State Bank Of India · NSE:SBIN
State Bank Of India — Investor Day (March 2018)
95 slides from State Bank Of India's investor day presentation, Mar 19, 2018
Slide 1: SBI Subsidiaries Day
SBI SUBSIDIARIES DAY 19.03.2018
Slide 2: Program for the day
SBI SUBSIDIARIES DAY 19.03.2018 Sl. No. Program for the day Schedule 1 Opening Remarks by Chairman 10:45 am 2 Remarks on Valuation of Subsidiaries by DMD & CFO 11:00 am 3 SBI Life Insurance - Presentation by MD & CEO 11:15 am 4 SBI Card - Presentation by MD & CEO 11:40 am Break for Tea and Snacks 12
Slide 3: SBI Life – Growing from Strength to Strength
SBI Life – Growing from Strength to Strength Business Presentation | March 2018
Slide 4: SBI Life Share Holding Pattern
SBI Life Share Holding Pattern Significant brand equity with a share capital of INR 1,000 Crores. Listed on NSE & BSE in October 2017 Promoters India's Largest bank Over 22,000 branches 62.1% Over 420 million customers Part of BNP Paribas group 22.0% Leading Credit Life Insurer Present in over 36 ju
Slide 5: Life Insurance in India: Under Penetrated
Life Insurance in India : Under Penetrated But Insurance is significant part of financial savings Life Insurance penetration and density in major Asian countries - 2016 Density ( premium in USD per capita) Size of India’s Life Insurance 16.2% 16.7% 8,000 16.8% Penetration (%) industry :Rs. 4.2 tri
Slide 6: Life Insurance Industry
Life Insurance Industry On a Growth Trajectory… Total New Business Premium(Rs Billions) Individual Rated Premium(Rs Billions) +26% +23% 1,750 +19% -5% 1,387 1,383 1,131 +21% -10% +8% 532 +25% 408 441 412 FY 15 FY 16 FY 17 9M FY 18 FY 15 FY 16 FY 17 9M FY 18 SBI Life -Total New Business Premium-Total
Slide 7: One of the Largest Private player by Premium, NOP and AUM
One of the Largest Private player by Premium ,NOP and AUM Dominant market position…..Consistently! Total New Business Premium (Rs Crores) Individual Rated Premium (Rs Crores) +43% 10,144 +4% +29% 7,107 7,200 +9% +39% +44% 5,529 +37% 5,938 5,349 +11% 4,276 3,120 FY 15 FY 16 FY 17 9M FY 18 FY 15 FY 16
Slide 8: Robust All round Operational Performance
Robust All round Operational Performance Track record of Stable Profitability creating Value Profit after Tax (Rs Billion) Operating Expenses Ratio +11% 10.0 9.5 40.0% 9.5 +5% 35.0% 1200 +11% 9.0 8.6 +24% 30.0% 8.5 8.2 1000 7.7 25.0% -112 bps +6 bps 8.0 800 7.5 20.0% 7.0 22.2% 600 9.2% 9.2% 19.6% 18
Slide 9: Focus areas
Focus areas 1 • Number of lives covered ~ 23 millions Capitalize on Capitalize • Protection share increased by 18% insurance on insurance • Sampoorn Cancer Suraksha launched to cater underpenetrated health segment industry growth industry growth • Product innovation to cater protection requirement –
Slide 10: Thank You
Thank You 12 May, 2017 10
Slide 11: SBI Card
Subsidiaries Day SBI Card 19th March 2018
Slide 12: Contents
Contents Introduction Market Characteristics and Positioning Business Model and Key Products Conclusion 12
Slide 13: Introduction
Introduction 13
Slide 14: SBI Card JV Partners
SBI Card JV Partners Holding 74% Stake Holding 26% Stake India’s largest bank and a World’s largest and most fortune 500 company successful investment firm presence in 24 countries 23% market share $ 195B AUM through 317 24k branches, 300MM clients investment vehicles worldwide. 210k+ employees, $2.
