Indian Bank · NSE:INDIANB
Indian Bank — Q4 FY2020-21 Earnings Presentation
55 slides from Indian Bank's earnings presentation, May 28, 2021
Slide 1: Cover letter: Presentation on Audited Financial Results Q4 FY2020-21
ck, i Indian Bank Tc11- TRIfF-zi 254-260, 31-4 797P1 .04 t,t1A-q-t -600 014 ile4161414 ALLANABAD Corporate Office Acilq 254-260, Awai Shanmugam Salai, INVESTOR SERVICES CELL Royapettah, Chennai - 600 014 t471-1/website: www.indianbank.in vrEf/Phone: 044-28134076/28134698/28134484 OF/e-mail : ibinves
Slide 2: Performance Analysis Q4 / FY 20-21
.'.:;`) Indian Bank Alf ht Your own Bank, Always with You 3114 cp i 31TM -g- - 4-H 3111* "MU Chatbot l am YA indOASIS Mobile Banking App.) 41110'• Automated Dost for O Your Assistance. •-•`" Tell me your queries! Performance Analysis Banking assistance is just a chat away. Performance Analysis Q4 Q4
Slide 3: Contents
Contents Performance Highlights 1 Financials 2 3 Business Snapshot Amalgamation of Allahabad Bank into Indian Bank came into effect on Capital & Risk Management April 1, 2020. Accordingly, the combined 4 financials as on 31st March 2020 have been arrived at by aggregation of audited numbers of two b
Slide 4: Performance Highlights
Performance Highlights 3/54
Slide 5: Performance Highlights FY 21 (YoY)
Performance Highlights FY 21 ( YoY) Business Deposits CASA at 42% Term Deposits `9.3 lakh Cr `5.4 lakh Cr 150 bps Savings Bank 12% 7% 8% 10% Advances RAM Gross NPA Net NPA PCR `3.9 lakh Cr `2 .2 lakh Cr 9.85% 3.37% 82.12% 6% 12% 154 bps 82 bps 395 bps Operating Profit Net Profit ROA ROE Domestic NIM
Slide 6: Financials
Financials 5/54
Slide 7: Financials – Operating Profit and Net Profit
Financials – Operating Profit and Net Profit d - TerifT4 ALLIMANA ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2020 31.12.2020 31.03.2021 Q-o-Q (%) Y-o-Y (%) 31.03.2020 31.03.2021 Y-o-Y (%) 1 Interest Income 9757 10024 8904 -11 -9 38330 39106 2 2 2 Interest Expenses 6447 5711 5570 -2 -14
Slide 8: Income
trgzIWft Indian Bank Income ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2020 31.12.2020 31.03.2021 Q-o-Q (% ) Y-o-Y (% ) 31.03.2020 31.03.2021 Y-o-Y (% ) 1 Interest Income on Advances and Discount on Bills 6832 7133 6025 -16 -12 27184 27455 1 2 Interest on investments 2739 2809 2789 -1 2
Slide 9: Fee Income
Fee Income - TerifT4 ALLIMANA ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2020 31.12.2020 31.03.2021 Q-o-Q (%) Y-o-Y (%) 31.03.2020 31.03.2021 Y-o-Y (%) 1 Transaction fees 138 202 192 -5 39 568 690 21 2 Loan processing charges 158 135 156 16 -1 404 526 30 3 Commission on Government busin
Slide 10: Expenses
Expenses ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2020 31.12.2020 31.03.2021 Q-o-Q (%) Y-o-Y (%) 31.03.2020 31.03.2021 Y-o-Y (%) 1 Interest on deposits 6091 5479 5290 -3 -13 24001 22221 -7 2 Interest on borrowings 311 188 228 21 -27 1272 1049 -18 3 Sundry interest expenses 45 44 52 18
Slide 11: Overhead Expenses
Overhead Expenses IM ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2020 31.12.2020 31.03.2021 Q-o-Q (%) Y-o-Y (%) 31.03.2020 31.03.2021 Y-o-Y (%) 1 Rent, Taxes & Lighting 218 170 149 -12 -32 786 603 -23 2 Depreciation 100 137 208 52 108 444 633 43 3 Insurance 132 177 171 -3 30 522 682 31 4
