Final Analyst Q3FY15 PDF ANALYST PPT Q3FY15ANALYST+PPT+Q3FY15.pdf · 2019. 5. 30. · 9.50 10.50...

Q3FY15

Quarterly Results

13th February 2015

Safe Harbor

Certain statements in these slides are forward-looking statements. These

statements are based on management's current expectations and are

subject to uncertainty and changes in circumstances. Actual results may

differ materially from those included in these statements due to a variety

of factors.

2

All financial and other information in these slides, other than financial and

other information for specific subsidiaries where specifically mentioned, is

on an unconsolidated basis for SBI only unless specifically stated to be

on a consolidated basis for SBI Group. Please also refer to the statement

of unconsolidated, consolidated and segmental results required by Indian

regulations that has, along with these slides, been filed with the stock

exchanges in India

Performance Highlights

YOY Q3FY15 over Q3FY14

SOLO GROUP

Net Profit 30.24% 34.86%

Operating Profit 22.00% 21.61%

Q3FY15

Net Profit

SOLO

Rs. 2910 crores

(Rs. 2234 crores)

3

Operating Profit 22.00% 21.61%

Non Interest Income 24.27% 18.25%

Expense Ratio - 432 bps -105 bps

Gross NPA Ratio - 83 bps -59 bps

Capital Adequacy Ratio*

(Basel III)Tier I 10.01 % Overall 12.66%

* with retained profit

(Rs. 2234 crores)

GROUP

Rs.3828 crores

(Rs. 2839 crores)

