAR Mar 11Mar 12 Change (bps) Mar 11Mar 12 Change (bps) 16 ( in % )

17 Rs. In crores Quarterly Movement in Income Parameters 17 (Sequential Growth %) (9) (11) (12) (-11) (20) (8) (10) (1 ) (18)(4) (6) (-10) (19) (3) (-3) (32) (56) (-14) (13) (-99) (7484) (78) (16) (24)

18 NIMMar10Mar 11Jun 11Jul 11Aug11Sep11Oct 11Nov11Dec11Jan 12Feb12Mar 12 Domestic FOs Steady Increase in Net Interest Margin ( in % ) Cumulative NIM – Whole Bank

19 Yield on Advances /Yield on Assets Cost of Deposits 19 Domestic : Costs & Yields ( in % ) Yield on Advances Yield on Investments Cost of Funds Yield on Assets

20 Yield on Advances /Yield on Assets Cost of Deposits 20 International : Costs & Yields ( in % ) Yield on Advances Yield on Investments Cost of Funds Yield on Assets Cost of Deposits Cost of Funds

21 Rs. In crores Corporate Citizen 21 Income Tax Paid Income Tax Other Taxes Total Tax Paid FY 11: 6160 FY12:

22 RUPEE EARNED RUPEE SPENT Revenue & Expenditure 22 Mar 11Mar 12 Mar 11Mar 12 Interest on dep. Staff Expenses Overheads Income Tax Other Provisions Transfer to Res. Interest on Borr. ( in % ) Sundry Intt

23 Rs. In Crores Retail Deposits drive Growth Mar 11 Mar 12 YOY Gr Amt YOY Gr.% Whole Bank Deposits910674* Domestic Deposits863893* Deposits at FOs Term Deposits433440* 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 23 *March-11 figures are PF deposits adjusted (Rs crores in Mar-11, NIL as on Mar-12).

24 Saving Bank Current Account 219 lac new accounts in FY121.5 lac new accounts in FY12 24 Number of Accounts (in lacs) Customer Acquisition Growth Accelerated YOY 16.7% 18.7% CAGR 7.0% CAGR YOY 6.0%

25 ( Share %) Diversified Exposure across Sectors Total Rs. In Crores

26 Whole BankDomestic Agri 26 Composition of Advances Growth (1/2) 15.8% 23.3% Growth YOY Rs. In crores International 24.1% Growth in $ terms is 8.8% 14.4%

27 Large CorporateMid Corporate SME 27 Composition of Advances Growth (2/2) 15.0% 6.4% 16.3% Retail 10.9% Rs. In crores Growth YOY

28 Rs. In crores 28 Diversified Exposure across Industries Product / Segment Mar 10Mar 11Mar 12 Level YOY Gr % % Share *Level YOY 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

29 Rs. In crores 29 Infrastructure Credit InfrastructurePowerTelecomRoad & PortsOtherTotal Infra YOY %20.71(17.30)21.86(1.80) Total Infra Share %

30 Break-up of Retail 30 Market Leader in Retail Advances LevelHomeAutoEduOther Per.Total Mar Mar Growth Abs YOY Growth % Rs. In crores Total

31 Break-up of Direct Agri Across Sectors 31 Level Crop /Production LoansInvestment/Allied Credit Mar Mar Growth Abs YOY Growth % Agri Advances Share % Agri Advances (Direct and Indirect) are 17.60% of ANBC

32 32 CD RATIO CD Ratio & Market Share DEPOSITS ADVANCES ( in % )

33 Rs. In crores Balance Sheet Size 33 LIABILITIES March 11Mar 12YOY Growth (%) Capital Reserves and Surpluses Deposits Borrowings Other Liabilities & Provisions (37.03) Total Liabilities ASSETSMarch 11Mar 12YOY 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 Deposits: 78.1% of total resources Net Advances: 65.0% of Total Assets

34 Mar 11Mar 12 Contribution of Resources - % Share ( in % ) Total

35 13.39% Capital Adequacy 35 CAR Tier II Tier I 13.86%11.98%

36 Rs. In crores / (%) Asset Quality %3.52% 4.61% 1.72% 1.63% 1.61% 2.22% NPA 4.19% 2.04% Sequentially Gross NPA Ratio is down by 17 bps and Net NPA Ratio by 40 bps Provision Coverage % % 1.82%

37 Movement of Net NPAs ( in % ) Net NPAs as onMar-10Mar-11Mar-12 Levels

38 FY11Q1FY12Q2FY12Q3FY12Q4FY12FY12 Opening Level of Gross NPAs Cash Recovery Up gradation Write off Fresh Slippages Net Increase (422)14350 Closing Level of Gross NPAs Recovery in W/o Accounts Movement of NPAs (1/2) Rs. In Crores

39 Break-up of NPAs 38 Rs. In crores NPAs by Sector Sector Mar 11Mar 12 Amt. % of NPAs Amt. % of NPAs Large Corporate Mid Corporate SME Agri Retail International Total Sector NPAs to Total NPAs (%)

40 Particulars Cash Recovery Up-gradation Write off Gross Reduction Fresh Slippages Net Increase CorpSMEAgriRetailIntl.Total (793)(426)(422) 39 Sector-wise Movement of NPAs – Q4FY12 (1/2) Rs. In crores

41 Particulars Cash Recovery Up-gradation Write off Gross Reduction Fresh Slippages Net Increase CorpSMEAgriRetailIntl.Total (171) Sector-wise Movement of NPAs – FY12 (2/2) Rs. In crores

