IDBI Bank Limited · NSE:IDBI
IDBI Bank — Q2 FY2013 Earnings Presentation
24 slides from IDBI Bank's earnings presentation, October 2012
Slide 1: Presentation to Analysts October 2012
Presentation to Analysts October 2012
Slide 2: Genesis
Genesis 1964- 1964-1976 1994- 1994- 00 2003 - 06 2007- 2007- 10 Set up by an IDBI Act IDBI Repeal Act Complete 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 banking Organization th
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 Investments generated – ` 4000 billion (approx.) (over USD 80 bn) o Significant player in domestic debt syndication. • Played a pivotal
Slide 4: Distribution Network
Distribution Network • Reach • 998 branches; 1591 ATMs • 1- Overseas, 268-Metro, 377-Urban, 244-Semi Urban & 108-Rural • Presence in 678 locations • Network of : o 72 Retail Asset Centres o 33 MSME Processing Centres o 22 Agri Processing Centres o 6 Regional Processing Units o 25 Central Clearing Un
Slide 5: Highlights (Q2FY13 over Q2FY12)
Highlights (Q2FY 13 over Q12FY 12) (` in Crore) 166370 180087 1249 566 1180 484 FEE INCOME OP PROFIT ADVANCES DEPOSITS PAT NII 7% 3% 55% 18% 11% %9 155475 174441 1122 364 998 516 2.05 15.58 0.84 2.01 21.94 ROE ROA CASA 19.19 0.73 NIM 10.62 Sep 12 Sep 11 Sep12 Sep11 Sep12 Sep11 Sep 12 Sep 11 5
Slide 6: Balance Sheet
Balance Sheet (` in Crore) As at 30-Sep-12 30-Sep-11 LIABILITIES Capital 1278 985 Reserve & Surplus 18993 14413 [Net Worth] 18455 13493 Deposits 180087 174441 Borrowings 54960 52915 Other Liabilities & provisions 8215 7197 Total 263535 249951 ASSETS Cash & balance with RBI 13703 15040 Bal. with bank
Slide 7: Profit & Loss
Profit & Loss (` in Crore) Quarter Ended Half Year Ended Particulars Sep-12 Sep-11 Sep-12 Sep-11 Interest income 6197 5812 12467 11441 Interest expenses 4948 4690 9947 9167 Net Interest income 1249 1122 2520 2274 Other Income 683 471 1203 893 Total income 1932 1593 3723 3168 Operating Expenses 753 5
Slide 8: Details of Other Income
Details of Other Income (` in Crore) Quarter Ended Half Year Ended FY Ended Particulars Sep-12 Sep-11 Sep-12 Sep-11 Mar-12 Commission, Excg & Brkg 516 343 884 634 1531 Profit on sale of investments 20 63 35 121 188 Profit/(Loss) on revaluation of investment 13 -26 44 -70 -39 Profit on sale of Fixed
Slide 9: Details of Operating Expenses
Details of Operating Expenses (` in Crore) Quarter Ended Half Year Ended Particulars Sep-12 Sep-11 Sep-12 Sep-11 Staff Cost 386 266 703 510 Rent, taxes & lighting 62 51 125 91 Printing & stationery 11 8 20 18 Advertisement & Publicity 2 7 5 23 Depreciation 26 31 55 58 Postage, Telegram, Teleph., etc
Slide 10: Key Ratios
Key Ratios Quarter Ended Half Year Ended Particulars Sep-12 Sep-11 Sep-12 Sep-11 Net Interest Margin 2.05% 2.01% 2.07% 2.04% Return on Assets 0.73% 0.84% 0.68% 0.69% Return on Equity 10.62% 15.58% 10.40% 13.03% Cost of all liabilities 7.46% 7.60% 7.43% 7.42% Yield on Total Assets 10.37% 10.17% 10.21
Slide 11: Balance Sheet Ratios
Balance Sheet Ratios (` in Crore) 30-Sep-12 30-Sep-11 Total Business [Dep. + Adv.] 346457 329916 SB Deposits to Total Deposits 10.98% 8.72% Current Account Deposits to Total Deposits 10.95% 10.47% Time Deposits to Total Deposits 78.06% 80.81% Book Value - Rs. 144.36 137.04 Total Off B/Sheet item to
Slide 12: NPAs
NPAs (` in Crore) Particulars Sep-12 Sep-11 Gross Advances 169359 157364 Gross NPAs 5848 3889 Gross NPAs as % of Gross Advances 3.45 2.47 Total Provisions held 2453* 1446 Net Advances 166370 155917 Net NPAs 3395 2443 Net NPAs as % of Net Advances 2.04 1.57 Provision Coverage Ratio % 43.86 37.19 Prov
Slide 13: Summary of NPAs as on September 30, 2012