Figures in bracket indicate Q3FY14

NII and Operating Profit

Rs. In CroresQ3FY15 Q3FY14

Interest Income 38546 34853 10.60 112296 100493 11.74

Other Income 5238 4215 24.27 14061 11967 17.49

Total Income 43784 39068 12.07 126357 112460 12.36

YOY % 9MFY15 9MFY14 YOY %

4

Interest Expenses 24770 22237 11.39 71992 64114 12.29

Net Interest Income 13777 12616 9.20 40303 36379 10.79

Operating Expenses 9720 9213 5.51 27860 26865 3.70

Operating Profit 9294 7618 22.00 26504 21481 23.38

Net Profit - a Snapshot


Operating Profit 9294 7618 22.00 26504 21481 23.38

Total Provisions 6384 5384 18.58 17145 13631 25.78

Loan Loss 4717 3429 37.59 12649 8340 51.67


5

Standard Assets 370 196 89.20 606 732 -17.17

Investment

Depreciation47 621 -506 1161

Other Provisions 101 -95 258 -188

Income Tax 1150 1235 -6.89 4138 3587 15.37

Net Profit 2910 2234 30.24 9360 7850 19.22

Rs. In crores

Movement in Income Parameters Q3

Net Int. Income

Operating Profit

67647260 7791 7618

9294

9050

11519 1114112616 13777

Q3FY 11 Q3FY 12 Q3FY 13 Q3FY 14 Q3FY 15

6

Net Profit- Solo

28283263 3396

22342910


6764


Interest on Loans 28646 26310 8.88 84075 75535 11.31

Interest on Resources 9636 8308 15.99 27451 24025 14.26

Other Sundry Interest 264 235 11.93 769 934 -17.61

Total Interest Income 38546 34853 10.60 112296 100493 11.74

Rs. In Crores

Components of Interest Income/Expenses

Q3FY15 Q3FY14 YOY % 9MFY15 9MFY14 YOY %

Total Interest Income 38546 34853 10.60 112296 100493 11.74

Interest on Deposits 22816 20111 13.45 65963 57474 14.77

Interest on Borrowings 981 1207 -18.72 3136 3890 -19.39

Other Sundry Interest 972 918 5.92 2893 2749 5.24

Total Interest Expenses 24770 22237 11.39 71992 64114 12.29

7

Components of Other Income


Fee Income 3291 2971 10.75 9239 8144 13.44

Profit/loss on Sale of

Investments 920 238 286.06 1959 1676 16.92

Forex Income 502 604 -16.90 1401 1248 12.29


8

Forex Income 502 604 -16.90 1401 1248 12.29

Dividend Income 0 8 61 45 33.17

Misc. Income 526 393 33.76 1401 854 64.04

Total Other Income 5238 4215 24.27 14061 11967 17.49

Components of Fee Income


Loan Processing Charges 876 692 26.71 1701 1641 3.64

Commission on Govt. Busi. 491 409 20.09 1492 1255 18.94

Commission on LC/BG 750 730 2.72 2169 2050 5.78


9

Commission on LC/BG 750 730 2.72 2169 2050 5.78

Transaction Fees 757 598 26.54 2257 1690 33.54

Commission on Collection 79 95 -17.04 265 271 -2.48

Misc Fee Income 338 448 -24.57 1355 1237 9.57

Total Fee Income 3291 2971 10.75 9239 8144 13.44

Components of Operating Expenses

Rs. In Crores

Payment to and Provisions for

Employees5842 5867 -0.43 16971 17225 -1.48

Rent, Taxes and Lighting 863 726 18.84 2496 2147 16.30

ATM Expenses 571 495 15.31 1644 1138 44.46

Depreciation on Bank's Property 403 378 6.68 1075 991 8.51

Insurance 390 346 12.90 1133 1078 5.03

Q3FY15 Q3FY14 YOY % 9MFY15 9MFY14 YOY %

10

Postage, Telegrams, Telephone 179 192 -6.68 467 507 -7.90

Travelling Expenses 150 161 -7.19 433 469 -7.62

Repairs and Maintenance to Bk's

Property143 110 30.82 403 320 26.08

Printing and Stationery 77 59 32.18 218 197 10.85

Advt. & Publicity 77 47 64.65 160 169 -4.77

Law Charges 44 52 -15.94 139 139 -0.46

Auditors Fee and Expenses 42 37 15.83 127 124 2.66

Other Expenses 938 745 26.04 2593 2361 9.81

OPERATING EXPENSES 9720 9213 5.51 27860 26865 3.70

Movement in Net Interest Margin ( in % )

Domestic NIM

3.723.66

3.44 3.48 3.48 3.493.54 3.49 3.503.6

3.8

4

4.2

4.4

Cumulative

11

NIM-

Cumulative Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14

FOs 1.52 1.50 1.49 1.50 1.49 1.42 1.08 1.20 1.19

Whole Bank 3.41 3.34 3.16 3.19 3.19 3.17 3.13 3.11 3.12

3

3.2

3.4

Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14

10.89 10.80

10.23 10.3210.40 10.47

10.58 10.57 10.57

6.23 6.25 6.21 6.22 6.25 6.27 6.28 6.31 6.32

3.50

4.50

5.50

6.50

7.50

8.50

9.50

10.50

11.50

8.50

Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep 14 Dec 14

Yield on Advances Cost of Deposits

Yield on Advances /Yield on Assets Cost of Deposits

Domestic : Costs & Yields( in % )

Yield on Investments

6.37 6.40 6.34 6.38 6.40 6.41 6.42 6.42 6.43

0.000.250.500.751.001.251.501.752.002.252.502.753.003.253.503.754.004.254.504.755.005.255.505.756.006.256.506.757.007.257.507.758.00

Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep 14 Dec 14

Cost of Funds

12

Rs. In Crores

Retail Deposits drive Growth

LevelYOY Growth

Dec-14

Dec-14 Mar-14 Dec-13 Amt. %

Whole Bank Deposits 1510077 1394409 1349940 160137 11.86

Domestic Deposits 1417732 1305984 1258622 159110 12.64

Deposits at FOs 92345 88425 91317 1028 1.13

Term Deposits 814095 725787 706237 107858 15.27

13

Term Deposits 814095 725787 706237 107858 15.27

Of which: Retail TD 722616 593792 559847162769 29.07

(%) 88.76 81.81 79.27

Current Account 94363 110935 865527811 9.02

(%) 6.66 8.49 6.88

Savings Bank 509274 469262 46583343441 9.33

(%) 35.92 35.93 37.01

CASA 603637 580197 552385 51252 9.28

CASA Ratio- Domestic (%) 42.58 44.43 43.89

167942

120637113247

260226230827

224673217695

3170432791Misc

FOs

Retail

Direct

Agri

Diversified Exposure across Sectors

18

10

21

18

10

19

Rs. In CroresShare %

23

(% YOY growth)

