State Bank Of India benchmarking: Perfomance to industry peers

Financial

	SBI	HDFC Bank	ICICI Bank
Operational Metrics
Asset Management
% of AUM in equity fund	37.59 %	n/a	n/a
AUM - Mutual Funds	1276327.08 Crs	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	24.92 %	n/a	n/a
Banks
Net Interest Margin	2.93 %	3.35 %	4.3 %
Yield On Advances	8.68 %	7.8 %	9.08 %
Credit Deposit Ratio	78.82 %	98.65 %	91.69 %
Cost To Income Ratio	49.28 %	39.2 %	40.8 %
CASA Ratio	39.63 %	33.6 %	39.0 %
CASA vs Liabilities	29.21 %	23.5 %	23.98 %
Fresh Slippages - Quarterly	4754.0 Crs	8600.0 Crs	5356.0 Crs
Capital to Risks Assets Ratio (CRAR)	14.62 %	19.9 %	15.59 %
Tier 2 Capital	1.95 %	2.1 %	0.88 %
Tier I Capital	12.67 %	17.8 %	14.71 %
Gross NPA	1.73 %	1.24 %	1.53 %
Net NPA	0.42 %	0.42 %	0.37 %
General Insurance
Risk Retention Ratio	58.28 %	n/a	n/a
Combined Ratio	107.01 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	1259.22 Crs	1283.41 Crs	n/a
Float	9514.75 Crs	n/a	n/a
Yield On Total Investments - General Insurance	6.04 %	7.6 %	n/a
NBFC
Cost of Borrowing	5.13 %	4.5 %	4.67 %
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	1.67	2.53	2.77
P/E	11.75	19.15	18.27
Shareholdings
Promoter Holding	55.51 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.99 %	-25.6 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.56 %	8.29 %	3.39 %

Business

	SBI	HDFC Bank	ICICI Bank
Loan Break-Up	Loan Break-Up Home loans 23.52 Consumer Finance 15.61 Others 14.55 Services 14.05 Agricultural Loan 9.83 Power 5.96 Auto loans 3.44 Roads & Bridge 2.77 Petrochemicals 1.92 Iron & Steel 1.86 Commercial Real Estate 1.76 Engineering 1.14 Infrastructure 1.12 Textiles 1.04 Telecom 0.56 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 0.87	Loan Break-Up Consumer Finance 0 Vehicle loans 0 Services 28.88 Telecom 0 Roads & Bridge 0 Agricultural 8.19 Credit cards 0 Others 0 Corporate-Domestic 0 Auto loans 0 Mortgage loans 0 Advances to industries 21.6 Business banking 0 Engineering 0 Home loans 0 Iron & Steel 0 Textiles 0 Personal Loan 41.33 SME-Domestic 0 Petrochemicals 0 Overseas book 0 Commercial Real Estate 0 Power 0 Rural loans 0 Infrastructure 0 Agricultural Loan 0	Loan Break-Up Consumer Finance 0 Auto loans 6.6 Services 0 Telecom 0 Roads & Bridge 0 Agriculture and allied activities 0 Credit Cards 3.7 Others 0 Corporate-Domestic 20.1 Auto loans 0 Loan Against Property 32.3 Advances to industries eligible 0 Business Banking 20.7 Engineering 0 Home loans 0 Iron & Steel 0 Textiles 0 Personal Loan 8.4 SME-Domestic 0 Petrochemicals 0 Overseas 2.4 Commercial Real Estate 0 Power 0 Rural Finance 5.7 Infrastructure 0 Agricultural Loan 0 Others 0.1
Segment Break-Up	Segment Break-Up Consumer Finance 36.36 Corporate Banking 21.03 Treasury Operations 18.83 Insurance 18.67 Insurance Business 0 Wholesale banking 0 Retail banking 0 General insurance 0 Life insurance 0 Others 5.11	Segment Break-Up General insurance 0 Life insurance 0 Corporate Banking 0 Treasury Operations 0 Insurance 0 Consumer Finance 41.55 Consumer Finance 0 Corporate Banking 23.28 Insurance Business 17.25 Others 17.92	Segment Break-Up General Insurance 5.86 Life Insurance Business 12.31 Corporate Banking 0 Treasury Operations 0 Insurance 0 Consumer Finance 32.3 Consumer Finance 0 Corporate Banking 17.65 Insurance Business 0 Others 31.88
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 49.98 Corporate Banking 30.1 Treasury Operations 16.73 Insurance 3.18 Wholesale Banking 0 Others 0.01	Operating Profit Break-Up Wholesale Banking 39.68 Corporate Banking 0 Treasury Operations 0 Insurance 0 Consumer Finance 0 Others 60.32	-
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 Deposits 0 Commercial paper 0 Upper and lower Tier II capital and innovative perpetual debts 4.87 Borrowings outside India 20.39 Unsecured redeemable debentures/bonds 0 Bonds & Debentures 43.46 Capital Markets 0 0 Bonds and notes 0 Borrowings and Refinance outside India 0 Other Institutions & Agencies 18.11 Outside India 0 Banking 12.17 Capital instruments 0 Reserve Bank of India 1.0	Borrowings Break-Up Deposits 2.04 Commercial Papers 10.34 0 Borrowings outside India 0 UNSECURED REDEEMABLE BONDS 2.56 0 Capital Markets 0 Bonds & Debentures 23.5 Bonds 5.27 Borrowings and Refinance outside India 0 Financial Institutions 0 Outside India 19.63 Banks 0 Capital instruments 0 Reserve Bank of India 4.92 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 39.6 SME 23.54 Corporate 19.86 Pre-Segment 15.34 Personal Loans 0 Services 0 0 Agriculture and allied activities 0 Others 1.66	-	NPA Break-Up Services 18.45 Agricultural 0 SME 0 Personal Loan 30.2 Priority Sector 32.79 Corporate 0 Pre-Segment 0 Agricultural 18.56
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 33.63 Non Priority Sector 0 Priority sector 0 Non Priority Sector 66.37 Non-priority sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority 0 Non Priority Sector 0 Priority Sector 34.43 Non-Priority 0 Non Priority Sector 65.57 Priority Sector 0
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 38.2 ETF 28.53 Debt 10.97 Liquid/ Money Market 10.83 Balanced schemes 9.62 Others 1.85	-	AUM Break-Up - Asset Management ETF 11.11 Equity 55.03 Debt 14.99 Balanced schemes 4.36 Liquid/ Money Market 8.54 Others 5.97
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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