IDBI Bank Limited · NSE:IDBI
IDBI Bank — Investor Presentation (April 2011)
25 slides from IDBI Bank's investor presentation, April 2011
Slide 1: Presentation to Analysts April 2011
Presentation to Analysts April 2011
Slide 2: Genesis
Genesis 1964-1976 1994- 00 2003 - 06 2007- 10 Set upp byy an IDBI Act IDBI Repeal p Act Complete p Act of amended to passed in Networking Parliament in permit private December 2003 (100% Core 1964 as a ownership upto for conversion Banking) subsidiary of 49%. to a bankingg Organization g the Central
Slide 3: Status as Leading DFI
Status as Leading DFI • Leading provider of long term finance o Played an apex role in helping create the industrial and infrastructural base in the country o Total T l Investments I generatedd – ` 4000 billi billion ((approx.)) ((over USD 80 bn) o Significant player in domestic debt syndication. •
Slide 4: Systemic Importance
Systemic Importance • Minimum 51% shareholding by Govt. at all times as specified in the Memorandum & Articles of Association • Large size and retail base • Large investments by PF / Superannuation funds • Continued Govt. support - Infusion of ` 3119.04 crore as preferential allotment of equity. • D
Slide 5: Transition from DFI to a full-service bank
Transition from DFI to a full- full-service bank • In I September S t b 2004,2004 IDBI moved d from f it erstwhile its t hil DFI status t t into i t a full-service commercial bank offering the entire suite of banking products • Today, IDBI has positioned itself as a bank of choice with p corporate a
Slide 6: Distribution Network
Distribution Network • Reach • 816 branches; 1370 ATMs • 1- Overseas, 238-Metro, 307-Urban, 184-Semi Urban & 86-Rural • Presence in 548 locations • Network of : o 60 Retail Asset Centres o 31 City SME Centres o 14 Agri Processing Centres o 4 Regional Processing Units o 22 C Central t l Cl Clearing i
Slide 7: Operating Profile
Operating Profile • Range of products for its Retail and Corporate customers o Retail – Suite of value added asset & liability products leveraging off a strong technology platform o SME & Agri business o Corporate – Infrastructure financing, Project loans, Working Capital loans, Loan Syndication & A
Slide 8: Distinctive strengths
Distinctive strengths Description –Privileged corporate banking relationships and unparalleled reputation in Business project finance and infrastructure lending strengths –Sophisticated retail banking operations and capability –Amongst lowest staff strength (with about 13800 employees) Nimble in siz
Slide 9: Highlights (Q4 FY11 over Q4 FY10)
Highlights (Q4 FY 11 over Q4 FY 10) 157098 180486 1109 543 1167 516 OME OP PROFIT ADVANCES DEPOSITSS FEE INCO 14% 8% 45% 22% 68% 62% PAT NII N P 138202 167667 762 444 693 318 20.88 16.38 ROA ROE 2.10 ASA 0.89 15.52 NIM 1.57 14.59 0.60 CA N R Q4 11 Q4 10 Q4 11 Q4 10 Q4 11 Q4 10 Q4 11 Q4 10 9
Slide 10: Highlights (FY11 over FY10)
Highlights ( FY 11 over FY 10) 157098 180486 4329 1762 4158 1650 OME OP PROFIT ADVANCES DEPOSITSS FEE INCO 14% 8% 92% 23% 53% 60% PAT NII N P 138202 167667 2256 1435 2726 1031 10
Slide 11: Profit & Loss
Profit & Loss (` in Crore) Quarter Ended Year Ended Particulars Mar.11 Mar.10 Mar.11 Mar.10 Interest income 5025 4083 18601 15261 Interest expenses 3917 3321 14272 13005 Net Interest income 1109 762 4329 2256 Other Income 676 545 2084 2302 Total income 1784 1307 6413 4558 Operating Expenses 617 613
Slide 12: Details of Other Income
Details of Other Income (` in Crore) Quarter Ended Year Ended Particulars Mar.11 Mar.10 Mar.11 Mar.10 Commission, Excg & Brkg 462 368 1470 1225 Profit on sale of investments 48 67 143 748 Profit/(Loss) on revaluation of investment 4 -8 -20 -52 Profit on sale of Fixed Assets -2 -1 -3 -1 Profit on for
Slide 13: Details of Operating Expenses
