State Bank Of India · NSE:SBIN
State Bank Of India — Q1 FY25 Earnings Presentation
59 slides from State Bank Of India's earnings presentation, Aug 3, 2024
Slide 1: Exchange submission letter for analyst presentation
The Listing Department, The Listing Department, BSE Limited, National Stock Exchange of India Limited, Phiroje Jeejeebhoy Towers, Exchange Plaza, 5th Floor, C / 1, ‘G’ Block, 25th Floor, Dalal Street, Bandra Kurla Complex, Bandra (East), Mumbai – 400001 Mumbai – 400051 BSE SCRIP Code: 500112 NSE SCR
Slide 2: Quarterly Q1FY25 Analyst Presentation
Quarterly Q1FY25 ANALYST PRESENTATION |03.08.2024
Slide 3: 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 4: Contents
Contents 1 2 3 Macro Economic Performance Financial Indicators 04-05 Highlights 06-23 Performance 24-30 4 5 6 Capital Adequacy & Digital Banking with a Asset Quality 31-36 Journey 37-43 Purpose 44-50 7 Subsidiaries, Group Financials & Balance Sheet 51-57
Slide 5: Macro Economic Indicators
Macro Economic Talellersixe) a
Slide 6: Macro-economic indicators remain buoyant
Macro Economic 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 Indian economy shows healthy growth and broader stability Tax to GDP
Slide 7: Performance Highlights
Performance Highlights (i f\_
Slide 8: Key performance indicators
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Key performance indicators Profitability Credit growth Asset Well provided Digital continues quality Stressed
Slide 9: Key indicators
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 10: Credit growth
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 11: Credit growth: Retail Personal Banking
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 12: Diversified Loan Portfolio
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 13: International Banking
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 14: Deposit growth
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 15: Unmatched Liability Franchise – Key value driver of the Bank
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 16: Asset quality
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 17: Net interest income (Cumulative)
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 18: Non-interest income
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 19: Treasury Operations
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 20: Operating expenses
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 21: Manpower productivity
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 22: Capital – assessment based on credit growth and RoE trends
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 23: Provisions
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 24: Sustainable RoE / RoA – a perspective
Macro Economic PerformancePerformance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators Performance IndicatorsHighlights Highlights Performance & Asset & Asset Quality Quality Journey Journey Purpos
Slide 25: Financial Performance
Financial Performance “lll
Slide 26: Financials – at a glance
Macro Economic Performance Performance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators IndicatorsHighlights Highlights Performance Performance & & AssetAsset Quality Quality Journey Journey Purpos
Slide 27: Total income
Macro Economic Performance Performance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators IndicatorsHighlights Highlights Performance Performance & & AssetAsset Quality Quality Journey Journey Purpos
Slide 28: Fee income break up
Macro Economic Performance Performance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators IndicatorsHighlights Highlights Performance Performance & & AssetAsset Quality Quality Journey Journey Purpos
Slide 29: Total expenses
Macro Economic Performance Performance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators IndicatorsHighlights Highlights Performance Performance & & AssetAsset Quality Quality Journey Journey Purpos
Slide 30: Overheads
Macro Economic Performance Performance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators IndicatorsHighlights Highlights Performance Performance & & AssetAsset Quality Quality Journey Journey Purpos
Slide 31: Provisions & profit
Macro Economic Performance Performance Macro Economic FinancialFinancial Capital Capital Adequacy Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Indicators IndicatorsHighlights Highlights Performance Performance & & AssetAsset Quality Quality Journey Journey Purpos
Slide 32: Capital Adequacy & Asset Quality
Capital Adequacy & Asset Quality
Slide 33: Well-capitalized bank with adequate liquidity
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Well-capitalized bank with adequate liquidity Capital Ratios (%) RWA to Total Assets (%) 14.56 14.28 53.19 13.
Slide 34: Asset quality (1/4)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Adequacy Capital Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Highlights Performance Journey Purpose Indicators Indicators Highlights Performance & Asset Quality & Asset Quality Journ
Slide 35: Asset quality (2/4)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Adequacy Capital Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Highlights Performance Journey Purpose Indicators Indicators Highlights Performance & Asset Quality & Asset Quality Journ
Slide 36: Movement of NPAs and AUCA (3/4)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Adequacy Capital Adequacy Digital Digital Bankingwith Banking with aa Subsidiaries, Group Overview Highlights Performance Journey Purpose Indicators Indicators Highlights Performance & Asset Quality & Asset Quality Journ
Slide 37: Asset quality (4/4)
Macro Economic Macro Economic Performance Financial Capital Adequacy Capital Adequacy Digital Banking with a Subsidiaries, Group Overview Highlights Performance Journey Purpose Financials & Balance Sheet Indicators Indicators & Asset Quality & Asset Quality Asset quality (4/4) Slippages ₹ in Crores
Slide 38: Digital Journey
Digital | Journey - a
Slide 39: Accelerating digital agenda (1/6)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Bankingwith Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Purpose Financi
Slide 40: Accelerating digital agenda (2/6)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Bankingwith Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Purpose Financi
Slide 41: Accelerating digital agenda (3/6)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Bankingwith Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Purpose Financi
Slide 42: Accelerating digital agenda (4/6)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Bankingwith Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Purpose Financi
Slide 43: Accelerating digital agenda (5/6)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Bankingwith Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Purpose Financi
Slide 44: Accelerating digital agenda (6/6)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Bankingwith Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Purpose Financi
Slide 45: Banking with a Purpose
Banking with a Purpose “as
Slide 46: Financial Inclusion
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Banking with Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Journe
Slide 47: Sustainability Highlights
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Banking with Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Journe
Slide 48: Environment
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Banking with Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Journe
Slide 49: Contributing to Society (1/2)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Banking with Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Journe
Slide 50: Contributing to Society (2/2)
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Banking with Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Journe
Slide 51: SBI’s Policy Framework
Macro Economic Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Banking with Banking with aa Subsidiaries, Group Overview Highlights Performance Asset&Quality Asset Quality Purpose Indicators Indicators Highlights Performance Journey Journe
Slide 52: Subsidiaries, Group Financials & Balance Sheet
Subsidiaries, Group Financials & Balance Sheet
Slide 53: SBI and its subsidiaries – leveraging synergies (1/3)
Macro Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries, Group Group Macro Economic Economic Overview Overview Highlights Performance Asset&Quality Asset Quality Purpose Financials&& Bala
Slide 54: SBI and its subsidiaries – leveraging synergies (2/3)
Macro Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries, Group Group Macro Economic Economic Overview Overview Highlights Performance Asset&Quality Asset Quality Purpose Financials&& Bala
Slide 55: SBI and its subsidiaries – leveraging synergies (3/3)
Macro Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries, Group Group Macro Economic Economic Overview Overview Highlights Performance Asset&Quality Asset Quality Purpose Financials&& Bala
Slide 56: Regional Rural Banks
Macro Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries, Group Group Macro Economic Economic Overview Overview Highlights Performance Asset&Quality Asset Quality Purpose Financials&& Bala
Slide 57: SBI group financials – Q1FY25
Macro Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries, Group Group Macro Economic Economic Overview Overview Highlights Performance Asset&Quality Asset Quality Purpose Financials&& Bala
Slide 58: Balance sheet
Macro Macro Economic Performance PerformanceFinancialFinancial Capital Capital Adequacy Adequacy & Digital Digital Bankingwith Banking withaa Subsidiaries, Subsidiaries, Group Group Macro Economic Economic Overview Overview Highlights Performance Asset&Quality Asset Quality Purpose Financials&& Bala
Slide 59: Thank You
Thank You