Banking

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FINANCIAL SERVICES

Indian banks: performance benchmarking report
FY12 results
kpmg.com/in

Basis of preparation
As of 30 March 2012, top 10 banks by market capitalization have been selected for the purpose of analysis in this report. All the data and statistics in the publication are primarily based on the annual reports published by respective banks besides analyst presentation, press releases and earnings call transcripts, wherever relevant. All aggregate numbers for the banks in study are either the sum of numbers for individual banks or the average of numbers for all the banks, as appropriate. Some of the ratios — which either have inconsistent definitions or have not been disclosed by the banks — have been calculated using formulas across banks. KPMG International or any other KPMG member firm has no role in ranking these banks in any way and their mention here is not an endorsement of these banks. The top 10 banks selected for the analysis in this publication, as based on the market capitalization as of 30 March 2012, are: State Bank of India (SBI), Punjab National Bank (PNB), Canara Bank, the Bank of India (BoI), Bank of Baroda (BoB), ICICI Bank, HDFC Bank, Axis Bank, Kotak Mahindra Bank (KMB) and IndusInd Bank (IIB).

© 2012 KPMG, an Indian Registered Partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved.

Indian banks: Performance benchmarking report

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Table of Contents
Chapter 1: Chapter 2: Chapter 3: Performance at a glance Summary Financial performance Profitability Cost Shareholders’ returns

01 03 05
05 09 10

Chapter 4:

Financial position
Balance sheet Asset quality Capital adequacy

15
15 19 23

Chapter 5:

Sector commentary
Focus on retail banking Financial Inclusion remain a top priority Making the best use of technology

25
25 27 28

Chapter 6:

Regulation
Regulations: shaping the growth of the sector Exciting times ahead

31
31 34

Chapter 7:

The future landscape
Banks’ supervision to undergo significant changes Emerging class of new distributors to impact banks’ business models Data analytics to play a larger role Economic outlook Banking outlook

35
35 36 36 37 39

© 2012 KPMG, an Indian Registered Partnership and a member firm of the KPMG network of independent member firms affiliated with KPMG International Cooperative (“KPMG International”), a Swiss entity. All rights reserved.

01

| Indian banks: Performance benchmarking report

01

Performance at a glance

SBI FY11 Net interest income (INR billion) Other income (INR billion) Profit before tax (INR billion) Profit after tax (INR billion) Total assets (INR billion) Total business (INR million) Advances (INR billion) Deposits (INR billion) FY12 FY11

PNB FY12 FY11

BoB FY12

Canara Bank FY11 FY12 FY11

BoI FY12

325 158
150

433 144
185

118 36
66

134 42
70

88 28
57

103 34
60

77 28
50

77 29
41

78 26
35

83 33
36

83
12,237

117
13,355

44
3,783

49
4,582

42
3,584

50
4,473

40
3,359

33
3,742

25
3,512

27
3,845

16,907 7,567 9,339

19,112 8,676 10,436

5,500 2,421 3,129

6,734 2,938 3,796

5,341 2,287 3,054

6,722 2,874 3,849

5,047 2,113 2,934

5,595 2,325 3,271

5,150 2,162 2,989

5,697 2,515 3,182

Net interest margin Cost to income ratio Return on assets Return on net worth Capital adequacy ratio Tier I Current account savings account ratio1 Cost of funds Gross non-performing assets Net non-performing assets Provision coverage ratio

3.32 47.60 0.71 12.72 11.98 7.77 49.82 5.39 3.28 1.63 64.95

3.85 45.23 0.88 13.95 13.86 9.79 46.64 6.15 4.44 1.82 68.10

3.96 41.27 1.34 20.61 12.42 8.44 38.45 4.57 1.79 0.85 73.21

3.84 39.75 1.19 17.56 12.63 9.28 36.20 5.62 2.93 1.52 62.73

3.12 39.87 1.33 20.16 14.52 9.99 34.36 4.67 1.36 0.35 85.00

2.97...
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