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
2
Performance Highlights FY16 over FY15
YoY Growth
Capital Adequacy Ratio (Basel III)
CRAR
101 bps
Fee Income
23.4%
CASA
90 bps
Impaired Assets
105 bps
CET I 9.01%
3
Overall 12.43%
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
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
Of which Fee Income (Commn / Exch)
4
Net Profit - a Snapshot ` in crs
Q4 FY16
Q4 FY15
YOY%
FY 16
FY 15
YOY%
Operating Profit
410
402
2
1,252
1,331
-6
Total Provisions
306
266
15
894
922
-3
Income Tax
42
82
-49
128
187
-32
105
136
-23
358
409
-12
Net Profit
5
Quarterly Movement in Income Parameters ` in crs Net Intt Income
Op Profit
Net Profit
6
Key Performance Indicators: Performance Ratios
7
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
8
Interest Spread in %
Cost of Deposits
Yield on Advances
Cost of Funds - Aggregate
Interest Spread
9
Retail Deposits ` in Crs
Agg Dep
70,224
(8%)
65,058
Tot Dep
70,569
(7%)
66,064
Retail Dep
61,481
(15%)
53,431
Particulars Market Share % Bulk Dep
(YoY %) (-31%)
(7%) (11%)
0.76
8,077 11,627 (11.4)
(17.6)
of wch: abv Card Rate
836 (CD)
4,114
(1.2)
(6.2)
Below & at Card Rate 7,241
7,513
(% to Tot Dep) (10.3)
(11.4)
CASA (% to Agg Dep)
10
0.73
(% to Tot Dep)
(% to Tot Dep)
(20%)
Mar 16 Mar 15
24,307 21,945 (34.6)
(33.7)
Sectoral Distribution of Advances ` in Crs
Share %
0.74%
Market Share
0.78%
55,418
4 % YoY Gr
53,296
Mar 16 Mar 15 Per
22
20
Agri
17
17
ME
2
1
MSE
9
8
C&I Total
50
54
100
100
(YoY%) (16%) (4%) (81%) (10%)
(-3%)
# Priority Sector figures have been re-grouped as per new revised RBI guidelines 11
Retail Advances ` in crs Distribution of Retail Loans(%)
Total
12,175
Distribution of Home Loans(%)
10,500
Total
6,450
5,372
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
12
CD Ratio & Market Share CD RATIO
in %
MARKET SHARE
DEPOSITS
ADVANCES
* As on 18.03.2016 13
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 RWA 44,073 (` in crs)
46,251
Jun 14
Sep 14 Dec 14 Mar 15 Jun 15
Sep 15
Dec 15 Mar 16
45,853
47,737 47,768 51,140
52,484
51,830
14
52,312
54,091
Asset Quality ` in crs (%)
PCR %
Mar 14
Mar 15
Jun 15
Sep 15
Dec 15
Mar 16
60
69
72
72
66
59
15
Gross NPAs by Sector ` in crs Segment-wise Gross NPAs to Total Gross NPAs (%)
Break-up of Gross NPAs
Mar 16 Sector NPA
Mar 15
Mar 14
Ratio Ratio Ratio NPA NPA % % %
C&I
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
16
NPA Position - Industry wise ` in crs I n d u st r y
N P A s a s on
F r e sh S l i p a g e s d u r i n g
3 1. 0 3 . 2 0 16
Q4 F Y16
Q3 F Y16
Iron & Steel
1,004
1,103(444)*
436 (436)
Engineering Trading & Services Power Pharmaceuticals Textiles & Readymades
394 154 320 47 107
72 78 128(106) 1 1
Roads & Ports Gems & Jewellery M etals & M ines Paper Industries Hotels
126 138 90 55 11
Petroleum & Veg Oils cement Electricals Information Tech. Chemicals Food Processing CRE/Real Estate Educational Institutions PER AGRI M iscellaneous
G ra nd T o t a l
N P A s a s on Q1 F Y16
3 1. 0 3 . 2 0 15
41
0
141
1 69 35 0 8 0
65 22 15 121 2
1 21 20 0 0 6
54 166 290 73 186
33(33) 0 0 0 0
8 0 72 (68) 0 15 (15)
0 0 0 0 0
0 0 0 0 28
85 140 15 53 11
127 48 69 36 27
100(18) 6 21 0 0
0 0 46 (46) 0 0
0 17 0 0 23
0 0 0 0 0
173 30 1 43 10
272 10 4 177 377
253 0 4 56 63
0 3 0 74 34 (6)
2 9 18 30 20
30 0 0 35 22
24 1 1 147 397
43 3 ,6 3 6
70 1,9 56 ( 6 0 1)
31 9 3 1 ( 571)
16 401
24 286
95 2 ,13 6
Figures in Brackets indicates AQR related a/cs
17
Q2 F Y16
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
1,956
931 401
286
246
Fresh Slippages Net Increase Closing Level - GNPAs
(601)*
(571)*
721
739
-38
78
-448
3,636
2,915
2,176
2,214
2,136
23
13
11
12
23
Recovery in W/o Accounts * (In respect of AQR related accounts)
18
Movement of Impaired Assets ` in crs 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
2 Gross NPAs
3,636
2,915
(601)*
(571)*
50,862
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. ( 2+4 )
5,366
4,955
5,082
5,572
5,717
6,166
6 Total Net NPAs +Rest Std.
3,987
3,657
4,034
4,435
4,702
4,977
9.68
9.32
9.79
10.59
10.73
12.12
7.19
6.88
7.77
8.43
8.82
9.79
( 3+4 )
Gross NPA + Restructured Standard to Gross Adv. % ( 5 รท 1 ) Net NPA + Restructured Standard to 8 Gross Adv. % ( 6 รท 1 )
7
*(AQR related accounts) 19