j inancia{ - PowerPoint PPT Presentation

Title: j inancia{


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j inancia
suts
March 2016
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STATE BANK OF MYSORE
Highlights of Performance for FY16
Bank rated 1 in Credit Quality for FY15 FE
survey Mar 16 24 increase in Fee based Income
CASA at 34.6 up by 90 bps
Retail Advances share upped to 50 of Loan Book
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Performance Highlights
YoY Growth
FY16 over FY15
CRAR 101 bps
Fee Income
23.4
CASA
90 bps
Impaired Assets
105 bps
CET I
9.01
Overall 12.43
Capital Adequacy Ratio (Basel III)
4
NII and Operating Profit
in crs
Q4 FY16 Q4 FY15 YOY FY 16 FY 15 YOY
Interest Income 1,776 1,792 -1 7,128 6,940 3
Other Income 300 260 15 810 768 5
Of which Fee Income (Commn / Exch) 232 161 44 560 454 23
Total Income 2,076 2,052 1 7,938 7,708 3
Interest Expenses 1,229 1,239 -1 5,012 4,853 3
Net Interest Income 547 553 -1 2,115 2,087 1
Operating Expenses 437 410 7 1,674 1,524 10
Operating Profit 410 402 2 1,251 1,331 -6
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Net Profit - a Snapshot
in crs
Q4 FY16 Q4 FY15 YOY
Operating Profit 410 402 2
Total Provisions 306 266 15
Income Tax 42 82 -49
Net Profit 105 136 -23
FY16 FY15 YOY
1,252 1,331 -6
894 922 -3
128 187 -32
358 409 -12
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Quarterly Movement in Income Parameters
in crs
Net Intt Income
Op Profit
Net Profit
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Key Performance Indicators Performance Ratios
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Movement in Net Interest Margin
( in )
NIM cumulative Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 Dec 15 Mar 16
3.02 3.08 3.02 2.95 2.98 2.89 2.84 2.80 2.84
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Interest Spread
in Yield on Advances
Cost of Deposits
Cost of Funds - Aggregate
Interest Spread
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Retail Deposits
in Crs
Particulars Mar 16 Mar 15
Market Share 0.73 0.76

Bulk Dep 8,077 11,627
( to Tot Dep) (11.4) (17.6)
of wch abv Card Rate 836 (CD) 4,114
( to Tot Dep) (1.2) (6.2)
Below at Card Rate 7,241 7,513
( to Tot Dep) (10.3) (11.4)

CASA 24,307 21,945
( to Agg Dep) (34.6) (33.7)
Agg Dep
70,224
(8)
65,058
Tot Dep
70,569
(7)
66,064
Retail Dep
61,481
(15)
53,431
(YoY )
(-31)
(20)
(7)
(11)
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Sectoral Distribution of Advances
in Crs

0.74 Market Share 0.78
55,418 4 YoY Gr 53,296
Share Share
Mar 16 Mar 15
Per 22 20
Agri 17 17
ME 2 1
MSE 9 8
CI 50 54
Total 100 100
(YoY) (16) (4) (81) (10)
(-3)
Priority Sector figures have been re-grouped
as per new revised RBI guidelines
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Retail Advances
in crs
Distribution of Retail Loans()
Distribution of Home Loans()
5,372
Total 6,450
10,500
12,175
Total
Avg tkt size 13.51
11.86 lacs
Level Home Auto Edu Other Per. Total
Mar 15 5,372 826 657 3,645 10,500
Mar 16 6,450 969 699 4,057 12,175
YOY Growth 1,078 143 42 412 1,675
YOY Growth 20 17 6 11 16
5 year CAGR() 21 21 6 31 23
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CD Ratio Market Share
in
CD RATIO
MARKET SHARE
DEPOSITS
ADVANCES
As on 18.03.2016
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Capital Adequacy
In
CAR
11.28
11.08
11.16
10.73
11.65
11.42
11.22
11.29
11.92 12.43
Basel III
Mar 13 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 Dec 15 Mar 16
RWA ( in crs) 44,073 46,251 45,853 47,737 47,768 51,140 52,312 52,484 51,830 54,091

