Beach picture photo

STATE BANK OF TRAVANCOREHEAD OFFICE

THIRUVANANTHAPURAM

ANALYST MEET AT MUMBAI 06th Nov 2013

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BRIEF HISTORY OF STATE BANK OF TRAVANCORE

Established as The Travancore Bank Ltd. on 12th September 1945

Founder: Maharaja Chithira Thirunal Balarama Varma of the erstwhile princely State of Travancore

Initial paid up capital of Rs one crore30 percent by the then Government of Travancore Became a Scheduled Commercial Bank in 1946 In 1960, became a subsidiary of the State Bank of

IndiaRenamed State Bank of Travancore

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Head Office & Registered Office at Thiruvananthapuram

Central Data Centre at Belapur, Integrated Treasury at BKC Mumbai

3 Network GMs at Thiruvananthapuram, Ernakulam & Chennai

9 Modules and 27 Regional Offices 9 Specialised NRI branches 7 Commercial Branches for Corporate Credit 13 Mid Corporate Branches

ORGANISATIONAL STRUCTURE

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As on Sept 2013

Branches – 1022

ATMs – 1034

Deposits – Rs 91505 crore

Advances – Rs 68552 crore

Total Business – Rs. 160057 crore

Total Assets – Rs 105983 crore

Fulltime Staff – 14209

Bank at a Glance

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Operating profit : Rs. 729 crore

Net Profit Rs. 241 crore

Book value Per Share Rs. 868.42 [Rs 10 face value]

Earning Per Share Rs. 96.40 [Annualised]

Net Interest income Rs. 1182 crore – Up by

Rs.153 crore (YoY)

Performance Highlights – Sept 2013

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BUSINESS HIGHLIGHTS– Sept 2013

Sept 12 Sept 13

Advances Growth (YoY%) 21 17

Advances (ASCB market share) 1.19 1.21

Deposits Growth (YoY%) 21 21

Deposits (ASCB market share) 1.16 1.27

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Highlights – Profitability Parameters

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(In %)Sept 12 Sept 13 YOY %

Net Interest Income 1029 1182 15

Other Income 272 398 46

Operating Income 1301 1580 21

Operating Cost 660 850 29

Operating Profit 641 729 14

Provision (other than tax) 221 433 96

Net Profit 317 241 -24

Efficiency Parameters

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(In %)

Efficiency Parameters Sept 12 Sept 13Net Interest Margin 2.54 2.44

Cost to Income Ratio 50.69 53.83

CAR (BASEL III) NA 10.13

EPS (Annualised) 63.41 96.40CoD 7.55 7.38YoA 11.11 10.76RoA 0.73 0.46RoE 16.28 11.33PCR 60.02 57.31

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PERFORMANCE COMPARISION - JUNE 2013

ParametersSBT All Banks Peer

% Growth in Total Deposits 4.86 1.08 1.29

% Growth in Gross Advances -1.09 -0.32 -1.05

C.R.A.R. (Basel III) 10.48 13.48 11.79

Gross NPA % 3.09 4.00 3.54

Net NPA %1.74 2.13 2.00

Gross NPA + Std Restructured A/cs Ratio6.87 11.87 --

Credit Deposit Ratio 76.23 75.42 74.51

Return on Equity % 4.373.16 3.12

Return on Total Assets % 0.18 0.26 0.18

Non Interest Income to Total income % 9.66 13.34 10.32

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Shareholding Pattern - Sept 2013

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2.27

0.0300000000000003

75

3.1

1.05

0.90.17

1.03

2.93

13.46

0.0500000000000001 0.0100000000000001

Body corporate(2.27)

SFC(0.03)

SBI(75)

FOREIGN INSTITUTION(3.10)

GOVERNOR OF KERALA(1.05)

INSURANCE CO(0.90)

BANKS(0.17)

MUTUAL FUND(1.03)

NRI(2.93)

RESIDENT INDIAN(13.46)

CLEARING MEMBER(0.05)

FINANCIAL INSTITUTIONS(0.01)

31.03.2005

31.03.2006

31.03.2007

31.03.2008

31.03.2009

31.03.2010

31.03.2011

31.03.2012

31.03.20130

50

100

150

200

250

75100 100 100

130

160180 180

200DIVIDEND %

Dividend History

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SHARE PRICE MOVEMENT

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HIGH DATE LOW DATE

(In Rupees)

