Indian Bank · NSE:INDIANB
Indian Bank — Q4 FY2023 Earnings Presentation
49 slides from Indian Bank's earnings presentation, May 8, 2023
Slide 1: Indian Bank filing letter: Presentation on Audited Financial Results
Indian Bank A PrIVNIX ALLAIIMAD िनवेशक सेवाएँ क INVESTOR SERVICES CELL Ref: ISC/44/2023-24 Date: 08.05.2023 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-4000
Slide 2: Performance Analysis Q4 / FY 2022-23
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Slide 3: Contents
ardnmig inp Indian Bank MIAHABID Contents 7 7,••800.-- Azad! Ka G2C Amrit Ma hotsav 1 Performance Highlights 2 Business snapshot 3 Financials 4 Capital & Risk Management 5 4. Asset Quality 6 Financial Inclusion 7 Digital Banking & Business Network 8 Initiatives, Awards & Accolades 2/48
Slide 4: Performance Highlights Q4 FY23
inp Indian Bank G2C ardnmig MIAHABID Azad! Ka Amrit Ma hotsav 01 Performance Highlights Q4 FY23 rsi 3/48
Slide 5: Performance Highlights Q4 FY23 (YoY)
Performance Highlights Q4 FY23 (YoY) G2C inp Indian Bank l&rdnrrird MIAHABID Aza): Ka ' 11.....- Amrit Ma hotsav fa Business Business ₹ 10.95 lakh Cr 8% RAM Deposits ₹ 6.21 lakh Cr 5% Retail Advances ₹ 4.74 lakh Cr 14% Agriculture CASA CASA : 5% SB: 7% MSME AIL CD Ratio 76.24% Corporate Credit ₹ 2.7
Slide 6: Business Snapshot
inp Indian Bank G2C ardnmig MIAHABID Azad! Ka Amrit Ma hotsav 02 Business Snapshot 5/48
Slide 7: Business Snapshot
ardnmig inp Indian Bank MIAHABID Business Snapshot Azad! Ka G2C Amrit Ma hotsav ₹ in Cr Sl No Parameter 31.03.2022 31.12.2022 31.03.2023 Q-o-Q (%) YoY (%) DOMESTIC DEPOSITS 1 Deposits 593618 597114 621166 4 5 Domestic 584661 583998 608027 4 4 Term Deposits Savings Bank Current account Overseas 8957
Slide 8: Advances (Domestic)
l& rdnrrird inp Indian Bank MIAHABID Advances (Domestic) Azad! Ka G2 Amrit Ma hotsav ₹ in Cr fa Sector 31.03.2022 31.12.2022 31.03.2023 YoY (%) Retail 31.03.2022 31.12.2022 31.03.2023 YoY (%) Gross Advances-Domestic 395698 424162 443921 12 Home Loan (Incl.Mortgage loans) 53852 57263 59840 11% Retail
Slide 9: Performance under Priority Sector
iirdnmig inp Indian Bank MIAHABID Performance under Priority Sector Azad! Ka G2 Amrit Ma hotsav 31.03.2023 fa ₹ in Cr Achievement RBI Benchmark Achievement (Amt) Segment (as on 31.3.23) Mandatory Target (Excluding (as % of ANBC) (Excluding PSLC) PSLC) Priority Sector 40.00% 138259 152992 44.26% Agri
Slide 10: Sector Deployment – Domestic Advances
PITFrwr4 Indian Bank MIAIIARSP Sector Deployment – Domestic Advances 777 Azad! Ka • G2 I Amrit Ma hotsav ₹ in Cr % share to % share Sector 31.03.2022 Gross 31.03.2023 to Gross Advances Advances Infrastructure 58521 15 54857 12 Of which Power 18543 5 20271 5 Port and Road Project 9011 2 8495 2 Other
Slide 11: Standard Domestic Credit
