State Bank Of India benchmarking: Performance to industry peers

Financial

	SBI	HDFC Bank	ICICI Bank
Operational Metrics
Asset Management
% of AUM in equity fund	37.23 %	n/a	n/a
AUM - Mutual Funds	1264645.59 Crs	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	19.49 %	n/a	n/a
Banks
Net Interest Margin	2.91 %	3.38 %	4.32 %
Yield On Advances	8.5 %	7.8 %	8.87 %
Credit Deposit Ratio	82.38 %	94.59 %	85.5 %
Cost To Income Ratio	55.09 %	39.9 %	39.9 %
CASA Ratio	39.46 %	34.1 %	38.6 %
CASA vs Liabilities	28.66 %	24.26 %	24.24 %
Fresh Slippages - Quarterly	5521.0 Crs	6200.0 Crs	4242.0 Crs
Capital to Risks Assets Ratio (CRAR)	15.4 %	19.7 %	17.18 %
Tier 2 Capital	2.07 %	2.4 %	0.83 %
Tier I Capital	13.33 %	17.3 %	16.35 %
Gross NPA	1.49 %	1.15 %	1.4 %
Net NPA	0.39 %	0.38 %	0.33 %
General Insurance
Risk Retention Ratio	63.85 %	n/a	n/a
Combined Ratio	114.73 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	1688.73 Crs	1566.16 Crs	n/a
Float	9180.42 Crs	n/a	n/a
Yield On Total Investments - General Insurance	5.92 %	7.6 %	n/a
NBFC
Cost of Borrowing	5.04 %	4.4 %	4.53 %
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	1.47	2.0	2.46
P/E	10.51	15.45	17.8
Shareholdings
Promoter Holding	55.52 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.97 %	-25.59 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.24 %	11.07 %	-1.52 %

Business

	SBI	HDFC Bank	ICICI Bank
Loan Break-Up	Loan Break-Up Home loans 22.78 Consumer Finance 15.48 Others 15.4 Services 14.61 Agricultural Loan 9.83 Power 5.75 Auto loans 3.43 Roads & Bridge 2.45 Petrochemicals 2.02 Iron & Steel 1.77 Commercial Real Estate 1.75 Engineering 1.2 Infrastructure 1.06 Textiles 1.04 Telecom 0.6 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 0.83	Loan Break-Up Overseas book 0 Others 0 Iron & Steel 0 Petrochemicals 0 Rural loans 0 Advances to industries 21.6 Commercial Real Estate 0 Textiles 0 Infrastructure 0 Telecom 0 Vehicle loans 0 Services 28.88 Roads & Bridge 0 Engineering 0 Auto loans 0 SME-Domestic 0 Power 0 Home loans 0 Personal Loan 41.33 Agricultural 8.19 Mortgage loans 0 Credit cards 0 Agricultural Loan 0 Consumer Finance 0 Corporate-Domestic 0 Business banking 0	Loan Break-Up Overseas 2.7 Others 0 Iron & Steel 0 Petrochemicals 0 Rural Finance 6.3 Advances to industries eligible 0 Commercial Real Estate 0 Textiles 0 Infrastructure 0 Telecom 0 Auto loans 6.5 Services 0 Roads & Bridge 0 Engineering 0 Auto loans 0 SME-Domestic 0 Power 0 Home loans 0 Personal Loan 8.3 Agriculture and allied activities 0 Loan Against Property 31.09 Credit Cards 3.5 Agricultural Loan 0 Consumer Finance 0 Corporate-Domestic 19.06 Business Banking 21.1 Others 1.45
Segment Break-Up	Segment Break-Up Consumer Finance 36.06 Insurance 20.6 Corporate Banking 19.49 Treasury Operations 17.52 Insurance Business 0 Wholesale banking 0 Retail banking 0 General insurance 0 Life insurance 0 Others 6.33	Segment Break-Up Corporate Banking 25.79 General insurance 0 Insurance Business 12.7 Treasury Operations 0 Consumer Finance 0 Insurance 0 Consumer Finance 43.19 Corporate Banking 0 Life insurance 0 Others 18.32	Segment Break-Up Corporate Banking 17.16 General Insurance 5.45 Insurance Business 0 Treasury Operations 0 Consumer Finance 0 Insurance 0 Consumer Finance 30.14 Corporate Banking 0 Life Insurance Business 16.71 Others 30.54
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 52.14 Corporate Banking 31.77 Treasury Operations 13.5 Insurance 2.59 Wholesale Banking 0	Operating Profit Break-Up Treasury Operations 0 Consumer Finance 0 Insurance 0 Wholesale Banking 41.59 Corporate Banking 0 Others 58.41	-
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 Borrowings and Refinance outside India 0 Reserve Bank of India 1.0 Other Institutions & Agencies 18.11 Commercial paper 0 Capital Markets 0 Deposits 0 Upper and lower Tier II capital and innovative perpetual debts 4.87 Bonds and notes 0 Bonds & Debentures 43.46 Banking 12.17 Borrowings outside India 20.39 0 Capital instruments 0 Unsecured redeemable debentures/bonds 0	Borrowings Break-Up Outside India 19.63 Borrowings and Refinance outside India 0 Reserve Bank of India 4.92 Financial Institutions 0 Commercial Papers 10.34 Capital Markets 0 Deposits 2.04 0 Bonds 5.27 0 Banks 0 Borrowings outside India 0 Bonds & Debentures 23.5 Capital instruments 0 UNSECURED REDEEMABLE BONDS 2.56 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 40.71 SME 24.55 Corporate 18.0 Pre-Segment 15.3 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 1.44	-	NPA Break-Up Personal Loan 30.2 Services 18.45 Agricultural 0 Agricultural 18.56 Corporate 0 SME 0 Pre-Segment 0 Priority Sector 32.79
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 0 Priority Sector 33.63 Priority sector 0 Non Priority Sector 66.37 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non Priority Sector 65.57 Priority 0 Priority Sector 34.43 Non-Priority 0 Non Priority Sector 0
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 38.09 ETF 29.73 Debt 10.61 Liquid/ Money Market 10.19 Balanced schemes 9.69 Others 1.69	-	AUM Break-Up - Asset Management ETF 12.72 Liquid/ Money Market 9.18 Equity 57.53 Debt 14.8 Balanced schemes 4.6 Others 1.17
Asset Break-Up	Asset Break-Up India 88.13 Others 11.87	Asset Break-Up India 97.89 Others 2.11	-

State Bank Of India

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