Slide 12: Provisions and Net Profit
Provisions and Net Profit ` in Cr Quarter Ended Year Ended Sl No Components 31.03.2020 31.12.2020 31.03.2021 Q-o-Q (%) Y-o-Y (%) 31.03.2020 31.03.2021 Y-o-Y (%) 1 Operating Profit 2401 3099 2548 -18 6 9587 11396 19 2 Total Provisions 4042 2585 839 -68 -79 14230 8391 -41 Of which 3 Loan loss 2071 738
Slide 13: Performance Ratios
Performance Ratios % annualised Quarter Ended Year Ended Sl No Parameters 31.03.2020 31.12.2020 31.03.2021 31.03.2020 31.03.2021 1 Cost of Deposits 5.11 4.34 4.05 5.20 4.44 2 Cost of Funds 5.13 4.35 4.08 5.19 4.43 3 Cost to Income Ratio 52.33 45.73 49.82 49.08 47.59 4 Yield on Advances 8.11 7.55 6.2
Slide 14: Business Snapshot
Business Snapshot 13/54
Slide 15: Business Snapshot
viqdt* Indian Bank Business Snapshot 0.1.4AFFAEtitb ` in Cr DOMESTIC DEPOSITS Sl No Parameter 31.03.2020 31.12.2020 31.03.2021 Q-o-Q (%) Y-o-Y (%) Core Term Deposits PD/CD Savings Bank Current account 1 Deposits 488835 521248 538071 3 10 Domestic 481401 512695 529264 3 10 28795 31861 Overseas 24091
Slide 16: Advances (Domestic)
1-4:1W Indian Bank Advances (Domestic) 1,11AHABAI ` in Cr Sector 31.03.2020 31.12.2020 31.03.2021 YoY (% ) Gross Advances-Domestic 360255 379073 379537 5 MSME Corporate 19% Retail 65901 66679 69987 6 Corporate Retail Agriculture 68959 75040 78775 14 42% • Agriculture MSME 60907 68805 70180 15 21% Ag
Slide 17: Performance under Priority Sector
Indian Bank Performance under Priority Sector • ` in Cr Mandatory Achievement Achievement (Amt) Segment (% ) Target (Excluding PSLC) (Excluding PSLC) Priority Sector 40% 130274 42.08% Agriculture 18% 60869 19.66% Small /Marginal Farmers 8% 31174 10.07% Weaker Section 10% 43898 14.18% Micro under MSM
Slide 18: Sectoral Deployment – Domestic advances
Indian Bank Sectoral Deployment – Domestic advances • 111 ` in Cr % share % share % share Sector 31.03.2020 to Gross 31.12.2020 to Gross 31.03.2021 to Gross Advances Advances Advances Infrastructure 57067 16 58250 15 60849 16 Of which Power 17336 5 18753 5 18238 5 Port and Road Project 9405 3 9682 3
Slide 19: Standard NBFC advances
trgziW . Indian Bank Standard NBFC advances ALLIMAND ` in Cr Composition 31.03.2020 % 31.12.2020 % 31.03.2021 % NBFC - PSUs 2425 5% 4762 10% 4801 10% NBFC - HFCs 18438 41% 16987 37% 18136 39% NBFC - MFIs 1515 3% 1542 3% 1624 4% NBFC - Others 22774 51% 22326 50% 21441 47% Total NBFC 45152 100% 45617
Slide 20: Power Sector & Commercial Real Estate
Power Sector & Commercial Real Estate ` in Cr 31.03.2021 Power Sector Central State Private Total Government Government Sector Generation 33 6192 6904 13129 Distribution 5966 5966 Transmission 1826 1826 Investment 69 1467 410 1946 Total Exposure 102 15451 7314 22867 Of which NPA 2467 31.03.2021 CRE
Slide 21: Standard Domestic Credit Exposure
tilawfw Indian Bank Standard Domestic Credit Exposure A V. Ifill.114 Au itHA RILL ` in Cr 31.12.2020 31.03.2021 External Rating Exposure % to Total Exposure % to Total • More than `10 Cr AAA 32924 15% 34439 15% Above Investment • For CRE more than AA 56113 25% 54653 24% grade: 80% `5 Cr A 44399 20%
