State Bank Of India · NSE:SBIN
State Bank Of India — Investor Day (October 2019)
16 slides from State Bank Of India's investor day presentation, Oct 30, 2019
Slide 1: Investor Day Presentation - Digitization
Investor Day Presentation - Digitization PRESENTATION TO SBI INVESTORS 30th October, 2019
Slide 2: Indian customers are increasingly becoming digital as evident in payments
Indian customers are increasingly becoming digital as is evident in digitization of payments – mobile is increasingly becoming the form factor of choice for customers Share of transactions by type of digital transaction Share of payment transaction volume by mode, % Growth Rate,’16-18 Total (Cr) ~96
Slide 3: SBI is the industry leader across digital platforms
SBI, with its wide reach and scale, is the industry leader across digital platforms Leadership across social media platforms Leadership across digital banking with wide reach and scale ▪ 43+ Cr customers; 65% in rural and Rank 1 – 1.7 Cr likes semi-urban areas Unparalleled reach ▪ Network of ~22,000
Slide 4: Exponential growth in payments and alternate channels in SBI
Exponential growth in payments and alternate channels in SBI For H1’FY20 (Apr-Sep’2019) UPI IMPS POS 130 Cr+ Number of transactions 113 Cr+ Number of transactions 1L+ POS installations 300,000 Cr+ Transaction amount 10,00,00 Cr+ Transaction amount 12% Growth in Cumulative POS Growth in UPI Growth in
Slide 5: Digitization across all business units to improve customer experience and efficiency
Digitization across all business units to improve customer experience and efficiency ▪ Online application for trade requests; digital forex rate booking Corporate Banking ▪ ERP integration with large corporates ▪ Leader in terms of ▪ Blockchain enabled trade finance (In process) volume and value of
Slide 6: Re-imagine SBI: Retail key pillars for seamless experience
YONO Retail has 3 key pillars to deliver seamless experience to customers and improve the productivity at branches through digitization Re-imagine SBI Best in class omni-channel customer experience 1 2 3 Digital Financial Online bank superstore market place “Seamless Omni- “Enable higher “Deepen cha
Slide 7: Retail: Branch employee facing portal enabling e2e digitization
YONO Retail: Branch employee facing portal enabling e2e digitization will drive significant productivity gains ▪ Form simplification 80% ▪ Aadhaar based pre-population of fields Account ▪ 60%+ of new savings accounts opened through YONO Reduction in TAT opening ▪ Loan processing through data pre-pop
Slide 8: Within 22 months of launch, YONO has delivered significant impact
Within 22 months of launch, YONO has delivered significant impact across customer adoption, on-boarding and new business; annual run rate of INR 350 Cr+ of incremental revenue ▪ ~3 Cr downloads in 22 months Overall ▪ ~1.3 Cr Registrations and counting Online market place ▪ 100+ active merchants on O
Slide 9: YONO Krishi has 4 key building blocks
YONO Krishi has 4 key building blocks; Phase 1 launched in July 2019 with 3 major offerings - Agri gold loans, Mitra and Mandi, now in 12 languages KHATA MANDI MITRA BACHAT Ecosystem of partnerships A knowledge integrator for ▪ Agri gold loans farmers; partners Investment and for agri products; part
Slide 10: Business: Portfolio of Offerings
YONO Business: Portfolio of Offerings ▪ Single-sign-on across all corporate banking applications ▪ Unified onboarding with reduced documentation requirements ▪ Single dashboard view across applications Business ▪ Online application for initiating trade requests ▪ Digital forex rate booking with docu
Slide 11: Transaction banking: Full suite of services for corporates and government
Transaction banking: Full suite of services for corporates and government Virtual Account Digi Number Bulk Dealer E-Collections 1 Power Jyoti Bulk 10 2 E-Payments PUL 9 3 8 4 Easy Dividend Collect 7 5 Payment 6 Cheque Cash / Printing Scanned Cheque Mandate/ Pick Up E-Mandate 1 Footnote SOURCE: Sourc
Slide 12: YONO Global: YONO UK launched in Sep 2019
YONO Global: YONO UK was launched in Sep 2019 with 32 reimagined journeys Account opening Post login home screen Fund Transfer Open a new FD Remittance YONO Global planned for launch in at least 4 other countries by Mar’2020 1 Footnote SOURCE: Source 12
Slide 13: YONO has best in class features and took much less time to build
YONO has the best in class features available in the market and has taken much lesser time to build Key gap compared to peers Nov 2017 Apr 2016 > 5 years Nov 2016 >5 years Digital account Fund transfer Online market place1 100+ 25 90 9 ~100 Mutual fund Buy Life insurance1 6 2 Buy General insurance1
Slide 14: More than 60% of IT budget is allocated towards new investments
More than 60% of IT budget is allocated towards new investments Share of IT budget Total spend (INR Cr) Key spend areas Data Centre & Data Warehouse Cloud Services 1,119 68% Capex Networking & Partnerships ATM Communication 32% Opex and Regulatory 535 1 Footnote SOURCE: Source 14
Slide 15: Setup of YONO green fund aligned with sustainability
YONO is aligned with sustainability which is one of the core values for SBI Setup of YONO green fund 1 2 Key Activities with corpus of ~INR 60 Cr (as part of loyalty program): A▪ Planting of trees A▪ “YONO green party” campaign from Oct 1, 2019 to May 31, 2020 B▪ Customized loyalty program for B▪ Co
Slide 16: SBI has won numerous accolades and awards in digital and transaction banking
SBI has won numerous accolades and awards for leadership in digital and transaction banking The Best Cash Management The Best Transaction Bank The Best Payment Bank in India House in India in India Outstanding performance in POS Outstanding performance in BHIM Outstanding performance in Merchant dep