IDBI Bank Limited · NSE:IDBI
IDBI Bank — Q3 FY2012 Earnings Presentation
23 slides from IDBI Bank's earnings presentation, January 2012
Slide 1: Presentation to Analysts January 2012
Presentation to Analysts y January y 2012
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 • 933 branches; 1518 ATMs • 1- Overseas, 259-Metro, 358-Urban, 220-Semi Urban & 95-Rural • Presence in 619 locations • Network of : o 72 Retail Asset Centres o 30 City SME Centres o 21 Agri Processing Centres o 7 Regional Processing Units o 24 C Central t l Cl Clearing i
Slide 5: Highlights (Q3 FY12 over Q3 FY11)
Highlights (Q3 FY 12 over Q3 FY 11) (` in Crore) 156217 177123 1059 361 824 410 OME OP PROFIT ADVANCES DEPOSITSS FEE INCO PAT NII 16% 18% 1% 27% 10% 11% 134491 150239 1193 358 1135 454 11.96 14.87 0.66 0.83 1.89 2.42 19.67 15.05 NIM ASA ROA ROE CA N Q3 12 Q3 11 Q3 12 Q3 11 Q3 12 Q3 11 Q3 12 Q3 11 5
Slide 6: Balance Sheet
Balance Sheet (` in Crore) As at 31-De c-11 31-De c-10 LIABILITIES C i l Capital 985 98 985 98 Reserve & Surplus 14812 13403 [Net Worth] 13903 12452 Deposits 177123 150239 Borrowings 54115 49612 Other Liabilities & provisions 8854 6861 Total 255888 221099 ASSETS Cash & balance with RBI 15899 11211 B
Slide 7: Profit & Loss
Profit & Loss (` in Crore) Quarter Ende d Nine Months Ended Particulars Dec-11 De c-10 Dec-11 Dec-10 Interest income 5849 4702 17290 13518 Interest expenses 4790 3508 13957 10355 Net Interest income 1059 1193 3334 3162 Other Income 432 458 1342 1466 Total income 1491 1651 4676 4628 Operating Expense
Slide 8: Details of Other Income
Details of Other Income (` in Crore) Quarter Ended Nine Months Ended FY Ended Particulars Dec-11 Dec-10 Dec-11 Dec-10 Mar-11 Commission, Excg & Brkg 297 292 884 1008 1470 Profit on sale of investments 40 65 161 95 143 Profit/(Loss) on revaluation of investment 8 -12 12 -45 45 -24 24 -20 20 Profit on
Slide 9: Details of Operating Expenses
Details of Operating Expenses (` in Crore) Quarter Ended Nine Months Ended Particulars Dec 11 Dec-10 Dec-11 Dec 10 Dec-11 Dec 11 Dec-10 Dec 10 Staff Cost 294 166 804 742 Rent, taxes & lighting g g 58 59 150 150 Printing & stationery 12 11 30 25 Depreciation 27 48 86 98 P t Telegram, Postage, Tl Tele
Slide 10: Key Ratios
Key Ratios Quarter Ended Nine Months Ended F.Y. Ended Particulars Dec-11 Dec-10 Dec-11 Dec-10 Mar-11 Net Interest Margin 1 89% 2.42% 1.89% 2 42% 2 00% 2.11% 2.00% 2 11% 2 11% 2.11% Return on Assets 0.66% 0.83% 0.68% 0.68% 0.73% Return on Equity 11.96% 14.87% 12.66% 14.30% 14.93% Cost of all liabilit
Slide 11: Balance Sheet Ratios
Balance Sheet Ratios (` in Crore) 31-Dec-11 31-Dec-10 Total Business [Dep. + Adv.] (Rs. In crore) 333340 284729 SB Deposits to Total Deposits 9.57% 7.71% Current Account Deposits to Total Deposits 10.10% 7.34% Time Deposits to Total Deposits 80.33% 84.95% Book Value - Rs. 141.20 126.48 Total Off B/S
Slide 12: NPAs
NPAs (` in Crore) Particulars Dec-11 Dec-10 Gross Advances 157799 135902 Gross NPAs 4640 3021 Gross NPAs as % of Gross Advances 2.94 2.22 Total Provisions held 1582 1411 Net Advances 156217 134491 Net NPAs 3058 1610 Net NPAs as % of Net Advances 1.96 1.2 Provision Coverage Ratio 34.10 46.71 Provisio
Slide 13: Summary of NPAs as on December 31, 2011
