Indian Overseas Bank · NSE:IOB

Indian Overseas Bank — Q1 FY2021-22 Earnings Presentation

36 slides from Indian Overseas Bank's earnings presentation, Aug 3, 2021

  1. Slide 1: Indian Overseas Bank Performance Analysis Q1 2021-22

    इण्डियन ओवरसीज़ बैंक Indian Overseas Bank PERFORMANCE ANALYSIS Q1 2021-22 03.08.2021

  2. Slide 2: Index

    INDEX PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE BUSINESS PERFORMANCE NPA MANAGEMENT CAPITAL ADEQUACY FINANCIAL INCLUSION DIGITAL INITIATIVES Performance Analysis Q1 2021-22

  3. Slide 3: Performance Highlights

    PERFORMANCE HIGHLIGHTS Performance Analysis Q1 2021-22

  4. Slide 4: Performance Highlights Q1 2021-22

    PERFORMANCE HIGHLIGHTS Q1 2021-22 Rs in Crore Jun-20 Jun-21 Y-o-Y(%) CASA ROBUST RETAIL CASA 92514 101129 9.31 BUSINESS GROWTH CASA % 41.02% 41.63% 61bps RTD 117011 128818 10.09 HOME LOAN 15235 17854 17.19 Jun-20 Jun-21 JEWEL LOAN 19045 28899 51.74 Net Profit Jun-20 Jun-21 Y-o-Y(%) SUSTAINABILITY Op

  5. Slide 5: Performance Highlights Q1 2021-22 - Asset Quality and Indicators

    PERFORMANCE HIGHLIGHTS Q1 2021-22 Rs in Crore Jun-20 Jun-21 Y-o-Y(%) NNPA ASSET QUALITY IMPROVING Gross NPA 18291 15952 -12.79 Net NPA 6081 3998 -34.25 GNPA% 13.90% 11.48% (242 bps) NNPA% 5.10% 3.15% (195 bps) Jun-20 Jun-21 Return on Equity Jun-20 Jun-21 Y-o-Y(%) STRENGTHENING INDICATORS FINANCIAL P

  6. Slide 6: Financial Performance

    FINANCIAL PERFORMANCE Performance Analysis Q1 2021-22

  7. Slide 7: Financials - At a Glance

    FINANCIALS- AT A GLANCE Rs. in Crore Quarter Growth % Particulars Q1 20-21 Q4 20-21 Q1 21-22 Y-o-Y Q-o-Q Interest Income 4302 4057 4063 -5.56 0.15 Interest Expenses 2890 2654 2567 -11.18 -3.28 Net Interest Income 1412 1403 1496 5.95 6.63 Non Interest Income 932 2016 1092 17.17 -45.83 Operating Incom

  8. Slide 8: Total Income

    TOTAL INCOME Rs. in Crore Quarter Growth % Particulars Q1 20-21 Q4 20-21 Q1 21-22 Y-o-Y Q-o-Q Interest on Loans 2782 2446 2614 -6.04 6.87 Interest on Investment 1422 1439 1403 -1.34 -2.50 Other Interest Income 98 172 46 -53.05 -73.31 Total Interest Income 4302 4057 4063 -5.56 0.15 Exchange & Commiss

  9. Slide 9: Total Expenses

    TOTAL EXPENSES Rs. in Crore Quarter Growth % Particulars Q1 20-21 Q4 20-21 Q1 21-22 Y-o-Y Q-o-Q Interest on Deposits 2776 2604 2520 -9.22 -3.23 Interest on Borrowings 114 51 47 -58.77 -7.84 Other Interest paid 0 0 0 - - Total Interest Expenses 2890 2654 2567 -11.18 -3.28 Staff Expenses 884 1166 939

  10. Slide 10: Provisions & Profit

    PROVISIONS & PROFIT Rs. in Crore Quarter Growth % Particulars Q1 20-21 Q4 20-21 Q1 21-22 Y-o-Y Q-o-Q Operating Profit 1094 1724 1202 9.87 -30.28 Provisions 973 1374 875 -10.07 -36.32 of which NPA Provisions 711 1597 1010 42.05 -36.76 Other Provisions 262 -223 -135 -151.53 -39.46 Net Profit/Loss 121

  11. Slide 11: Performance Ratios - Quarterly

    PERFORMANCE RATIOS- QUARTERLY Cost of Deposits Yield on Advances 8.65 8.39 8.10 4.99 7.57 4.80 7.04 4.59 4.45 4.26 June 20 Sep-20 Dec-20 Mar-21 Jun-21 June 20 Sep-20 Dec-20 Mar-21 Jun-21 YOA Return On Assets Net Interest Margin 0.50 2.57 0.46 2.45 2.36 2.34 2.22 0.31 0.22 0.18 June 20 Sep-20 Dec-20

