Invester Presentation March 2016

Experience Next Generation Banking
Investor Presentation
May - 2016
Safe Harbor
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should be placed on, the fairness, accuracy, completeness or correctness of such
information or opinions contained herein. The information contained in this
presentation is only current as of its date. Certain statements made in this
presentation may not be based on historical information or facts and may be “forward
looking statements”, including those relating to the Company’s general business plans
and strategy, its future financial condition and growth prospects, and future
developments in its industry and its competitive and regulatory environment. Actual
results may differ materially from these forward-looking statements due to a number
of factors, including future changes or developments in the Company’s business, its
competitive environment and political, economic, legal and social conditions in India.
This communication is for general information purpose only, without regard to
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presentation does not constitute an offer or invitation to purchase or subscribe for
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presentation can not be copied and/or disseminated in any manner.
2
Contents
Performance in FY 16
An Introduction
Business Strategy
Performance Matrix
Next Generation Bank
An Inflection Point
Awards & Recognitions
3
Performance in FY 16
4
Performance in FY 16
Rs in Crores
FY 15
FY 16
Growth
Business
89,890
97,506
8.47%
Deposits
EBIDTA
51,912
17
55,721
41
7.34%
26%
Advances
37,978
41,785
10.02%
NIM
2.70%
2.73%
3bps
PAT
307
333
8.47%
5
Moving Towards Vision 2020…
Appointed
International
Finance
Corporation
Entered
Memorandum
of Understanding
with
NSIC
Opened
Centralized
Marketing &
Processing
Centre
 Provides advisory
support to bank on the
medium and long term
strategy for significant
growth in retail,
agriculture and SME
sectors
 Facilitates loans to
MSE and promotes
the MSME credit
portfolio of the Bank
 Houses the Bank’s
Marketing Dept, Retail
Loan Hub and
Transaction Banking
Dept
....to become Retail Banking Power House
6
Recent Awards
SIB wins ‘Social Banking Excellence Award instituted by ASSOCHAM”
SIB wins prize in IDRBT Banking Application
Contest
SIB wins Master Card Innovation Award
7
An Introduction
8
Milestones
FIRST among the private
sector banks in Kerala to
become a scheduled bank in
1946 under the RBI Act
FIRST private sector bank to
open a NRI branch in
November 1992
FIRST among the private sector
banks in Kerala to open an
"Overseas Branch" to cater
exclusively to the export and
import business in June 1993
FIRST bank in the private
sector in India to open a
Currency Chest on behalf of
the RBI in April 1992
FIRST bank in the private sector
to start Industrial Finance
Branch in March 1993
FIRST bank in Kerala to develop an
in-house, a fully integrated branch
automation software in addition to
the in-house partial automation
solution operational since 1992
The FIRST Kerala based bank to implement
Core Banking System
9
Expansion over a Decade
Branch Network
ATM Network
~2X
~9x
834
1,287
449
698
245
387
440
263
144
121
66
38
140
56
FY06
FY16
Kerala
40
FY06
South Ex-Kerala
202
FY16
Others (Rest of India)
10
Performance over a Decade
Net Interest Income
Profit After Tax
Rs Crs
CAGR : 17%
Rs Crs
CAGR : 21%
1,510
333
310
51
FY06
FY16
FY06
Business (Advances + Deposits)
CAGR : 20%
Gross NPA
Rs Crs
96,806
FY16
122bps
In %
4.99
3.77
15,949
FY06
FY16
FY06
FY16
11
Leadership Team
Mr. V. G Mathew , MD & CEO

Post Graduate in Physics and CAIIB with over 37 years of experience

Joined SIB in January, 2014 as Executive Vice President and appointed as MD & CEO in October, 2014

Significant experience in Retail & Corporate Credit, Technology and Risk Management

Joined SBI as a probationary officer in the Ahmadabad Circle in 1978 and was Chief General Manager before joining SIB

The major assignments handled by Mr. Mathew in SBI are


Dy. General Manager (IT Networking Project)

Dy. General Manager and Branch Head, (Overseas Branch, Bangalore)

General Manager, (Corporate Accounts Group-Mumbai Branch)

Chief General Manager (Risk Management)

Chief General Manager (Corporate Accounts Group)
He has served on various committees at Corporate Center of SBI such as Wholesale Banking Credit Committee,
Investment Committee, Corporate Centre Credit Committee and was a Director on the Board of SBI Macquarie
Infrastructure Trustee (P) Limited
