Idbi Bank Limited · NSE:IDBI
Idbi Bank — Q4 FY2024-25 Earnings Presentation
43 slides from Idbi Bank's earnings presentation, Apr 28, 2025
Slide 1: Investors Presentation: Financial Results Q4 FY 2024-25
INVESTORS PRESENTATION FINANCIAL RESULTS Q4 - FY 2024-25 April 28, 2025 Page 1
Slide 2: Disclaimer
Disclaimer The information in this presentation is being provided by IDBI Bank Limited (referred to as ‘the Bank’). The information contained in this presentation is confidential and may not be copied, published, distributed, transmitted or advertised in any media, website or otherwise. By attending
Slide 3: Contents
Contents 01 Highlights 06 Capital Financial Performance 02 Digital banking 07 03 Business Performance 08 Financial Inclusion Treasury Operations 04 Subsidiaries 09 05 Asset Quality 10 Way Forward Page 3
Slide 4: Highlights
|) IDB! BANK Highlights
Slide 5: Major Highlights for Q4 FY 2025 – Sustained Strong Performance
Major Highlights for Q4 FY 2025 – Sustained Strong Performance PAT - ₹2051 crore PBT - ₹2962 crore Total RWA - ₹193485 crore Total CRAR - 25.05% Tier 1 Capital – 23.51% Operating Profit - ₹3195 crore Yield on advances - 9.29% Cost of deposit – 4.83% Cost of funds – 4.97%. ROA – 2.11% ROE – 20.40% Ne
Slide 6: Key Metrics for Q4 FY 2025
Key Metrics for Q4 FY 2025 Profitability - Strong operating momentum PAT at ₹2051 crore, up by 26% YoY and 7% QoQ PBT at ₹2962 crore, up by 44% YoY and 12% QoQ Operating Profit at ₹3195 crore, up by 47% YoY and 14% QoQ NII at ₹3290 crore and NIM at 4% ROA at 2.11%, up by 29 bps YoY and 12
Slide 7: Key Metrics for Q4 FY 2025 (contd.)
Key Metrics for Q4 FY 2025 (contd.) Asset Quality - Improving Trend Net NPA at 0.15%, reduction of 19 bps YoY and 3 bps QoQ GNPA at 2.98%, reduction of 155 bps YoY and 59 bps QoQ PCR stood at 99.48%, improved by 39 bps YoY and 1 bps QoQ SMA to standard advance stood at 1.51% against 1.77% as
Slide 8: Financial Performance
Financial Performance Page 8
Slide 9: Profit & Loss
Profit & Loss ( ₹ Crore) Quarter ended Variance FY Ended Particulars Variance% Mar-24 Dec-24 Mar-25 YoY% QoQ% Mar-24 Mar-25 Interest Income 6990 7816 6979 (0.16) (11) 26426 28902 9 Interest Expenses 3302 3587 3689 12 3 12240 14276 17 Net Interest Income 3688 4228 3290 (11) (22) 14186 14626 3 Other I
Slide 10: Net Interest Income
Net Interest Income ( ₹ Crore) Quarter ended Variance FY Ended Particulars Variance% Mar-24 Dec-24 Mar-25 YoY% QoQ% Mar-24 Mar-25 Interest Income Interest on Advances 4762 4825 4720 (1) (2) 17971 19226 7 Interest on Investments 2068 2062 2075 0.3 1 7738 8255 7 Interest balances with RBI & Other Inte
Slide 11: Other Income
Other Income ( ₹ Crore) Quarter ended Variance FY Ended Particulars Variance% Mar-24 Dec-24 Mar-25 YoY% QoQ% Mar-24 Mar-25 Commission, exchange and brokerage 534 507 593 11 17 1946 2070 6 Profit/ (Loss) on sale of investments 203 255 287 41 13 708 900 27 Profit/(Loss) on revaluation of investments (
