IDBI Bank Limited · NSE:IDBI
IDBI Bank — Q4 FY2016 Earnings Presentation
31 slides from IDBI Bank's earnings presentation, March 2016
Slide 1: Presentation to Analysts Q4 FY 2016
|G) IDBI BANK Bany. Aisa Dost Jaisa . Preseniation to Analysis . Q4 FY 2016
Slide 2: Disclaimer
Disclaimer: Certain statements contained in this presentation may be statements of future expectations and other forward-looking statements that are based on third party sources and involve known and unknown risks and uncertainties. Forward-looking statements contained in this presentation regarding
Slide 3: IDBI Bank's Forte
IDBI Bank’s Forte Significant Leading player in Growing Diversified Strong provider of domestic Branch customer Brand Value Long Term Debt Network base Finance Syndication Ranks 37th amongst Completed 150 Apex role in creating Branches -1846 Corporate and top 50 brands across mandates till date indu
Slide 4: Performance Highlights Q4 FY16 v/s Q4 FY15
Performance Highlights Q4 FY16 v/s Q4 FY15 ` Crore 2,15,893 2,65,720 4,81,613 90,429 Advances Business Deposits 44% 2% 3% 7% PSL 2,08,377 2,59,836 4,68,213 84,329 69,004 71,580 22,654 1,27,278 Retail TD Networth Bulk TD CASA 6% 6% 2% 2% 65,117 67,441 22,114 1,25,135 Analyst Presentation – Q4 FY16 4
Slide 5: Performance Highlights Q4 FY16 (Profitability)
Performance Highlights Q4 FY16 (Profitability) 2.10% 2489 2500 2.50% 2000 1.67% 2.00% 1500 654 1.50% 1000 654 1595 1.00% 500 0.50% 0 0.00% Fee Income NIM Ope. Profit Qtr Ended Mar-16 Qtr Ended Mar-15 Qtr Ended Mar-16 Qtr Ended Mar-15 Analyst Presentation – Q4 FY16 5
Slide 6: Performance Highlights FY ended 16 (Profitability)
Performance Highlights FY ended 16 (Profitability) ` Crore 1.90% 5728 6000 1.90% 5000 4000 1952 1.89% 1.88% 3000 2130 5370 1.88% 2000 1.87% 1000 1.86% 0 Fee Income NIM Ope. Profit FY ended Mar-16 FY ended Mar-15 FY ended Mar-16 FY ended Mar-15 Analyst Presentation – Q4 FY16 6
Slide 7: Profit & Loss - Snapshot
Profit & Loss - Snapshot ` Crore Particulars Q4 FY16 Q4 FY15 Growth % FY 2016 FY 2015 Growth % Interest Income 6 928 7 412 (7) 28 043 28 154 0 Interest Expenses 5 501 5 752 (4) 21 954 22 406 (2) Net Interest Income 1 428 1 660 -14 6 089 5 748 6 Other Income 1 346 1 970 (32) 3 410 4 008 -15 Net Total
Slide 8: Balance Sheet - Snapshot
Balance Sheet - Snapshot ` Crore As at 31-Mar-16 31-Mar-15 LIABILITIES Capital 2 059 1 604 Reserve & Surplus 25 663 22 713 Deposits 2 65 720 2 59 836 Borrowings 69 574 61 832 Other Liabilities & Provisions 11 357 10 158 Total 3 74 372 3 56 144 ASSETS Cash & Balance with RBI 13 823 13 153 Bal. with b
Slide 9: Growing Deposit Base
Growing Deposit Base ` Crore Composition of Deposits Movement of Deposits 300000 Retail Term Deposits FY 2016 250000 27% (26%) 200000 150000 Current A/c 11% (12%) Bulk Term Deposits 100000 47% (49%) 50000 0 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 Savings Bank A/c Bulk Term Deposits 114932 115522 131
Slide 10: Credit Base
Credit Base ` Crore Composition of Advances Movement of Advances FY 2016 Domestic Corp. Overseas 53% 250000 Corp. 11% 200000 Retail 150000 36% 100000 50000 Domestic FY 2015 Corp. Overseas 56% 0 Corp. FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 11% Term Loans 131957 140803 140704 147372 150581 Bills 3278
Slide 11: Industry-wise Advances