Slide 15: Financial Profile
Financial Profile Consistently growing spends & Receivables Leading to consistent growth in Revenue Total Spends (Rs. Crs) Total Revenue (Rs. Crs) 5,724 7,396 10,276 14,001 3,363 3,639 59,939 1,905 2,492 46,007 23,361 30,905 FY 14-15 FY 15-16 FY 16-17 FY'17-18 FY 14-15 FY 15-16 FY 16-17 FY'17-18 NEA
Slide 16: Market Characteristics & Positioning
Market Characteristics & Positioning 16
Slide 17: Market Evolution
Market Evolution India Market Evolution Growth Drivers Opportunity Infrastructure # cards MM Cards spend $B • POS machines expected to grow POS Terminals 1022 60x @ 12% CAGR (MM) 3.0 1.1 30 96 149 $30 4x 10x • CIBIL (Bureau) trades rising from 150MM in ‘10 to 500MM in ‘17 2014 2018 India Korea Bra
Slide 18: SBI Card Market Share
SBI Card Market Share CARDS SPENDS Maintained 16% market share on Card base Maintained 17% market share on spends Mkt share (# of cards) Mkt share (Card Spends) 17% 15% 16% 12% Dec'16 Dec'17 YDT Dec'16 YDT Dec'17 # of SBI cards 4.2 5.8 SBI card spends 29,818 57,389 (Millions) (Rs Cr.) 2nd highest ca
Slide 19: Business Model & Key Products
Business Model & Key Products 19
Slide 20: Product across Segments
Product across Segments Segment Value for Product Life Style Travel Rewards Specs ( Income in INR ) Money 1.Best in class privileges Super Premium 2.Intuitive service HNI experience (25 Lac +) 3.Access to special Rs.5000+ events/memberships 1.Features and benefits to Elite Contactless AI Signature m
Slide 21: Diversified products & Revenue Streams
21 Diversified products & Revenue Streams Products Profile Revenue Split by Products Elite Prime Save Click Cobrand Gold Cobranded Cross-sell Core Cards Cards Products 5% Premium: Elite & Coalition: Tata Platinum Encash 24% Banking: BOM, Mass-affluent: OBC , Federal, LVB 36% Simply save & & KVB simp
Slide 22: Strong Tie-ups / Partnerships
Strong Tie-ups / Partnerships Key features Key features • Air-India . . . Leading player in Indian aviation market • Tactical: Continuous offers based on occasion, usage, with 14% market share partnerships/alliance • FBB style up card . . . Co-branded card with India’s • Segmented: Targeted offers b
Slide 23: Financials
Financials All figures in Rs. Cr P&L Balance FY FY FY YTD FY Sheet FY FY YTD 14-15 15-16 16-17 Dec’17 14-15 15-16 16-17 Dec’17 Interest Income Assets 1,082 1,380 1,768 1,849 Fees & other Advances 5,831 7,446 10,315 14,105 Income 734 1,007 1,464 1,790 Cash & Bank 291 274 283 292 Total Income Balance
Slide 24: Conclusion
Conclusion 23
Slide 25: Our Future Growth Play
Our Future Growth Play Growth strategy Growth initiatives a) Expand sourcing by Today Goal • Leveraging SBI for higher penetration, Key Metrics . . . integrate with SBI platforms • Cross sell opportunities with SBI subsidiaries • Broader distribution for Retail 16% Gain Cards Mkt share b) Products f
Slide 26: Thank You
<8 Crd@) um
Slide 27: SBI Funds Management Pvt. Limited
Subsidiaries Day SBI Funds Management Pvt. Limited 19.03.2018
Slide 28: Contents
Contents Introduction Market Characteristics and Positioning Business Model and Key Products Other Topics Conclusion 28
Slide 29: Introduction
Introduction 29
Slide 30: Introducing SBI Funds Management Pvt. Limited
Introducing SBI Funds Management Pvt. Limited Key Stakeholders Financials Overview Initiated with share capital of Rs 5 Cr in 1993 • Share capital increased to Rs 25 Cr 63% stake (1995) and finally to Rs 50 Cr (1997) Largest public sector bank with biggest reach Net worth is Rs 1004 Cr (Dec'17) (~24
Slide 31: Market Characteristics and Positioning
Market Characteristics and Positioning 31
