Idbi Bank Limited · NSE:IDBI
Idbi Bank — Q1 FY2017 Earnings Presentation
34 slides from Idbi Bank's earnings presentation, June 2016
Slide 1: Presentation to Analysts Q1 FY 2017
|G) IDBI BANK Bany. Aisa Dost Jaisa . Preseniation to Analysis . Q1 FY 2017
Slide 2: Disclaimer
Disclaimer: Certain statements contained in this presentation may be statements of future expectations and other forward-looking statements that are based on third party sources and involve known and unknown risks and uncertainties. Forward-looking statements contained in this presentation regarding
Slide 3: IDBI Bank's Forte
IDBI Bank’s Forte Significant Leading Growing player in provider of Diversified Branch domestic Debt Long Term customer base Network Syndication Finance Completed 151 Apex role in creating Branches -1850 Corporate and mandates till date industrial & ATMs -3360 Retail customer base aggregating ` 2.72
Slide 4: Performance Highlights Q1 FY17 v/s Q1 FY16
Performance Highlights Q1 FY17 v/s Q1 FY16 ` in Crore 2,17,363 2,54,031 4,71,394 86,363 Advances Business Deposits 66% 5% 6% 15% PSL 2,04,339 2,41,328 4,45,668 75,353 64,985 78,998 22,789 1,17,599 Retail TD Networth Bulk TD CASA 22% 12% 2% 6% 53,154 70,574 22,403 1,10,049 Jun-15 Jun-16 Analyst Prese
Slide 5: Performance Highlights Q1 FY17 (Profitability)
Performance Highlights Q1 FY17 (Profitability) ` in Crore 1600 1138 2.08% 1400 2.10% 1.83% 1200 1467 2.00% 1000 445 800 608 1.90% 600 400 1.80% 200 1.70% 0 NIM Fee Income Qtr Ended Jun-16 Qtr Ended Jun-15 Ope. Profit Qtr Ended Jun-16 Qtr Ended Jun-15 Analyst Presentation – Q1 FY17 5
Slide 6: Profit & Loss - Snapshot
Profit & Loss - Snapshot ` in Crore Particulars Q1 FY16 Q1 FY15 Growth % FY 2016 FY 2015 Growth % Interest Income 7 303 7 261 1 28 043 28 154 0 Interest Expenses 5 597 5 767 (3) 21 954 22 406 (2) Net Interest Income 1 706 1 494 14 6 089 5 748 6 Other Income 916 642 43 3 410 4 008 (15) Net Total Inco
Slide 7: Balance Sheet - Snapshot
Balance Sheet - Snapshot ` in Crore As at 30-Jun-16 30-Jun-15 LIABILITIES Capital 2 059 1 604 Reserve & Surplus 25 903 22 836 Deposits 2 54 031 2 41 328 Borrowings 70 247 64 949 Other Liabilities & Provisions 13 292 11 382 Total 3 65 532 3 42 099 ASSETS Cash & Balanc e with RBI 13 729 11 789 Bal. wi
Slide 8: Growing Deposit Base
Growing Deposit Base ` in Crore Composition of Deposits Movement of Deposits 300000 Retail Term Deposits Q1 2017 250000 31% (29%) 200000 150000 Current A/c 10% (9%) Bulk Term 100000 Deposits 43% (49%) 50000 0 FY 2013 FY 2014 FY 2015 FY 2016 Q1 2017 Savings Bulk Term Deposits 115522 131241 127278 125
Slide 9: Credit Base
Credit Base ` in Crore Composition of Advances Movement of Advances Q1 2017 Domestic Overseas Corp. 53% 250000 Corp. 11% 200000 Retail 36% 150000 100000 Domestic Q1 2016 Corp. 50000 Overseas 56% Corp. 11% 0 FY 2013 FY 2014 FY 2015 FY 2016 Q1 2017 Retail Term Loans 140803 140704 147372 150581 154181
Slide 10: Industry-wise Advances
Industry-wise Advances Outstanding ` in Crore % of Total Outstanding Industry FB NFB Total advances (Fund based+Non fund based) Infrastructure 60273 28556 88829 28.19% Basic Metal and Metal Products 14551 8030 22581 7.17% All Engineering 10122 11480 21602 6.85% Housing Loans (Incl priority sector ho
Slide 11: Composition of Borrowings
Composition of Borrowings ` in Crore Jun-16 Jun-15 Domestic 45828 41890 - Capital instruments 18912 17381 -Other borrowings 21916 20509 -Long term infrastructure bonds 5000 4000 Overseas 24419 23059 - Capital instruments 0 0 -Other borrowings 24419 23059 Total borrowings 70247 64949 Capital instrume
Slide 12: Productivity