12
Leadership Team
Mr. Thomas Joseph K, EVP (Administration)
•
Bachelors Degree in Engineering and Diploma in Management & CAIIB
•
He is associated with SIB since 1984 and heads Departments such as Risk Management, Technology, Marketing,
Corporate Financial Management, Human Resource and Inspection & Vigilance
He was Head of Credit handling a portfolio of Rs.40,000 crores and was instrumental in the execution of the Retail
Strategy of the Bank which saw significant growth in the MSME & Agriculture Sectors
•
Mr. G Sivakumar, EVP (Credit)
•
•
•
•
•
Postgraduate in Chemistry and holds Masters Degree in Business Administration & CAIIB
He heads Credit and Legal Departments
He has over 35 Years of Experience in Domestic and International Banking in India and Abroad
Before joining SIB, he was the General Manager and Head of Private Equity Vertical in State Bank of India where he was
responsible for Private Equity and Venture Capital Investments made by the Bank
He was also a nominee director on the Board of Directors of four companies and Investment Committee of more than
ten Alternative Investment Funds
Mr. K N Reghunathan, EVP (Treasury)
•
Commerce Graduate & CAIIB
•
He is responsible for Treasury Operations of the Bank along with International Banking Division
•
Before joining SIB, he was associated with Union Bank of India and was General Manager of Treasury and International
Banking Division.
•
He was the Bank’s nominee on the Board of FIMMDA and SBI Global Factors and Member of the Advisory Committee
of Metropolitan Stock Exchange of India, IDFC Investment Fund, TATA Growth Fund, TATA Innovative Fund, India
Advantage Fund I & II
13
Management Team
Mr. John Thomas, General Manager
Mr. Benoy Varghese, General Manager
(Business Development Department)
(Credit Department)
•
Bachelors Degree in Science, MBA and CAIIB
Mr. Raphael T.J., General Manager
(Marketing & Information Technology)
•
Bachelors Degree in Commerce, Masters in EXIM,
Diploma in Financial Management and CAIIB
Mr. Paul V.L., General Manager
(Personnel & Planning & Development Department)
•
Masters Degree in Arts and Post Graduate Diploma in
Personnel Management & JAIIB
•
Bachelors Degree in Arts & Masters Degree in Business
Administration and CAIIB
Mr. Murali N A., General Manager
(Mumbai Regional Office)
•
Masters Degree in Commerce and JAIIB
Mr. Anto George T., General Manager
(Delhi Regional Office)
•
Bachelors Degree in Arts & Post Graduate Diploma in
Computer Application, Certification in RDBMS & Oracle
8i and JAIIB
Mr. Bobby James , General Manager
(Inspection & Vigilance)
•
Bachelors Degree in Commerce, C.A. (Inter) and JAIIB
14
Management Team
Mr. C.P. Gireesh, Chief Financial Officer
Bachelors Degree in Mathematics
Fellow member of the Institute of Chartered Accountants of India and Certified Associate of the Indian Institute of
Banking & Finance
•
•
Mr. Jacob EA, Chief Compliance Officer
•
Bachelors Degree in Science & CAIIB - I
Mr. Jimmy Mathew, Company Secretary
•
Bachelors Degree in Commerce, Associate Member of
Institute of Company Secretary of India and Institute of
Cost & Management Accountants of India. Also a
Certified Associate of the Indian Institute of Banking &
Finance
15
Business Strategy
16
Focus is back on Core Strengths...
01
Increase …
02
CASA
Retail Business …
More Products
Retail
Relationships
06
Sustainable…
Asset Quality
03
SME Business …
Sole Banker
SME
Relationships
05
Increase…
Fee Income
04
Improve
NIM
17
...Increase Retail & SME Business
01
02
Centralize
Marketing &
Processing
Centre (Kochi)
Retail Hub
• Home Loan
• Auto Loan
• MSME Loan
• LAP
03
Cluster
Branches
Loan Processing
Retail Business
Branch Profitability
• Enhanced risk management
• Penetrate further in the
existing set of Customers
• Focus on particular
geographies and open
additional branches
• KYC compliance and fraud
prevention tools
• Faster Sanctions
• Improve Branch Profitability
18
…by focus on Housing Loans in Retail
Retail Breakup
Housing: Key Initiatives
Rs Crs
10,093
9,657
834
926
1,726
1,580
2,485
9,368
9,250
9,382
910
1,008
1,057
941
858
872
1,733
1,801
1,998
1,049
•
Retail hub in Cochin to increase focus on
housing finance
•
Two more hubs to be set up – one in
South India and one in North India
•
Branch staff being given specific training
to market mortgage loans
•
Marketing initiative through TVCs
•
Tailor made products for different
segments
973
2,521
1,540
1,559
1,501
1,564
2,003
1,655
1,455
1,371
Jan to Mar 2016
2,369
2,241
2,106
2,499
2,614
• Housing Loans Sanctioned : 1,157 Nos.