Slide 32: Indian asset management industry poised to grow at a rapid pace
Indian asset management industry poised to grow at a rapid pace Indian asset management industry is in ..yet under-penetrated when compared a break-out growth phase.. to other countries Average AUM (Rs Lac Crores) % AUM/ GDP 2016 Breakout 114 97 25%+ 64 Slowdown 53 22 Formative 5% 47% 7 12 11 5 1 FY
Slide 33: Business Model and Key Products
Business Model and Key Products 33
Slide 34: We have built a strong asset management business
We have built a strong asset management business Key Business Metrics Average AUM Market Share Industry Position SIP per Month Rs. 2,05,273 cr 9.2% 5th Rs. 666 Crs 2,10,884 cr closing AUM +270 bps mkt share in 3yr Moved up by 1 rank in With ~27 L live SIPs1– among Entered 2 trillion club!! highest m
Slide 35: Our core capabilities – robust asset management & customer-centric products
Our core capabilities – robust asset management & customer-centric products Built state-of-the-art investment management capabilities over 30 years! One of the largest & Global standards of First asset proficient investment risk management and management company management teams compliance in India
Slide 36: Other Topics
Other Topics 36
Slide 37: Building a future-ready organization through key priorities
Building a future-ready organization through 5 key priorities Leadership in B-15 Markets B-15 markets growing at 44%, SBI MF is a leader with 14% market share – with companies owned & SBI networks across all Tier 2 & beyond cities Driving Digitization & Digital sales Industry digital transactions gr
Slide 38: Conclusion
Conclusion 38
Slide 39: Conclusion
Conclusion... The Indian asset management industry is in a break-out growth phase and still under penetrated – market will continue to grow rapidly! SBI Funds Management is among the fastest growing AMCs in India, outperforming the market growth in the last 3 years Building steady retail AUM growth
Slide 40: Thank You
Thank You
Slide 41: SBI General Insurance
SBI General Insurance Minimize Risk, Maximize Opportunities 41
Slide 42: About Us
About Us State Bank of India is country's largest retail banker and a premier financial services company. SBI General Insurance is a JV between the State SBI Group has the unrivalled strength of over Bank of India and Insurance Australia Group (IAG). SBI owns 24,000 branches across the country as 74
Slide 43: Indian General Insurance industry has observed robust growth
Indian General Insurance industry has observed robust growth; market still very underpenetrated – significant opportunity for further growth Industry GDPI and Growth (%) Premium / GDP Insurance Penetration 300 40 Growth 1.0% 250 GDPI (Rs '000 Cr) 0.8% 30 0.8% 0.7% 0.7% 0.7% 0.7% 200 23% 24% 0.7% 0.6
Slide 44: SBI General Insurance amongst the top private General Insurance companies
SBI General Insurance amongst the top 10 private General Insurance companies; only one from the post Tariff era in top 10 Wave 1 (pre 2007) Wave 2 (2007-10) Wave 3 (post 2010) Health Insurers 1. ICICI Lombard 9. SBI General 17. Liberty Videocon 8. Star Health (2006) 2. Bajaj Allianz 11. Shriram Gene
Slide 45: SBI General has outperformed growth over industry and has improved profitability
SBI General has outperformed growth over industry and has improved profitability as well Growing faster than industry by 22% Break Even in FY17 3,000 41% 50% 2,607 2,520 28% 41% % Growth 29% 2,041 40% 2,000 % Growth 33% 32% 33% 1,579 29% 28% (YTD Dec’17) 30% 54% 1,192 19% 1,000 773 20% 80% GWP 14% 3
Slide 46: Focus on Profitable Segments & Channels
