Indian Bank · NSE:INDIANB
Indian Bank — Q2 FY2025 Earnings Presentation
51 slides from Indian Bank's earnings presentation, Oct 28, 2024
Slide 1: Exchange filing cover letter
निवेशक सेवाएँ कक्ष INVESTOR SERVICES CELL Ref. No.: ISC/254/2024-25 Date: 28.10.2024 The Vice President The Vice President National Stock Exchange of India Ltd. BSE Ltd. Exchange Plaza,Bandra- Kurla Complex 25, P. J. Towers Bandra East, Mumbai-400 051 Dalal Street, Mumbai-400001 NSE Symbol: INDIANB
Slide 2: Performance Analysis Q2 / H1 FY25
SNA T sRuate & Indian Bank SaTeTaTe AULAHABAD ATE ATA FH, EBSA AT ATT YOUR OWN BANK, ALWAYS WITH YOU Performance Analysis Q2 / H1 FY25 Ind Digi Home Loan Ind Rupee Gain Ind Lakhpati Didi Home Loan at your fingertips, For NRis/PIOs-Earn more Empowering Women freedom at your doorstep interest than reg
Slide 3: Contents
Contents Page Performance Highlights 3 Business Snapshot 6 Financials 14 Capital & Risk Management 24 Asset Quality 27 Financial Inclusion 34 Digital Banking & Business Network 36 ESG, Group Entities & Awards 43 2/50
Slide 4: Performance Highlights
Performance Highlights Q2FY25 (YoY) 3/50
Slide 5: Highlights Q2FY25 (YoY)
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Business Deposits Advances CD Ratio CASA : 5% Q2FY25 ₹ 12.44 lakh Cr ₹ 6.93 lakh Cr ₹ 5.51 lakh Cr SB: 4% 79.44% 12% CA: 8% 10% 8% Business MSME RAM Retail Agriculture C
Slide 6: Consistent Performance
Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Consistent Performance Business (₹ lakh Cr) Profit (₹ in Cr) Net Interest Income (₹ in Cr) CRAR (%) 12.2 12.4 16840 23274 10.9 15271 16.55 10.1 20225 16.53 16.49 9.3 16.
Slide 7: Business Snapshot
Barta 4% indian Bank Business Snapshot \4 6/50
Slide 8: Business Snapshot
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Business Snapshot ₹ in Cr Domestic Deposits Sl No Parameter 30.09.2023 30.06.2024 30.09.2024 QoQ (%) YoY (%) Domestic Deposits 619969 654030 664291 1 Deposits 640803 681
Slide 9: Advances (Domestic)
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Advances (Domestic) ₹ in Cr Sector 30.09.2023 30.06.2024 30.09.2024 YoY (%) Retail 30.09.2023 30.06.2024 30.09.2024 YoY (%) Gross Advances-Domestic 458681 502618 513318
Slide 10: Priority Sector
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Priority Sector ₹ in Cr Achievement RBI Benchmark Mandatory Target Segment (as on 30.09.24) (Excluding PSLC) (as % of ANBC) (Amount) Amount % Surpassed all the Priority
Slide 11: Sector Deployment-Domestic Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Sector Deployment-Domestic Advances ₹ in Cr % share % share YoY Sector 30.09.2023 to Gross 30.09.2024 to Gross (%) Advances Advances Infrastructure 55999 12 58489 11 4 o
Slide 12: External Rating-wise Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality External Rating-wise Advances ₹ in Cr External Rating 30.09.2023 30.06.2024 30.09.2024 (More than Rs. 10 Cr, For CRE/MSME > Rs. 25 Cr) Exposure % to Total Exposure % to
Slide 13: Standard NBFC Advances
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality ₹ in Cr Standard NBFC 30.09.2023 % 30.06.2024 % 30.09.2024 % NBFC - HFCs 16845 30% 16141 29% 11328 19% Standard NBFC NBFC - PSUs 4380 8% 1278 2% 6780 11% Advances NBFC -
Slide 14: Investments (Domestic)
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Investments (Domestic) ₹ in Cr S No Details 30.09.2023 30.06.2024 30.09.2024 YoY (%) Investment Portfolio 1 SLR Investments 160699 166707 169702 6 210304 215263 Of which
Slide 15: Financials
Financials 14/50
Slide 16: Operating Profit & Net Profit
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Operating Profit & Net Profit ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2023 30.06.2024 30.09.2024 QoQ (%) YoY (%) 30.09.2023 30.09.2024 Yo
Slide 17: Income
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Income ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2023 30.06.2024 30.09.2024 QoQ (%) YoY (%) 30.09.2023 30.09.2024 YoY (%) 31.03.2024 1 Inte
Slide 18: Fee Income
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Fee Income ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2023 30.06.2024 30.09.2024 QoQ (%) YoY (%) 30.09.2023 30.09.2024 YoY (%) 31.03.2024 1
Slide 19: Expenses
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Expenses ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2023 30.06.2024 30.09.2024 QoQ (%) YoY (%) 30.09.202330.09.2024 YoY (%) 31.03.2024 1 Int
Slide 20: Overhead Expenses
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Overhead Expenses ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2023 30.06.2024 30.09.2024 QoQ (%) YoY (%) 30.09.2023 30.09.2024 YoY (%) 31.03.