• Amount of Housing Loans Sanctioned – Rs. 233 cr
Mar-15
Jun-15
Sep-15
Dec-15
Mar-16
Others
Service & Traders
Gold
LAD*
Manufacturing
Housing
*LAD = Loan against deposits
19
…becoming a Banker of Choice to SMEs
Loan Book by Geography – FY16
Average SME Loan / Account
Rs Lakhs
15.28
15.26
Rest of
India
25%
15.33
Kerala
43%
13.70
12.50
South
(ExKerala)
32%
SME Highlights
Mar-15
Jun-15
Sep-15
Dec-15
•
Dedicated DGM appointed to ensure focus and
better coordination with regions
•
Focused ‘Green Channel’ branches to drive
faster loan growth to SMEs
•
Target to become banker of choice to SMEs
thereby getting other business as well –
liabilities, vehicle finance, etc.
•
Ongoing training (in-house as well as external)
Mar-16
20
…with the help of our Branch Network
Total Branch Network
+5.7%
631
688
738
FY11
FY12
FY13
794
822
834
FY14
FY15
FY16
1,200
1,287
FY15
FY16
Total ATM Network
Branch Location*
+21.3%
No of
Branches
Kerala
449
South India (Ex-Kerala)
245
Rest of India
140
Total
834
1,000
663
490
FY11
*Map for illustration purpose only
800
FY12
FY13
FY14
21
… and our Experienced Employees
Employee Addition
Total Employees: 7,007*
14
75
128
41
7,009
4%
7,007
13%
22%
33%
28%
Mar-15
Jun-15
Sep-15
Dec-15
*Employees include full-time officers and clerks.
Mar-16
Closing
< 1 Year
1-2 Years
5-10 Years
> 10 Years
2-5 Years
22
Performance Matrix
23
Strong Deposit Franchise
Core & Non-Core Deposits
Mar-16
46,487
14%
Mar-16
9,234
18%
Mar-16
55,721
Rs Crs
7%
40,694
Mar-15
11,219
Mar-15
51,912
Mar-15
Core Deposit
Non-Core Deposit
Total Deposit
CASA Deposits
Mar-16
Mar-16
Mar-16
1,983
10,476
12,459
9%
18%
17%
1,818
Mar-15
8,868
Mar-15
10,686
Mar-15
Current Deposit
Savings Deposit
Total CASA
Rs Crs
24
Core Deposits Growing...
Breakup of Deposits
Rs Crs
51,912
CASA Deposit
55,721
52,324
53,036
53,441
12,459
1,983
10,686
1,818
29,968
31,517
32,334
33,204
Rs Crs
+17%
8,868
10,476
Mar-15
Mar-16
34,059
Current
Savings
Term Deposits
8,868
1,818
11,258
Mar-15
9,622
9,915
10,177
1,983
2,034
2,157
2,130
9,151
8,630
7,930
9,203
Jun-15
Sep-15
Dec-15
Mar-16
Term
Savings
Current
*Others includes: Bulk, Certificates of Deposits
Others*
Rs Crs
+14%
10,476
29,968
Mar-15
34,059
Mar-16
25
NRI Deposits Growing…
NRI Deposits
CASA
Rs Crs
In (%)
14,303
13,566
12,193
12,904
22.8
22.4
22.3
11,393
Mar-15
23.0
20.6
Jun-15
Sep-15
Dec-15
Mar-16
Mar-15
Jun-15
Sept-15
Dec-15
Mar-16
26
Composition of Loan Book
Total Advances
Segment wise Break Up
Rs Crs
Rs Crs
+10%
37,978
15,433
38,820
16,317
40,215
16,857
40,601
5,770
13.81%
41,785
+4%
16,584
16,099
38.53%
9,823
23.51%
16,099
+14%
22,545
22,503
23,358
24,017
25,686
1,371
3.28%
8,721
20.87%
Mar-15
Jun-15
Corporate (Above Rs 25 Crs)
Sep-15
Dec-15
Mar-16
Retail & SMEs (Below Rs. 25 Crs)
Corporate
Retail Ex Gold
SME
Agriculture
Gold
27
Key Focus : Retail, SME & Agriculture
Retail excluding Gold
Rs Crs
+22%
7,172 7,365
Gold ( Average LTV – 65%)
7,595 7,927
8,721
Rs Crs
-45%
2,485
2,003
1,655
1,455
1,371
Mar-15 Jun-15 Sep-15 Dec-15 Mar-16
Mar-15 Jun-15 Sep-15 Dec-15 Mar-16
Agriculture
SME
4,917
5,352
Rs Crs
Rs Crs
+42%
Retail Loans (Excl.