Summary of NPAs as on December 31, 2011 (` in Crore) For the Quarter Gross NPA Provision Net NPA As on 01.10.2011 3889 1447 2443 Additions (First Time NPA) 1234 464 769 Less: (i) Upgradations 161 35 127 (ii) Recoveries 100 72 28 (iii) Write W it offff 222 222 0 As on 31.12.2011 4640 1582 3058 13
Slide 14: Classification of NPAs as on December 31, 2011
Classification of NPAs as on December 31, 2011 (` in Crore)) FFor the th Quarter Q t G NPA Provision Gross P ii N t NPA Net Sub Standard Assets 2 714 426 2 288 Doubtful Assets 1 824 1 054 770 Loss Assets 102 102 0 Total 4640 1582 3058 14
Slide 15: Advances
Advances (` in Crore) Vertical 31-Dec-11 31-Dec-10 ICG 28314 25742 Nature 31-Dec-11 31-Dec-10 LCG 46912 36634 Bil s 3011 2364 MCG 32787 28838 SME 8946 11905 CC, OD,WCDL ETC 36321 27681 AGRI 11940 8744 Term Loans- Other 116885 104445 PBG 27317 22628 TOTAL 156217 134491 Total 156217 134491 Maturity Pr
Slide 16: Advances
Advances (` in Crore) OUTSTANDING COMMITED EXPOSURE INDUSTRY FB NFB TOTAL FB NFB TOTAL POWER 12,892.41 11,628.04 24,520.44 19,741.71 17,661.72 37,403.42 IRON AND STEEL 9,219.28 5,958.32 15,177.59 14,773.67 8,582.76 23,356.44 ROADS & BRIDGES / PORTS 6,796.42 6,015.16 12,811.58 9,654.90 9,915.35 19,57
Slide 17: Summary of Restructured Advances as on December 31, 2011
Summary of Restructured Advances as on December 31, 2011 (` in Crore)) Particulars PA NPA TOTAL Gross 7 697 697.05 05 2197.84 2197 84 9894.90 9894 90 Less: FITL Provision 291.13 81.44 372.57 Ttl Total 7405 92 2116.40 7405.92 2116 40 9522.32 9522 32 17
Slide 18: Restructuring
Restructuring (` in Crore) Indus try Outs tanding FITL Prov. Net Outs tanding Agro Indus tries 182.76 0.00 182.76 Air Trans port 736.04 0.00 736.04 Chemical & Fertilizers 188.31 4.97 183.34 Diamond Indus try 93.72 0.00 93.72 Electical Machinery 483.30 27.75 455.55 Electricity 2 989.94 173.26 2 816.6
Slide 19: NPAs out of Restructured Advances as on Dec 31, 2011
NPAs out of Restructured Advances as on Dec 31,2011 (` in Crore) Industry Outstanding FITL Prov. Net Outstanding Agro Industries 34.83 0.00 34.83 Air Transport 736.04 0.00 736.04 Chemical & Fertilizers 28 88 28.88 4 97 4.97 23 91 23.91 Diamond Industry 8.24 0.00 8.24 Electical Machinery 358.19 15.50
Slide 20: Investments
Investments (` in Crore) Category HTM AFS HFT Total Government Securities 44592.66 7583.80 458.98 52635.44 SASF Securities 5541.00 - - 5541.00 pp Other approved securities 1.55 - - 1.55 Shares (Equity) - 2449.46 9.45 2458.91 Shares (Preference) - 1175.21 - 1175.21 Debentures/ Bonds 214 22 214.22 219
Slide 21: List of some strategic investments
List of some strategic investments Sr.No. Name of Company % Holding 1 IDBI MF TRUSTEE COMPANY LTD. 100.00 2 IDBI INTECH LIMITED 100.00 3 IDBI CAPITAL MARKET SERVICES LIMITED 100.00 4 IDBI ASSET MANAGEMENT LTD LTD. 66 67 66.67 5 IDBI TRUSTEESHIP SERVICES LIMITED 54.70 6 IDBI FEDERAL LIFE INSURANCE CO
Slide 22: Liabilities
Liabilities (` in Crore) Deposits 31-Dec-11 31-Dec-10 Borrowings 31-Dec-11 31-Dec-10 Tier I 3839 3839 Current 17881 11020 Upper Tier II L Lower Tier Ti II 4286 8033 3286 5851 Savings 16958 11588 Flexi Bonds Omni Bonds 474 14125 567 16205 Refinance/Borrowings 13245 11167 Term 142284 127630 SLR Bonds
Slide 23: Thank You
@ DBI BANK Thank You