(-3)

(3)

(13)

(7)

239618 199658

220683221393

167942168112

Dec 14 Dec 13

AgriSME

MCG

CAG19

17

13

17

19

14

1265483Total 1183723

14

(-0.1)

(-0.3)

(20)

YOY Gr 6.91%

58.8 58.5

11.8 12.05.9 6.4

23.6 23.1Other Per.

Education

Auto

Home

Retail Advances

74 77

26 23Above Rs.30 lacs

Upto Rs.30 lacs

Rs. In crores

Distribution of Retail Loans(%) Distribution of Home Loans(%)

Dec 14 Dec 13

Level Home Auto Edu Other Per. Total

Dec 13 135129 27698 14838 53162 230827

Mar 14 140738 27925 14740 54264 237667

Dec 14 152905 30701 15295 61325 260226

YOY Growth Abs. 17776 3003 457 8163 29399

YOY Growth % 13.15 10.84 3.08 15.35 12.74

5 year CAGR(%) 15.76 21.66 8.93 7.06 13.52

Dec 14 Dec 13152905 135129TotalTotal

15

TotalTotal 230827260226

4776

1555

4646

12809

5724

1940

5352

15087

5000

10000

15000

20000

Dec 14 Dec 13

Agri Advances

Rs. In crores

96661

86816

60000

70000

80000

90000

100000

Farm Mech Irrig. & Land Devp. SHGs Other Term Loan

0

16

LevelCrop /

Production

Investment/

Allied Credit

Out of which: collateralized by Gold

Agri Priority

Amt. Share % Direct Indirect Total

Dec 13 86816 28103 36743 31.97 113247 10200 123447

Mar 14 88723 27358 37751 32.52 120253 34462* 154715

Dec 14 96661 23786 42101 34.95 120637 38900* 159537

YOY Abs. 9845 -4317 5358 7390 28700* 36090

YOY % 11.34 -15.36 14.58 6.53

* Includes RIDF deposits

50000

Crop/Prod.

78.577.8

76.6

79.2

82.4

78.8

80.5

78.7

80.7

77.9

75.6 75.7

78.1

76.4 75.8

77.6 78.076.4

78.376.7

77.877.0

75.876.1

Mar 12 Jun 12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14

SBI

ASCB

CD RATIO

CD Ratio & Market Share ( in % )

Market Share

16.29

16.46

16.6416.57

16.73

Mar 12 Mar 13 Dec 13 Mar 14 Dec 14

16.09

16.6616.57

16.65

16.14

Mar 12 Mar 13 Dec 13 Mar 14 Dec 14

DEPOSITS ADVANCES

17

Market Share

Capital Adequacy

3.19%2.91%

2.72% 2.70% 2.71% 2.65%2.65%

Tier II

12.66%12.51% 11.59%

Basel III

CAR% 12.33%12.44% 12.03%

With retained

profit

12.33%

Rs. In crores

18

9.32% 8.68%9.72% 9.63% 9.62% 9.38% 10.01%

Mar 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Dec 14

Tier I

RWA 10703991005640 1153231

$ CET 1 = 9.29%

1128605

$

1126863 1126967

#

# CET1 = 9.92%

1153231

Asset Quality

51189 60891 6420667799 61605

60434 60712 61991

Mar 13 Jun 13 Sep 13 Dec 13 Mar 14 Jun 14 Sep 14 Dec 14

Gross NPAs

(4.75%) (5.56%) (5.64%) (5.73%) (4.90%)(4.95%)

