IDFC First Bank Ltd. · NSE:IDFCFIRSTB
IDFC First Bank — IDFC Bank — Q4 FY16 Earnings Presentation
15 slides from IDFC First Bank's earnings presentation, May 2016
Slide 1: IDFC Bank
IDFC BANK
Slide 2: Q4FY16 Financials
Q4FY16 FINANCIALS MARCH 31,2016
Slide 3: Index
INDEX 1. Summary Highlights 4 2. Financial Highlights 6 3. Business Highlights 10 4. Shareholding 14
Slide 4: Key Highlights – H2 FY16
Key Highlights – H2 FY16 Outstanding Credit$ PAT RoA / RoE RoRWA ` 53,580 Cr 85% Net Adv.: `45,699 Cr ₹ 407 Cr 1.1% / 6.0% 1.3% NCDs: ` 2,775 Cr LC/BG: ` 5,106 Cr Asset Mix (` 73,970) Income NIM EPS / Book Value CRR 1,920 Cash & Bank SLR 984 11,057 70% ₹ 1,159 Cr 2.0% 1.2 / 40.2 Investments 9,034 NI
Slide 5: New Business Highlights
New Business Highlights CWB Volumes Bharat Banking Advances Funded O/S ~ ` 52,325 Cr Non Funded~ ` 5,106 Cr ` 93.6 Cr CASA ` 369 Cr (Escrow ` 23 Cr) Term Deposits ` 4,176 Cr Certificate of Deposit `3,511Cr Fx Turnover ~ $ 1,765 M New Products Launched Retail Banking Deposits CC/OD/Work
Slide 6: Financial Highlights
FINANCIAL HIGHLIGHTS 6
Slide 7: Balance Sheet Growth
Balance Sheet Growth Particulars Mar-16 Dec-15 % Growth Shareholders' Funds 13,633 13,570 - Borrowings 47,914 66,250 -28% Deposits 8,219 1,646 CASA 445 324 37% Fixed Deposits 4,263 1,223 Certificate of Deposits 3,511 99 Other liabilities and provisions 4,204 4,481 -6% Total Liabilities 73,970 85,946
Slide 8: Income Statement
Income Statement Particular H2 FY16 Q4 FY16 Q3 FY16 RoA Tree (H2)* Operating Income 1,158.7 554.5 604.2 3.1% Net Interest Income 808.0 411.5 396.5 2.2% Non Interest Income 350.7 143.0 207.7 1.0% Fee and Commission 67.7 49.5 18.2 0.2% Trading Gains 256.3 78.2 178.1 0.7% Other Income 26.7 15.2 11.5 0.
Slide 9: Financials: Key Ratios
Financials : Key Ratios Particular H2 FY16 Q4 FY16 Q3 FY16 Return on Assets 1.1% 0.8% 1.2% RoRWA 1.3% 1.1% 1.6% Return on Equity 6.0% 4.9% 7.2% EPS (₹) 1.2 0.5 0.7 Book Value Per Share (₹) 40.2 40.2 40.0 NIMs 2.0% 2.1% 2.0% Of which Loan NIMs 3.0% 2.8% 3.1% Cost / Income 44.0% 53.1% 35.6% HR Cost/ I
Slide 10: Commercial & Wholesale Bank - Highlights
Commercial & Wholesale Bank - Highlights Others CWB Footprint Fee Based Fund Based Integration with Public Financial Liabilities Trade structures Management Funded O/s ~ ₹ (LC, BG, LuT) System (PFMS) 52,325 Cr* Total issuances : Accounts opened: Delhi CA - #394 ~ ₹ 5,990 Crore - 11 Governmen
Slide 11: Bharat: Banking to the un/under banked
Bharat : Banking to the “un/under” banked Branch Network • Across 9 districts in MP and 5 districts in Karnataka 45 – 35 in MP & 10 in Karnataka • Expansion initiated in Karnataka / AP Assets • ` 21 Crore + Loans disbursed • 105+ Crore Disbursement • 10,000+ Loans • ` 85 Crore disbursals to MFIs • 4
Slide 12: Consumer Banking
Consumer Banking Assets Liabilities Branch Network • 68 Home loans disbursed • 5900+ customers 11 Branches • 17 CC/OD cases disbursed • 8000+ deposit accounts Presence across 5 cities in Total Asset book outstanding as on March ` 157 Cr deposit book as on March end India end` 26 Cr comprising o
Slide 13: Our Current Differentiation: Account Opening (eKYC) & Online Services
Our Current Differentiation : Account Opening (eKYC) & Online Services • The account opening kit has everything that a customer needs • Cheque book • Debit card • Full online transaction set on Internet Banking; with more to come every • Instructions and customer ID quarter • Mobile App under develo
Slide 14: Shareholding
Shareholding % of Top 10 shareholders Sr No Name Category 31-Mar-16 1 IDFC (Promoters) Promoters 53.0% 2 GoI GoI 7.7% 3 Sipadan Investments (Mauritius) FII 4.5% 4 The Royal Bank Of Scotland FII 3.5% 5 HSBC Global Investment Funds FII 1.8% 6 CLSA Global Markets Pte. Ltd. FII 1.8% 7 Orbis Sicav - Asia
Slide 15: Thank You
THANK YOU