Summary of NPAs as on September 30, 2012 (` in Crore) For the Quarter Gross NPA NPA Provision /NPV Loss Net NPA As on 01.07.2012 5496 2018 3478 Additions (First Time NPA) 624 520 103 Less: (i) Upgradations 202 44 158 (ii) Recoveries 64 36 28 (iii) Write off 6 6 0 As on 30.09.2012 5848 2453 3395 13
Slide 14: Classification of NPAs as on September 30, 2012
Classification of NPAs as on September 30, 2012 (` in Crore)) NPA % of Particulars Gross NPA NPV Loss Net NPA Provision Provision to Gross NPA Sub Standard Assets 2777 555 103 2119 19.99 Doubtful Assets 2939 1622 41 1276 55.19 Loss Assets 132 132 0 0 100.00 Total* 5848 2310 144 3395 39.49 * Excludin
Slide 15: Advances
Advances (` in Crore) Vertical 30-Sep-12 30-Sep-11 Nature 30-Sep-12 30-Sep-11 ICG 33147 28230 Bills 4134 2935 CBG 85401 79430 CC, OD,WCDL ETC 39429 35007 AGRI 11484 10815 Term Loans- Other 122808 117534 PBG 31930 27234 Total 166370 155475 MSME 4408 10209 Total 166370 155917 Top 20 Borrowers 29501 Ma
Slide 16: Advances
Advances (` in Crore) OUTSTANDING COMMITED EXPOSURE INDUSTRY (TOP 20) FB NFB TOTAL FB NFB TOTAL POWER 17688 13022 30710 26100 17943 44043 HOME LOANS 23615 0 23615 25155 0 25155 IRON AND STEEL 11242 5312 16554 15495 7887 23382 OIL & GAS/PETROLEUM PRODUCTS 8588 6477 15065 10689 11935 22624 ROADS & BRI
Slide 17: Summary of Restructured Advances as on September 30, 2012
Summary of Restructured Advances as on September 30, 2012 (` in Crore) Particulars PA NPA Total Gross 10758 2315 13073 Less: FITL Provision 521 18 539 Total 10237 2297 12534 17
Slide 18: Restructuring
Restructuring (` in Crore) Industry Outstanding FITL Prov. Net Outstanding AGRO INDUSTRIES 346 3 343 AIR TRANSPORT 1629 66 1563 AQUACULTURE 82 0 82 CEM ENT 108 4 104 CERAM IC INDUSTRY 48 0 48 CHEM ICAL AND FERTILIZERS 104 0 104 DAIRY FARM AND POULTRY 2 0 2 EDUCATION 64 1 64 ELECTRICAL M ACHINERY 358
Slide 19: Restructuring
Restructuring (` in Crore) Industry Outstanding FITL Prov. Net Outstanding JEWELLERY M FG 31 0 31 M ETAL INDUSTRY 899 39 860 PUBLICATION 276 13 263 M INING AND QUARRYING 16 1 15 M ISC. INDUSTRY 23 2 21 M OTOR VEHICLES 45 0 45 OIL EXPLORATION 97 0 97 OTHER SERVICES 37 1 36 PAPER 59 0 59 PHARM ACEUTIC
Slide 20: PA to NPA out of Restructured Advances as on September 30, 2012
PA to NPA out of Restructured Advances as on September 30,2012 (` in Crore) Indus try Outs tanding FITL Prov. Net Outs tanding AGRO INDUSTRIES 102 1 102 AIR TRANSPORT 807 0 807 CEM ENT 1 0 1 CHEM ICAL AND FERTILIZERS 3 0 3 EDUCATION 18 0 18 ELECTRICITY 137 0 137 ELECTRONICS 164 0 164 ENTERTAINM ENT
Slide 21: Investments
Investments (` in Crore) Category HTM AFS HFT Total Government securities 47073 2012 670 49755 SASF Securities 5241 0 0 5241 Shares (Equity) 0 2528 10 2538 Shares (Preference) 0 922 0 922 Debentures/ Bonds 20 2270 0 2290 Subsidiaries / Joint Ventures 621 0 0 621 Security Receipts 0 71 0 71 Others (C
Slide 22: List of Some Strategic Investments
List of Some Strategic Investments Percentage Holding Name of Company IDBI MF TRUSTEE COMPANY LTD. 100.00 IDBI INTECH LIMITED 100.00 IDBI CAPITAL MARKET SERVICES LIMITED 100.00 IDBI ASSET MANAGEMENT LTD. 66.67 IDBI TRUSTEESHIP SERVICES LIMITED 54.70 IDBI FEDERAL LIFE INSURANCE COMPANY LIMITED 48.00
Slide 23: Liabilities
Liabilities (` in Crore) Borrowings 30-Sep-12 30-Sep-11 Deposits 30-Sep-12 30-Sep-11 Tier I 1709 3839 Upper Tier II 4286 4286 Current 19726 18265 Lower Tier II 8791 7287 Savings 19781 15216 Flexi Bonds 263 487 Omni Bonds 13425 14871 Term 140580 140960 Refinance/Borrowings 11379 12689 SLR Bonds 0 827
Slide 24: Thank You
@ DBI BANK Thank You