Industry-wise Advances Outstanding % of Total ` Crore Outstanding Particulars (Top 20 Industries) FB NFB Total advances (Fund based+Non fund based) Infrastructure 56 610 23 690 80 300 25.81% Basic Metal and Metal Products 14 617 6 569 21 186 6.81% Housing Loans (Incl priority sector housing) 27 220
Slide 12: Composition of Borrowings
Composition of Borrowings ` Crore Mar-16 Mar-15 Domestic 45588 38625 - Capital instruments 18965 17704 -Other borrowings 20254 12343 -Long term infrastructure bonds 6369 8579 Overseas 23986 23207 - Capital instruments 0 0 -Other borrowings 23986 23207 Total borrowings 69574 61832 Capital instruments
Slide 13: Productivity
Productivity ` Crore Business per employee CASA per Employee 26.5 26.2 5.0 26.0 25.7 3.9 3.9 4.0 3.7 25.5 25.18 3.3 3.2 25.0 24.7 3.0 24.5 23.9 2.0 24.0 23.5 1.0 23.0 22.5 0.0 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 Busi/Employee CASA/Employee Note: Excluding
Slide 14: Robust growth in PSL book
Robust growth in PSL book ` Crore 90000 40.7% of 80000 ANBC in FY 18628 70000 23262 2016 60000 16099 50000 40000 66298 30000 61067 52639 20000 38850 10000 39.7% of 0 ANBC in FY 2015 FY 2013 FY 2014 FY 2015 FY 2016 PSL (Excl. RIDF) RIDF Relentless focus for increasing PSL Book towards complying regul
Slide 15: Investments
Investments ` Crore FY 2016 Particulars HTM AFS HFT Total Government securities 58 191 21 728 2 721 82 639 SASF Securities 4 486 - - 4 486 Shares (Equity) - 2 344 2 344 Shares (Preference) - 307 - 307 Debentures/ Bonds - 3 117 - 3 117 Subsidiaries / Joint Ventures 702 - - 702 Security Receipts - 488
Slide 16: Major Strategic Stakes
Major Strategic Stakes Pivotal role in developing Institutions and financial architecture of the country Analyst Presentation – Q4 FY16 16
Slide 17: Maturity Profile as on Mar-16
Maturity Profile as on Mar-16 ` Crore Maturity Profile Advances Borrowings Deposits Upto 6 months 25,704 6,303 72,051 > 6 months to 1 year 15,847 13,386 67,156 > 1 year to 3 years 82,765 12,899 87,088 > 3 years to 5 years 35,668 10,660 14,744 > 5 years 55,909 26,326 24,681 Total 215893 69574 265720
Slide 18: Other Income
Other Income ` Crore Quarter Ended FY Ended Particulars Mar-16 Mar-15 Growth % Mar-16 Mar-15 Growth % Commission, Excg & Brkg 652 649 0 2 117 1 935 9 Profit on sale of Investments 495 1 240 (60) 829 1 636 (49) Profit/(Loss) on revaluation of investment 36 (22) (266) (103) (50) 105 Profit on sale of
Slide 19: Overhead Efficiency
Overhead Efficiency Overhead Efficiency Cost to Income 120% 103% 100% 114.24% 43.47% 44% 42.48% 90% 41% 100% 81% 82.58% 42% 80% 39% 40% 60% 38% 36% 37% 40% 36% 20% 34% 0% 32% FY 2012 FY 2013 FY 2014 FY 2015 Q4 2016 FY 2016 FY 2012 FY 2013 FY 2014 FY 2015 Q4 2016 FY 2016 Overhead Efficiency and Cost
Slide 20: Movement in Key Ratios
Movement in Key Ratios ROEA Vs COF NIM 12.00% 10.38% 10.71% 10.28% 10.27% 3.00% 9.79% 9.53% 10.00% 2.50% 8.00% 2.12% 2.17% 2.02% 8.36% 8.31% 7.87% 1.90% 1.88% 6.00% 7.80% 2.00% 6.82% 7.17% 1.67% 4.00% 1.50% 2.00% 0.00% 1.00% FY 2012 FY 2013 FY 2014 FY 2015 Q4 2016 FY 2016 FY 2012 FY 2013 FY 2014 FY
Slide 21: Movement in Key Ratios
Movement in Key Ratios ` Crore Growth in Average CASA Growth in Average Deposits 80000 300000 70000 250000 60000 CASA Total 50000 200000 Deposits 40000 150000 Avg. Avg. Total 30000 CASA 100000 Deposits 20000 50000 10000 0 0 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2012 FY 2013 FY 2014 FY 2015 FY 2