Slide 12: Provisions & Contingencies
Provisions & Contingencies ( ₹ Crore) Quarter ended FY Ended Particulars Mar-24 Dec-24 Mar-25 Mar-24 Mar-25 Depreciation on Investment 43 44 1361 284 454 Provision – NPAs (693) (4) (2759) (671) (4368) Provision – Standard Assets (306) 84 675 (161) 2746 Provision - Restructured Assets 16 (14) (11) (1
Slide 13: Yield Ratios (Cumulative)
Yield Ratios (Cumulative) Yield on Advances NIM 4.93 4.75 10.90 4.53 4.56 10.42 10.17 9.82 9.94 4.18 FY 24 Jun-24 Sep-24 Dec-24 FY 25 FY 24 Jun-24 Sep-24 Dec-24 FY 25 Cost to Income Ratio 48.60 46.10 44.92 44.50 43.33 FY 24 Jun-24 Sep-24 Dec-24 FY 25 Page 13
Slide 14: Cost of Deposits & Cost of Funds (Cumulative)
Cost of Deposits & Cost of Funds (Cumulative) Cost of Deposits Cost of Funds 4.81 4.84 4.83 4.87 4.56 4.62 4.62 4.68 4.58 4.30 FY 24 Jun-24 Sep-24 Dec-24 FY 25 FY 24 Jun-24 Sep-24 Dec-24 FY 25 Page 14
Slide 15: Business Performance
Business Performance Page 15
Slide 16: Balance Sheet
Balance Sheet ( ₹ Crore) As at Mar-24 Dec-24 Mar-25 LIABILITIES Capital 10752 10752 10752 Reserve & Surplus 39129 44518 49499 Deposits 277657 282439 310294 Borrowings 17083 18747 19882 Other Liabilities & Provisions 18957 20631 21234 Total 363578 377087 411661 ASSETS Cash & Balance with RBI 13991 13
Slide 17: Total Deposit, CASA and Deposit Mix
Business Performance ( ₹ Crore) Total Deposit CASA CASA Deposits 12% YoY 50.43% 46.56% 310294 46.35% CASA Share 282439 10% QoQ 277657 144479 140027 130899 Mar 24 Dec 24 Mar 25 Mar 24 Dec 24 Mar 25 Deposit Mix Deposit Mix 49.57% 53.65% 53.44% Time Deposits to Total Deposits % 1% QoQ 82372 9% YoY 8308
Slide 18: Saving, Current, Retail and Bulk Deposits
Business Performance ( ₹ Crore) Saving Deposits Current Deposits 9% YoY 27% YoY 1% QoQ 30% QoQ 62108 91013 49014 47819 83080 82372 Mar 24 Dec 24 Mar 25 Mar 24 Dec 24 Mar 25 Retail Deposits Bulk Deposits 4% YoY 59% YoY 2% QoQ 22% QoQ 99278 97132 66537 95847 54408 41783 Mar 24 Dec 24 Mar 25 Mar 24 Dec
Slide 19: Business Performance and Advances
Business Performance and Advances Gross Advances as on Mar 25 – ₹224757 crore (₹ Crore) Structured Retail Advances Non-Structured Retail Advances Corporate Advances Housing Loan Gold Loan LCG MCG Loan Against Property Agri Auto Loan, Education Loan & Personal Loan MSME Bulk business/Centralised busi
Slide 20: Advances Composition
Advances Composition Gross Advances as on March 25 – ₹224757 crore MAR-25 30% 9707 20236 70% 93727 52502 Retail Corporate MAR-25 6% 48585 PL Industry Services Agriculture others 94% Domestic Overseas Basis: Occupation Code Personal Loans includes Housing Loan, Education Loan, Auto Loans & Other Reta