Gold), Agriculture &
SME has
grown by 21%
+11%
5,549
5,770
4,077
Mar-15 Jun-15 Sep-15 Dec-15 Mar-16
8,811
8,218
8,756
9,086
9,823
~15% of the
Agriculture & SME
Loans are backed by
Additional Security
by way of GOLD
Mar-15 Jun-15 Sep-15 Dec-15 Mar-16
28
Advances growing across Regions
Rs Crs
+10%
37,954
11,444
38,851
11,899
40,215
40,601
41,785
+10%
12,289
12,440
12,549
+6%
12,769
12,682
13,187
13,178
13,556
+14%
13,741
14,270
14,739
14,983
15,680
Mar-15
Jun-15
Sep-15
Dec-15
Mar-16
Rest of India
South Ex- Kerala
Kerala
29
Net Interest Income - Quarter
Net Interest Income
Cost of Deposits & Yield on Advances
Rs Crs
In %
+8%
347
340
388
Cost Of Deposit
407
374
11.61
Yeild on Advances
11.49
11.38
11.21
10.56
8.05
Mar-15
Jun-15
Sep-15
Dec-15
Mar-16
Net Interest Margin
Mar-15
7.85
Jun-15
7.53
Sept-15
2.81
2.92
2.63
9.38
6.92
Mar-15
Jun-15
Sep-15
Dec-15
* 13 bps adverse impact on interest reversal
Mar-16
In %
Yield on Funds
Cost of Funds
2.54
Dec-15
7.24
Cost of Funds & Yield on Funds
In %
2.70
7.38
Mar-16*
Mar-15
9.39
7.07
Jun-15
9.28
6.71
Sept-15
9.21
6.55
Dec-15
8.78
6.38
Mar-16
30
Net Interest Income - Cumulative
Net Interest Income
Cost of Deposits & Yield on Advances
Rs Crs
+11%
In %
Yield on Advances
Cost of Deposits
1,510
1,366
1,135
11.74
11.49
11.43
11.36
7.85
7.69
7.58
11.18
729
7.99
340
Mar-15
Jun-15
Sep-15
Dec-15
Mar-15
Net Interest Margin
Mar-15
Jun-15
Sept-15
Dec-15
+3 bps
2.54
2.67
2.73
9.55
7.08
Mar-15
Jun-15
Sep-15
In %
Yield on Funds
Cost of Funds
2.76
Dec-15
Mar -16
Cost of Funds & Yield on Funds
In %
2.70
7.52
Mar-16
Mar-15
9.41
9.33
9.29
7.08
6.89
6.77
Jun-15
Sept-15
Dec-15
9.18
6.69
Mar -16
31
Operating Efficiency
C/I Ratio
Employee Additions
In %
59.28
128
58.70
56.60
72
56.62
52.66
-14
Mar-15
Jun-15
Sept-15
-41
-75
Dec-15
Mar -16
Mar-15
Business per Employee
Jun-15
Sept-15
Dec-15
Business per Branch
Rs Crs
Rs Crs
+11%
10.8
Mar-15
Mar -16
+9%
11.5
11.7
11.9
12.0
Jun-15
Sep-15
Dec-15
Mar-16
99
Mar-15
107
107
108
108
Jun-15
Sep-15
Dec-15
Mar-16
32
Sustainable Other Income
…Sustainable : Transaction Fees + Technology
Total Other Income led by ….