Productivity ` in Crore Business per employee CASA per Employee 26.5 26.2 5.0 26.0 3.7 3.9 3.9 3.7 25.7 4.0 3.2 25.5 25.18 25.13 3.0 25.0 24.7 2.0 24.5 24.0 1.0 23.5 0.0 FY 2013 FY 2014 FY 2015 FY 2016 Q1 FY2017 FY 2013 FY 2014 FY 2015 FY 2016 Q1 FY2017 Busi/Employee CASA/Employee Note: Excluding ou
Slide 13: Robust growth in PSL book
Robust growth in PSL book ` in Crore 100000 90000 39.5% of ANBC in Q1 80000 24131 23262 23723 FY17 70000 60000 16099 24620 50000 40000 30000 61067 64178 62640 52639 50733 20000 10000 33.92% of 0 ANBC in Q1 FY 2014 FY 2015 FY 2016 Q1 2016 Q1 2017 FY16 PSL (Excl. RIDF) RIDF Relentless focus for increa
Slide 14: Investments
Investments ` in Crore June 2016 Particulars HTM AFS HFT Total Government securities 57 431 9 575 1 715 68 722 SASF Securities 4 486 - - 4 486 Shares (Equity) - 2 579 2 579 Shares (Preference) - 229 - 229 Debentures/ Bonds - 2 861 - 2 861 Subsidiaries / Joint Ventures 702 - - 702 Security Receipts -
Slide 15: Major Strategic Stakes
Major Strategic Stakes Pivotal role in developing Institutions and financial architecture of the country Analyst Presentation – Q1 FY17 15
Slide 16: Maturity Profile as on Jun-16
Maturity Profile as on Jun-16 ` in Crore Maturity Profile Advances Borrowings Deposits Upto 6 months 28523 8,623 69,210 > 6 months to 1 year 14920 11,440 62,979 > 1 year to 3 years 80104 13,112 87,120 > 3 years to 5 years 35129 10,670 12,764 > 5 years 58687 26,402 21,958 Total 217363 70247 254031 An
Slide 17: Other Income
Other Income ` in Crore Quarter Ended FY Ended Particulars Jun-16 Jun-15 Growth % Mar-16 Mar-15 Growth % Commission, Excg & Brkg 604 442 37 2 117 1 935 9 Profit on sale of Investments 192 75 155 829 1 636 (49) Profit/(Loss) on revaluation of investment (4) 3 (232) (103) (50) 105 Profit on sale of Fi
Slide 18: Fee Income Breakup
Fee Income Breakup ` in Crore Quarter Ended FY Ended Particulars Jun-16 Jun-15 Growth (%) Mar-16 Mar-15 Growth (%) BG Commission 86 100 -14 420 374 12 LC Commission 111 70 58 420 407 3 Bills Commission 7 9 -23 33 37 -11 Proc Fee & Incidental Charges 271 143 90 727 699 4 Remittances Fees 29 18 66 74
Slide 19: Overhead Efficiency
Overhead Efficiency Overhead Efficiency Cost to Income 120% 103% 100% 50% 43.47% 44.07% 90% 41% 100% 82.58% 79.27% 36% 37% 40% 80% 30% 60% 20% 40% 20% 10% 0% 0% FY 2013 FY 2014 FY 2015 FY 2016 Q1 FY17 FY 2013 FY 2014 FY 2015 FY 2016 Q1 FY17 Cost to Income ratio one of the best in Banking Industry An
Slide 20: Movement in Key Ratios
Movement in Key Ratios ROEA Vs COF NIM 12.00% 10.71% 10.28% 10.27% 3.00% 9.53% 9.39% 10.00% 2.50% 2.12% 2.17% 2.08% 8.00% 1.90% 1.88% 6.00% 8.31% 7.87% 7.80% 2.00% 7.17% 6.91% 4.00% 1.50% 2.00% 0.00% 1.00% FY 2013 FY 2014 FY 2015 FY 2016 Q1 FY17 FY 2013 FY 2014 FY 2015 FY 2016 Q1 FY17 ROEA COF NIM C
Slide 21: Movement in Key Ratios
Movement in Key Ratios ` in Crore Growth in Average CASA Growth in Average Deposits 80000 300000 70000 250000 60000 CASA Total 50000 200000 Deposits 40000 150000 Avg. Avg. Total 30000 CASA 100000 Deposits 20000 10000 50000 0 0 FY 2013 FY 2014 FY 2015 FY 2016 Q1 FY17 FY 2013 FY 2014 FY 2015 FY 2016 Q
Slide 22: Capital Adequacy
Capital Adequacy ` in Crore Particulars Q1 2016 Q1 2017 11.74% 11.80% CET 1 (Rs.) 20803 23586 AT 1 (Rs.) 2559 2696 3.62% 3.15% Tier 2 Capital (Rs.) 10390 9558 Total Capital (Rs.) 33751 35840 0.89% 0.89% RWA (Rs.) 287376 303854 CET 1 7.24% 7.76% AT 1 0.89% 0.89% Tier 1 Ratio 8.13% 8.65% 7.24% 7.76% T
Slide 23: NPA Movement
