India
HIGHLIGHTS FY 15 over FY 14
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Net Profit increased by 20.30% from Rs.10,891 crores in FY14 to Rs.13,102 crores in FY15.
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Operating Profit increased by 21.19% from Rs.32,109 crores in FY14 to Rs. 38,913 crores in FY15.
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Total Interest Income by 11.77% from Rs. 1,36,351 crores in FY14 to Rs.1,52,396 crores in FY 15.
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Total Interest Expenses by 11.84% from Rs.87,069 crores in FY14 to Rs. 97,382 crores in FY15.
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Net Interest Income increased by 11.63% from Rs. 49,282 crores in FY14 to Rs.55,014 crores in FY15.
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Non Interest Income increased by 21.69% from Rs. 18,553 crores in FY14 to Rs. 22,577 crores in FY15.
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Operating Income increased by 14.38% from Rs. 67,835 crores in FY14 to Rs. 77,591 crores in FY15.
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Staff Expenses increased by 4.59% from Rs.22,504 crores in FY14 to Rs.23,537 crores in FY15.
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Expenses Ratio has declined by 282 bps from 52.67% in Mar 14 to 49.85% in Mar 15.
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Net Interest Margin for Domestic Operations up by 5 bps from 3.49% in FY14 to 3.54% in FY15.
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Gross NPA Ratio is down by 70 bps from 4.95% in Mar 14 to 4.25% in Mar 15.
PROFITABILITY
Q4FY15 OVER Q4FY14
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Net profit increased from Rs.3,041 crores in Q4FY14 to Rs.3,742 crores in Q4FY15 ( 23.06% YOY growth).
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Operating profit increased from Rs.10,628 crores in Q4FY14 to Rs.12,409 crores in Q4FY15 ( 16.76% YOY growth).
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Total Interest Income increased from Rs. 35,858 crores in Q4FY14 to Rs.40,100 crores in Q4FY15 (11.83%YOY growth).
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Total Interest Expenses increased from Rs.22,955 crores in Q4FY14 to Rs. 25,389 crores in Q4FY15 (10.61%YOY growth).
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Staff Expenses increased from Rs. 5,279 crores in Q4FY14 to Rs.6,567 crores in Q4FY15 (24.39%YOY growth).
DEPOSITS
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Deposits of the Bank increased from Rs.13,94,409 crores in Mar 14 to Rs.15,76,793 crores in Mar 15.( 13.08%.YOY growth)
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Savings Bank Deposits increased from Rs.4,69,262 crores in Mar 14 to Rs. 5,13,905 crores in Mar 15 (9.51% YOY growth) .
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Current Account Deposits increased from Rs.1,10,935 crores in Mar 14 to Rs.1,23,855 crores in Mar 15 (11.65% YOY growth).
ADVANCES
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Gross Advances increased from Rs. 12,45,122 crores in Mar 14 to Rs.13,35,424 crores in Mar 15 (7.25% YOY growth).
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Large Corporate Advances increased from Rs.2,42,719 crores in Mar 14 to Rs.2,71,778 crores in Mar 15 (11.97%. YOY growth).
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Retail Advances increased from Rs.2,37,667 crores in Mar 14 to Rs.2,72,429 crores in Mar 15 (14.63% YOY growth). Home loans increased from Rs.1,40,738 crores in Mar 14 to Rs.1,59,237 crores in Mar 15 (13.14% YOY growth).
ASSET QUALITY:
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Gross NPA (%)
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Net NPA (%)
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PCR(%)
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Mar 14
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4.95
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2.57
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62.86
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Mar 15
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4.25
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2.12
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69.13
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KEY FINANCIAL RATIOS (SBI):
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Return on Equity 11.17% in Mar 15 increased from 10.49% in Mar 14.
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Average Cost of Deposits moved to 6.34% in Mar 15 from 6.27% in Mar 14.
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Average Yield on Advances moved to 10.58% in Mar 15 from 10.47% in Mar 14.
Performance of Associates and Subsidiaries:
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Net Profit of all Associate Banks increased by 15.23% from Rs.2,777 crores in FY 14 to Rs.3,200 crores in FY 15.
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Net Profit of all Non- Banking Subsidiaries increased by 12.70% from Rs.1,361 crores in FY 14 to Rs.1,534 crores in FY 15.
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Net Profit (after minority interest) of SBI Group has increased from Rs 14,174 crores in FY14 to Rs 16,994 crores in FY15 (19.90% YOY growth).
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Return on Equity of SBI Group is up by 68 bps from 10.83% in FY 14 to 11.51% in FY 15.
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SBI Capital Markets Ltd (consolidated) has registered a net profit of Rs.334 crores in FY 15 up from Rs.262 crores in FY14 (27.32%YOY growth).
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