ardnmig inp Indian Bank MIAHABID Standard Domestic Credit Azad! Ka G2C Amrit Ma hotsav ₹ in Cr External Rating 31.03.2022 31.12.2022 31.03.2023 (More than ₹10 Cr; For CRE > ₹5 Cr) Exposure % to Total Exposure % to Total Exposure % to Total Rated Exposure AAA 33164 16% 37518 16% 44055 18% AA 58634 28
Slide 12: Standard NBFC Advances
ardnmig inp Indian Bank MIAHABID Standard NBFC Advances Azad! Ka G2C ₹ in Cr Amrit Ma hotsav Standard NBFC 31.03.2022 % 31.12.2022 % 31.03.2023 % NBFC - PSUs 4659 9% 6744 11% 6102 9% NBFC - HFCs 20582 42% 23125 38% 24341 37% NBFC - MFIs 2238 5% 1738 3% 2108 3% NBFC - Others 21753 44% 28678 48% 33750
Slide 13: Investments (Domestic)
l&rdnrrird inp Indian Bank MIAHABID Investments (Domestic) 777 Azad! Ka G2 Amrit Ma hotsav Details 31.03.2022 31.12.2022 31.03.2023 YoY (%) ₹ in Cr SLR Investments 140538 144668 148627 5.76 AFS Book (YoY) Of which Central Government Securities 88284 93253 94158 6.65 31.03.22 State Government Securit
Slide 14: Financials
inp Indian Bank G2C ardnmig MIAHABID Azad! Ka Amrit Ma hotsav 03 Financials 13/48
Slide 15: Operating Profit and Net Profit
ardnmig inp Indian Bank MIAHABID Operating Profit and Net Profit Azad! Ka G2C Amrit Ma hotsav ₹ in Cr Quarter Ended Year Ended Sl No Components 31.03.2022 31.12.2022 31.03.2023 Q-o-Q (%) YoY (%) 31.03.2022 31.03.2023 YoY (%) 1 Interest Income 9832 11834 12244 3 25 38856 44942 16 2 Interest Expenses
Slide 16: Income
G2C Income inp Indian Bank ardnmig MIAHABID Azad! Ka Amrit Ma hotsav ₹ in Cr Quarter Ended Year Ended Sl No Components 31.03.2022 31.12.2022 31.03.2023 QoQ (%) YoY (%) 31.03.2022 31.03.2023 YoY (%) 1 Interest Income on Advances and Discount on Bills 6679 8552 8850 3 33 26928 31941 19 2 Interest on i
Slide 17: Fee Income
ardnmig inp Indian Bank MIAHABID Fee Income Azad! Ka G2C Amrit Ma hotsav ₹ in Cr Quarter Ended Year Ended Sl No Components 31.03.2022 31.12.2022 31.03.2023 Q-o-Q (%) YoY (%) 31.03.2022 31.03.2023 YoY (%) 1 Transaction fees 178 163 164 1 -8 700 704 1 2 Loan processing charges 173 175 208 19 20 574 69
Slide 18: Expenses
ardnmig inp Indian Bank MIAHABID Expenses Azad! Ka G2C Amrit Ma hotsav ₹ in Cr Quarter Ended Year Ended Sl No Components 31.03.2022 31.12.2022 31.03.2023 Q-o-Q (%) YoY (%) 31.03.2022 31.03.2023 YoY (%) 1 Interest on deposits 5198 5911 6327 7 22 20936 23184 11 2 Interest on borrowings 148 191 174 -9
Slide 19: Overhead Expenses
ardnmig inp Indian Bank MIAHABID Overhead Expenses Azad! Ka G2C Amrit Ma hotsav ₹ in Cr Quarter Ended Year Ended Sl No Components 31.03.2022 31.12.2022 31.03.2023 Q-o-Q (%) YoY (%) 31.03.2022 31.03.2023 YoY (%) 1 Rent, Taxes & Lighting 173 159 172 8 -1 614 621 1 2 Depreciation 145 131 129 -2 -11 597
Slide 20: Provisions and Net Profit