Focus on Profitable Segments & Channels Segment Wise Mix LoB Industry Rank 100% Motor 12 80% Health 11 60% 40% Fire 3 20% PA 3 0% Crop 4 Channel Wise Mix 221 , 615 , 9% Motor Fire Personal Accident Health Others 24% 602 , • Balanced distribution across all lines of business as compared to Industry a
Slide 47: Consistent improvement observed across key profitability metrics
Consistent improvement observed across key profitability metrics Incurred Claims Ratio (%) Reduction in Combined Operating Ratio (%) ICR by 500 basis 100 points 100 FY 17 150 150 FY 17 84.8 85.8 83.0 79.0 118.4 120.9 119.8 75.0 70.4 70.0 Continuing 106.9 109.0 95.0* 99.0 improvement in 100 100 50 50
Slide 48: Multiple levers to achieve company ambition
Multiple levers to achieve company ambition Key priorities Distribution excellence • Invest in multi channel distribution network with Focus on tier 2 and tier 3 markets Ambitions for 2020 • Leverage strong brand value and access to India’s largest distribution network • Improved sales rhythm and di
Slide 49: Excellent performance acknowledged at multiple prestigious forums
Excellent performance acknowledged at multiple prestigious forums SBI General Insurance was awarded the Rising Star Insurer at the 2012 India Insurance Awards organized by Fintelekt In 2014 SBI General was awarded the Runner-up for data quality Asia Pacific Award for our comprehensive Enterprise Dat
Slide 50: What sets us apart
What sets us apart 1 Better growth rate in premium 4 Ability to leverage SBI's mammoth 2 branch network Well diversified premium base 5 Scope for rural premium growth 3 Balanced business acquisition channel mix 6 Superior operating metrics 50
Slide 51: Thank You
$BIGeneral INSURANCE THANK YOU
Slide 52: SBI Capital Markets Limited
Subsidiaries Day SBI Capital Markets Limited 19.03.2018
Slide 53: Contents
Contents Introduction SBICAP Income & Value Contribution Market Characteristics and Positioning Strategies Way Forward 53
Slide 54: Introduction
Introduction SBI Capital Markets Ltd Capital Market Group Project Advisor and Structured (CMG) Finance (PASF) Equity Capital Market Debt Capital Market (ECM) (DCM) Subsidiaries SBICAP Securities Ltd (SSL) SBICAP Trustee Co. Ltd SBICAP UK Ltd (SUL) SBICAP Singapore Ltd SBICAP Ventures Ltd - Inv. Rs.1
Slide 55: Product Portfolio
Product Portfolio Project Advisory and Structured Finance (PASF) Capital Market Group (CMG) Project Appraisal Advisory ECM ECM Advisory •Capital structuring •M&A Advisory/Bid Advisory •Corporate Restructuring •Initial Public Offering (IPO) •Private Equity •Information Memorandum and Financial modeli
Slide 56: Our Strengths
OUR STRENGTHS Ability to provide innovative and comprehensive solution/products to customers Sector specialisation for Power, Oil and Gas, Transportation, Steel etc. Competent and dedicated human resources with vast experience known for their astute professionalism and business ethics A robust organ
Slide 57: Income Contributor
nges Income Contributor SBICAP Group SBICAP SSL STCL SVL SUL SSGL 2016-17 64% 31% 4%1% 2015-16 76% 19% 4%1% 2014-15 82% 14% 3%0% 2013-14 85% 11% 3%0% 2012-13 84% 11% 2%0% SBICAP Standalone PA&SF CMG Treasury & Investment Other Income 2016-17 76% 9% 6% 9% 2015-16 82% 8% 5% 4% 2014-15 86% 4% 7% 3% 201
Slide 58: Domestic Subsidiaries Value Addition
nges Domestic Subsidiaries Value Addition SSL STCL SVL As on 31-Mar-16 31-Mar-17 31-Dec-17 31-Mar-16 31-Mar-17 31-Dec-17 31-Mar-16 31-Mar-17 31-Dec-17 Networth (Rs. In crs) 115.97 142.04 182.39 52.67 64.35 72.95 27.24 44.85 47.16 Book Value / share (Rs.) 11.97 14.66 18.83 526.7 643.54 729.47 6.94 11
Slide 59: PASF Market Characteristic & Outlook
