IDBI Bank Limited · NSE:IDBI
IDBI Bank — Q2 FY2012 Earnings Presentation
23 slides from IDBI Bank's earnings presentation, October 2011
Slide 1: Presentation to Analysts
Presentation to Analysts y October 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: Distribution Network
Distribution Network • Reach • 908 branches; 1496 ATMs • 1- Overseas, 256-Metro, 344-Urban, 212-Semi Urban & 95-Rural • Presence in 613 locations • Network of : o 66 Retail Asset Centres o 31 City SME Centres o 21 Agri Processing Centres o 5 Regional Processing Units o 24 C Central t l Cl Clearing i
Slide 5: Highlights (Q2 FY12 over Q2 FY11)
Highlights (Q2 FY 12 over Q2 FY 11) (` in Crore) 155917 174441 1122 364 1006 516 OME OP PROFIT ADVANCES DEPOSITSS FEE INCO PAT NII 20% 13% 20% 23% 2% 130213 154305 1125 476 1025 429 5
Slide 6: Balance Sheet
Balance Sheet (` in Crore) As at 30-Sep-11 30-Sep-10 LIABILITIES Capital 985 984 Reserve & Surplus 14413 12958 [Net Worth] 13493 11997 Deposits 174441 154305 Borrowings 52915 49410 Other Liabilities & provisions 7638 7231 Total 250392 224888 ASSETS Cash & balance with RBI 15040 14380 Bal. with banks
Slide 7: Profit & Loss
Profit & Loss (` in Crore) Particulars Quarter Ended Half Year Ended p Sep-11 Sep-10 p Sep-11 p Sep-10 p Interest income 5812 4534 11441 8816 Interest expenses 4690 3409 9167 6847 Net Interest income 1122 1125 2274 1969 O h IIncome Other 479 535 910 1008 Total income (Net of Interest Expenses) 1601
Slide 8: Details of Other Income
Details of Other Income (` in Crore) Quarter Ended Half Year Ended FY Ended P ti l Particulars S 11 Sep-11 S 10 Sep-10 S 11 Sep-11 S 10 Sep-10 M 11 Mar-11 Commission, Excg & Brkg 320 396 588 716 1470 Profit on sale of investments 63 20 121 30 143 Profit/(Loss) on revaluation of investment -17 -14 -5
Slide 9: Details of Operating Expenses
Details of Operating Expenses (` in Crore) Quarter Ended Half Year Ended Particulars Sep-11 Sep-10 Sep-11 Sep-10 Staff Cost 266 342 510 576 Rent,, taxes & lighting g g 51 49 91 91 Printing & stationery 8 5 18 14 Advertisement & Publicity 7 20 23 24 Depreciation 31 26 58 50 Postage, Telegram, Teleph.
Slide 10: Key Ratios
Key Ratios Quarter Ended Half Year Ended FY Ended Particulars Sep-11 Sep-10 Sep-11 Sep-10 Mar-11 Net Interest Margin (%) 2 00 2.00 2 24 2.24 2 03 2.03 1 94 1.94 2 09 2.09 Return on Assets (%) 0.84 0.77 0.69 0.61 0.73 Return on Equity (%) 15.58 15.59 13.01 13.81 14.93 Cost of all liabilities (%) 7.60
Slide 11: Balance Sheet Ratios
Balance Sheet Ratios (` in Crore) 30-Sep-11 30-Sep-10 Total Business [Dep. + Adv.] 330358 284518 SB Deposits to Total Deposits 8 72% 8.72% 7 08% 7.08% Current Account Deposits to Total Deposits 10.47% 8.18% Time Deposits to Total Deposits 80.81% 84.74% Book Value - ` 137.04 121.87 Total Off B/Sheet
Slide 12: NPAs
NPAs (` in Crore) Particulars Sep-11 Sep-10 Gross Advances 157364 131136 Gross NPAs 3889 2472 Gross NPAs as % of Gross Advances 2.47 1.88 Total Provisions held 1446 923 Net Advances 155917 130213 Net NPAs 2443 1549 Net NPAs as % of Net Advances 1.57 1.19 Provision Coverage Ratio % 37.19 37.34 Provis
Slide 13: Summary of NPAs as on September 30, 2011
Summary of NPAs as on September 30, 2011 (` in Crore) For the Quarter Q arter Gross NPA Pro ision Provision Net NPA As on 01.07.2011 3288 1355 1933 Addi i Additions (First ( i Time i NPA) A) 925 265 660 Less: (i) Upgradations 127 29 98 (ii) Recoveries 106 54 52 (iii) Written off 91 91 0 As on 30.09.