Slide 21: Provisions & Net Profit
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Provisions & Net Profit ₹ in Cr Quarter Ended Half Year Ended Year Ended Sl No Components 30.09.2023 30.06.2024 30.09.2024 QoQ (%) YoY (%) 30.09.2023 30.09.2024 YoY (%)
Slide 22: Performance Ratios
Capital & Performance Balance Balance Capital & Risk Shareholding Shareholding Asset Asset Business Business Investment Investment Financials Risk Highlights Sheet Sheet Management && Ratings Ratings Quality Quality Management Performance Ratios % Annualized Quarter Ended Half Year Ended Year Ended
Slide 23: Performance Ratios
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Performance Ratios % Annualized Cost of Deposits Yield on Advances Cost of Funds Yield on Funds 8.28 8.38 8.72 8.73 7.49 7.76 7.03 6.8 7.45 7.21 4.99 5.17 4.88 5.09 4.43
Slide 24: Balance Sheet
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Balance Sheet ₹ in Cr Liabilities 30.09.2023 30.06.2024 30.09.2024 Capital 1245 1347 1347 Reserves & Surplus 50416 59456 62754 Deposits 640803 681183 693115 Borrowings 2
Slide 25: Capital & Risk Management
Capital & Risk Management 24/50
Slide 26: Capital & Risk Management
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Capital & Risk Management ₹ in Cr CET 1 Additional Tier I Tier II S No Parameters 30.09.2023 30.06.2024 30.09.2024 1 Common Equity Tier I (CET 1) 42680 53054 53560 2.54%
Slide 27: Shareholding, Ratings and Capital Plan
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Shareholding as on 30.09.2024 Ratings Domestic Rating Agency Issuer AT-1 Tier-II Infrastructure Certificate Rating Bond of Deposit Mutual Funds: 12.27% CRISIL - AA+/ Sta
Slide 28: Asset Quality
Asset Quality 27/50
Slide 29: Asset Quality
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Asset Quality Gross NPA Net NPA ₹ Cr Gross NPA (%) Net NPA (%) 38455 9.85 35214 12271 8.47 3.37 8849 28180 5.95 2.27 3.95 3.48 21106 4044 0.9 19148 0.43 0.27 2223 1445 F
Slide 30: Movement of NPA
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Movement of NPA ₹ in Cr Quarter Ended Half Year Ended Year Ended S No Details 30.09.2023 30.06.2024 30.09.2024 30.09.2023 30.09.2024 31.03.2023 31.03.2024 Fresh slippage
Slide 31: Sector-wise NPA
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Sector-wise NPA ₹ in Cr 30.09.2023 30.06.2024 30.09.2024 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio
Slide 32: NCLT and NARCL accounts
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality ₹ in Cr 30.09.2024 Category No.of Exposure Provision PCR% Accounts RBI List I 6 1223 1223 100% RBI List II 10 2849 2849 100% NCLT Accounts filed by Bank 30 1358 1358 100
Slide 33: Special Mention Account (SMA) ₹5 Cr and above
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Special Mention Account (SMA) ₹5 Cr and above ₹ in Cr 30.09.2023 30.06.2024 30.09.2024 % to % to % to Respective Respective Respective Sector SMA 1 SMA 2 Total Sector SM
Slide 34: Covid Restructuring (sector-wise)
Performance Balance Capital & Risk Shareholding Asset Highlights Business Investment Financials Sheet Management & Ratings Quality Covid Restructuring (sector-wise) ₹ in Cr Reduction during the Addition during the QE Sep'24 QE Sep'24 Outstanding as Outstanding as Addition Recovery on 30.06.2024 Upgr
Slide 35: Financial Inclusion
Financial Inclusion \% 34/50
Slide 36: Financial Inclusion
Joint Venture Financial Digital Business & Regional Awards & HRM ESG Inclusion Footprint Network Subsidiaries Rural Banks Accolades Financial Inclusion Number of Enrolments (in Lakhs)* Sep'23 Jun'24 Sep'24 S No FI Parameters Sep'23 Jun'24 Sep'24 167 176 1 BCs engaged (Nos.) 10825 11945 12993 125 74
