State Bank Of India · NSE:SBIN
State Bank Of India — FY2023 Earnings Presentation
66 slides from State Bank Of India's earnings presentation, May 18, 2023
Slide 1: Annual FY23 Analyst Presentation
Annual FY23 ANALYST PRESENTATION |18.05.2023
Slide 2: Safe Harbor
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 outcomes may differ materially from those included in these statements due to a variety o
Slide 3: Contents
Contents 1 2 3 Macro Economic Overview Performance Indicators 04-05 06-13 Highlights 14-28 4 5 6 Financial Capital Adequacy & Digital Performance 29-35 Asset Quality 36-41 Journey 42-52 7 8 Banking with a Subsidiaries, Group Purpose 53-59 Financials & Balance Sheet 60-65
Slide 4: Macro Economic Indicators
Macro Economic Talellersixe) a
Slide 5: Macro-economic indicators remain buoyant
Macro Economic Overview Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Macro-economic indicators remain buoyant Economy Bounces Back ASCB’s Credit Growth is at 11-Year High
Slide 6: Overview
Overview fe
Slide 7: Redefining banking in India
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Redefining banking in India We are India’s Unparalleled market share (%)* largest bank We are proud t
Slide 8: Products and services for everyone
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Products and services for everyone We cater to all customer segments through our various branches and
Slide 9: Customer Touch Points
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Customer Touch Points National reach Branches ATM/ ADWM CSP 22,405 65,627 76,089 Rural 8,042 10,260 5
Slide 10: Consistent value to our shareholders
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Consistent value to our shareholders Market Capitalisation Share Price Dividend per share (₹ in Crore
Slide 11: Preparing future ready human capital
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Preparing future ready human capital Awards and recognition Initiatives ET HR World Future Skill Awar
Slide 12: Accolades (1/2)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Accolades (1/2) Awarded “Best Performing Bank under IBA 18th Annual Technology ET BFSI Best Brands 20
Slide 13: Accolades (2/2)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Accolades (2/2) SBI SHINES GOLD. Honoured With 3 Gold Awards at ET Human Capital Awards Ceremony. ICA
Slide 14: Performance Highlights
Performance Highlights (Kf
Slide 15: Key trends in FY23
Macro Economic Overview Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Key trends in FY23 Highest ever Credit growth Asset Well provided Digital Strategy profit continues q
Slide 16: Key indicators
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 17: Credit growth
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 18: Credit growth: Retail Personal Banking
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 19: Credit growth: Diversified Loan Portfolio
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 20: Credit growth: International Banking
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 21: Deposit growth
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 22: Asset quality
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 23: Net interest income
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 24: Non-interest income
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 25: Non-interest income: Treasury Operations
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 26: Operating expenses
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 27: Provisions
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 28: Sustainable RoE / RoA – a perspective
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview Performance & Indicators Indicators Highlights Highlights Performance & Asset Asset Qual
Slide 29: Financial Performance
Financial Performance “lll
Slide 30: Financials – at a glance
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview & Indicators Indicators Highlights Highlights Performance Performance & Asset Asset Qual
Slide 31: Total income
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview & Indicators Indicators Highlights Highlights Performance Performance & Asset Asset Qual
Slide 32: Fee income break up
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview & Indicators Indicators Highlights Highlights Performance Performance & Asset Asset Qual
Slide 33: Total expenses
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview & Indicators Indicators Highlights Highlights Performance Performance & Asset Asset Qual
Slide 34: Overheads
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview & Indicators Indicators Highlights Highlights Performance Performance & Asset Asset Qual
Slide 35: Provisions & profit
Macro Economic Macro Economic Performance Performance Financial Financial Capital Capital Adequacy Adequacy Digital Digital Banking Banking with with a a Subsidiaries, Subsidiaries, Group Group Overview Overview & Indicators Indicators Highlights Highlights Performance Performance & Asset Asset Qual
Slide 36: Capital Adequacy & Asset Quality
Capital Adequacy & Asset Quality
Slide 37: Well-capitalized bank with adequate liquidity
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance Journey Purpose Financials & Balance Sheet Indicators Highlights & Asset Quality Well-capitalized bank with adequate liquidity Capital Ratios (%) RWA to Total Assets (%) 14.68 13.74
Slide 38: Asset quality (1/4)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance Journey Purpose Financials & Balance Sheet Indicators Highlights & Asset Quality Asset quality (1/4) Gross NPA (₹ in Crores) 1,12,023 1,13,272 1,06,804 98,347 90,928 Cumulative for t
Slide 39: Asset quality (2/4)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance Journey Purpose Financials & Balance Sheet Indicators Highlights & Asset Quality Asset quality (2/4) ₹ in Crores Movement of NPAs: Q4FY22 FY22 Q1FY23 Q2FY23 Q3FY23 Q4FY23 FY23 Openin
