State Bank Of Mysore EXTENDS A WARM WELCOME TO PRESS MEET 25.04.2014

STATE BANK OF MYSORE

Highlights of Performance for FY14



3





4

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



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


6



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


7

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)

8

(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 % )

9

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%


25,674

29,02630,386


6,3787,459

8,864


5,247 5,7527,088

4.69%

18.84%

GrowthYOY

23.23%

12

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

13

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

16

SOCIAL & PRIORITY SECTOR BANKING

18

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

21

Rs in Crores

Details of Standard Assets Restructured (2/4) Details of Standard Assets Restructured (2/4)

24

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

25

State Bank Of Mysore EXTENDS A WARM WELCOME TO PRESS MEET 25.04.2014

Documents

Transcript of State Bank Of Mysore EXTENDS A WARM WELCOME TO PRESS MEET 25.04.2014