Details of Operating Expenses (` in Crore) Quarter Ended Year Ended Particulars Mar 11 Mar.10 Mar.11 Mar 10 Mar Mar.11 11 Mar.10 Mar 10 Staff Cost 305 286 1046 773 Rent, taxes & lighting 58 62 208 178 Printing & stationery 11 8 35 29 Advertisement & Publicity 8 7 46 46 Depreciation 29 32 127 91 Post
Slide 14: Key Profitability Indicators
Key Profitability Indicators Quarter Ended Year Ended Particulars Mar 11 Mar.10 Mar.11 Mar 10 Mar Mar.11 11 Mar.10 Mar 10 Net Interest Margin (%) 2.10% 1.57% 2.10% 1.27% Return on Assets (%) 0.89% 0.60% 0.73% 0.53% Return on Equity (%) 16 38% 15.52% 16.38% 15 52% 14.92% 14 92% 13.14% 13 14% Cost of
Slide 15: Key Operating Indicators
Key Operating Indicators Quarter Ended Year Ended Particulars Mar.11 Mar.10 Mar.11 Mar.10 Non-interest Non interest income to Total TotalIncome Income 11 85% 11.77% 11.85% 11 77% 10.07% 10 07% 13.11% 13 11% Efficiency [Cost- Net Income] Ratio 34.60% 46.93% 35.16% 40.18% St ffEExpenses tot total Staf
Slide 16: Balance Sheet
Balance Sheet (` in Crore) As at 31-Mar-11 31-Mar-10 LIABILITIES Capital 985 725 Reserve & Surplus 13582 9438 [Net Worth] 12642 8197 D Deposits it 180486 167667 Borrowings 51570 47709 Other Liabilities & provisions 6755 8033 Total 253377 233573 ASSETS Cash & balance with RBI 19559 13903 Bal. with ba
Slide 17: NPAs
NPAs (` in Crore) As at 31-Mar-2011 (` in Crore) Gross Advances 158205 Gross NPAs 2785 Gross NPAs as % of Gross Advances 1.76 Total Provisions held 1107 Net Advances 157098 Net NPAs 1678 Net NPAs as % of Net Advances 1.06 Provision Coverage Ratio 39.75 P Provision i i Coverage C Ratio R ti as per RB
Slide 18: Summary of NPAs as on Mar 31, 2011
Summary of NPAs as on Mar 31, 2011 (` in i Crore) C ) Gross NPA Provision Net NPA As on 01.04.2010 2129 723 1406 Additions on account of merger 30 17 13 Additions (First time NPA) 1958 1373 585 Less: (i) Upgradations 277 71 206 ((ii)) Recoveries 171 50 121 (iii)Write Offs 884 884 0 As on 31.03.2011
Slide 19: Advances
Advances (` in Crore) Vertical 31-Mar-11 31-Mar-10 Nature 31-Mar-11 31-Mar-10 Corporate 103388 101109 Bills 2659 3074 SME 13527 10159 CC, OD, WCDL etc 33098 20268 Agri 10741 8240 Term Loans 121340 114860 Retail 29442 18694 Total 157098 138202 Total 157098 138202 Top 20 Borrowers 38256 Maturity profi
Slide 20: Advances
Advances (` in Crore) Commite d Indus try Outs tanding Expos ure (FB + NFB) POWER 23242 33424 RETAIL LOANS 24985 26870 IRON AND STEEL 15611 23174 ROADS & BRIDGES / PORTS 13027 19683 TELECOM 12162 17752 OIL & GAS/PETROLEUM PRODUCTS 10928 16399 NBFC 11294 14578 AGRICULTURE AND RELATED SERVICES ACTIVIT
Slide 21: Restructuring
Restructuring (` in Crore) In d u s t ry M a r- 11 M e t a l In d u s t ry 2743 E le c t ric it y 2383 T e xt ile s 15 12 A ir T ra n s p o rt 698 F o o d & B e v e ra g e s 620 O t h e r S e rv ic e s 524 E le c t ic a l M a c h in e ry 387 T e le c o m m u n ic a t io n s 331 In fra s t ru c t u r
Slide 22: Investments
Investments (` in Crore) Category HTM AFS HFT TOTAL Government securities 44034 3807 636 48477 SASF Securities 5541 0 0 5541 Shares 287 3237 3 3527 Debentures/ Bonds 232 2135 77.35 2444 Subsidiaries/ Joint Ventures 566 0 0 566 Others (CPs/CD/MF)etc. 2065 3390 3316 8771 Total 52725 12569 4032 69326 2
Slide 23: List of some strategic investments
List of some strategic investments Entity % IDBI ASSET MANAGEMENT LTD. 100.00 IDBI CAPITAL MARKET SERVICES LIMITED 100.00 IDBI INTECH LIMITED 100.00 IDBI MF TRUSTEE COMPANY LTD. 100.00 IDBI FEDERAL LIFE INSURANCE COMPANY LIMITED 48.00 IDBI TRUSTEESHIP SERVICES LIMITED 39.78 NATIONAL SECURITIES DEPOS
Slide 24: Liabilities
Liabilities (` in Crore) Deposits 31-Mar-11 31-Mar-10 Current 23742 15673 Savings 13936 8787 Term 142808 143207 Total 180486 167667 Borrowings 31-Mar-11 31-Mar-10 Tier I 3839 3594 Upper Tier II 4286 3286 Lower Tier II 6837 5819 Flexibonds 493 7759 Omnibonds 15479 10687 Refinance/Borrowings 12002 128
Slide 25: Thank You
@ DBI BANK Thank You