State Bank Of India benchmarking: Perfomance to industry peers

Financial

	SBI	HDFC Bank	ICICI Bank
Operational Metrics
Asset Management Sector
% of AUM in equity fund	37.96 %	n/a	54.82 %
AUM - Mutual Funds	1198487.92 Crs	n/a	1054624.94 Crs
5 Yr AUM CAGR - Mutual Funds	24.92 %	n/a	22.55 %
Banking Sector
Net Interest Margin	2.9 %	3.35 %	4.34 %
Yield On Advances	8.78 %	8.1 %	9.53 %
Credit Deposit Ratio	77.47 %	95.09 %	88.08 %
Cost To Income Ratio	47.71 %	39.6 %	37.8 %
CASA Ratio	39.36 %	33.9 %	38.7 %
CASA vs Liabilities	29.26 %	23.7 %	23.8 %
Fresh Slippages - Quarterly	7945.0 Crs	9000.0 Crs	6245.0 Crs
Capital to Risks Assets Ratio (CRAR)	14.63 %	19.9 %	16.31 %
Tier 2 Capital	2.18 %	2.1 %	0.66 %
Tier I Capital	12.45 %	17.8 %	15.65 %
Gross NPA	1.83 %	1.4 %	1.67 %
Net NPA	0.47 %	0.47 %	0.41 %
General Insurance Sector
Risk Retention Ratio	65.91 %	n/a	n/a
Combined Ratio	111.17 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	1349.22 Crs	1216.2 Crs	n/a
Float	8824.04 Crs	n/a	n/a
Yield On Total Investments - General Insurance	6.64 %	6.8 %	n/a
NBFC
Cost of Borrowing	5.21 %	4.8 %	5.02 %
Financials
5 yr Average ROE	15.96 %	16.64 %	17.37 %
5yr average Equity Multiplier	16.59	8.63	9.28
5yr Average Asset Turnover Ratio	0.08	0.09	0.1
5yr Avg Net Profit Margin	9.85 %	19.26 %	16.34 %
5yr Avg Net Profit Margin	9.85 %	19.26 %	16.34 %
5yr CAGR Net Profit	28.19 %	17.33 %	22.65 %
5yr CAGR Sales	11.48 %	24.75 %	12.82 %
5 yr CAGR PPOP	9.78 %	12.37 %	12.97 %
Price to Book	1.52	2.76	3.08
P/E	9.93	21.25	19.21
Shareholdings
Promoter Holding	57.42 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.15 %	-25.73 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-0.16 %	7.58 %	0.43 %