Slide 22: Investments - Domestic
Investments - Domestic • AFS Book ■ ■ Details 31.03.2020 31.12.2020 31.03.2021 Y-o-Y (%) ` in Cr 86617 85013 84814 -2 Mar-20 Central Government Securities State Government Securities 38610 42825 43880 14 16% Treasury Bills 1433 10944 10953 664 Other Approved Securities 3 5 5 75 15% Recap Bonds 17927
Slide 23: Non SLR Investments
Indian Bank Non SLR Investments ` in Cr % YoY Details Mar-20 Dec-20 Mar-21 Share Amount % PSU Bonds 1489 1566 1596 4 107 7 Corporate and Other Bonds 4765 9332 9997 25 5232 110 Special Govt.Sec.(Excluding Recap Bonds) 2063 1964 1908 5 -155 -7 CG Recap.Bond 17927 17927 17927 45 0 0 Share of PSU/Corpor
Slide 24: TLTRO 1/ TLTRO 2/ Partial Credit Guarantee
1 .1 .4* Indian Bank TLTRO 1/ TLRTO 2/ Partial Credit Guarantee ` in Cr Particulars AAA A1+ AA Total Corporate 175 400 360 935 TLTR01.0 Face value HFC 100 0 0 100 NBFC 400 0 25 425 Total 675 400 385 1460 NBFC AAA A1+ AA A BBB Total * Below ` 500 Cr 0 110 25 85 80 300 TLTR01.0 Face value ` 500 Cr - `
Slide 25: Capital & Risk Management
Capital & Risk Management 24/54
Slide 26: Capital Adequacy – Risk Management
,.Th_ .,..,.,„ Indian Bank Capital Adequacy – Risk Management 101 lwrwri ffinaii ` in Cr Parameters 01.04.2020 31.12.2020 31.03.2021 Common Equity Tier I (CET 1) Additional Tier I Tier II Capital 38394 42474 46845 2.89% 3.78% 2.86% Common Equity Tier I (CET 1) 29613 31258 33609 0.66% 0.83% 0.17% Add
Slide 27: Shareholding and Balance Sheet
Indian Bank Shareholding and Balance Sheet ALLIMAND ` in Cr Employees 1.37% FPI/FII/NRI Mutual Funds 1.15% 2.57% Insurance Cos. 1.80% Others 0.55% Pattern of Equity Shareholding Resident Individual Shareholder % 4.50% Promoters 88.06 Govt. of India Public 11.94 88.06% Total 100 Liabilities 31.03.202
Slide 28: Asset Quality
Asset Quality 27/54
Slide 29: Movement of NPA
4-P47M- ft Indian Bank Movement of NPA ALLIMAND ` in Cr S Quarter Ended Year Ended Details No 31.03.2020 31.12.2020 31.03.2021 31.03.2020 31.03.2021 1 Gross NPA opening balance 46012 36198 35237 42058 41998 ADDITIONS : Fresh Slippages 3841 88 8292 18104 9152 To old NPAs / Others 101 107 21 463 278 2
Slide 30: NPA Position – Sector wise
NPA Position – Sector wise ` in Cr 31.03.2020 31.12.2020 31.03.2021 S % to % to % to Sector Gross Gross Gross Sector Wise Slippage Ratio No respective respective Outstanding respective NPA NPA NPA during the FY 2020-21 portfolio portfolio portfolio 1 Retail Credit 2455 4.00 2119 3.18 69987 2883 4.12
Slide 31: NPA Position – Industry wise
Indian Bank NPA Position – Industry wise ALLIMAJAI ` in Cr 31.03.2020 31.12.2020 31.03.2021 % to % to % to S No Industry Gross Gross Gross respective respective respective NPA NPA NPA portfolio portfolio portfolio Metal and Metal Products (Incl. 1 4070 32.34 4372 35.44 3598 37.06 Iron & Steel) 2 Pet
Slide 32: Status of NCLT
