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Quarterly Quarterly Results Q1 FY 2012: The Banker To Every Indian
Quarterly Quarterly Results Q1 FY 2012: The Banker To Every Indian
Parameter Interest Income Interest Expenses Net Interest Income NIM (%) of which
NIM for Domestic Offices NIM for Foreign Offices
NIM for FY 2011: Whole Bank 3.32, Domestic 3.39, Foreign Offices 1.49
2
Parameter
Fee Income Profit on sale of Investments Forex Income Dividend Income Misc Income Total Other Income
Q1 FY 11
Q4 FY 11
Q1 FY 12
YOY Growth %
Operating Expenses
Rs. In Crores
Parameter
Salary Contribution for Employees Of which: Gratuity & Bonus Pension Total Staff Expenses Overhead Expenses Total Operating Expenses
Q1 FY 11
Q4 FY 11
Q1 FY 12
YOY Growth %
Parameter
Operating Profit Total Provisions Of which: Income Tax Loan Loss Investment Depreciation Std Assets Net Profit
Q1 FY 11
Q4 FY 11
Q1 FY 12
YOY Growth %
Efficiency Ratios
In percentage
1.07 17.09
0.71 12.84
Gross NPA
Net NPA
Tier I Tier II
CAR
June-11
Tier II Capital 3%
Deposits 78%
Deposits 79%
1135
2,160
June 10
March 11
June 11
June 10
March 11
June 11
9
Across Sectors
Across Industries
Textiles 10% Petroleum 8%
Food Proc. 7%
AGL 12%
Infra 20%
Iron&Steel 11%
INTL. 14%
Constr. 2%
Gems&Jew el. 3%
Chemicals 4% Engineering 7%
10
11
Mid Corporate
21.67%
Rs. In Crores
108,741 95,603
114,122 131160
157566
159586
June 10 International
March 11
June 11
June 10 SME
March 11
21.15%
June 11
5.27%
99317
119676
120327
June 10
March 11
June 11
June 10
March 11
June 11 12
Agri
Rs. In Crores
25.67%
June 10 Domestic
March 11
21.26%
June 11
March 11
18.73%
June 11
558,660
662,444
677,440 663828
771802
788153
June 10
March 11
June 11
June 10
March 11
13 June 11
Other Per 26% Edu Loans 7% Auto Loans 13% Home Loans 54%
Misc 3%
4.77 9.66 9.30 10.43 9.50 9.58 9.56 3.86 4.03 4.25 4.38 4.30
CD ratio (%)
Cost of Funds
5.89 5.80 5.27 5.25 5.20 5.26 YOA 5.66 5.40 5.39 5.36 5.41 COD
5.85
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
In percentage
June-10 Advances
3 bps SBI 16.52% SBI 16.55%
June-11
CD Ratio 74.85%
CD Ratio 76.68%
16
RUPEE EARNED
65.8 20.1 1.3 9.5 1.2 0.1 1.5 52.3 13.4 8.2 5.4 14.99 5.7
17
RUPEE SPENT
24197
21,721 18,452 31
18256
Interest on Advances
16,257 13,422
36
5580
Interest on Resource operations
5,305 4,610
21
361
Other Sundry interest
160 420
-14
Q1 FY 12 Q4 FY 11 Q1 FY 11
18
14498
Total Interst Expenses
13,663 11,148
30
12756
Interest on Deposits
11,943 10,080
27
846
Interest on borrowings
907 357
137
896
Other Sundry interest
Q1 FY 12
814 711
26
Q4 FY 12 Q1 FY 11
19
Capital Adequacy
In Percentage Tier II 11.98* Tier I 11.60
13.39
13.12
3.94
9.45
9.37
7.77
7.60
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
Asset Quality
Rs. In crores / (%) 23,438
(3.17)
Gross NPA Net NPA
25,326
(3.28)
27,768
(3.52)
23,205 19,535
(3.05) 10,870 (1.72)
20,825
(3.14)
(3.35)
11,074 (1.70)
11,601 (1.70)
11,695 (1.61)
12,347 (1.63)
12,435 (1.61)
Mar-10
Jun-10
Sep-10
Dec-10
Mar-11
Jun-11
21
Movement of NPAs
Rs In Crores Q1FY11 Q4FY11 FY11 Q1FY12
Opening Level of NPAs Cash Recovery + Upgradation Write off Fresh Slippages Net Increase Closing Level of NPAs Break-up of NPAs -30.06.11 (%) Retail 15% Agri 19% SME 21%
19535
23438 19535
25326
2164
2666
8347
3076
25326 25326
Industry Iron and Steel+ Metal+mining Govt Sponsored Infrastructure Textiles Agro Based Paper/ Plastics etc Gems & Jewellery Trading Hospitality Retail Engineering
Education IT Others Grand Total
Fresh slipagges in Q1FY12 412 107 650 411 145 79 117 407 91 56 89
63 7 1,043 3,677
NPAs as on 30.06.11 2,134 1,750 1,550 1,459 1,213 676 614 544 472 436 359
337 328 4,096 15,968
23
Intl. SME
Agri
Retail Total
Sector-wise % of NPAs
Sector Jun-10 Mar-11 Jun-11
656
55
934
621
810
3076
Corporate
Write off
55
309
90
208
662
656
110
1243
711
1018
3738
Agri
1716
141
1961 1442
920
6180
Retail Total
1060
31
718
731
-98
2442
Sector-wise break up
Sectors
Corporate
RBI's Scheme
Bank's Scheme
45
Total
45 5
25299
Electricals Engineering
SME
3948 1238 --
Retail
International
Total
18395
16518
34913
Plastic Total
Expanding Footprint
Jun-10 No. of Group Branches 18,049 12,567 150 21,751 16,584 271 590 47.29 260.39 3.17 6.76 23.43 Mar-11 18,266 13,542 156 25,005 20,084 285 728 62.57 457.74 10.13 51.85 27.66 Jun-11 18,324 13,577 157 25,444 20,450 279 770 67.31 523.16 14.32 28.06 31.40
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 No. of customers No. of transactions Registered mobile users No. of transactions
27
26313 15962 10351 6495 16846 4181 4506 8687 8159 4692 3365
30072 18638 11434 10071 21505 5393 7664 13057 8448 6979 1245
33417 20293 13124 5709 18833 4931 4656 9587 9246 6476 2513
27.00 27.13 26.79 -12.10 11.80 17.94 3.33 10.36 13.32 38.02 -25.34
28
THANK YOU
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