nges PASF Market Characteristic & Outlook The Headline GDP Growth number for the Oct-Dec 2017 quarter at 7.2% is the highest since Jul- Sept 2016 indicating revival of growth. Growth in Gross Fixed Capital Formation (GFCF) a proxy for investment grew 12% in the 3rd quarter of FY 2017-18. Banki
Slide 60: PASF Market Positioning
PASF Market Positioning PASF Recent Awards Best Deals of the Year 2017 The Asset Triple A- The Asset Triple A- Project House of the Best Loan House - Power : year-India 2017 & India 2016 Thermal Manufacturing : 2016 Oil & Gas : Powertech Chambal Bharat Corporation & Mytrah Petro Resources Fertiliser
Slide 61: Capital Market Outlook
Capital Market Outlook PASF will remain our core strength area however considering buoyant capital markets, we are strengthening CMG to become top league player. FY18 has been a record year for primary markets raising ₹ 145 Bn across 129 issues FY19 looks very promising – At the end of Februar
Slide 62: Equity Capital Market Characteristics
Equity Capital Market Characteristics STRONG FUNDRAISING ACROSS EQUITY PRODUCTS1 IN RECENT TIMES QIPS HAVE WITNESSED HUGE GROWTH IN FY18 600 50 1,600 129 140 44 44 45 1,400 120 500 101 40 1,200 92 35 87 100 400 1,000 74 74 30 80 22 800 300 20 25 60 20 600 492 14 180 200 40 15 400 302 199 208 199 6 8
Slide 63: ECM- Thrust Area in Recent Times
ECM- Thrust Area in Recent Times Targeting to Achieve More than 1/3rd Market Share in Strategically Chosen Products – IPOs & QIPs in Near Future Initial Public Offering (IPO): Qualified Institutions Placement (QIP): Near Doubling of Market Share & Improved Rankings More Than Doubling Of Market Share
Slide 64: Equity Capital Market Positioning
Equity Capital Market Positioning SBICAP – CONSISTENTLY ACHIEVING LEADERSHIP POSITION ACROSS PRODUCTS AND TIME PERIODS FY 2017 – Market Leader Last 3 Financial Years Ranked No. 1 in equity issuances by number of issues Ranked No. 2 in equity issuances by amount raised1 Raised Rs. 19,924 cr. fo
Slide 65: DCM Market Positioning
DCM Market Positioning DCM Ranking, Market Share 6 8 9 23% 22% 18% 18 15% 9M FY 17- FY 14-15 FY 15-16 FY 16-17 18 Rank 18 9 8 6 FY 14-15 FY 15-16 FY 16-17 9M FY 17-18 DCM Awards & Accolades The Asset Triple A Country Awards 2017 for – 1). Best Quasi-Sovereign Bond, India for NTPC (€500 mn), 2). Be
Slide 66: Strategies
Strategies Arranged being formalised with SBI for handling of various kinds of assignments broadly on the following lines : Proposals where SBI is participating/underwriting o SBICAP to provide assistance in appraisal and industry/ market assessment o Down-selling/ syndication to be done by SBIC
Slide 67: Our Future Foray into New Areas
OUR FUTURE FORAY INTO NEW AREAS Leverage our existing credentials to step up our presence in M & A opportunities. Focus is on Advisory activities such as Government Advisory, Process advisory to NCLT cases etc. Marketing of innovative products like INVIT’s, Overseas Bonds, Masala Bonds, REIT’s. Sett
Slide 68: Thank You
Thank You
Slide 69: Subsidiaries Day
Subsidiaries Day 19th March 2018
Slide 70: Contents
Contents Introduction: SBI RRBs Rural Banking in India: Myths & Facts Technology, Staff, Key Products & Growth Key Financial Information Conclusion & Growth Path 70
Slide 71: Introduction
Introduction 71
Slide 72: Introduction: SBI Sponsored RRBs
Introduction: Operational Areas •Ellaquai Dehati Bank SBI Sponsored RRBs Operational Area Northern Region •Purvanchal Bank •Uttarakhand Gr .Bank •Malwa Gr. Bank •Arunachal Pradesh RB Combined Business Figures North •Langpi Dehangi RB Eastern •Meghalaya Ru. Bank Region •Mizoram Ru. Bank •Nagaland Ru.