Slide 22: Capital Adequacy
Capital Adequacy ` Crore Particulars FY 2016 FY 2015 11.67% 11.76% CET 1 (Rs.) 23558 20810 AT 1 (Rs.) 2696 2531 2.78% Tier 2 Capital (Rs.) 8212 10235 3.58% Total Capital (Rs.) 34466 33577 0.91% RWA (Rs.) 295277 285542 0.89% CET 1 7.98% 7.29% AT 1 0.91% 0.89% Tier 1 Ratio 8.89% 8.18% Tier 2 Ratio 2.7
Slide 23: NPA Movement
NPA Movement ` Crore For the Quarter Particulars For FY Mar 16 Mar 16 Opening Balance 19615 12685 Add: -Fresh Slippages* 10260 19087 Of Which Restructured A/cs are 5244 7149 Less: -Recovery 515 874 -Upgradation 236 563 -Write-off 4250 5459 Closing Balance 24875 24875 Gross NPA % 10.98% 10.98% Net NP
Slide 24: NPA Classification
NPA Classification 659 ` Crore Sub Standard Particulars Gross NPA Assets 9832 Doubtful Sub Standard Assets 9832 14384 Assets Doubtful Assets 14384 659 Loss Assets Loss Assets Total 24875 Oustanding Gross NPA GNPA % of Category Advances (A) (B) Total O/S Agri and Allied Activities 19859 1510 0.67% In
Slide 25: Summary of Restructured Advances as on March 31, 2016
Summary of Restructured Advances as on March 31, 2016 ` Crore Particulars PA NPA Total Gross 18185 11139 29325 Less: FITL Provision 959 489 1448 Net of FITL Provision 17226 10651 27877 Less: Cases considered for Provisioning @ 3372 0 3372 0.40% Total 13854 10651 24505 Analyst Presentation – Q4 FY16
Slide 26: Industry-wise Restructured Advances as on March 31, 2016
Industry-wise Restructured Advances as on March 31, 2016 ` Crore % of Total % of Total Net Outstanding Net Outstanding Industry Type Industry Type Outstanding advances Outstanding advances (%) (%) Petroleum (non/infra), Coal Products (non/mining) and Nuclear Agriculture & Allied Activities 307 0.14
Slide 27: Provisions & Contingencies
Provisions & Contingencies ` Crore Quarter Ended FY ended Particulars Mar-16 Mar-15 Mar-16 Mar-15 Depreciation on Investment 257 156 386 248 Provision for NPAs 186 534 3 507 1 623 Provision towards standard assets 10 326 1 650 499 Provision for Restructured Assets (100) (175) (582) 364 (including FI
Slide 28: Fast Growing Distribution Network
Fast Growing Distribution Network 2000 1 1800 1 1600 378 368 1 1400 1200 319 460 1 451 1 1000 274 800 264 426 586 600 388 524 377 400 372 282 200 236 373 421 270 95 132 0 FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 Rural Semi-Urban Urban Metro Overseas 1846 Branches 17 Central Clearing Unit 3310 A
Slide 29: Awards & Accolades
Awards & Accolades IDBI Bank received the ASSOCHAM Award 2015 for Financial Inclusion under Large Bank class and Government schemes category. IDBI Bank launched India’s first of its kind “Government Securities (G- Sec) Investment Facility through ATM for Retail Investors”. IDBI Bank received the
Slide 30: Strategies & Way Forward
Strategies & Way Forward Global Expansion Plans, particularly in Intensive Singapore efforts for and recovery from Shanghai. NPLs Buoyancy in Continuing Fee Based the focus on Income increasing exposure in Retail Scaling up Advances, CASA and particularly Retail Priority Sector Deposits Analyst Pres
Slide 31: Analyst Presentation – Q4 FY16
Analyst Presentation – Q4 FY16 31