Post on 09-Jan-2016
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STATE BANK OF MYSORE
Highlights of Performance for FY14
STATE BANK OF MYSORE
Highlights of Performance for FY14
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STATE BANK OF MYSORE
Highlights of Performance for FY14
STATE BANK OF MYSORE
Highlights of Performance for FY14
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STATE BANK OF MYSOREAUDITED FINANCIAL RESULTS MARCH ‘14
STATE BANK OF MYSOREAUDITED FINANCIAL RESULTS MARCH ‘14
Rs. in CroresGrowth %
MAR’14 DEC’13 MAR’13 MAR’14 MAR’13YoY FY‘14 Over FY’13
1Interest earned(Adv & Invtts)
1,642 1,606 1,538 6,323 5,965 6.0
2Interest Expended(Dep / borrowings)
1,126 1,144 1,070 4,396 4,125 6.6
3 Net Interest Income 516 462 468 1,926 1,840 4.7
4 Other Income 183 124 183 573 548 * 4.6
a Of which Treasury Income 29 34 38 129 125 3.2
5 Net Operating Income 699 587 651 2,499 2,388 * 4.6
Quarter Ended Year Ended
5* excl. one time depreciation credit of Rs. 47 crores
STATE BANK OF MYSOREAUDITED FINANCIAL RESULTS MARCH ‘14
STATE BANK OF MYSOREAUDITED FINANCIAL RESULTS MARCH ‘14
Rs. in Crores
Growth
MAR’14 DEC’13 MAR’13 MAR’14 MAR’13
YoY FY‘14 Over FY’13
6 Operating expenses 338 340 297 1,335 1,104 20.9
A Employee cost 185 206 160 784 640 22.5
BOther operating expenses
(incl. dep. on FA)153 134 137 551 464 18.8
7Operating profit
(before provisions/contingencies)361 247 354 1,164 1,331 -12.5
8Provisions (other than tax)
(NPA/DFV/Std/Invtt./Wage) 277 133 230 937 636 47.3
(of which provisions for NPAs) 202 149 121 720 413 74.3
9Profit/Loss from ordinary
activities before tax84 114 122 227 695 -67.3
10 Tax Expenses -23 29 48 -47 279 -116.8
11 Net profit for the period 107 85 76 274 416 -34.1
Quarter Ended Year Ended
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STATE BANK OF MYSOREAUDITED FINANCIAL RESULTS MARCH ‘14
STATE BANK OF MYSOREAUDITED FINANCIAL RESULTS MARCH ‘14
Rs. in Crores
*Recast under Basel-III# Annualized
Growth in bps
MAR’14 DEC’13 MAR’13 MAR’14 MAR’13YoY FY‘14 Over FY’13
12 NIM (%) 3.02 2.99 # 3.22 3.02 3.22 -20
13 CAR (%) (Basel- III) 11.08 11.19 11.28 * 11.08 11.28 * -20
14 Gross NPA(%) 5.54 6.56 4.53 5.54 4.53 101
15 Net NPA (%) 3.29 4.21 2.69 3.29 2.69 60
16 Expenses ratio (%) 53.40 55.38 46.30 53.40 46.30 710
Quarter Ended Year Ended
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Rs. in crsQuarterly Movement in Income ParametersQuarterly Movement in Income Parameters
(Sequential Growth %)
(16)
(-5 )
(-51)
(-6)
(5)
(-66)
(8)
(13)
(263)
(12)
(7)
(10) (-7)
Op Profit
Net Intt Income
Net Profit
(-2) (2) (-2)
(-20)
(-32)
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(7) (-6)
(12)
(-4) (-9)
(46)
(-42)
(183)(26)
NIM
Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14
3.16 3.20 3.31 3.27 3.22 3.03 3.05 2.99 3.02
3.16 3.203.31 3.27 3.22
3.03 3.05 2.99 3.02
Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14
MOVEMENT IN NET INTEREST MARGIN MOVEMENT IN NET INTEREST MARGIN ( in % )
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12.55 11.28 11.08
3.402.63 2.43
0.22 0.21
9.15 8.43 8.44
Mar'12# Mar'13* Mar'14
AT-I
CET-ITIER-I
TIER-II
CAR
CAPITAL ADEQUACY (BASEL-III)CAPITAL ADEQUACY (BASEL-III)
* Recast under Basel-III# under Basel-II 10
