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March 2016

2. STATE BANK OF MYSORE Highlights of Performance for FY16
Bank rated # 1 in Credit Quality for FY15 FE survey Mar 16
24% increase in Fee based Income
CASA at 34.6% up by 90 bps
Retail Advances share upped to 50% of Loan Book

3. Performance Highlights
YoY Growth
FY16 over FY15
CRAR 101 bps
Fee Income
23.4%
CASA
90 bps
Impaired Assets
105 bps
Capital Adequacy Ratio (Basel III)
CET I
9.01%
Overall %

4. NII and Operating Profit
` in crs
Q4 FY16
Q4 FY15
YOY%
FY 16
FY 15
Interest Income
1,776
1,792 -1
7,128
6,940 3
Other Income
300
260 15
810
768 5
Of which Fee Income
(Commn / Exch)
232
161 44
560
454 23
Total Income
2,076
2,052 1
7,938
7,708
Interest Expenses
1,229
1,239
5,012
4,853
Net Interest Income
547
553
2,115
2,087
Operating Expenses
437
410 7
1,674
1,524 10
Operating Profit
402 2
1,251
1,331 -6

5. Net Profit - a Snapshot
` in crs
Q4 FY16
Q4 FY15
YOY%
Operating Profit
410
402 2
Total Provisions
306
266 15
Income Tax 42 82
-49
Net Profit
105
136
-23
FY16
FY15
YOY%
1,252
1,331 -6
894
922 -3
128
187
-32
358
409
-12

6. Quarterly Movement in Income Parameters
` in crs
Net Intt
Income
Op Profit
Net Profit

7. Key Performance Indicators: Performance Ratios

8. Movement in Net Interest Margin
NIM –
cumulative
Mar 14
Jun 14
Sep 14
Dec 14
Mar 15
Jun 15
Sep 15
Dec 15
Mar 16
3.02
3.08
2.95
2.98
2.89
2.84
2.80

9. Interest Spread Yield on Advances Cost of Deposits
Cost of Funds - Aggregate
Interest Spread

10. Retail Deposits Agg Dep 70,224 (8%) 65,058 Tot Dep 70,569 (7%) 66,064
` in Crs
Particulars
Mar 16
Mar 15
Market Share %
0.73
0.76
Bulk Dep
8,077
11,627
(% to Tot Dep)
(11.4)
(17.6)
of wch: abv Card Rate
836 (CD)
4,114
(1.2)
(6.2)
Below & at Card Rate
7,241
7,513
(10.3)
CASA
24,307
21,945
(% to Agg Dep)
(34.6)
(33.7)
Agg Dep
70,224
(8%)
65,058
Tot Dep
70,569
(7%)
66,064
Retail Dep
61,481
(15%)
53,431
(YoY %)
(-31%)
(20%)
(7%)
(11%)

11. Sectoral Distribution of Advances
` in Crs
0.74%
Market Share
0.78%
55,418
4 % YoY Gr
53,296
Share %
Mar 16
Mar 15
Per 22 20
Agri 17 ME 2 1
MSE 9 8
C&I 50 54
Total
100
(YoY%)
(16%)
(4%)
(81%)
(10%)
(-3%)
# Priority Sector figures have been re-grouped as per new revised RBI guidelines

12. Retail Advances
` in crs
Distribution of Retail Loans(%)
Distribution of Home Loans(%)
12,175
10,500
Total 6,450
5,372
Total
Avg tkt size: 13.51
11.86 lacs
Level
Home
Auto
Edu
Other Per.
Total
Mar 15
5,372
826
657
3,645
10,500
Mar 16
6,450
969
699
4,057
12,175
YOY Growth
1,078
143 42
412
1,675
YOY Growth % 20 17 6 11 16
5 year CAGR(%) 21 31 23

13. CD Ratio & Market Share CD RATIO MARKET SHARE DEPOSITS ADVANCES in %
* As on

14. Capital Adequacy (` in crs) CAR % 11.28 11.08 11.16 10.73 11.65 11.42
11.22
11.29
Basel III
Mar 13
Mar 14
Jun 14
Sep 14
Dec 14
Mar 15
Jun 15
Sep 15
Dec 15
Mar 16
RWA
(` in crs)
44,073
46,251
45,853
47,737
47,768
51,140
52,312
52,484
51,830
54,091