Slide 37: Digital Banking & Business Network
Digital Banking & Business Network 36/50
Slide 38: Digital Transactions Vs Manual Transactions
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Digital Transactions Vs Manual Transactions Digital Transactions Manual Transactions % 91 87 82 74 64 36 26 18 13 9 FY21 FY22 FY23 FY24 HYE FY25 37/50
Slide 39: Expanding Digital Footprint – HYE Sep’24
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Expanding Digital Footprint – HYE Sep’24 2X YoY growth (₹ 10103 Cr) 49% YoY growth in amount 1.5X YoY growth in amount 92% YoY growth in amount in Digital Liability Bus
Slide 40: Major IT Infrastructure & Digital Initiatives
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Major IT Infrastructure & Digital Initiatives Customer Feedback Fintech collaboration Global Fintech Festival Cyber Security API Integration Portal • Integration with G
Slide 41: Digital Banking
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Digital Banking In lakhs Mobile Banking UPI Users Transactions Users Remitter Transactions YoY YoY YoY 20% 10% YoY 27% 62% 181 195 151 159 176 154 7989 12946 Sep-23 Sep
Slide 42: Branch and ATM network
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries 30.09.2024 Region-wise Domestic ATMs & Branches BNAs 5856 5217 Northern Overseas 691 12993 Branches Business 3 + 1 IBU Correspondents 141 (GIFT City branch) Central 142
Slide 43: HRM Initiatives
Joint Venture Financial Digital Business Regional Awards & HRM ESG & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Domestic Average % of Female Total Male Female (As on 30.09.24) age of staff staff Officers 25778 18433 7345 38 28% Clerks 12597 8082 4515 38 36% Sub-staff 2065 1783 28
Slide 44: ESG, Group Entities & Awards
ESG, Group Entities & Awards 43/50
Slide 45: Environmental, Social, Governance
Joint Venture Financial Digital Business & Regional Awards & HRM ESG Inclusion Footprint Network Subsidiaries Rural Banks Accolades Environmental Social Governance New Smart Office (e-Note & e-Committee) solution Rural Development: 37 RSETI Centres (INDSETIs) • Well defined policies and SOPs trained
Slide 46: Employee Engagement
Joint Venture Financial Digital Business & Regional Awards & HRM ESG Inclusion Footprint Network Subsidiaries Rural Banks Accolades Employee Engagement Family Sports Day Swachhata Hi Seva Ann Sewa Abhiyaan The event was organised as part of Bank’s 118 th Foundation Day encouraging physical fitness a
Slide 47: Joint Venture & Subsidiary
Financial Joint Digital Business Regional Awards & Inclusion HRM ESG Venture & Footprint Network Rural Banks Accolades Subsidiaries Joint Venture & Subsidiary Subsidiary Wholly Owned Joint Venture Subsidiary ▪ Consortium of credible Public & Private ▪ In the business of Stock Broking & DP ▪ Incorpor
Slide 48: Regional Rural Banks
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Regional Rural Banks ₹ in Cr Tamil Nadu Grama Bank Saptagiri Grameena Bank Puduvai Bharathiar Grama Bank Total of 3 RRBs Total Parameters HYE HYE HYE HYE YE FY24 FY24 F
Slide 49: Awards & Accolades
Joint Financial Digital Business Regional Awards & HRM ESG Venture & Inclusion Footprint Network Rural Banks Accolades Subsidiaries Awards & Accolades Official Language Awards Agri Infra Fund Awards 'First Prize' for its Outstanding The Rajbhasha Kirti Puraskar Target Achiever (3rd Position) in BEST
Slide 50: Disclaimer
Disclaimer This presentation has been prepared by Indian Bank (the “Bank”) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. Certain forward-looking statements in these slides involve a number of risks, u
Slide 51: Thank You
Thank You