Idbi Bank Limited · NSE:IDBI
Idbi Bank — Q2 FY2017 Earnings Presentation
29 slides from Idbi Bank's earnings presentation, September 2016
Slide 1: Presentation to Analysts Q2 FY 2017
|G) IDBI BANK Bany. Aisa Dost Jaisa . Preseniation to Analysis . Q2 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: Performance Highlights Q2 FY17 v/s Q2 FY16
Performance Highlights Q2 FY17 v/s Q2 FY16 ` in Crore 2,18,658 2,65,679 4,84,337 83,029 Advances Business Deposits 77% 11% 9% 7% PSL 2,04,661 2,39,282 4,43,943 77,427 73,561 83,228 22,909 1,09,460 Retail TD Networth Bulk TD CASA 27% 16% 2% 1% 57,886 71,935 22,508 1,08,890 Sep-15 Sep-16 Analyst Prese
Slide 4: Performance Highlights Q2 FY17 (Profitability)
Performance Highlights Q2 FY17 (Profitability) ` in Crore 2.06% 1519 1600 2.10% 1400 1540 1200 2.05% 487 1000 2.00% 1.91% 800 1.95% 500 600 1.90% 400 200 1.85% 0 1.80% Fee Income NIM Ope. Profit Qtr Ended Sep-16 Qtr Ended Sep-15 Qtr Ended Sep-16 Qtr Ended Sep-15 Analyst Presentation – Q2 FY17 4
Slide 5: Performance Highlights HY ended Sep16 (Profitability)
Performance Highlights HY ended Sep16 (Profitability) ` in Crore 3500 2657 1.99% 2.00% 3000 1.94% 2500 3006 1.98% 932 2000 1.96% 1500 1108 1000 1.94% 500 0 1.92% Fee Income NIM Ope. Profit HY Ended Sep-16 HY Ended Sep-15 HY Ended Sep-16 HY Ended Sep-15 Analyst Presentation – Q2 FY17 5
Slide 6: Profit & Loss - Snapshot
Profit & Loss - Snapshot ` in Crore Quarter ended Half Year ended Particulars Sep 2016 Sep 2015 Growth % Sep 2016 Sep 2015 Growth % Interest Income 6 993 7 070 (1) 14 296 14 331 0 Interest Expenses 5 387 5 458 (1) 10 984 11 225 (2) Net Interest Income 1 606 1 612 0 3 312 3 106 7 Other Income 1 394 8
Slide 7: Other Income
Other Income ` in Crore Quarter Ended Half Year Ended Particulars Sep-16 Sep-15 Growth % Sep-16 Sep-15 Growth % Commission, Excg & Brkg 497 482 3 1 100 924 19 Profit on sale of Investments 775 154 403 967 229 322 Profit/(Loss) on revaluation of investment (1) 16 (108) (5) 19 (127) Profit on sale of
Slide 8: Fee Income Breakup
Fee Income Breakup ` in Crore Quarter Ended HY Ended Particulars Sep-16 Sep-15 Growth (%) Sep-16 Sep-15 Growth (%) BG Commission 109 105 3 194 205 -5 LC Commission 106 101 5 218 171 27 Bills Commission 6 8 -30 13 17 -26 Proc Fee & Incidental Charges 176 160 10 446 303 48 Remittances Fees 18 18 1 47
Slide 9: Balance Sheet - Snapshot
Balance Sheet - Snapshot ` in Crore As at 30-Sep-16 30-Sep-15 LIABILITIES Capital 2 059 1 604 Reserve & Surplus 25 960 22 943 Deposits 2 65 679 2 39 282 Borrowings 68 146 63 006 Other Liabilities & Provisions 14 684 11 623 Total 3 76 527 3 38 458 ASSETS Cash & Balance with RBI 11 731 11 620 Bal. wit
Slide 10: Growing Deposit Base
Growing Deposit Base ` in Crore Composition of Deposits Movement of Deposits Retail Term Deposits Q2 2017 300000 31% (30%) 250000 Current A/c 12% (10%) 200000 150000 Bulk Term Deposits 100000 41% (46%) 50000 Savings 0 Bank A/c FY 2013 FY 2014 FY 2015 FY 2016 Q2 2017 16% (14%) Bulk Term Deposits 1155
Slide 11: Credit Base
Credit Base ` in Crore Composition of Advances Movement of Advances Q2 2017 Domestic Corp. Overseas 53% Corp. 11% 250000 200000 Retail 36% 150000 100000 Domestic 50000 Q2 2016 Corp. Overseas 56% 0 Corp. FY 2013 FY 2014 FY 2015 FY 2016 Q2 2017 12% Term Loans 140803 140704 147372 150581 155506 Retail