  12. Slide 12: Business Performance

    BUSINESS PERFORMANCE Performance Analysis Q1 2021-22

  13. Slide 13: Business Performance - Global

    BUSINESS PERFORMANCE- GLOBAL Rs. in Crore Particulars Jun-20 Mar-21 Jun-21 Y-o-Y(%) Q-o-Q(%) CASA 92514 102165 101129 9.31 -1.01 a)Retail Term Deposits 117011 126901 128818 10.09 1.51 b)Bulk Deposits 12665 8055 9976 -21.23 23.84 c)Overseas Term Deposits 3356 3167 3017 -10.08 -4.72 Term Deposits (a+b

  14. Slide 14: Deposits Composition

    DEPOSITS COMPOSITION Rs. in Crore Y-o-Y variation Q-o-Q variation Parameters Jun-20 Mar-21 Jun-21 Amount % Amount % Domestic-Deposits Savings Bank 78105 85661 86597 8492 10.9 935 1.1 Current Account 13420 14927 13356 -64 -0.5 -1571 -10.5 CASA 91525 100588 99953 8428 9.2 -635 -0.6 Term Deposits (TD)

  15. Slide 15: Risk Spread - Assets

    RISK SPREAD- ASSETS Rs. in Crore Domestic Share of Advances Corporate JUN-20 MSME, JUN-21 Corporat MSME /others 19% 34% 19.79% e/others, 26.55% Agri Retail Agri, 23% 24% 27.64% Retail , 26.02% Y-o-Y Growth Q-o-Q Growth Parameters Jun-20 Mar-21 Jun-21 Amount % Amount % Retail 29842 34196 33577 3735 1

  16. Slide 16: Retail Performance

    Rs. in Crore RETAIL PERFORMANCE Home, % Share to 53.17% Domestic Retail Others , Period Domestic 21.00% Advances Advances Advances Jun-20 123542 29842 24.16% Education, Mar-21 130267 34196 26.25% 13.60% Clean, Jun-21 129053 33577 26.02% 2.55% Auto, 9.68% RETAIL BREAK UP-Jun-21 Share of Retail Advanc

  17. Slide 17: Agriculture Advance Performance

    AGRICULTURE ADVANCE PERFORMANCE Rs. in Crore Share of Agriculture on Domestic Advances 40000 26.95% 27.64% 30.00% 22.61% 25.00% 30000 20.00% 20000 15.00% 10.00% 10000 5.00% 27930 35106 35673 0 0.00% Jun-20 Mar-21 Jun-21 AGRI Advance % Share to Domestic Advance % Share to Agri Advance Domestic AGRI P

  18. Slide 18: Agri Advances - Priority Sector

    AGRI ADVANCES – PRIORITY SECTOR Rs. in Crore 40000 21.14% 20.22% 20.28% 19.19% 22.64% 23% 20.96% 35000 22% 30000 25000 21% 20000 20% 15000 19% 10000 5000 18% 0 17% 2018-19 2019-20 2020-21 Jun-20 Mar-21 Jun-21 (Avg of 4 Qtrs) (Avg of 4 Qtrs) (Avg of 4 Qtrs) Target Achievement % Achieved Target Achiev

  19. Slide 19: MSME

    MSME Rs in Crore % Share to MSME Advances share to Domestic Domestic MSME 32000 Advances Period Domestic 22.50% Advance Advance 30000 Advances 20.61% 28000 19.79% 20.50% 19.26% 26000 Jun-20 123542 23799 19.26% 18.50% 24000 Mar-21 130267 26849 20.61% 22000 16.50% Jun-21 129053 25545 19.79% 20000 14.5

  20. Slide 20: Investments

    INVESTMENTS Rs. in Crore Global Investments-Jun 21 98412 96480 94960 86038 86684 Jun-20 Sept-20 Dec-20 Mar-21 Jun-21 Parameters Jun-20 Sept-20 Dec-20 Mar-21 Jun-21 Domestic Investments 82528 91497 83001 94686 92580 SLR 54485 63932 55562 63421 61669 Non SLR 28043 27565 27439 31265 30911 Held to Matur

  21. Slide 21: NPA Management

    NPA MANAGEMENT Performance Analysis Q1 2021-22

  22. Slide 22: NPA Management

    NPA MANAGEMENT Rs. in Crore Details Q1 20-21 Q2 20-21 Q3 20-21 Q4 20-21 Q1 21-22 i) Opening Gross NPAs 19913 18291 17660 16753 16323 a. Cash Recov eries 150 325 248 490 412 b. Upgradation 45 87 157 166 356 c. Write-Offs 1784 58 252 2524 793 d. Sale to ARCs 0 0 255 168 23 e. Other Reductions 0 34 21