Slide 73: RRBs in Focus
RRBs in Focus 73
Slide 74: The Two RRBs in Focus
The Two RRBs in Focus At a Glance… At a glance… APGVB State : AP & Telangana State : Gujarat (Andhra Districts : 22 SGB Districts : 11 Pradesh (Saurashtra Branches : 768 Branches : 255 Grameena Gramin Bank) Vikas Bank) Equity : Rs.94 Crs. Equity : Rs. 24 Crs. Reserves : Rs. 1,656 Crs Reserves : Rs.
Slide 75: Rural Banking: Myths & Facts
Rural Banking: Myths & Facts 75
Slide 76: Myth: Urban is More Potential Than Rural
Myth 1 : Urban is More Potential Than Rural A Majority of population continues to B Doubling of Agri income be in Rural ▪ 69 % of population still resides in Rural ▪ Policy of doubling Agri income by 2022 will have positive impact in disposable income ▪ Increased minimum wages, MANREGA has substanti
Slide 77: Myth: Growth Potential is Limited in Rural Banking Business
Myth 2 : Growth Potential is Limited in Rural Banking Business Growth in Advances ( % ) APGVB SGB 17 34 15 23 RRB 11 3 Facts… a. Both the RRBs are growing consistently Private Bank 1 SBI their loan books faster than PSBs 27 11 22 20 b. SGB grew last year better than the best Best in 7 Class in class
Slide 78: Rural Banking in India: The Big Opportunity
Rural Banking in India: The Big Opportunity Banking in Rural India: Tremendously Underserved Avg. Outstanding Credit / Account (Rs. Mn.) Urban Urban 15% 21% 1.07 Metro Semi Semi politan Urban Metro Urban 53% 11% politan 16% 67% 0.47 Rural 0.21 10% 0.15 Rural 7% Rural Semi Urban Urban Metro Credit by
Slide 79: Technology & Staff
Technology & Staff 79
Slide 80: Technology
Technology For Customers For Banking Operations Mobile Banking E – Kuber Portal Internet Banking Demographic Authentication UPI E – KYC BHIM Aadhaar E – VVR IMPS AEPS VikasNet – Intranet P O S Terminals MIS Debit Cards AML Module C – KYC Video Conferencing ATMs RTGS / NEFT Aadhaar Enrollment Centres
Slide 81: Our People
Our People Knowledgeable Staff & Experienced Staff Age Profile Management Teams A Young, Committed & Energetic Workforce Unique Mix of Experienced & Young Bankers Specialist Officers for performing 56-60 Specialised Functions 15% All Officers & Assistants frequently 51-55 exposed to a Robust Trainin
Slide 82: Key Products & Growth Rates
Key Products & Growth Rates 82
Slide 83: Key Product Segments & Growth
Key Product Segments & Growth Product Split-Up* Product Split-Up AP Agri - SGB Personal GVB SME Others KCC 16% SME 19% Others 0% 8% 6% 39% Advances: Advances: Personal Rs. 13,352 Crs 18% Agri - Rs. 3,269 Crs Others Agri - 29% Agri - KCC Others 63% 2% *As on Dec ‘17 *As on Dec ‘17 Advances Growth (Yo
Slide 84: Key Financial Information
Key Financial Information 84
Slide 85: Profitability