July-13  512.00  01.07.13 444.60  31.07.13

Aug-13  469.95  01.08.13 405.10  28.08.13

Sept-13  478.80  19.09.13 401.55  04.09.13

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DEPOSITS

CD RATIO(as per last Friday of the Quarter)

Market Share & CD RatioMarket Share & CD Ratio

Mar 11 Mar 12 Jun12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13

1.10

1.15999999999

998

1.18000000000

001

1.15999999999

998

1.221.24 1.25

1.27

Mar 11 Mar 12 Jun12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13

1.159999999999

98

1.180000000000

01

1.190000000000

01

1.190000000000

01

1.281.27

1.24

1.21

ADVANCES

79.2477.75

76.58 77.32

80.8 80.01

75.64 74.6275.67

76.97 76.4275.14

77.61 77.9576.37

78.27

SBT

ASCB

Mar 11 Mar 12 Jun12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13

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SME SME SMEAGRI AGRI AGRIPER

PER PER

C&IC&I C&I

Rs.58667 Crores Rs. 68389 Crores Rs. 68552 Crores

Advances - Exposure across SegmentsAdvances - Exposure across Segments

Sep-13 Sep-12

7.09

48.71

27.43

16.77

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Mar-13

7.20

15.10

26.20

51.49

7.33

14.37

26.96

51.33

%

Major Industry-wise Restructured Assets

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(In Rs crores)

Industry Mar 13 Sept 13

Iron & Steel 409.39 688.78

Textiles 229.38 483.04

Infrastructure 529.62 572.05

Pharma 16.30 234.94

Shipping & Transport 309.43 260.42Non-ferrous Metals 49.98 163.34Engineering 169.25 178.65

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Major sector-wise NPA

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(In Rs crores)

Industry Mar 13 Sept 13

Iron & Steel 167.40 167.75

Textiles 82.87 46.37

Infrastructure 142.05 221.66

Food Processing 4.64 33.10Metals 10.19 11.21Engineering 26.04 46.37

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DIRECT BENEFIT TRANSFER (DBT) :

As part of DBT, Wayanad and Pathanamthitta Districts of Kerala were selected for AADHAR LINKING. We have opened 11.99 lac accounts, linked with AADHAR for direct transfer for benefits under LPG and other Govt. Schemes as on 30-09-2013

FINANCIAL INCLUSION (FI):

29 FI villages in Kerala and 6 FI villages in Tamilnadu allotted to our Bank. In Kerala we have opened new branches and in other areas basic banking services provided through Business Correspondents. As part of FI, 23.83 lacs Basic Savings Accounts opened (of which 37658 in FI villages)

Direct Benefit Transfer

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Expanding FootprintExpanding Footprint

No. of Branches 925 1013 1022 97

No. of ATMs 949 965 1034 85

Hits per day 212 227 225 13

No. of Debit Cards 59.74 66.31 75.96 16.22

No. of customers 5.06 5.61 6.46 1.40

No. of transactions 32.41 68.12 49.45 17.03

Registered mobile users 1.04 1.45 1.53 0.49

No. of transactions 2.11 4.60 3.10 0.99

% of total transactions

40.87 55.77 60.77 19.90

Branches

ATMs

Debit Cards (in lac)

Internet Banking (in lac)

Mobile Banking (in lac)

Alternate Channels

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Sept 12 Mar 13 Sept 13 YoY Incr.

CORPORATE SOCIAL RESPONSIBILITY • Social Circle is a “Unique activity of SBT”• Ambulance Van donated to Deena Daya Seva Trust, Thodupuzha at a

cost of Rs.7 lac• Rs.11.65 lac distributed among 400 cancer patients of Regional Cancer

Centre, Thiruvananthapuram. • EEG Machine to Swami Vivekananda Medical Mission, Attappady• Distributed water purifiers to schools through our entire network.• Donated 10 ceiling fans each to deserving schools by all our offices.• Ambulance costing Rs 8.05 lacs to St.John’s Health Service

Pirappancode• Akshaya Noon Meal Programme for school children was assisted by

donating Rs. 3 lacs • Donated Rs.5.40 lacs to Kozhikode Higher Secondary School for

Handicapped to set up audiology lab • Donated Rs.10 lacs to M/s.Santhi Bhavan Trust Hosur for Solar Panel

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