YOY, Gross and Net NPAs are down by 83

and 44 bps respectively

(4.89%) (4.90%)

Rs. In crores

19


* PCR % 66.58 60.60

21956 2999032151 37167 31096 31884 32997 34469


Net NPAs

(2.10%) (2.83%) (2.91%) (2.66%)

58.32 62.86

(3.24%)

* Provision Coverage Ratio

(2.57%)

62.68

(2.73%)

63.1860.16 63.56

(2.80%)

Gross NPAs by Sector

Rs. In Crores

Break-up of Gross NPAs

Sector

Dec 14 Mar 14 Dec 13

NPARatio

%NPA

Ratio

%NPA

Ratio

%

Large

Corporate1074 0.49 2402 0.99 3658 1.83

Mid

Sector-wise Gross NPAs to Total

Gross NPAs %

19.5 17.318.5

5.04.9 6.1

4.66.1 5.7

1.7 4.0 5.4

Intl.

Agri.

Retail

Large Corp

20

Mid

Corporate26430 11.85 26257 11.05 26191 11.39

SME 16427 8.05 15465 7.85 17382 9.09

Agri 12100 10.04 10660 9.20 12570 10.95

Retail 3082 1.19 3034 1.28 4103 1.78

International 2878 1.28 3787 1.77 3895 1.79

Total 61991 4.90 61605 4.95 67799 5.73

42.7 42.6 38.6

26.5 25.125.6

Dec 14 Mar 14 Dec 13

SME

Mid-Corp

Movement of NPAsRs. In Crores

Q3FY15 Q2FY15 Q1FY15 Q4FY14 Q3FY14 Q2FY14

Opening Level of

Gross NPAs60712 60434 61605 67799 64206 60891

Recovery +Up

gradation 667 2635 4547 8443 2768 3797

Write off 5096 4787 6556 5698 5077 1253

21

5096 4787 6556 5698 5077 1253

Fresh Slippages 7043 7700 9932 7947 11438 8365

Net Increase 1280 278 -1171 -6194 3593 3315

Closing Level of

Gross NPAs61991 60712 60434 61605 67799 64206

Recovery in W/o

Accounts602 466 421 642 326 273

Details of Restructured Assets

Rs. In Crores

Particulars9MFY15

Std NPA Total

1 Restructured Accounts as on 01.04.2014 43050 15888 58938

2 Fresh Restructuring 9568 1904 11472

3 Increase in Outstanding 3084 298 3382

22

4 Up gradation to restructured standard category 698 -698 0

5Restructured Standard Advances upgraded to full

standard advances-2472 0 -2472

6 Down gradations of restructured accounts -4396 4396 0

7 Write-offs + Closures + Decrease in Outstanding -2990 -1626 -4616

8Total Restructured Accounts as on December

31, 2014 46542 20162 66704

Movement of Impaired Assets

Rs. In Crores

Dec 14 Sep 14 June14 Mar 14 Dec 13 Mar 13

1. Gross Advances 1265483 1242638 1232288 1245122 1183723 1078557

2. Gross NPAs 61991 60712 60434 61605 67799 51189

3. Net NPAs 34469 32997 31884 31096 37167 21956

4. Restructured Standard

23

4. Restructured Standard

(as per Revised RBI norms)46542 43962 42236 43051 39404 32228

5. Total Gross NPAs plus

Restructured Std. ( 2+4 )108533 104674 102670 104656 107203 83417

6. Total Net NPAs plus

Restructured Std. ( 3+4 )81011 76959 74120 74147 76571 54184

7. Gross NPA + Restructured

Standard to Gross Adv. %

( 5 ÷ 1 )

8.58 8.42 8.33 8.41 9.06 7.73

8. Net NPA + Restructured

Standard to Gross Adv. %

( 6 ÷ 1 )