Business

	SBI	HDFC Bank	ICICI Bank
Loan Break-Up	Loan Break-Up Home loans 23.51 Consumer Finance 15.52 Others 14.9 Services 13.81 Agricultural Loan 9.62 Power 5.68 Auto loans 3.51 Roads & Bridge 2.84 Petrochemicals 1.93 Commercial Real Estate 1.93 Iron & Steel 1.81 Infrastructure 1.16 Textiles 1.09 Engineering 1.06 Telecom 0.69 Personal loans 0 Advances to industries eligible 0 Agriculture and allied activities 0 Credit cards 0 Rural loans 0 Business banking 0 Vehicle loans 0 Mortgage loans 0 Overseas book 0 Corporate-Domestic 0 SME-Domestic 0 Others 0.94	Loan Break-Up Vehicle loans 0 Personal Loan 41.33 SME-Domestic 0 Advances to industries 21.6 Auto loans 0 Business banking 0 Textiles 0 Iron & Steel 0 Commercial Real Estate 0 Infrastructure 0 Petrochemicals 0 Engineering 0 Corporate-Domestic 0 Mortgage loans 0 Credit cards 0 Rural loans 0 Overseas book 0 Home loans 0 Roads & Bridge 0 Agricultural 8.19 Services 28.88 Others 0 Agricultural Loan 0 Power 0 Consumer Finance 0 Telecom 0	Loan Break-Up Auto loans 7.0 Personal Loan 8.7 SME-Domestic 0 Advances to industries eligible 0 Auto loans 0 Business Banking 19.8 Textiles 0 Iron & Steel 0 Commercial Real Estate 0 Infrastructure 0 Petrochemicals 0 Engineering 0 Corporate-Domestic 20.0 Loan Against Property 32.5 Credit Cards 3.9 Rural Finance 5.6 Overseas 2.4 Home loans 0 Roads & Bridge 0 Agriculture and allied activities 0 Services 0 Others 0 Agricultural Loan 0 Power 0 Consumer Finance 0 Telecom 0 Others 0.1
Segment Break-Up	Segment Break-Up Consumer Finance 37.35 Treasury Operations 21.36 Corporate Banking 21.33 Insurance 14.82 Insurance Business 0 Wholesale banking 0 Retail banking 0 General insurance 0 Life insurance 0 Others 5.14	Segment Break-Up Insurance 0 Consumer Finance 39.41 Treasury Operations 0 General insurance 0 Corporate Banking 0 Consumer Finance 0 Life insurance 0 Corporate Banking 23.47 Insurance Business 16.57 Others 20.55	Segment Break-Up Insurance 0 Consumer Finance 32.31 Treasury Operations 0 General Insurance 5.51 Corporate Banking 0 Consumer Finance 0 Life Insurance Business 9.64 Corporate Banking 17.13 Insurance Business 0 Others 35.41
Location Wise Break-Up	Location Wise Break-Up India 92.62 Rest of the World 7.34 Others 0.04	Location Wise Break-Up Rest of the World 1.06 India 98.94	Location Wise Break-Up Rest of the World 2.63 India 97.37
Operating Profit Break-Up	Operating Profit Break-Up Consumer Finance 53.98 Treasury Operations 24.67 Corporate Banking 18.31 Insurance 3.04 Wholesale Banking 0	Operating Profit Break-Up Insurance 0 Treasury Operations 0 Corporate Banking 0 Consumer Finance 0 Wholesale Banking 19.14 Others 80.86	-
Borrowings Break-Up	Borrowings Break-Up Borrowings and Refinance outside India 66.49 Capital Markets 17.72 Reserve Bank of India 3.42 Financial Institutions 0 Banks 0 Borrowings outside India 0 0 0 Outside India 0 Bonds and notes 0 Unsecured redeemable debentures/bonds 0 Capital instruments 0 0 Commercial paper 0 Deposits 0 Others 12.37	Borrowings Break-Up Outside India 0 Other Institutions & Agencies 18.11 Reserve Bank of India 1.0 Deposits 0 Borrowings and Refinance outside India 0 Capital instruments 0 Commercial paper 0 Banking 12.17 0 Bonds and notes 0 Upper and lower Tier II capital and innovative perpetual debts 4.87 Capital Markets 0 Borrowings outside India 20.39 Unsecured redeemable debentures/bonds 0 Bonds & Debentures 43.46	Borrowings Break-Up Outside India 19.63 Financial Institutions 0 Reserve Bank of India 4.92 Deposits 2.04 Borrowings and Refinance outside India 0 Capital instruments 0 Commercial Papers 10.34 Banks 0 Bonds & Debentures 23.5 Bonds 5.27 0 Capital Markets 0 Borrowings outside India 0 UNSECURED REDEEMABLE BONDS 2.56 0 Others 31.74
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 44.21 Health Insurance 37.51 PERSONAL ACCIDENT 8.89 Fire Equipment 3.16 Weather & Crop Insurance 2.73 Others 1.05 Others 2.45	-	-
NPA Break-Up	NPA Break-Up Agricultural 38.82 SME 22.27 Corporate 21.98 Pre-Segment 15.36 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 1.57	-	NPA Break-Up Pre-Segment 0 Personal Loan 30.2 Corporate 0 Priority Sector 32.79 Agricultural 18.56 SME 0 Services 18.45 Agricultural 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 77.86 Priority Sector 22.14 Non-Priority 0 Priority 0 Non-priority sector 0 Priority sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 66.37 Non-priority sector 0 Priority sector 0 Non Priority Sector 0 Priority Sector 33.63	Priority vs Non-Priority Sector Priority Sector 0 Non-Priority 0 Non Priority Sector 65.57 Priority Sector 34.43 Non Priority Sector 0 Priority 0
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 37.88 ETF 28.89 Debt 10.91 Liquid/ Money Market 10.8 Balanced schemes 9.57 Others 1.95	-	AUM Break-Up - Asset Management Equity 57.43 ETF 10.64 Balanced schemes 4.57 Debt 16.45 Liquid/ Money Market 9.82 Others 1.09
Asset Break-Up	Asset Break-Up India 88.13 Others 11.87	Asset Break-Up India 97.89 Others 2.11	-

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