42 Industry Fresh Slippages during Total FY12 Q1FY12Q2FY12Q3FY12Q4FY12 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 NPA Position - Major Industries NPAs as on Share % Rs. In crores

43 Accounts Restructured Slippages As onDuring Total FY12 As on Mar 12 Mar 11Q1FY12Q2FY12Q3FY12Q4FY12 Under RBI's Scheme Under Bank’s Scheme Total % Slippages: 25.84% 42 Details of Standard Assets Restructured (1/4) As on Mar 11 During Total FY12 As on Mar 12 Q1FY12Q2FY12Q3FY12Q4FY12 Under RBI's Scheme Under Bank’s Scheme Total Rs. In crores

44 Year of Restructuring Outstanding as on Grand TotalStandard CategoryNPA Category No. of A/CsAmount No. of A/Cs Amount No. of A/Cs Amount Upto Mar IBG Total (16.2%) 43 Details of Standard Assets Restructured (2/4) Rs. In Crores Total restructured (Rs./ crs) - FY 10 ; : NPA – 1032 (3.73%) FY 11 ; : NPA – 2146 (6.97%)

45 Slippages during Sectors/IndustriesQ4FY12FY12 Textile Iron & Steel55538 Aviation Power9419 Engineering--44 Hotels & Restaurant23363 Mining--13 Infra65 Sugar-- Pharma Readymade-- Mfg-- Auto & Transport--39 Others Grand Total Break-up of Restructured Assets as on 31 st Mar 12 StandardNPAsTotal Industry-wise details of Standard Assets Restructured (3/4) Rs. In Crores

46 Break-up of Others Slippages during Sectors/Industries Q4FY12FY12 Food Processing-- Paper--82 Chemicals73113 Cement-- CRE2398 Shipping & Transport-- Ceramic-- Non-Ferrous Metals-- IT39 Education inst-- Forging-- Agro based--939 Retail & Trading--68 Miscellaneous77460 Total (Others) Break-up of Re-structured Assets as on 31 st Mar 12 StandardNPAsTotal Break-up of Other Industries Restructured (4/4) Rs. In Crores 45

47 46 Manpower Planning

48 As on MetroUrban Semi- Urban RuralTotal Branch Expansion No of e-SBIN branches merged during

49 Expanding Footprint 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) Registered mobile users (in lacs) No. of financial transactions (in lacs) % of total transactions on alternate channels bps Branches ATMs Debit Cards Internet Banking Mobile Banking Alternate Channels % (9377) of SBI branches are in rural & semi-urban areas Mar 11 Mar 12YOY Incr. Merchant Acquiring No. of transactions (in lacs)

50 Rs. In crores Balance Sheet Size - Consolidated 49 LIABILITIES March 11Mar 12YOY Growth (%) Capital Reserves and Surpluses Minority Interest Deposits Borrowings Other Liabilities & Provisions Total Liabilities ASSETSMarch 11Mar 12YOY Growth (%) Cash & balances with RBI Balance with banks & money at call and short notice Investments Net Advances Fixed Assets Other Assets Total Assets

51 Consolidated Financials Q4 FY11Q4 FY12 YOY Gr.% FY11FY12 YOY Gr.% (2.5) (14.2) (12.8) (2.2) 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 50 Rs. In crores

52 Performance Highlights of Non-Banking Subsidiaries(1/4 ) 51 NameNature of Activity Date of Incorporation Total Income PATROE % SBI Capital Markets Ltd Investment Banker SBI Funds Management P Ltd Asset Management Company SBI Life Insurance Company P Ltd Life Insurance SBI DFHI Ltd Primary Dealer Trading in Govt. & Non Govt. Securities ( ) SBI Cards & Payment Services P Ltd Credit Cards SBI Global Factors Ltd 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 Custodial and Fund Accounting SBI General Insurance Company Ltd General Insurance (95) -ve Rs. In crores

53 SBI Cards & Payment Services Pvt. Ltd. SBI Funds Management Pvt.Ltd. Highlights of Non-Banking Subsidiaries(2/4) SBI Life Insurance Company Ltd. 52 PAT of Rs. 556 Cr. (YOY growth of 52%). Declared 5%. Gross written Premium booked during the FY 12 Rs.13,134 Cr (YOY 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. PAT of Rs.38 Cr. (YOY 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 2012  23 lacs. PAT of Rs.61 Cr. (YOY 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.

54 SBI DFHI Ltd. SBI Pension Fund Pvt.Ltd. SBI Capital Markets Ltd Highlights of Non-Banking Subsidiaries(3/4) 53 PAT of Rs.44 Cr. (YOY negative growth of 23%). Share in outright turnover amongst all market participants increase by more than 27% YOY. Regulatory targets for bidding commitments adhered to. Success Ratio 48% as against RBI stipulation of 40%. PAT of Rs. 251 Cr. (YOY negative growth of 28%). Ranked No.1 for FY12 : Mandated Lead Arranger- Global Project Finance Loans by Dealogic. Qualified Institutional Placement by Bloomberg. 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.

55 SBI General Insurance Co. Ltd. SBI SG Global Securities Services Pvt. Ltd. SBI Global Factors Ltd. Highlights of Non-Banking Subsidiaries(4/4) 54 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. (YOY growth of 481%). Solvency Margin as on 31 st March 2012 is as against Regulatory stipulation of 1.5. 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. (YOY growth of 19%). PAT of Rs Cr. (YOY 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.

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