6.40 6.19 6.01 5.95 6.47 5.02

Head Count

Staff Strength as on Dec 14 Mar 14 Dec 13

Officers 78691 79755 79780

Assistants 95780 101648 103883

Sub-staff (Others ) 23300 24799 25098

Watch & ward 17230 15831 14575

Total 215001 222033 223336

24

Branch Expansion

Dec 14 Mar 14 Dec 13 Mar 13

Branches

opened during

9MFY15

Metro 2562 2524 2448 2341 38

(15.8) (15.9) (16.0) (15.8) (11.3)

Urban 2981 2890 2782 2624 91

(18.4) (18.2) (18.2) (17.7) (27.0)

Semi-Urban 4477 4399 4270 4165 78

(27.6) (27.7) (27.9) (28.1) (23.1)

Rural 6186 6056 5797 5686 130

(38.2) (38.2) (37.9) (38.4) (38.6)

Total 16206 15869 15297 14816 337

(100.0) (100.0) (100) (100.0) (100.0)

Figures in brackets indicate percentage share in total branches

25

1377214388

15297

16206

Dec 11 Dec 12 Dec 13 Dec 14

Branches

2681430156

43588

54479


Group ATMs6%

27%

Expanding Footprint & Multiple Delivery Channels CAGR : Dec 11-14

No of

Branches

added

during

last one

year :909

28

55

86

125


83

114

165

209


36%

26

65%

Mobile Banking Users*Internet Banking Users *

* In lacs

Expanding Footprint

664533759

113999

181310


Total no. of POS Terminals

1%4%

11%

15%*

1181430

5365

10469


Amt of POS txns during the 9 Months(Rs. in Cr)

553

192

Market

Share

411No. of txnsduring 9 months

(in lacs)

* As on 31.10.2014

Market Share for FY 2014 -15(upto Oct 14)

Debit Card Spends : Point of sale & e-Commerce

Rs. In Crores

8018

10898

16495

23057


27Source: RBI Website

Market leader in Debit Card spends over Point of Sale & e-Commerce

YOY

Growth %

36%

51%

40%SBI 22%

SBI ABs 3%

A 17%

B 9%C15%

D 5%

Others 29%

Market Share for FY 2014 -15(upto Oct 14)

42%

Rs. In Crores

5236

5519

5797

6186


Rural Branches

12329 16329

37382

80514


Unbanked Villages Covered

3550

9230

15662

27109


6%87%

97%

BC Channel transactions #

RSETIs – No. of Candidates

Financial Inclusion

FLCs- No. of outdoor No. of A/c’s through BC

CAGR :

Dec 11-14

7471977

7208

25776


28

80

138

280

535


96361

143190

196467

239116


88%35%

RSETIs – No. of Candidates

Trained

* In lacs

FLCs- No. of outdoor

activities undertaken

# Amount in crores (during the year)

No. of A/c’s through BC

Channel*

226%

Rs. In crores /%

SBI Solo Financials SBI Solo Financials ––9MFY15 9MFY15

Solo

Dec 14 Dec 13 YOY % / bps

ROA (%) 0.68 0.63 + 5 bps

29

ROE (%) 11.12 10.97 +15 bps

Earning Per Share (Rs.) 16.72 15.30 9.28%

Other Income to Operating

Income (%)25.86 24.75 +111 bps

Expenses Ratio (%) 51.25 55.57 - 432 bps

Performance Highlights of Associate Banks

Name

9MFY15 9MFY14

PAT ROE % PAT ROE %

SBBJ 497 11.31 494 12.85

SBH 872 13.89 573 9.36

Rs. In crores

SBM 273 8.54 167 5.57

SBP 236 5.03 206 4.95

SBT 144 4.04 256 8.82

Total ABs 2020 1696

30

SBI 9360 11.12 7850 10.97

Performance Highlights of Non-Banking Subsidiaries

Name9MFY15 9MFY14

PAT ROE % PAT ROE %

SBI Life Insurance

Company P Ltd615 20.60 541 22.37

Rs. In crores

SBI Capital Markets Ltd 212 23.70 153 19.46

SBI Funds Management P

Ltd116 31.58 122 35.14

SBI Cards & Payment

Services P Ltd252 33.65 232 45.12

31

SBI Group 12300 11.66 10210 11.25

SBI Cards & Payments Services Pvt Ltd: Performance highlights

for 9M FY 15

Robust business performance

� New accounts acquisition now on

fast track . . . opened 70K accounts

in Dec’14 (highest in 8 years).

