State Bank Of India · NSE:SBIN

State Bank Of India — Q2 FY2024 Earnings Presentation

59 slides from State Bank Of India's earnings presentation, Nov 4, 2023

1. Slide 1: Exchange filing cover 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 S

2. Slide 2: Quarterly Q2FY24 Analyst Presentation

   Quarterly Q2FY24 ANALYST PRESENTATION |04.11.2023

3. 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

4. Slide 4: 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

5. Slide 5: Macro Economic Indicators

   Macro Economic Talellersixe) a

6. 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 Economy in Sweet Spot Credit Growth Continue to be Robust 25.0 Moment

7. Slide 7: Performance Highlights

   Performance Highlights (Kf \_

8. Slide 8: Key trends

   Macro Economic Performance Financial Capital Adequacy Digital Banking with a Subsidiaries, Group Indicators Highlights Performance & Asset Quality Journey Purpose Financials & Balance Sheet Key trends Profitability Credit growth Asset Well provided Digital Strategy continues quality Stressed Book on

9. 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

10. 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

11. 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

12. Slide 12: Credit growth: 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

13. Slide 13: Credit growth: 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

14. 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

15. Slide 15: 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

16. Slide 16: 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

17. Slide 17: 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

18. Slide 18: 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

19. Slide 19: 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

20. Slide 20: 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

21. Slide 21: 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

22. Slide 22: Financial Performance

    Financial Performance “lll

23. Slide 23: 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

24. Slide 24: 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

25. Slide 25: 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

26. Slide 26: 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

27. Slide 27: 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

28. Slide 28: 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

29. Slide 29: Capital Adequacy & Asset Quality

    Capital Adequacy & Asset Quality

30. Slide 30: 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 13.51 2.5

31. Slide 31: 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

32. Slide 32: 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

33. Slide 33: 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

34. Slide 34: 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

35. Slide 35: Digital Journey

    Digital | Journey - >|

36. Slide 36: 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

37. Slide 37: 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

38. Slide 38: Accelerating digital agenda (3/8)

    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

39. Slide 39: 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

40. Slide 40: Accelerating digital agenda (5/8)

    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

41. Slide 41: Accelerating digital agenda (6/8)

    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

42. Slide 42: Accelerating digital agenda (7/8)

    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

43. Slide 43: Accelerating digital agenda (8/8)

    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

44. Slide 44: 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

45. Slide 45: Analytics – Capability Snapshot (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

46. Slide 46: Banking with a Purpose

    Banking with a Purpose “a

47. Slide 47: 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

48. Slide 48: 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

49. Slide 49: 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

50. Slide 50: 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

51. Slide 51: 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

52. Slide 52: 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

53. Slide 53: Subsidiaries, Group Financials & Balance Sheet

    Subsidiaries, Group Financials & Balance Sheet

54. Slide 54: 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

55. Slide 55: 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

56. 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

57. Slide 57: SBI group financials – Q2FY24

    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

58. 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

59. Slide 59: Thank You

    Thank You

State Bank of India — Q2 FY2024 Earnings Presentation on 6ix