Rs Crs
+14%
153
122
Jun-15
72
139
72
Sep-15
Dec-15
Mar-16
50
52
22
Mar-15
Rs Crs
22
12
10
15
9
4
28
9
14
Mar-15
Jun-15
Sep-15
Other
10
23
42
Forex
14
50
Dec-15
30
Mar-16
52
39
44
21
21
23
23
Jun-15
Sep-15
Dec-15
Mar-16
Transaction Fees
Profit on Sale of Investments, Forex & Others
76
67
60
121
104
Mar-15
Rs Crs
Technology
Investment Book as on Dec-15
Details
Rs. Crs
M Duration
HTM
12,036
5.31
AFS
2,676
4.37
HFT
106
6.69
Total
14,818
5.46
Profit on Sale of Investments
33
Break Up of Provisions
Rs Crs
Q4-FY 16
Q4-FY 15
Q3-FY16
191.10
59.65
83.85
0.50
6.88
12.21
For Standard Assets
-37.37
10.64
10.85
For Restructured Advances/Sacrifices & FITL
-29.45
46.67
-1.69
For Unhedged Forex Exposure
-0.69
3.11
-1.23
Others
-7.84
10.79
2.39
Taxes
33.08
10.91
55.04
Total Provisions
149.33
148.65
161.43
For NPA & NPI
For Depreciation on Investments
34
Non Performing Assets
Gross NPA
Net NPA
2.89%
3.77%
2.75%
1.80%
2.24%
1.71%
1.85%
Mar-15
June-15
1.21%
0.96%
Sept-15
Dec-15
Mar-16
Mar-15
Gross NPA movement in Q4FY16
June-15
1.39%
Sept-15
Dec-15
Mar-16
Net NPA movement in Q4FY16
Rs Crs
Rs Crs
195
391
1,185
1,562
845
1,108
Opening
664
716
Additions
Deductions
Closing
Opening
Additions
Deductions
Closing
35
Restructured Advances Breakup
Restructured Assets Break-up
Sector Standard Restructure – Q4FY16
Rs Crs
2,313
2,170
2,068
195
313
2,236
306
186
UDAY Scheme
to Benefit
Government’s
Uday Scheme
targeted towards
power Discoms
will immensely
benefit SIB
1,392
443
1,882
1,975
2,000
23%
35%
1,930
949
42%
Mar-15 Jun-15
Sep-15 Dec-15 Mar-16
Restructured NPA
Benefits of Uday
getting reflected
in Restructured
Book
Power Discoms
Construction EPC
Others
Restructured Standard Advance
*Other includes IT, Bullion, etc.
36
Restructured Standard Asset Book
Rs Crs
Restructured Standard Advance
Opening
Increase in
Existing Balance
Uday – SDL
Investments
Slippages to NPA
Closing Balance
+884
0
-670
0
+214
+644
+6
-
-249
+401
Others
+402
+16
-
-84
+334
Total
+1,930
+22
-670
-333
+949
DISCOMS
Construction EPC
Rs. 214 Crs of DISCOM Exposure may be restructured under Uday Scheme
37
Movement in Restructured Accounts
Movement in Restructured Accounts
Rs Crs
0
34
0
Shift of focus from
Large Corporate
to
SMEs
751
Defocusing from
Power & Infra Sectors
127
2,236
1,392
Opening
Fresh
Additions
Inc. in Upgradation Closure
Balance to Standard including
write off
Dec. in
Balance
Closing
Special Recovery Cell
&
Asset Monitoring Cell
38
Adequate Provisioning
NPA Provisioning
Rs Crs
Provisioning
199.9
Coverage Ratio
214.0
368.8
40.34%
354.6
Advances in the Initial
quarters as NPAs :
Requiring
Less Provisioning
Opening
Additions
Deductions
Closing
39
Fresh Slippages/Advance Ratios
Retail Slippage
Agriculture Slippage
0.86%
0.26%
0.12%
Mar-15
0.19%
Jun-15