� Net Revenue growth in line with

receivables growth @28%.

SBI cards ranked No.3 in terms of

Performance

9%

232252

PAT YoY %

Rs. In Crs.

SBI cards ranked No.3 in terms of

Cards In Force (CIF) with Market

Share of 15%

Technology & Investments

� Online reward redemptions live in

Oct’14

� Mobile servicing app launched for

Android

FY 13-14

Apr-Dec

FY 14-15

Apr-Dec

YoY

Growth %

New Accounts (‘000) 404 475 18%

AIF (‘000)2,259 2,493 10%

Total Spends 13,042 17,006 30%

Receivables 4,319 5,526 28%

Net Revenue 848 1,084 28%

13-14 14-15

32

SBI General Insurance Co Ltd : Performance highlights for 9M FY 15

� Leading General Insurance Company

� 2nd position in Fire among Private Insurers

� 2nd position in Personal Accident in the

Industry

� 12th rank among private players (out of 24

players)

� Market share moved upwards to 1.67%

(industry) and 4% (private) respectively

� New Initiatives :

� Motor manufacturer tie ups*25% YOY growth against Industry growth of 9.32%

� Motor manufacturer tie ups

� Tie ups with RRBs and NBFCs

� New Health products launched through

Bancassurance channel

� Accolades :

� Data Quality Asia Pacific Award 2014

� iCMG (inter Company Marketing Group)

Excellence Award for Enterprise

Architecture in 2014

GWP: Gross Written Premium

*25% YOY growth against Industry growth of 9.32%

*Company is expected to break even in FY 15-16

33

� 11% growth in New

Business Premium

(NBP)

� Ranked 3rd in NBP

among Pvt players

� 33% growth in

Renewal Premium

SBI Life Insurance Co Ltd : Performance highlights for 9M FY15

� Net profit grew by

14% to

Rs. 615 crs

� 14% decrease in

Opex to GWP

ratio

� Assets Under

Management up

by 22% at

Rs. 67,323 crs

� Solvency ratio of

2.27 as mandate

of 1.5

Top line growth

Financial highlights

Strong balance sheet

� 22% growth in

Gross Written

Premium (GWP)

� Total market share

increased from

3.6% to 4.6% &

15.20% among Pvt

players.

34

� Persistency ratio

of 71.6%

� Accumulated

profits of

RsRsRsRs.... 2,921 crs

Top line growth

Financial highlights

Strong balance sheet

• Performance: 62% of AUM in Equity Funds and 92% of the AUM in Fixed Income Funds are in top two

SBI Funds Management Pvt Ltd : Performance highlights

488

316

116

464

304

122

0

100

200

300

400

500

600

Networth Revenue PAT

In I

NR

Crs

Financials

April to Dec 2014 April to Dec 2013

Rs in Crores

• Performance: 62% of AUM in Equity Funds and 92% of the AUM in Fixed Income Funds are in top two

quartiles

• Awards : Voted as Most Trusted Brand 2014 – Gold in the category of Investment Banking & Mutual

Funds by Readers Digest.

• Products : PAN INDIA 42 New Funds launched - 1 open ended , 9 close ended funds & 32 Fixed

Maturity Plans (FMP) till Dec 2014. Received SEBI approvals for 17 new Equity/Hybrid funds and 15

FMP’s

• New Branches: Opened 52 branches since December 2013 taking the total number of branches to 161

• Online Investing & Investor Education: To strengthen online digital strategy, launched a dedicated

Online Investment Platform for Institutional Investors in addition to existing online platform for retail

investors. Currently have 210,000 investors who have invested through this platform. Conducted 655

Investor Education meets till December 2014.