ardnmig inp Indian Bank MIAHABID Provisions and Net Profit Azad! Ka G2C Amrit Ma hotsav ₹ in Cr Quarter Ended Year Ended Sl No Components 31.03.2022 31.12.2022 31.03.2023 Q-o-Q (%) YoY (%) 31.03.2022 31.03.2023 YoY (%) 1 Operating Profit 2738 4061 4016 -1 47 12717 15271 20 2 Total Provisions 1754 26
Slide 21: Performance Ratios
G2C Performance Ratios inp Indian Bank ardnmig MIAHABID Azad! Ka Amrit Ma hotsav Annualised Sl Quarter Ended Year Ended Ratios No 31.03.2022 31.12.202231.03.2023 31.03.2022 31.03.2023 1 Cost of Deposits 3.88 4.19 4.33 3.97 4.09 2 Cost of Funds 3.80 4.26 4.44 3.90 4.14 3 Cost to Income Ratio 53.03 43
Slide 22: Performance Ratios
G2 Performance Ratios Indian Bank 4CHTUNT4 MIAHABID AAz 7r Mi lia hotsav nIrar fa % annualised Cost of Deposits Yield on Advances Cost of Funds Yield on Funds Return on Assets (RoA) Return on Average Networth (RoE) Return on Assets (RoA) Return on Average Networth (RoE) 8.19 8.17 7.90 7.91 7.00 6.65
Slide 23: Capital & Risk Management
inp Indian Bank G2C ardnmig MIAHABID Azad! Ka Amrit Ma hotsav 04 Capital & Risk Management 22/48
Slide 24: Capital & Risk Management
ardnmig inp Indian Bank MIAHABID Capital & Risk Management 77. • „ Aza971Ka G2 Amrit Ma hotsav ₹ in Cr CRAR % Parameters 31.03.2022 31.12.2022 31.03.2023 16.53% 15.74% 16.494% CRAR Total Capital 51100 50819 54992 Tier II 3.36% 3.16% 3.01% Common Equity Tier I (CET 1) 38725 38638 42984 AT I 0.64% 0.6
Slide 25: Share Holding
G2C Share Holding inp Indian Bank ardnrrird MIAHABID Azad! Ka Amrit Ma hotsav fa 31.03.2023 Mutual Funds: 7.98% Government of India 79.86% Resident Individual: 3.27% Insurance Companies:3.32% FPI,FII, NRI & AIF: 4.54% Employees: 0.69% HUF,Trusts, Body Corporate, & Clearing Members: 0.34% Pattern of
Slide 26: Asset Quality
inp Indian Bank G2C ardnmig MIAHABID Azad! Ka Amrit Ma hotsav 05 Asset Quality 25/48
Slide 27: Asset Quality
G2 Asset Quality 4115 Indian Bank rdTtirgrd MIAHABID Azad! Ka Amrit Ma hotsav RiNvr.47 Amount ₹ Cr Gross NPA Net NPA Gross NPA Net NPA % 8.47 35214 29484 28180 6.53 5.95 8849 2.27 4271 4044 1.00 0.90 I QE Mar 22 QE Dec 22 QE Mar 23 QE Mar 22 QE Dec 22 QE Mar 23 Annualised % PCR (Incl TWO) PCR (Excl
Slide 28: Movement of NPA
G2C Movement of NPA inp Indian Bank tranug Azad! Ka ₹ in Cr MIAHABID Amrit Ma hotsav Quarter Ended Year Ended S No Details 31.03.2022 31.12.2022 31.03.2023 31.03.2022 31.03.2023 1 Gross NPA opening balance 36540 31959 29484 38455 35214 ADDITIONS : Fresh Slippages 3298 1192 2566 9807 6642 To old NPAs
Slide 29: NPA Position – Sector-wise
G2C NPA Position – Sector-wise inp Indian Bank ardnmig MIAHABID Azad! Ka ₹ in Cr Amrit Ma hotsav 31.03.2022 31.12.2022 31.03.2023 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio portfolio portfolio 1 Retail Credit 3553 4.42% 3209 3.68%
Slide 30: NCLT & NARCL