0.12%
0.15%
Sept-15
Dec-15
0.21%
0.23%
0.02%
Mar-16
Mar-15
SME Slippage
Jun-15
Sept-15
Dec-15
Mar-16
Corporate Slippage
0.61%
0.55%
4.42%
0.44%
0.43%
0.27%
Mar-15
0.23%
Jun-15
Sept-15
Dec-15
Mar-16
0.59%
0.60%
Mar-15
Jun-15
0.95%
1.80%
Sept-15
Dec-15
Mar-16
40
Well Capitalized to support Growth
BASEL III
In %
12.1
1.6
10.5
Mar-15
11.9
11.7
1.4
2.3
2.3
10.0
9.6
9.4
9.8
Jun-15
Sep-15
Dec-15
Mar-16
11.4
11.8
2.0
41
Key Performance Highlights- Q4 FY16
Rs Crs
Q4 - FY 16
Q4 - FY 15
YOY
Net Interest Income
374.29
347.09
7.84%
Other Income
139.06
121.94
14.04%
Profit After Tax
72.97
16.32
347.12%
Advances
41,785
37,978
10.02%
Deposits
55,721
51,912
7.34%
GNPA
3.77
1.71
120.31%
NNPA
2.89
0.96
200.67%
NIM
2.73
2.70
3bps
CASA
22.36%
20.59%
177bps
42
Balance Sheet Overview- Q4 FY16
Rs Crs
Q4-FY 16
Q4-FY 15
Y-o-Y (%)
Q3-FY 16
Q-o-Q (%)
63,175
59,116
6.95%
60,269
4.91%
135
135
0.01%
135
0.01%
Reserves and Surplus
3,707
3,454
7.30%
3,715
-0.22%
Deposits
55,721
51,912
7.34%
53,441
4.27%
Borrowings
2,315
2,232
5.99%
1,665
42.10%
Other Liabilities & Provisions
1,297
1,382
-6.10%
1,312
-1.12%
Assets
63,175
59,116
6.95%
60,269
4.91%
Cash & Balances with RBI
2,476
2,442
1.42%
2,367
4.61%
623
1,154
-41.53%
249
171.29%
Investments
14,619
14,086
3.78%
13,259
10.26%
Advances
41,086
37,392
9.88%
39,909
2.95%
Fixed Assets
487
479
1.66%
485
0.32%
Other Assets
3,884
3,564
8.96%
4,000
-2.90%
Business (Advances + Deposits)
96,806
89,304
8.40%
93,350
3.70%
Current Accounts
1,983
1,818
9.09%
2,130
-6.90%
Savings Accounts
10,476
8,868
18.12%
10,177
2.94%
CASA Ratio
22.36%
20.59%
177 bps
23.03%
(67 bps)
Capital & Liabilities
Capital
Balances with Banks
43
Profit & Loss Overview- Q4 FY16
Rs Crs
Q4-FY 16
Q4-FY 15
Y-o-Y (%)
Q3-FY16
Q-o-Q (%)
Net Interest Income
374.29
347.09
7.84%
406.72
-7.97%
Other Income
139.06
121.94
14.04%
153.32
-9.30%
Total Income
513.35
469.03
9.45%
560.04
-8.34%
Operating Expenses
291.05
304.05
-4.27%
296.97
-1.99%
Operating Profit
222.30
164.98
34.74%
263.07
-15.50%
Provisions (Ex-Tax) &
Contingencies
116.25
137.74
-15.60%
106.39
9.27%
Profit Before Tax
106.05
27.24
289.35%
156.68
-32.32%
Provision for Tax
33.08
10.91
203.21%
55.05
-39.91%
Exceptional Items
-
-
-
-
-
72.97
16.33
346.92%
101.63
-28.21%
Profit After Tax
44
Key Metrics- Quarterly
Particulars
FY15
FY16
Q1
Q2
Q3
Q4
Q1
Q2
Q3
Q4
Net Interest Margin (NIM)
2.7%
2.9%
2.5%
2.7%
2.5%
2.8%
2.9%
2.6%
CRAR Basel III
12.2%
12.1%
11.4%
12.1%
11.4%
11.9%
11.7%
11.8%
RoAA (Annualized)
0.5%
0.6%
0.6%
0.1%
0.5%
0.6%
0.7%
0.5%
Provision Coverage
62.5%
62.9%
60.4%
61.0%
56.1%
55.3%
50.3%
40.3%
CASA
22.1%
22.1%
21.5%
20.6%
22.3%
22.8%
23.0%
22.4%
Gross NPA
1.5%
1.6%
1.8%
1.7%
1.9%
2.2%
2.8%
3.8%
Net NPA
0.9%
0.9%
1.0%
1.0%
1.2%
1.4%
1.8%
2.9%
Book Value per Share (Rs.)