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Asset Quality
in crs ()
Mar 14 Mar 15 Jun 15 Sep 15 Dec 15 Mar 16
PCR 60 69 72 72 66 59
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Gross NPAs by Sector
in crs
Segment-wise Gross NPAs to Total Gross NPAs ()
Break-up of Gross NPAs
Sector Mar 16 Mar 16 Mar 15 Mar 15 Mar 14 Mar 14
Sector NPA Ratio NPA Ratio NPA Ratio
CI 2,824 9.6 1,369 4.6 1,848 6.1
Agri 382 4.7 397 5.0 531 7.5
MSE 253 4.6 224 4.3 280 6.2
Per 177 1.5 146 1.4 160 1.8
Total 3,636 6.6 2,136 4.0 2,819 5.5
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NPA Position - Industry wise
in crs
I ndust r y N P A s a s on 3 1. 0 3 . 2 0 16 Fr e sh S l i pa ge s dur i ng Fr e sh S l i pa ge s dur i ng Fr e sh S l i pa ge s dur i ng Fr e sh S l i pa ge s dur i ng N P A s a s on 3 1. 0 3 . 2 0 15
I ndust r y N P A s a s on 3 1. 0 3 . 2 0 16 Q4 FY16 Q3 FY16 Q2 FY16 Q1 FY16 N P A s a s on 3 1. 0 3 . 2 0 15
Iron Steel 1,004 1,103(444) 436 (436) 41 0 141
Engineering 394 72 169 65 121 54
Trading Services 154 78 35 22 20 166
Power 320 128(106) 0 15 0 290
Pharmaceut icals 47 1 8 121 0 73
Text iles Readymades 107 1 0 2 6 186
Roads Ports 126 33(33) 8 0 0 85
Gems Jewellery 138 0 0 0 0 140
M etals M ines 90 0 72 (68) 0 0 15
Paper Indust ries 55 0 0 0 0 53
Hot els 11 0 15 (15) 0 28 11
Petroleum Veg Oils 127 100(18) 0 0 0 173
cement 48 6 0 17 0 30
Elect ricals 69 21 46 (46) 0 0 1
Information Tech. 36 0 0 0 0 43
Chemicals 27 0 0 23 0 10
Food Processing 272 253 0 2 30 24
CRE/ Real Est ate 10 0 3 9 0 1
Educat ional Inst itutions 4 4 0 18 0 1
PER 177 56 74 30 35 147
AGRI 377 63 34 (6) 20 22 397
M iscellaneous 43 70 31 16 24 95
Grand T o tal 3 , 6 3 6 1, 9 56 ( 6 0 1) 9 3 1 ( 571) 401 286 2 , 13 6
Figures in Brackets indicates AQR related a/cs
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Movement of NPAs
in crs
PARTICULARS Q4 FY16 Q3 FY16 Q2 FY16 Q1 FY16 Q4 FY15
Opening Level - GNPAs 2,915 2,176 2,214 2,136 2,584
Recovery 169 51 124 34 287
Up gradation 723 129 26 118 258
Write off 162 2 260 56 80
Sale to ARCs 181 10 29 0 69
Fresh Slippages 1,956 (601) 931 (571) 401 286 246
Net Increase 721 739 -38 78 -448
Closing Level - GNPAs 3,636 2,915 2,176 2,214 2,136
Recovery in W/o Accounts 23 13 11 12 23
(In respect of AQR related accounts)
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Movement of Impaired Assets
in crs
Particulars Particulars Mar 16 Dec 15 Sep 15 Jun 15 Mar 15 Mar 14
1 Gross Advances 55,418 53,191 51,926 52,612 53,296 50,862
2 Gross NPAs 3,636 (601) 2,915 (571) 2,176 2,214 2,136 2,819
3 Net NPAs 2,257 1,617 1,128 1,077 1,121 1,630
4 Restructured Standard (as per revised RBI norms) 1,730 2,040 2,906 3,358 3,581 3,347
5 Total Gross NPAs Rest Std. ( 24 ) 5,366 4,955 5,082 5,572 5,717 6,166
6 Total Net NPAs Rest Std. ( 34 ) 3,987 3,657 4,034 4,435 4,702 4,977
7 Gross NPA Restructured Standard to Gross Adv. ( 5 1 ) 9.68 9.32 9.79 10.59 10.73 12.12
8 Net NPA Restructured Standard to Gross Adv. ( 6 1 ) 7.19 6.88 7.77 8.43 8.82 9.79
(AQR related accounts)
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