G2C NCLT & NARCL inp Indian Bank ardnmig MIAHABID ₹ in Cr Azad! Ka Amrit Ma hotsav 31.03.2023 Category No.of Accounts Exposure Provision PCR% RBI List I 6 1400 1400 100% RBI List II 9 2803 2803 100% NCLT Accounts filed by Bank 23 1430 1430 100% Accounts filed by other Banks 185 16812 16812 100% Tota
Slide 31: SMA Position
7 7,••800.-- G2 SMA Position inp Indian Bank l&rdnrrird MIAHABID Azad! Ka Amrit Ma hotsav fa ₹5 Cr and above ₹ in Cr 31.12.2022 31.03.2023 % to % to Standard Respective % to Total Standard Respective % to Total Sector SMA 1 SMA 2 Total Advances as Sector Standard SMA 1 SMA 2 Total Advances as Sector
Slide 32: Collection Efficiency (Month on Month)
iirdnmig inp Indian Bank MIAHABID Collection Efficiency (Month on Month) Azad! Ka G2 Amrit Ma hotsav 99% 99% 99% Corporate Collection efficiency from Mar'22 to Mar'23 Corporate Sector Mar-22 Dec-22 Mar-23 Retail 95% 95% 95% MSME Retail 95% 94% 94% MSME 95% 94% Agriculture 90% 91% 92% 94% Retail MSME
Slide 33: COVID Restructuring – Sector-wise
G2C COVID Restructuring – Sector-wise inp Indian Bank ardnmig MIAHABID a Azad! Ka Amrit Ma hotsav ₹ in Cr Sector Outstanding as Addition Reduction during the quarter Outstanding as Recovery Provision on 31.12.22 during the Mar'23 on 31.03.2023 Percentage (Standard) quarter Mar'23 Of which Recovery F
Slide 34: Financial Inclusion
inp Indian Bank G2C ardnmig MIAHABID Azad! Ka Amrit Ma hotsav 06 Financial Inclusion 33/48
Slide 35: Finance Inclusion - Performance
G2C Finance Inclusion - Performance inp Indian Bank ardnmig MIAHABID Azad! Ka Amrit Ma hotsav S No FI Parameters* Mar'22 Dec'22 Mar'23 1 BCs engaged (Nos.) 9657 10368 10750 2 BSBD Accounts (No. in lakhs) 267 285 289 3 PMJDY Accounts under BSBDA (No. in lakhs) 185 199 205 4 Balance in PMJDY accounts
Slide 36: Digital Banking & Business Network
inp Indian Bank G2C ardnmig MIAHABID Azad! Ka Amrit Ma hotsav 07 Digital Banking & Business Network 35/48
Slide 37: Migration to Digital Channels
G2 Migration to Digital Channels inp Indian Bank l& rdnrrird MIAHABID a Azad! Ka Amrit Ma hotsav fa YoY Digital Migration QoQ rA 85% 77% 85% 2% 83% 8% ATM, BNA & Digital Transactions 23% 15% 17% 15% Branch Transactions QE Mar 22 QE Mar 23 QE Dec 22 QE Mar 23 Transactions through ATM, BNA & Digital C
Slide 38: Digital Banking
l& rdnrrird inp Indian Bank MIAHABID Digital Banking 7/77 Azad! Ka G2 In lakhs Amrit Ma hotsav fa Mobile Banking Internet fres*, Banking I UPI Cards Users Users Users Users Debit Cards 78 YoY 65 68% 314 YoY 68 .1115 YoY 19% 101 27% 128 270 YY 17% Mar-22 Mar-23 Ur Mar-22 Mar-23 Mar-22 Mar-23 Mar-22 M
Slide 39: Business Network
trotrrwra inp Indian Bank MIAHABID Business Network 7 77 •5 0 Azad! Ka • G2C Amrit Ma hotsav fa Domestic Branches ATMs & BNAs 72 5787 (Including 4929 RAPCs Region-wise 3 DBUs) 15 77 Business SAM Processing MAPCs Northern Overseas Branches / Correspondents Centres & Verticals 10750 3+ 1 IBU 690 9 25