Slide 21: Standard Gross Advances and Net Advances
Business Performance ( ₹ Crore) Standard Gross Advances Corporate Retail 218062 206441 187977 16% YoY 146774 151855 132907 6% QoQ 59667 66207 55070 Mar-24 Dec-24 Mar-25 Net Advances 218399 16% YoY 206807 188621 6% QoQ Mar 24 Dec 24 Mar 25 Page 21
Slide 22: Priority Sector
Priority Sector ( ₹ Crore) Mar 24 Dec 24 Mar 25 Growth over Particulars Amount % of ANBC Amount % of ANBC Amount % of ANBC March-24 1 2 3 4 5 6 7 (8)=[(6)-(2)] ANBC 166052 180951 195047 Priority Sector Advances (a+b+c) 77921 46.93 77728 42.96 80298 41.17 2377 (a) Agriculture (i+ii+iii+iv) 32254 19.4
Slide 23: Treasury Operations
|) ENS Treasury Operations Page 23
Slide 24: Investments
Investments ( ₹ Crore) AFS BREAKUP 170 687 Category Mar-24 Dec-24 Mar-25 627 HTM 74910 79309 79663 AFS 34802 23301 25104 HFT ( FVTPL – HFT 5222 16875 11957 since April 1, 2024) FVTPL - Non HFT - 401 399 SJA - 344 344 Government securities 23620 Shares (Equity& Preference) Total 114934 120230 117467
Slide 25: Asset Quality
|) IDB! BANK Asset Quality
Slide 26: COVID-19 – Provision Details
COVID -19 – Provision Details ( ₹ Crore) Particulars Mar-24 Dec-24 Mar-25 COVID Provision 116 116 - COVID Restructuring Provision 240 204 201 Total COVID 19 Provision held 356 320 201 Contingency Provision on Std. Restr. under RF 1, RF 2 and MSME OTR 1862 1485 1406 Page 26
Slide 27: PCR improved to 99.48% (Mar 2025) from 99.09% (Mar 2024)
Asset Quality PCR improved to 99.48% (Mar 2025) from 99.09% (Mar 2024) ( ₹ Crore) Particulars Mar-24 Dec-24 Mar-25 Gross Advances 196894 214076 224757 Gross NPAs 8917 7635 6695 Gross NPAs as % of Gross Advances 4.53 3.57 2.98 Total Provisions held (including NCLT Provision) 8273 7269 6358 Net Advanc
Slide 28: NPA Movement
NPA Movement ( ₹ Crore) DESCRIPTION Q4 FY 24 Q3 FY 25 Q4 FY 25 FY 24 FY25 Opening Balance 8589 7653 7635 10969 8917 Add: a. First Time NPA 1835 463 334 3363 1621 b. Increase in existing NPA 17 61 12 196 303 Less: c. Settled 386 212 322 1117 2195 d. Up-gradation 705 133 302 1509 826 e. Written off 43
Slide 29: SMA Position
SMA Position ( ₹ Crore) SMA 0 SMA 1 SMA 2 4236 3331 3294 1518 1435 1317 1283 1140 1027 987 1083 1071 Mar-24 Dec-24 Mar-25 Corporate Retail 3304 4236 3294 27 Mar-24 Dec-24 Mar-25 SMA includes NFB of ₹ 2 cr, ₹ 3 cr and ₹ 0.77 cr as on Mar 31, 2024, Dec 31, 2024 and Mar 31, 2025 respectively. Page 29
Slide 30: Capital
|) IDB! BANK Capital Page 30
Slide 31: Capital Adequacy
Capital Adequacy (₹ Crore) Particulars Mar-24 Dec-24 Mar-25 CET 1+CCB (₹) 35504 37363 45492 AT 1 (₹) - - - Tier 1 Capital (₹) 35504 37363 45492 Tier 2 Capital (₹) 3793 3880 2978 Total Capital (₹) 39297 41243 48471 RWA (₹) 176531 187678 193485 Credit Risk 137194 151557 158859 Market Risk 15073 8348 6
Slide 32: Shareholding Pattern