Status of NCLT ` in Cr 31.03.2021 Category No.of Accounts Exposure Provision PCR% RBI List I 8 2960 2928 99% RBI List II 11 3564 3557 100% Accounts filed by Bank 25 1899 1800 95% Accounts filed by other Banks 152 14187 13970 98% Total 196 22610 22255 98% PCR % Exposure % 100% 99% RBI List I 98% 13%
Slide 33: SMA Sector wise
Indian Bank SMA Sector wise ` in Cr As on 31.03.21 S No Sector SMA 1 SMA 2 Total Collection Efficiency from Oct'20 • 1 Retail 5566 2135 7701 100% Of which Home Loan 3318 1142 4461 95% Vehicle Loan 362 148 510 Educational 332 255 588 90% Mortgage Loan 937 319 1256 85% Other Retail 617 270 887 2 Agric
Slide 34: Sector wise Restructuring details
Sector wise Restructuring details ` in Cr Sector-wise Covid Restructuring as on 31.03.2021 RP INVOKED RP IMPLEMENTED % to % to Standard % to Total Standard % to Total respective respective Sector Amt in Cr. advance as STD Amt in Cr. advance as STD sector STD sector STD on 31.03.20 advances on 31.03.
Slide 35: Financial Inclusion
Financial Inclusion 34/54
Slide 36: Financial Inclusion - Performance
4Th- Indian Bank Financial Inclusion - Performance 141.44HAE FI Parameters 31.03.2021 BCs engaged (Nos.) 9161 BSBD Accounts (No. in lakhs) 260 PMJDY Accounts under BSBDA (No. in lakhs) 179 Balance in PMJDY accounts (` in Cr) 6779 Rupay Cards issued (No. in lakhs) 106 Financial Transactions by BCs pe
Slide 37: COVID 19 – Wellness Series
COVID 19 – Wellness Series *el161■ 114 ALUMNA Wellness Series I by Wellness Series II by Wellness Series III by Dr Shreevidya Venkatraman Dr Ramya Ranganathan on 15.5.21 Dr Vineet Jain on 21.5.21 lITT;f7; Webinar Webinar on Wellness on Series - Wellness Series-III Dr. Vineet Jain Dr. Shreevidya Venk
Slide 38: Digital Banking
Digital Banking 37/54
Slide 39: Migration to Digital channels
of 4riii* Alp Indian Bank Migration to Digital channels A v.e1161.114 ALL MAUD FY 20 FY 21 49% 40% 36% 27% 24% 24% Digital ATM & BNA Branch Transactions Transactions Transactions at Branch 13% 5r Transactions through Digital channels 13% 4 38/54
Slide 40: Digital Initiatives
Indian Bank Digital Initiatives • 1 Internet Banking Mobile Banking 2 IND e-Cash इं डियन e-कैश • Additional feature in IndOASIS- • RTGS 24*7 through Internet Banking Subscription to Mutual Funds • Implementation of Positive Pay (Fisdom), Insurance, e-NPS System REGULATORY SANDBOX for Innovative e-Pr
Slide 41: Digital Initiatives
Digital Initiatives Credit Card Credit Card: EFRMS -Fraud detection tool by FIS service provider via NRT approach FasTag: Offline FasTag issuance / recharges through branch module MIS INK Integration with NeSL for Digital Document Execution Implementation of Power BI & Data Analytics models to suppo
Slide 42: Business Network
Business Network ATMs Domestic & Region-wise Branches BNAs Northern 6004 5428 744 Network 141 9095 3 North Eastern Business Overseas 429 1450 Eastern Correspondents Branches Western Central 1290 Population-wise -411.,..11MEME- 1950 Southern Rural Semi-urban 1588 1938 I Urban 1259 Metro 1219 41/54
Slide 43: Amalgamation
Amalgamation 42/54
Slide 44: Amalgamation – Successful Completion