35

SBI Capital Markets Limited : Performance highlights for 9M FY 15

Awards & Rankings

∗ Maintained leadership position in theProject Finance space globally.

∗ Ranked as No. 1 Global Mandated LeadArrangers & Financial Advisor for ProjectFinance Loans by Dealogic for the fifth

521

313

439

300

375

450

Rs in Crores

Finance Loans by Dealogic for the fifthconsecutive year.

∗ No.1 Asia ex Japan Mandated LeadArrangers by Bloomberg for the sixth yearrunning.

∗ "Deal of the Year" Award for 2014 fromM&A International

∗ Business World-Grant Thornton's 'Top INRBonds & Loan deal-maker of the year'award.

∗ Tata Steel listed in the top Asia SyndicatedLoans deals (ex Japan, ex Australia).

212225

153

0

75

150

225

Gross Income PBT PAT

Dec 14 Dec 13

36

LIABILITIES Dec 14 Mar 14 Dec 13YOY Growth

(%)

Capital 747 747 684 9.14

Reserves and Surpluses 127805 117536 108232 18.08

Deposits 1510077 1394409 1349940 11.86

Borrowings 181675 183131 189969 -4.37

Other Liabilities & Provisions 83290 96413 88886 -6.30

Total Liabilities 1903593 1792235 1737711 9.55

Rs. In crores

Balance Sheet (Solo)Balance Sheet (Solo)


ASSETS Dec 14 Mar 14 Dec 13YOY Growth

(%)

Cash & balances with RBI 69825 84956 64387 8.45

Balance with banks & money at call

and short notice56398 47594 40265 40.06

Investments 489735 398800 427492 14.56

Net Advances 1232545 1209829 1148901 7.28

Fixed Assets 8757 8002 7799 12.28

Other Assets 46334 43055 48868 -5.18

Total Assets 1903593 1792235 1737711 9.5537

LIABILITIES Dec 14 Mar 14 Dec 13YOY Growth

(%)

Capital 747 747 684 9.14

Reserves and Surpluses 159976 146624 136570 17.14

Minority Interest 5363 4909 4876 9.98

Deposits 1969678 1838852 1793136 9.85

Borrowings 220062 223760 231412 -4.90

Other Liabilities & Provisions 173101 181090 164159 5.45


Rs. In crores

Balance Sheet (Consolidated)Balance Sheet (Consolidated)


ASSETS Dec 14 Mar 14 Dec 13YOY Growth

(%)

Cash & balances with RBI 92057 114096 86387 6.56

Balance with banks & money at

call and short notice64182 53066 49901 28.62

Investments 688810 579398 612195 12.51

Net Advances 1607986 1578277 1506210 6.76

Fixed Assets 11628 10560 10430 11.48

Other Assets 64262 60585 65716 -2.21

Total Assets 2528926 2395982 2330838 8.50

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Some Recent Awards….. (1/2)Recent Recognition & AwardsRecent Recognition & Awards

Golden Peacock Award for CSR by Institute of Directors, New Delhi

Most Valuable Indian Brands 2014 by Brandz Top 50

Environmental Sustainability Award 2014 by BFSI Magazine

Asia Sustainability Excellence Award 2014 by World CSR Congress

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Best in class Corporate Social Responsibility Practices Awards 2014 by CMO Asia

Best Bank-Public Sector by BFSI

Asia Sustainability Excellence Award 2014 by World CSR Congress

Best Trade Finance Provider-India 2015 by Global Finance Magazine

Best Trade Finance Bank in India by the Asian Banker Magazine

402/13/2015 3:37 PM

Final Analyst Q3FY15 PDF ANALYST PPT Q3FY15ANALYST+PPT+Q3FY15.pdf · 2019. 5. 30. · 9.50 10.50...

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Transcript of Final Analyst Q3FY15 PDF ANALYST PPT Q3FY15ANALYST+PPT+Q3FY15.pdf · 2019. 5. 30. · 9.50 10.50...