NPA Movement ` in Crore For the Quarter Particulars For FY Mar 16 Jun 16 Opening Balance 24875 12685 Add: -Fresh Slippages* 3209 19087 Of Which Restructured A/cs are 999 7149 Less: -Recovery 139 874 -Upgradation 215 563 -Write-off 455 5459 Closing Balance 27275 24875 Gross NPA % 11.92% 10.98% Net NP
Slide 24: NPA Classification
NPA Classification ` in Crore 337 Particulars Gross NPA Sub Standard Assets Sub Standard Assets 12198 12198 Doubtful 14740 Assets Doubtful Assets 14740 Loss Assets Loss Assets 337 Total 27275 GNPA % Oustanding of Sector Advances Gross NPA GNPA % to wise O/S GNPA % of Category (A) (B) Total GNPA (B/A
Slide 25: Summary of Restructured Advances as on June 30, 2016
Summary of Restructured Advances as on June 30, 2016 ` in Crore Particulars PA NPA Total Gross 17944 11788 29732 Less: FITL Provision 963 464 1427 Net of FITL Provision 16981 11324 28305 Less: Cases considered for 3268 0 3268 Provisioning @ 0.40% Total 13713 11324 25037 Analyst Presentation – Q1 FY1
Slide 26: Industry-wise Restructured Advances as on June 30, 2016
Industry-wise Restructured Advances as on June 30, 2016 ` in Crore % of Total % of Total Net Net Industry Type Outstanding Industry Type Outstanding Outstanding Outstanding advances advances Infrastructure 14 196 6.21 Computer Software 98 0.04 Vehicles, Vehicle Parts and Transport Equipments 1 824 0
Slide 27: Provisions & Contingencies
Provisions & Contingencies ` in Crore Quarter Ended FY ended Particulars Jun-16 Jun-15 Mar-16 Depreciation on Investment 118 57 386 Provision for NPAs 768 940 3 507 Provision towards standard assets 885 214 1 650 Provision for Restructured Assets (1) (354) (582) (including FITL) Income Tax (1207) 12
Slide 28: Fast Growing Distribution Network
Fast Growing Distribution Network 2000 1 2 1800 1 1600 378 378 1 368 1400 1200 1 319 460 458 451 1000 274 800 426 586 590 600 388 524 400 372 282 200 373 421 422 270 132 0 FY 2013 FY 2014 FY 2015 FY 2016 Q1 FY17 Rural Semi-Urban Urban Metro Overseas 1850 Branches 17 Central Clearing Unit 3360
Slide 29: Digital Footprint (1/2)
Digital Footprint (1/2) Digital Initiative No. of Customer Transaction Amt for the Registrations till Qtr June 2016 30 June 2016 Mobile Banking 9,22,893 59.08 Cr Internet Banking 70,57,099 1,19,229.20 Cr ATM Banking - 10,398.85 Cr Bunch Note Acceptors (Cash - 1891.64 Cr Deposit) Bunch Note Acceptors
Slide 30: Digital Footprint (2/2)
Digital Footprint (2/2) Digital Initiatives taken during the Quarter ended June 2016: Introduced instant new PIN generation for debit cards through IVR mPOS (mobile Point of Sale) terminals launched Introduced mobile banking application - IDBI Go Mobile App for iOS - Apple iphone. Bank soft
Slide 31: Financial Inclusion
Financial Inclusion Total Number of FI Accounts (as on June 2016) 24,54,105 O/S Balance in FI accounts (as on June 2016) 691.17 Cr Number of Transactions through BC Channel -for FY 16 5,52,079 -for Qtr Jun16 2,68,839 Scheme Enrolment upto 30.06.2016 Pradhan Mantri Suraksha Bima Yojana 907959 Pradhan
Slide 32: Awards & Accolades
Awards & Accolades CITI Bank honored IDBI Bank with Performance Excellence Awards on May 07, 2016 under two categories ‘Straight Through Processing for US Dollar Payments- 2015’ and ‘Tax Payments – 2014’ IDBI Bank launched ‘IDBI Express’ an unique banking solution, enabling customers to bank at t
Slide 33: Strategies & Way Forward
Strategies & Way Forward Global Expansion Plans, particularly in Intensive Singapore efforts for and recovery from Shanghai. NPLs Buoyancy in Continuing Fee Based the focus on Income increasing exposure in Retail Scaling up Advances, CASA and particularly Retail Priority Sector Deposits Analyst Pres
Slide 34: Analyst Presentation – Q1 FY17
Analyst Presentation – Q1 FY17 34