Shareholding Pattern ( ₹ Crore) Mar 2024 Mar 2025 0.62% 4.66% 0.64% 4.64% 45.48% 45.48% 49.24% 49.24% LIC GOI FI/FPI/Banks/MF/Insurance Others LIC GOI FI/FPI/Banks/MF/Insurance Others Particulars Mar-24 Mar-25 Book Value ( ₹ per share) ₹39.00 ₹46.24 Market Capitalisation ₹87,094 ₹83,546 52 Weeks Hig
Slide 33: Digital Banking & Financial Inclusion
Digital Banking & Financial Inclusion Page 33
Slide 34: Digital Footprint
Digital Footprint Customer Induced Financial Transaction Analysis Mar 2024 Mar 2025 UPI 1.30% 0.35% 1.28% 1.48% 1.37% 1.67% 1.37% ATM Cash withdrawl 1.63% Branch Manual Transactions 0.76% 3.31% 0.20% 2.11% 2.51% Debit Card 1.32% 4.65% 2.76% 3.19% Branch Initiated Digital Transactions 3.91% 97% custo
Slide 35: Digital Footprint for Q4 FY 2025
Digital Footprint for Q4 FY 2025 Internet Banking Users (In Lakhs) BHIM UPI Users (In Lakhs) Mobile Banking Users (In Lakhs) 9.00 8.48 79.87 43.83 72.51 34.74 Mar-24 Mar-25 Mar-24 Mar-25 Mar-24 Mar-25 Merchant Base (In Lakhs) UPI Transactions ( ₹ Crore) Payment Acceptance Channels 1% 3% 4.23 89812 3
Slide 36: Financial Inclusion
|) IDB! BANK Financial Inclusion Page 36
Slide 37: Financial Inclusion: PMJDY and Business Correspondent Transactions
Financial Inclusion PMJDY Total PMJDY A/c (lakh) 3455 3164 3179 3319 21.43 3113 740.70 19.07 633.09 18.88 592.50 584.23 600.11 18.72 18.76 Mar, 2024 June, 2024 Sep, 2024 Dec,2024 Mar, 2025 Mar, 2024 June, 2024 Sep, 2024 Dec,2024 Mar, 2025 PMJDY O/s Balance (cr.) Average Balance (₹ ) Transactions thr
Slide 38: MUDRA Yojana and Social Security Scheme Enrolment
Financial Inclusion MUDRA Yojana as on Mar 31, 2025 Sanction Outstanding ( ₹ Crore) 6649 4191 4077 2086 458 250 113 95 Shishu (No. of A/c - 115445) Kishor (No. of A/c - 159048) Tarun (No. of A/c - 80465) Tarun plus (No. of A/c - 594) Active Enrolment under Social security Scheme as on Mar 31, 2025 A
Slide 39: Subsidiaries
|) IDB! BANK Subsidiaries Page 39
Slide 40: Subsidiaries
Subsidiaries (₹ Crore) Income PAT RoA Net Worth Name of Company % Holding Line of Activity FY 2025 FY 2025 FY 2025 FY 2025 132.07 23.69 6.79% 361.13 IDBI Capital Market & Securities Ltd. 100 Merchant Banking & Retail Broking (113.42) (7.35) (2.09%) (337.44) 147.57 6.18 5.00% 123.73 IDBI Intech Ltd.
Slide 41: Way Forward
|) IDB! BANK Way Forward Page 41
Slide 42: Looking Ahead : Focus Area
Looking Ahead : Focus Area Continue to have RoA and RoE of above 1.50% Focus on maximising fee income and and 15% respectively. maintaining NIM above 3.50%. Target to CRAR to be maintained maintain CASA ratio above 45% above 18%. To maintain cost to income Credit cost and net ratio below 48% by
Slide 43: Thank You
|) IDB! BANK THANK YOU www.idbibank.in §§Q@idbi_bank [FJ /DBIBank (G) @idbibankofficial CVYoulubesidbibank J /idbibank Aouad aa hue eeireen ela Page 43