State Bank Of India benchmarking: Perfomance to industry peers

Financial

	SBI	HDFC Bank	ICICI Bank
Operational Metrics
Asset Management
% of AUM in equity fund	37.63 %	n/a	n/a
AUM - Mutual Funds	1246404.39 Crs	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	24.92 %	n/a	n/a
Banks
Net Interest Margin	2.93 %	3.27 %	4.3 %
Yield On Advances	8.68 %	7.8 %	9.29 %
Credit Deposit Ratio	78.82 %	98.02 %	90.66 %
Cost To Income Ratio	49.28 %	39.2 %	40.6 %
CASA Ratio	39.63 %	33.9 %	39.2 %
CASA vs Liabilities	29.21 %	23.73 %	24.02 %
Fresh Slippages - Quarterly	4754.0 Crs	7400.0 Crs	5034.0 Crs
Capital to Risks Assets Ratio (CRAR)	14.62 %	20.0 %	15.76 %
Tier 2 Capital	1.95 %	2.1 %	0.65 %
Tier I Capital	12.67 %	17.9 %	15.11 %
Gross NPA	1.73 %	1.24 %	1.58 %
Net NPA	0.42 %	0.42 %	0.39 %
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)	1174.46 Crs	1232.24 Crs	n/a
Float	9514.75 Crs	n/a	n/a
Yield On Total Investments - General Insurance	6.04 %	6.8 %	n/a
NBFC
Cost of Borrowing	5.13 %	4.6 %	4.78 %
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	1.56	2.8	2.93
P/E	10.96	21.05	18.44
Shareholdings
Promoter Holding	55.5 %	0.0	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.02 %	-25.64 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.93 %	8.02 %	1.97 %

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 Business banking 0 Power 0 Services 28.88 Rural loans 0 Corporate-Domestic 0 Infrastructure 0 Textiles 0 Advances to industries 21.6 SME-Domestic 0 Vehicle loans 0 Engineering 0 Personal Loan 41.33 Mortgage loans 0 Agricultural 8.19 Home loans 0 Consumer Finance 0 Others 0 Iron & Steel 0 Roads & Bridge 0 Auto loans 0 Telecom 0 Agricultural Loan 0 Petrochemicals 0 Overseas book 0 Credit cards 0 Commercial Real Estate 0	Loan Break-Up Business Banking 20.5 Power 0 Services 0 Rural Finance 5.5 Corporate-Domestic 19.6 Infrastructure 0 Textiles 0 Advances to industries eligible 0 SME-Domestic 0 Auto loans 6.9 Engineering 0 Personal Loan 8.6 Loan Against Property 32.5 Agriculture and allied activities 0 Home loans 0 Consumer Finance 0 Others 0 Iron & Steel 0 Roads & Bridge 0 Auto loans 0 Telecom 0 Agricultural Loan 0 Petrochemicals 0 Overseas 2.3 Credit Cards 4.1 Commercial Real Estate 0
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 Insurance Business 13.0 Corporate Banking 0 Insurance 0 Treasury Operations 0 General insurance 0 Consumer Finance 0 Corporate Banking 24.13 Life insurance 0 Consumer Finance 43.1 Others 19.77	Segment Break-Up Insurance Business 0 Corporate Banking 0 Insurance 0 Treasury Operations 0 General Insurance 5.83 Consumer Finance 0 Corporate Banking 16.9 Life Insurance Business 12.35 Consumer Finance 32.62 Others 32.3
Location Wise Break-Up	Location Wise Break-Up India 92.62 Rest of the World 7.34 Others 0.04	Location Wise Break-Up India 98.94 Rest of the World 1.06	Location Wise Break-Up India 97.37 Rest of the World 2.63
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 Corporate Banking 0 Insurance 0 Treasury Operations 0 Consumer Finance 0 Wholesale Banking 37.21 Others 62.79	-
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 Reserve Bank of India 1.0 Bonds & Debentures 43.46 Deposits 0 Upper and lower Tier II capital and innovative perpetual debts 4.87 Outside India 0 Banking 12.17 Borrowings and Refinance outside India 0 Capital Markets 0 Bonds and notes 0 Capital instruments 0 Commercial paper 0 0 Other Institutions & Agencies 18.11 Unsecured redeemable debentures/bonds 0 Borrowings outside India 20.39	Borrowings Break-Up Reserve Bank of India 4.92 0 Deposits 2.04 0 Outside India 19.63 Banks 0 Borrowings and Refinance outside India 0 Capital Markets 0 Bonds 5.27 Capital instruments 0 Commercial Papers 10.34 Bonds & Debentures 23.5 Financial Institutions 0 UNSECURED REDEEMABLE BONDS 2.56 Borrowings outside India 0 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 Agricultural 18.56 Corporate 0 Priority Sector 32.79 Personal Loan 30.2 Services 18.45 Agricultural 0 Pre-Segment 0 SME 0
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 66.37 Priority Sector 33.63 Priority sector 0 Non-priority sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 0 Non-Priority 0 Priority 0 Priority Sector 34.43 Non Priority Sector 65.57 Non 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 Balanced schemes 4.58 Debt 15.98 Equity 57.54 ETF 10.75 Liquid/ Money Market 9.93 Others 1.22
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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