Amalgamation – Successful Completion I= ■ ,,,„„,.. 0 0 0 Mill r= i=i Integration of Operations/ IT Reorganisation /Centralisation Rationalisation of offices • Treasury operations • Retail and MSME processing • 25 Zones rationalised. Integrated centres rolled out in all 78 • As against 100 branches p
Slide 45: Amalgamation – Synergy Tracker
* 4iii t* lap Indian Bank Amalgamation – Synergy Tracker il*ellfI4 14 ALL ARA MD • Savings in Manpower cost • IT related Synergies • Rationalisation of Branches, Zonal Offices, Currency Chests, Staff Training Centres, Large Corporate Branches and other Administrative Offices • Savings in Rent, Taxes
Slide 46: Amalgamation – Focus on customer convenience
Amalgamation – Focus on customer convenience ... Key changes Continuity 0 IFSC/MICR code changed w.e.f 15.02.2021 CIF number and account number continue to * remain the same New Passbooks issued in IB Format All existing debit cards issued to customers of e- ALB continue to be active. 0 Mobile Banki
Slide 47: Initiatives: Ind Spring Board, MSME Prerana
Initiatives Ind Spring Board MSME Prerana (Finance. for Stortulas) Ind Spring Board … Financing for Start-ups L (Business Mentoring Program for MSMEs) MSME Thy Iguvm 1.1.,10,9 Program Ilpr 4.1t11 An Out of the Box Initiative by Oy Solt. Vata Sitharaman pia fip,' wore. A I hi, Entered into MOU with
Slide 48: Initiatives
45, Indian Bank Initiatives A v.ellfil.114 OV.A.FFAEtitb Signing N1011 with. SIVBIto access the "Asset Restructuring Module for MSMEs - Do it Yourself" - view/ TittrwrPr Madhu Kranti Portal download/amend the reports submitted by the MSME borrowers and prepare restructuring proposals/ financial viab
Slide 49: Awards & Accolades
Awards & Accolades State level NABARD Award in SHG Credit linkage APY AWARDS FROM PFRDA 1st among the PSBs in the SHG Credit APY Premier League (Oct 20–runner) Linkage in Tamil Nadu for 2019-20 APY Challenger’s Cup (FY 19-20) Award of Par Excellence – Beat the Best (FY 19-20) MIN AR STATE CRED
Slide 50: Joint Venture
Joint Venture Universal Sompo kir General Insurance Co. Ltd. MO Suraksha. Hamesha Aapke Saath 1 2 3 4 Incorporated & licensed in 2007 Consortium of credible Public & Private Break-even in the 5th year (FY 13-14) 1- Consortium credible Private Public of Corporate & Corporate entities from Fully opera
Slide 51: Regional Rural Banks (RRBs)
Regional Rural Banks (RRBs) M, ` in Cr 31.03.2021 (Pre audit ) NNW M41601611 Parameters OJAI iiili. hp...00.14.3■ 41 TNGB SGB PBGB No. of branches 640 223 44 Business 30587 15436 1731 Operating Profit 467.71 361.18 18.27 Net Profit * 200.69 175.20 9.42 Gross NPA % * 1.77 1.26 1.94 Net NPA % * 0.28 0
Slide 52: Strategies and focus areas
efg Indian Bank Strategies and focus areas 51/54
Slide 53: Strategies and focus areas
Strategies and focus areas Leverage Cost Digital YOUR TEXT HERE Revenue YOUR TEXT HERE Balance Sheet YOUR TEXT HERE YOUR TEXT HERE optimization Employee Transformation I I Strength I I Maximization tl growth I I • Leadership Development • Improving digital penetration • Focus on Capital • Reorient t
Slide 54: 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
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