Profitability APGVB SGB Facts….. Net Profits 352 (In Rs. Crs.) 202 223 39 a. APGVB earns more profit than many 26 18 Public Sector Banks b. Consistent Profit making track record APGVB SGB since Consolidation. c. Per Employee Business is much Profits Per 11.7 Employee higher than PSBs and few Private
Slide 86: ROA & ROE (1)
ROA & ROE (1) ROA Comparison ROE Comparison Return Return On On Assets Equity 20.12 1.8 1.82 1.7 16.9 17.2 16.6 1.7 17.17 1.64 15.99 14.42 1.41 1.02 13.43 0.91 12.18 11.21 9.76 0.88 0.84 8.24 0.77 0.46 Mar'15 Mar'16 Mar'17 Mar'18 Mar'15 Mar'16 Mar'17 Mar'18 Proj Proj APGVB SGB APGVB SGB Pri Bank 1 P
Slide 87: ROA & ROE (2)
ROA & ROE (2) FY ‘17 Comparison with Major a) Listed MFIs/SFBs, b) Pure Play MFIs, & c) Pure Play SFBs ROA Comparison (FY ‘17) ROE Comparison (FY ‘17) Return Return On On AVG. LISTED MFI / SFB 2.10% APGVB 20.12% Assets Equity APGVB 1.82% SGB 14.42% AVG. PURE PLAY MFI 1.70% AVG. PURE PLAY MFI 11.50%
Slide 88: RRBs: Lower Risks of Business
RRBs: Lower Risks of Business GNPA% Comparison PCR Comparison 3.3 Provision Gross 527.9 Coverage NPA % Ratio 2.38 342.5 1.69 1.2 199.6 0.95 0.98 0.9 69.9 68.6 1.0 73.9 0.9 55.9 59.6 0.77 59.0 0.53 0.37 52.04 67.19 37.33 Mar'15 Mar'16 Mar'17 Mar'18 Mar'15 Mar'16 Mar'17 Mar'18 Proj Proj APGVB SGB APGV
Slide 89: RRBs: Higher Yield & Low Cost on Funds
RRBs: Higher Yield & Low Cost on Funds Yield Comparison CoF Comparison Yield 12.4 6.35 Cost of On 11.9 6.09 11.64 Fund Advances 5.87 5.75 10.3 10.14 5.9 5.9 9.95 5.89 5.36 9.95 9.8 9.6 5.3 5.3 5.2 9 8.4 4.9 8.3 Mar'15 Mar'16 Mar'17 Mar'18 Mar'15 Mar'16 Mar'17 Mar'18 Proj Proj APGVB SGB APGVB SGB SBI
Slide 90: Conclusion: The Future
Conclusion: The Future 90
Slide 91: Future Growth: The Trajectory
Future Growth : The Trajectory Major Developments Planned ( Next 2 Years ) • We plan to raise Capital through IPO route for these two RRBs and two other RRBs • We are evaluating next phase of Consolidation of RRBs • We are addressing Concentration Risk of Exposure by Diversifying the Portfolio • Exp
Slide 92: Thank You
Thank You
Slide 93: Annexures
ANNEXURES 93
Slide 94: Branch Network: SGB
Branch Network: SGB At a Glance… At a glance… APGVB State : AP & Telangana SGB State : Gujarat (Andhra Districts : 22 Districts : 11 (Saurashtra Pradesh Branches : 768 Gramin Branches : 255 Grameena Bank) Vikas Bank) Equity : Rs.94 Crs. Equity : Rs. 24 Crs. Reserves : Rs. 1,656 Crs Reserves : Rs. 24
Slide 95: Branch Network: APGVB
Branch Network: APGVB At a Glance… At a glance… APGVB State : AP & Telangana SGB State : Gujarat (Andhra Districts : 22 Districts : 11 (Saurashtra Pradesh Branches : 768 Gramin Branches : 255 Grameena Bank) Vikas Bank) Equity : Rs.94 Crs. Equity : Rs. 24 Crs. Reserves : Rs. 1,656 Crs Reserves : Rs.