Slide 14: Classification of NPAs as on September 30, 2011
Classification of NPAs as on September 30, 2011 (` in Crore)) For the Quarter Gross NPA Provision Net NPA Sub Standard Assets 2194 355 1839 Doubtful Assets 1544 941 604 Loss Assets 151 151 0 Total 3889 1446 2443 14
Slide 15: Advances
Advances (` in Crore) Vertical 30-Sep-11 30-Sep-10 Nature 30-Sep-11 30-Sep-10 ICG 27551 26090 Bills 2935 2596 LCG 47012 38398 MCG 33660 25407 CC OD CC, OD,WCDL WCDL Etc. E 35007 22464 SME 9646 11479 Term Loans- Other 117976 105153 AGRI 10815 7572 PBG 27234 21266 Total 155917 130213 TOTAL 155917 1302
Slide 16: Advances
Advances (` in Crore) OUTSTANDING COMMITED EXPOSURE TOP 20 INDUSTRY FB NFB TOTAL FB NFB TOTAL POWER 12,387.79 10,133.84 22,521.62 20,791.93 16,243.11 37,035.05 HOME LOANS 26,974.80 0.00 26,974.80 26,974.80 0.00 26,974.80 IRON AND STEEL 9,320.87 5,387.74 14,708.61 12,902.46 9,142.40 22,044.86 ROADS &
Slide 17: Restructuring
Restructuring (` in Crore) Industry Outstanding FITL Prov. Net Outstanding Financial Services 6.30 0.00 6.30 Infrastructure 282.05 0.00 282.05 Diamond Industry 95.09 0.00 95.09 Other Services 113 11 113.11 0 46 0.46 112 66 112.66 Electricity 2996.47 170.52 2825.95 Electronics 3.51 0.00 3.51 Agro Ind
Slide 18: Summary of Restructured Advances as on September 30, 2011
Summary of Restructured Advances as on September 30, 2011 (` in Crore) PA NPA Gross 7589.24 1535.31 Less: FITL Provision 232.35 32.15 Total 7356 89 7356.89 1503 16 1503.16 18
Slide 19: NPAs out of Restructured Advances as on Sep 30, 2011
NPAs out of Restructured Advances as on Sep 30,2011 (` in Crore) Industry Outstanding FITL Prov. Net Outstanding Financial Services 0.00 0.00 0.00 Infrastructure 90.37 0.00 90.37 Diamond Industry 56.39 0.00 56.39 Other Services 14.27 0.46 13.81 Electricity 47.23 0.00 47.23 Electronics 3.51 0.00 3.51
Slide 20: Investments
Investments (` in Crore) Category HTM AFS HFT Total Government securities 42031 6780 2415 51226 SASF Securities 5541 0 0 5541 Equity Shares 0 2221 7 2228 Preference Shares 98 1094 0 1192 Debentures/ b / Bonds d 21 217 2113 9 95 242 2425 Subsidiaries / Joint Ventures 603 0 0 603 Security Receipts 0 8
Slide 21: List of some strategic investments
List of some strategic investments % Holding 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 SECURITI
Slide 22: Liabilities
Liabilities (` in Crore) Deposits 30-Sep-11 30-Sep-10 Current 18265 12621 Savings 15216 10925 Term 140960 130759 Total 174441 154305 Borrowings 30-Sep-11 30-Sep-10 Tier I 3839 3839 Upper Tier II 4286 3286 L Lower Tier Ti II 7287 5851 Flexi Bonds 487 570 Omni Bonds 14871 16742 Refinance/Borrowings 12
Slide 23: Thank You
@ DBI BANK Thank You