Beach
picture
photo
STATE BANK OF TRAVANCORE
HEAD 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 crore
 30 percent by the then Government of Travancore
 Became a Scheduled Commercial Bank in 1946
 In 1960, became a subsidiary of the State Bank of
India
 Renamed State Bank of Travancore
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ORGANISATIONAL STRUCTURE
 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
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Bank at a Glance
As on Sept 2013
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Performance Highlights – Sept 2013
Operating
Net
Profit Rs. 241 crore
Book
value Per Share Rs. 868.42
 Earning
Net
profit : Rs. 729 crore
[Rs 10 face value]
Per Share Rs. 96.40 [Annualised]
Interest income Rs. 1182 crore – Up by
Rs.153 crore (YoY)
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BUSINESS HIGHLIGHTS– Sept 2013
Advances Growth (YoY%)
Advances (ASCB market share)
Deposits Growth (YoY%)
Deposits (ASCB market share)
Sept 12
Sept 13
21
17
1.19
1.21
21
21
1.16
1.27
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Highlights – Profitability Parameters
Sept 12
Net Interest Income
Sept 13
YOY(In%%)
1029
1182
15
272
398
46
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
Other Income
Operating Income
8
Efficiency Parameters
(In %)
Efficiency Parameters
Net Interest Margin
Cost to Income Ratio
CAR (BASEL III)
EPS (Annualised)
CoD
YoA
RoA
RoE
PCR
Sept 12
2.54
Sept 13
2.44
50.69
53.83
NA
126.82
7.55
11.11
0.73
16.28
60.02
10.13
96.40
7.38
10.76
0.46
11.33
57.31
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PERFORMANCE COMPARISION - JUNE 2013
Parameters
SBT
All Banks
Peer
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
3.09
1.74
4.00
2.13
3.54
2.00
6.87
11.87
--
76.23
75.42
75.51
3.16
3.12
4.37
0.18
0.26
0.18
9.66
13.34
10.32
% Growth in Total Deposits
Gross NPA %
Net NPA %
Gross NPA + Std Restructured A/cs Ratio
Credit Deposit Ratio
Return on Equity %
Return on Total Assets %
Non Interest Income to Total income %
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Shareholding Pattern - Sept 2013
0.05
0.01
2.27
0.03
Body corporate(2.27)
13.46
SFC(0.03)
1.03
0.17
SBI(75)
2.93
0.9
FOREIGN INSTITUTION(3.10)
1.05
GOVERNOR OF KERALA(1.05)
3.1
INSURANCE CO(0.90)
BANKS(0.17)
MUTUAL FUND(1.03)
NRI(2.93)
RESIDENT INDIAN(13.46)
75.00
CLEARING MEMBER(0.05)
FINANCIAL INSTITUTIONS(0.01)
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Dividend History
250
DIVIDEND %
200
200
180
180
160
150
100
130
100
100
100
75
50
0
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SHARE PRICE MOVEMENT
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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Market Share & CD Ratio
DEPOSITS
ADVANCES
1.28
1.22
1.16
1.18
1.24
1.25
1.27
1.27
1.16
1.18
1.19
1.24
1.21
1.19
1.16
1.10
Mar 11 Mar 12
Jun12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13
Mar 11 Mar 12
Jun12 Sep 12 Dec 12 Mar 13 Jun 13 Sep 13
CD RATIO
79.24
75.67
Mar 11
80.8
77.75
76.97
Mar 12
76.58
76.42
Jun12
80.01
77.32
76.37
77.61
77.95
75.14
Sep 12
Dec 12
78.27
Mar 13
ASCB
SBT
75.64
74.62
Jun 13
Sep 13
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Advances - Exposure across Segments
Rs.58667 Crores
Rs. 68389 Crores
Rs. 68552 Crores
%
C&I
PER
AGRI
SME
Sep-12
48.71
27.43
16.77
7.09
C&I
PER
AGRI
SME
Mar-13
51.49
26.20
15.10
7.20
C&I
PER
AGRI
SME
51.33
26.96
14.37
7.33
Sep-13
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Major Industry-wise Restructured Assets
(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
Shipping & Transport
Non-ferrous Metals
Engineering
16.30
309.43
49.98
169.25
234.94
260.42
163.34
178.65
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Major sector-wise NPA
(In Rs crores)
Industry
Iron & Steel
Textiles
Infrastructure
Food Processing
Metals
Engineering
Mar 13
Sept 13
167.40
167.75
82.87
46.37
142.05
4.64
10.19
26.04
221.66
33.10
11.21
46.37
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Direct Benefit Transfer
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)
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Expanding Footprint
Sept 12 Mar 13 Sept 13
Branches
ATMs
YoY Incr.
No. of Branches
925
1013
1022
97
No. of ATMs
949
965
1034
85
Hits per day
212
227
225
13
Debit Cards (in lac)
No. of Debit Cards
59.74
66.31
75.96
16.22
Internet Banking
No. of customers
5.06
5.61
6.46
1.40
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
40.87
55.77
60.77
19.90
(in lac)
Mobile Banking
(in lac)
Alternate Channels
No. of transactions
% of total transactions
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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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