25.88
26.47
27.10
26.59
27.07
27.76
28.51
28.45
Earnings per Share (Rs.) (Annualized)
3.78
3.01
2.87
2.28
1.93
2.34
2.56
2.47
- Kerala
439
440
441
444
447
447
447
449
- South India (Ex-Kerala)
230
232
233
239
242
244
244
245
- Rest of India
132
133
136
139
139
140
140
140
Total Branches
801
805
810
822
828
831
831
834
- Kerala
565
587
607
651
670
682
688
698
- South India (Ex-Kerala)
297
313
325
365
378
380
384
387
- Rest of India
156
163
176
184
196
198
200
202
1,018
1,063
1,108
1,200
1,244
1,260
1,272
1,287
Branches
ATMs
Total ATMs
45
Next Generation Bank
46
Present across Customer Touch Points
Traditional & Alternate Channels
Mobile Banking
ATMs
Mobile Banking
Branches
1,287 ATMs across India
Internet Banking
834 Branches & 42 Extension Counters
Point of Sale
47
Technology Initiatives
SIB Mirror is a mobile-led platform with instant account
access, balance retrieval, immediate fund transfers, all
account intimations, and much more
SIB-er Net is a suite of comprehensive internet banking
services positioning SIB as a technology-driven bank
offering superior services to retail customers
Retail branches now interconnected with single-window
service and providing real-time online, real-time
transactions to customers
SIB offers Visa, MasterCard, and RuPay debit cards with
online access to users for secure domestic and
international transactions
Centralized Processing Center allows enhanced risk
management and customer creation with complete KYC
compliance and fraud prevention tools
48
Personal Banking: Technology Banking
Active Internet Users
Internet Transaction Volume
(000)’s
138
Mar-15
(000)’s
Jun-15
133
Sep-15
Dec-15
134
556
Mar- Jun-15 Sep-15 Dec-15 Mar15
16
Mobile Transaction Value
670
437
1,887
591
536
Mar-16 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16
(000)’s
2,385 2,515
2,356
1,887
Mobile Transaction Volume
Rs Crs
170
507
124
104
342
74
265
Mar-15
Rs Crs
1,254
866
162
135
Internet Transaction Value
50
Jun-15
Sep-15
Dec-15
Mar-16
Mar-15
Jun-15
Sep-15
Dec-15
Mar-16
49
Personal Banking: Debit Cards
No. of Active Debit Cards
Debit Card Transaction Volumes
In Millions
2.7
Mar-15
2.5
2.8
Jun-15
Sep-15
3.0
Dec-15
In Millions
26.8
26.2
3.3
Mar-15
Mar-16
Jun-15
29.2
28.9
30.4
Sep-15
Dec-15
Mar-16
Debit Card Transaction Value
Rs Crs
5,047
5,164
5,375
4,518
4,806
Mar-15
Jun-15
Sep-15
Dec-15
Mar-16
50
An Inflection Point
51
Way Forward
Expand
Retail
Business
Strengthen
SME Base
•
•
•
•
Focus on retail loan products
Efficient branches for faster processing of loans
Continuous training of work force
Invest in Brand Building
• Cluster based approach in industry hubs
• Sole Banker to SMEs for all banking needs
• Dedicated vertical to penetrate SME banking
Improve
CASA
• Strategy & Road map in place to increase CASA funds
• Centralized processes allowing branches to focus on
garnering low cost funds
Enhance
Asset
Quality
• Granulize loan portfolio to spread out risk
• Cautious approach on large corporate lending
• Special recovery cell for monitoring non performing and
restructured assets
Improve
share of
other
Income
• Focus on increasing banking services for SME, Retail & NRI
clients
• Enhance treasury capabilities & increase bench strength
• Expand PoS & ATM Network
52
Awards & Recognitions
53
Awards & Recognition
SIB wins 'Best Private Sector Bank’ in the ABP News BFSI Awards 2015
SIB wins 'Best IT Team Award‘
Banking Technology Excellence Award
SIB wins Banking Frontiers Inspiring Work
Places Award
54
For further information, please contact:
Company
Investor Relations Advisors
The South Indian Bank Ltd.
CIN – L65191KL1929PLC001017
Mr. C. P. Gireesh, CFO
[email protected]
Strategic Growth Advisors Pvt. Ltd.
CIN - U74140MH2010PTC204285
Ms. Payal Dave / Mr. Shogun Jain
[email protected] / [email protected]
+91 98199 16314 / +91 77383 77756
www.sgapl.net
www.southindianbank.com
55