Slide 40: Staff Position & HRM Initiatives
Staff Position & HRM Initiatives G2 inp Indian Bank 777 ardnmig MIAHABID Azad! Ka • Arndt Ma hotsav 31.03.2023 Average % of Domestic Total Male Female age of staff Female Officers 25069 18015 7054 37 28% Clerks 12779 8132 4647 38 36% Sub-staff 2584 2246 338 46 13% Full Time Sweepers 280 215 65 45 23
Slide 41: Initiatives & Awards
inp Indian Bank G2C ardnmig MIAHABID Azad! Ka Amrit Ma hotsav 08 Initiatives & Awards 40/48
Slide 42: Digital Transformation Initiatives
rdTtnird inp Indian Bank MIAHABID Digital Transformation Initiatives 7 77 Azad! Ka • G2 Amrit Ma hotsav fa WAVE Project Wave.. World of Advanced Virtual Experience Digital r)Ptrai trtransformation dirtt or-0mm 101., …Journeys launched Jou rrmvit fa ea"44444 APRIL 22 OCTOBER 22 JUNE 22 AUGUST 22 JANU
Slide 43: Transformation Initiatives II
iirdrtrrwra inp Indian Bank MIAHABLD Transformation Initiatives II 7 77 Azad! Ka • G2C Amrit Ma hotsav PROJECT IND LEAP - Transformation journey to address evolving customer expectations, emerging opportunities and revamp its operating model by leveraging technology and adopting best in class indust
Slide 44: Environmental, Social & Governance (ESG) Practices
l& rdnrrird a p Indian Bank MIAHABID Environmental, Social & Governance (ESG) Practices a 7 77 Azad! Ka • G2 Amrit Ma hotsav Environmental fa Solar Power plant of 93 kW for Social SOCiai IMAGE Auditorium Sponsorship to United Nations GCNI’s 1st environmental sustainability summit in Delhi. Spons
Slide 45: Joint Venture & Subsidiary
Joint Venture & Subsidiary 777 G2 inp Indian Bank WHTFIWT4 MIAHABID II Azad! Ka • Amrit Ma hotsav 31.03.2023 (Provisional) Universal Sump° 46, General Insurance Suraksha. Hamesha Aapke Saath Indbank Merchant Ranking Services Ltd Consortium of credible Public & Private Corporate In the business o
Slide 46: Regional Rural Banks (RRBs)
Regional Rural Banks (RRBs) G2C 4115 Indian Bank 7.„ trogrwra MIAHABID II Azad! Ka • Amrit Ma hotsav fa L.645rr6) Alvan 61A4 Sapiagiri Grameena Bank PUDUVAI BHARATHIAR ₹ in Cr TAMIL NADU GRAMA BANK (A Gowern moot own ad Bonk Spprisprdpg1 by Inrdiorr ( Sponsored by Indian Sank ) GRAMA BANK TNGB SGB P
Slide 47: Awards & Accolades
Awards & Accolades 777 G2C 4115 Indian Bank ittrotrritia MIAHABID II Azad! Ka • Amrit Ma hotsav Building Future-Ready Organisations 03, 7w01,. - 411 Indian BanM Eyeing tomorrow, winning today! Indian Sank wins big at Mira W3 Awards 2023 Future of Work Disrupter/ 'Large Enterprise' MD&CEO and GM/HRM
Slide 48: Disclaimer
Disclaimer G2C inp Indian Bank ardnmig II MIAHABID Azad! Ka Amrit Ma hotsav 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 forwar
Slide 49: rikUrtft yAnf,
inp Indian Bank 777 • G2 irdrilrin4 MIAHABID Azad! Ka Amrit Ma hotsav NA• Automated Dost for rikUrtft yAnf, • • • Your Assistance