Slide 12: Industry-wise Advances
Industry-wise Advances Outstanding ` in Crore % of Total Outstanding Industry FB NFB Total advances (Fund based+Non fund based) Infrastructure 59335 24742 84077 26.64% Basic Metal and Metal Products 14892 8845 23737 7.52% All Engineering 10298 12076 22374 7.09% Housing Loans (Incl priority sector ho
Slide 13: Composition of Borrowings
Composition of Borrowings ` in Crore Sep-16 Sep-15 Domestic - Capital instruments 20025 17215 -Other borrowings 20806 18677 -Long term infrastructure bonds 5000 4000 Overseas - Capital instruments 0 0 -Other borrowings 22315 22114 Total borrowings 68146 63006 Capital instruments constitute 43.69 % o
Slide 14: Productivity
Productivity ` in Crore Business per employee CASA per Employee 26.5 26.2 5.0 3.9 3.9 4.1 26.0 25.7 4.0 3.7 3.2 25.5 25.18 25.22 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 Q2 FY2017 FY 2013 FY 2014 FY 2015 FY 2016 Q2 FY2017 Busi/Employee CASA/Employee Note: Excluding ou
Slide 15: Robust growth in PSL book
Robust growth in PSL book ` in Crore 100000 90000 80000 24131 70000 23262 23306 24796 60000 16099 50000 40000 30000 61067 64178 59723 52639 52631 20000 10000 0 FY 2014 FY 2015 FY 2016 Q2 2016 Q2 2017 PSL (Excl. RIDF) RIDF Relentless focus for increasing PSL Book towards complying regulatory limits @
Slide 16: Investments
Investments ` in Crore Sep 2016 Particulars HTM AFS HFT Total Government securities 58 400 15 703 4 768 78 871 SASF Securities 4 389 - - 4 389 Shares (Equity) - 2 386 2 386 Shares (Preference) - 240 - 240 Debentures/ Bonds - 2 836 - 2 836 Subsidiaries / Joint Ventures 702 - - 702 Security Receipts -
Slide 17: Maturity Profile as on Sep-16
Maturity Profile as on Sep-16 ` in Crore Maturity Profile Advances Borrowings Deposits Upto 6 months 29044 16580 91037 > 6 months to 1 year 14753 877 39333 > 1 year to 3 years 79304 14420 98750 > 3 years to 5 years 37630 9056 14032 > 5 years 57927 27214 22527 Total 218658 68146 265679 Analyst Presen
Slide 18: Overhead Efficiency
Overhead Efficiency Overhead Efficiency Cost to Income 120% 100% 60% 90% 95.47% 48.68% 46.53% 100% 82.58% 88.31% 50% 43.47% 41% 37% 80% 40% 60% 30% 40% 20% 20% 10% 0% 0% FY 2014 FY 2015 FY 2016 Q2 FY17 HY FY17 FY 2014 FY 2015 FY 2016 Q2 FY17 HY FY17 Analyst Presentation – Q2 FY17 18
Slide 19: Movement in Key Ratios
Movement in Key Ratios ROEA Vs COF NIM 12.00% 3.00% 10.28% 10.27% 9.62% 9.49% 9.53% 10.00% 2.50% 8.00% 2.17% 1.90% 1.91% 1.99% 1.88% 6.00% 7.87% 7.80% 2.00% 7.17% 6.72% 6.82% 4.00% 1.50% 2.00% 0.00% 1.00% FY 2014 FY 2015 FY 2016 Q2 FY17 HY FY17 FY 2014 FY 2015 FY 2016 Q2 FY17 HY FY17 ROEA COF NIM CR
Slide 20: Movement in Key Ratios
Movement in Key Ratios ` in Crore Growth in Average CASA Growth in Average Deposits 80000 300000 70000 250000 60000 Total CASA Deposits 50000 200000 40000 150000 Avg. Avg. 30000 CASA Total 100000 20000 Deposits 10000 50000 0 0 FY 2013 FY 2014 FY 2015 FY 2016 Q2 FY17 FY 2013 FY 2014 FY 2015 FY 2016 Q
Slide 21: Capital Adequacy
Capital Adequacy ( ` Crore) Particulars Q2 2016 Q2 2017 11.66% 11.64% CET 1 (Rs.) 20804 23618 AT 1 (Rs.) 2559 4196 Tier 2 Capital (Rs.) 10508 9503 3.62% 2.97% