State Bank Of India · NSE:SBIN
State Bank Of India — Q1 2024 Earnings Presentation
58 slides from State Bank Of India's earnings presentation, Aug 4, 2023
Slide 1: Quarterly Q1FY24 Analyst Presentation
Quarterly Q1FY24 ANALYST PRESENTATION |04.08.2023
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 Performance Financial Indicators 04-05 Highlights 06-20 Performance 21-27 4 5 6 Capital Adequacy & Digital Banking with a Asset Quality 28-33 Journey 34-44 Purpose 45-51 7 Subsidiaries, Group Financials & Balance Sheet 52-57
Slide 4: Macro Economic Indicators
Macro Economic Talellersixe) a
Slide 5: 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 Economy in Sweet Spot ITR returns filed till 31 July (in crore) 6.8 •
Slide 6: Performance Highlights
Performance Highlights (i f\_
Slide 7: Key trends in Q1FY24
Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Key trends in Q1FY24 Highest ever Credit growth Asset Well provided Digital Strategy profit continues quality
Slide 8: 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 9: 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 10: 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 11: 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 12: 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 13: 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 14: Asset quality: Slippages and Restructuring
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: Net 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 16: 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 17: Non-interest income: 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 18: 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 19: 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 20: 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 21: Financial Performance
Financial Performance “lll
Slide 22: 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 23: 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 24: 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 25: 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 26: 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 27: 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 28: Capital Adequacy & Asset Quality
Capital Adequacy & Asset Quality
Slide 29: 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 (%) 14.68 14.56 13.43 2.6
Slide 30: 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 31: 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 32: 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 33: 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 34: Digital Journey
Digital | Journey - >|
Slide 35: Accelerating digital agenda (1/8)
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 36: Accelerating digital agenda (2/8)
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 37: YONO: Driving digital agenda of the Bank
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 38: Accelerating digital agenda (4/8)
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 39: Future vision for YONO
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: YONO for Business: Growth metrics Q1FY24
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: Digital Leadership across channels
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: Digital Presence across channels
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: Advances Business Through Analytical Leads (1/2)
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: Analytics – New Enablers (2/2)
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 “a
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 (1/2)
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 (2/2)
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: 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 56: SBI group financials – Q1FY24
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: 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 58: Thank You
Thank You