  23. Slide 23: Segmental NPAs

    SEGMENTAL NPAS Rs. in Crore Jun-20 Mar-21 Jun-21 Segmental NPAs NPA Ratio % NPA Ratio % NPA Ratio % Retail 763 2.56 1321 3.86 1515 4.51 Agri 2273 8.14 2608 7.43 2630 7.37 MSME 2611 10.97 3273 12.19 3519 13.78 Corporate 11294 26.91 7601 22.28 6715 19.60 Overseas 1350 16.83 1519 16.28 1573 15.90 Total

  24. Slide 24: Movement of NPA

    MOVEMENT OF NPA GNPA NNPA 13.90 5.10 13.04 4.30 3.58 12.19 3.13 3.15 11.69 11.48 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 PCR 91.91 91.56 90.34 89.36 87.97 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Performance Analysis Q1 2021-22 Page 24

  25. Slide 25: Capital Adequacy

    CAPITAL ADEQUACY Performance Analysis Q1 2021-22

  26. Slide 26: Capital Conservation

    CAPITAL CONSERVATION Rs. in Crore Particulars Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Market Risk RWA 14010 15467 12072 13884 12325 Operational Risk RWA 13217 13217 10477 10477 13402 Credit Risk RWA 84889 82831 83594 87644 87376 Total RWA (A) 112115 111515 106143 112005 113104 CET 1 9397 9325 9361 14462

  27. Slide 27: Movement of RWA & CRAR

    MOVEMENT OF RWA & CRAR CRAR 15.32 15.48 11.49 10.93 10.90 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Total RWA to Total Assets Ratio Credit RWA to Advance Ratio 85.22 64.52 82.32 62.89 81.40 62.78 80.23 61.14 77.21 60.81 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Performance Analy

  28. Slide 28: Financial Inclusion

    FINANCIAL INCLUSION Performance Analysis Q1 2021-22

  29. Slide 29: Financial Inclusion

    FINANCIAL INCLUSION PMJDY Account (Number in Lakhs) PMJDY Account Balance Rs in Cr 52.77 52.82 1735 1756 1226 50.52 1117 48.49 Mar-19 Mar-20 Mar-21 Jun-21 Mar-19 Mar-20 Mar-21 Jun-21 No in Lakhs PMJDY Zero balance Jan Suraksha Schemes (in Nos.) Accounts 3348835 3363706 10.14 9.86 2545145 2657039 121

  30. Slide 30: Digital Initiatives

    DIGITAL INITIATIVES Performance Analysis Q1 2021-22 Page 30

  31. Slide 31: Digital Outreach

    DIGITAL OUTREACH No of Users As on 30.06.2021 Mobile Banking Registered users (No. in Lakh) 36.26 Customer touch Internet Banking Registered users (No. in Lakh) 21.29 Points UPI Registered users (No. in Lakh) 42.70 ATMs/CDMs (No of outlet) 3163 Passbook Kiosks 2109 ADC CHANNELS Transactions- 01.04.2

  32. Slide 32: Customer Touch Points

    CUSTOMER TOUCH POINTS Domestic Presence Jun-20 Mar-21 Jun-21 Branches 3265 3217 3217 ATM 3067 3145 3163 BC 2760 2739 2739 JUN-21 BRANCHES JUN-21 ATM Rural, 903, Metro, 701, Rural, 722, Metro, 737, 28% 22% 23% 23% Urban, 653, Semi Urban, 711, Semi Urban, 20% Urban, 993, 23% 960, 30% 31% Performance A

  33. Slide 33: Global Footprints

    GLOBAL FOOTPRINTS Overseas Singapore Hong Kong Colombo Bangkok Branches JV Malaysia Subsidiary Remittance Singapore- Serengoon Road Centre STRATEGIC INVESTMENTS–JOINT VENTURE  Indian Overseas Bank (35%) has a Joint Venture Bank in Malaysia with Bank of Baroda(40%) and Union Bank of India (25%), nam

  34. Slide 34: Strategic Investments - Joint Venture

    STRATEGIC INVESTMENTS – JOINT VENTURE IOB entered into Non Life Insurance Business with Universal Sompo General Insurance (USGI) Company Limited with equity participation of 18% along with the other Banks and Institutions SHAREHOLDING % Shareholding Name of Entity Investment 12.81% % 18.06% 6.00% In

  35. Slide 35: Disclaimer

    DISCLAIMER  Except for the historical information contained herein, statements in this release which contain words or phrases such as “will”, “aim”, “will likely result”, “would”, “believe”, “may”, “expect”, “will continue”, “anticipate”, “estimate”, “intend”, “plan”, “contemplate”, “seek to”, “fut

  36. Slide 36: Thank You

    Thank You visit us @ https://www.iob.in Performance Analysis Q1 2021-22

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