Slide 40: Movement of NPAs and AUCA (3/4)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance Journey Purpose Financials & Balance Sheet Indicators Highlights & Asset Quality Movement of NPAs and AUCA (3/4) ₹ in Crores Movement of NPAs (incl. Advances under Collection): Mar 2
Slide 41: Asset quality (4/4)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance Journey Purpose Financials & Balance Sheet Indicators Highlights & Asset Quality Asset quality (4/4) Slippages ₹ in Crores SMA 1 & SMA 2 ₹ in Crores Accounts with exposure above ₹ 5
Slide 42: Digital Journey
Digital | Journey ; |
Slide 43: You only need one
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Purpose Financials & Balance Sheet Indicators Highlights Journey You only need one 10M Daily logins 60.7M Customers 550K Daily Average Transactions 45K Registrations
Slide 44: Accelerating digital agenda (1/6): YONO
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Purpose Financials & Balance Sheet Indicators Highlights Journey Accelerating digital agenda (1/6) YONO: Driving digital agenda of the Bank YONO customers registered
Slide 45: Accelerating digital agenda (2/6)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Purpose Financials & Balance Sheet Indicators Highlights Journey Accelerating digital agenda (2/6) YONO has shown growth across products and registrations YONO Regist
Slide 46: Accelerating digital agenda (3/6): Future vision for YONO
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Purpose Financials & Balance Sheet Indicators Highlights Journey Accelerating digital agenda (3/6) Future vision for YONO: Become “Primary digital bank of choice” The
Slide 47: Accelerating digital agenda (4/6): YONO for Business
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Purpose Financials & Balance Sheet Indicators Highlights Journey Accelerating digital agenda (4/6) YONO for Business: Growth metrics FY 23 Journey YB CINB Payments Va
Slide 48: Accelerating digital agenda (5/6): Digital Leadership
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Purpose Financials & Balance Sheet Indicators Highlights Journey Accelerating digital agenda (5/6) Market share across channels With varied payment modes Digital (as
Slide 49: Accelerating digital agenda (6/6)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Purpose Financials & Balance Sheet Indicators Highlights Journey Accelerating digital agenda (6/6) Digital Presence across channels Presence across access points Cust
Slide 50: Analytics – New Capabilities
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Purpose Financials & Balance Sheet Indicators Highlights Journey Analytics – New Capabilities Enablers in NextGen Data Warehouse & Data Lake New Functional Areas Coll
Slide 51: Analytics – Year in Review
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Purpose Financials & Balance Sheet Indicators Highlights Journey Analytics – Year in Review Advances via Analytics Leads PBBU 1,04,139 65,912 38,657 REHBU Asset SMEBU
Slide 52: Analytics – Paradigm Shift in FY23
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Purpose Financials & Balance Sheet Indicators Highlights Journey Analytics – Paradigm Shift in FY23 Digitization Portfolio Enhancement Digital Lending Identification
Slide 53: Banking with a Purpose
Banking with a Purpose a
Slide 54: Financial Inclusion
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Financials & Balance Sheet Indicators Highlights Purpose Financial Inclusion No. of BC outlets Transactions in BC Channel Deposits in FI Accounts Market Leade
Slide 55: Sustainability Highlights
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Financials & Balance Sheet Indicators Highlights Purpose Sustainability Highlights Financial Capital Natural Capital Social Capital Human Capital ₹ 50,232 cro
Slide 56: Environment
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Financials & Balance Sheet Indicators Highlights Purpose Environment CDP score Awarded score Highest SBI’s Carbon Disclosure EV Green Building Project (CDP) R
Slide 57: Contributing to Society (1/2)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Financials & Balance Sheet Indicators Highlights Purpose Contributing to Society (1/2) CSR Spends across all spectrum Sector-wise CSR Spending 1% Healthcare S
Slide 58: Contributing to Society (2/2)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Financials & Balance Sheet Indicators Highlights Purpose Contributing to Society (2/2) CSR Spends across all spectrum A flagship program for the Quality educa
Slide 59: SBI's Policy Framework
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Financials & Balance Sheet Indicators Highlights Purpose SBI’s Policy Framework Governance Board level committees & Policies for better control and governance
Slide 60: Subsidiaries, Group Financials & Balance Sheet
Subsidiaries, Group Financials & Balance Sheet
Slide 61: SBI and its subsidiaries - leveraging synergies (1/2)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Purpose Indicators Highlights Financials & Balance Sheet SBI and its subsidiaries - leveraging synergies (1/2) As on Mar 2023 ₹ in Crores FY22 FY23 FY22# FY23
Slide 62: SBI and its subsidiaries - leveraging synergies (2/2)
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Purpose Indicators Highlights Financials & Balance Sheet SBI and its subsidiaries - leveraging synergies (2/2) As on Mar 2023 ₹ in Crores FY22# FY23# FY22 FY2
Slide 63: Regional rural banks
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Purpose Indicators Highlights Financials & Balance Sheet Regional rural banks Sponsored by SBI Performance Highlights for FY23 14 RRBs operating in 13 States
Slide 64: SBI group financials – FY23
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Purpose Indicators Highlights Financials & Balance Sheet SBI group financials – FY23 ₹ in Crores Year Ended Growth (%) Year Ended FY22 FY23 YoY FY22 FY23 Inte
Slide 65: Balance sheet
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Performance & Asset Quality Journey Purpose Indicators Highlights Financials & Balance Sheet Balance sheet Liabilities ₹ in Crores SBI SOLO SBI GROUP Mar 22 Mar 23 YOY Growth (%) Mar 22 Mar 23 Y
Slide 66: Thank You
Thank You