Total CRAR 12.55 # 11.28 11.08
Rs. in Crores
RETAIL DEPOSITS GROWTH RETAIL DEPOSITS GROWTH
MAR’14 MAR’13YOY GR
(AMOUNT)YOY GR
(%)
Total Deposits 61,560 56,970 4,590 8.1
Of which Non-Bulk Dep. 51,226 42,619(%) (83) (75)
Retail TDs 30,915 24,836(%) (50) (44)
Current Account 3,141 2,667(%) (5) (4)
Savings Bank 17,170 15,116(%) (28) (27)
CASA 20,311 17,783 2,528 14.2
CASA to Agg Dep Ratio 33.25 31.36 --- 189 bps
8,607
6,079
474
2,054
20.2
24.5
17.8
13.6
11Growth in P Segment Savings Bank 16.51% in FY13 to 18.87% in FY14
MSE C&I
Per Agri
ADVANCES GROWTHADVANCES GROWTHRs. in crores
Mar-12 Mar-13 Mar-14
3,354 3,7444,524
20.83%
Mar-12 Mar-13 Mar-14
25,674
29,02630,386
Mar-12 Mar-13 Mar-14
6,3787,459
8,864
Mar-12 Mar-13 Mar-14
5,247 5,7527,088
4.69%
18.84%
GrowthYOY
23.23%
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CD RATIO CD RATIO
81.9 80.5 81.1 83.7 80.7 78.7 79.6 80.9 83.3
77.0 76.4 75.8 77.6 77.9 76.4 77.0 76.7 77.7
Mar 12 Jun 12 Sep12 Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 *
ASCB
SBM
in %CD RATIO
* As on 21.03.2014
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Break-up of RetailAcross Sectors
RETAIL ADVANCES RETAIL ADVANCES
in %
C&I 63
SME 8
AGRI 13
PER 16
HOME 50
AUTO 8
EDU 9
GOLD 3
OTHER PER 30
C&I 60
SME 9
AGRI 14
PER 17
Mar’13
Mar’14
Level Home Auto Edu Total (P-Segment)
Dec-12 3,550 549 617 7,073Dec-13 4,171 683 635 8,383
Dec y-o-y Growth Abs. 621 134 18 1,310y-o-y Growth % 17.5 24.4 2.92 18.5
Level Home Auto Edu Gold Total (P-Segment)
Mar'13 3,732 575 611 248 7,459Mar'14 4,398 713 628 384 8,864
y-o-y Growth 666 138 17 136 1,405y-o-y Growth % 17.8 24.0 2.8 54.8 18.8
HOME 50
AUTO 8EDU 7
GOLD 4
OTHER PER 31
Rs. in crs
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SOCIAL & PRIORITY SECTOR BANKING
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Expanding FootprintExpanding FootprintMar’12 Mar’13 Mar’14
Increase(Mar’14 Over Mar’13)
Branches No. of Branches 737 780 944 164
ATMsNo. of ATMs 802 853 1,107 254
Hits per day 218 233 233 ---
Debit Cards(in lacs)
No. of Debit Cards 23 30 37.9 7.9
% to SB Accounts 59.7 61.2 65.7 450 bps
Internet Banking (in lacs)
No. of customers (Outstanding) 1.7 2.3 3.0 0.7No. of transactions (current growth) 39 63.3 89.4 26.1
Mobile Banking (in lacs)
Registered mobile users (Outstanding) 0.03 0.09 0.19 0.10No. of transactions(current growth) 0.18 0.88 2.16 1.28
Green Channel No. of transactions 25 48,415 2,00,224 1,51,809
POS MachinesBoarded(Installed) ---
102(34)
2,172(2,000)
2,070(1,966)
No. of transactions --- 2,915 4,21,254 4,18,339
Alternate Channels% of total transactions on alternate channels & e-mode of Transactions
28.7 33.3 45.2 1,190 bps
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Rs in Crores
Details of Standard Assets Restructured (2/4) Details of Standard Assets Restructured (2/4)
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As on Mar’12 Mar’13 Mar’14
Under RBI's Scheme 801 403 254
Under Bank’s Scheme 1,870 3,480 4,331
Total 2,671 3,963 4,585
As on Mar’12 Mar’13 Mar’14
Under RBI's Scheme 26 24 22
Under Bank’s Scheme 169 246 509
Total 195 270 531
% Slippages 7 7 12
Accounts Restructured: Total value
Slippages
ThaThanknk youyou
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