15. Asset Quality Mar 14 Mar 15 Jun 15 Sep 15 Dec 15 Mar 16 PCR % 60 69 72
` in crs
(%)
Mar 14
Mar 15
Jun 15
Sep 15
Dec 15
Mar 16
PCR % 60 69 72 66 59

16. Gross NPAs by Sector Break-up of Gross NPAs ` in crs
Segment-wise Gross NPAs to Total Gross NPAs (%)
Sector
Mar 16
Mar 15
Mar 14
NPA
Ratio %
C&I
2,824
9.6
1,369
4.6
1,848
6.1
Agri
382
4.7
397
5.0
531
7.5
MSE
253
224
4.3
280
6.2
Per
177
1.5
146
1.4
160
1.8
Total
3,636
6.6
2,136
4.0
2,819
5.5

17. NPA Position - Industry wise
` in crs
I ndust r y
N P A s a s on
Fr e sh S l i pa ge s dur i ng
N P A s a s on
Q4 FY16
Q3 FY16
Q2 FY16
Q1 FY16
Iron & Steel
1,004
1,103(444)*
436 (436) 41
141
Engineering
394 72
169 65
121 54
Trading & Services
154 78 35 22 20
166
Power
320
128(106) 15
290
Pharmaceut icals 47 1 8 73
Text iles & Readymades
107 2 6
186
Roads & Ports
126
33(33) 85
Gems & Jewellery
138
140
M etals & M ines 90
72 (68)
Paper Indust ries 55 53
Hot els 11
15 (15) 28
Petroleum & Veg Oils
127
100(18)
173
cement 48 17 30
Elect ricals 69 21
46 (46)
Information Tech. 36 43
Chemicals 27 23 10
Food Processing
272
253 24
CRE/ Real Est ate 3 9
Educat ional Inst itutions 4 18
PER
177 56 74
147
AGRI
377 63
34 (6)
397
M iscellaneous 70 31 16 95
Grand T o tal
3 , 6 3 6
1, 9 56 ( 6 0 1)
9 3 1 ( 571)
401
286
2 , 13 6
Figures in Brackets indicates AQR related a/cs

18. Movement of NPAs PARTICULARS Q4 FY16 Q3 FY16 Q2 FY16 Q1 FY16 Q4 FY15
` in crs
PARTICULARS
Q4 FY16
Q3 FY16
Q2 FY16
Q1 FY16
Q4 FY15
Opening Level - GNPAs
2,915
2,176
2,214
2,136
2,584
Recovery
169 51
124 34
287
Up gradation
723
129 26
118
258
Write off
162 2
260 56 80
Sale to ARCs
181 10 29 69
Fresh Slippages
1,956 (601)*
931 (571)*
401
286
246
Net Increase
721
739
-38 78
-448
Closing Level - GNPAs
3,636
Recovery in W/o Accounts 23 13 11 12
* (In respect of AQR related accounts)

19. Movement of Impaired Assets
` in crs
Particulars
Mar 16
Dec 15
Sep 15
Jun 15
Mar 15
Mar 14 1
Gross Advances
55,418
53,191
51,926
52,612
53,296
50,862 2
Gross NPAs
3,636 (601)*
2,915 (571)*
2,176
2,214
2,136
2,819 3
Net NPAs
2,257
1,617
1,128
1,077
1,121
1,630 4
Restructured Standard
(as per revised RBI norms)
1,730
2,040
2,906
3,358
3,581
3,347 5
Total Gross NPAs + Rest Std. ( 2+4 )
5,366
4,955
5,082
5,572
5,717
6,166 6
Total Net NPAs +Rest Std. ( 3+4 )
3,987
3,657
4,034
4,435
4,702
4,977 7
Gross NPA + Restructured Standard to Gross Adv. % ( 5 ÷ 1 )
9.68
9.32
9.79
10.59
10.73
12.12 8
Net NPA + Restructured Standard to Gross Adv. % ( 6 ÷ 1 )
7.19
6.88
7.77
8.43
8.82
*(AQR related accounts)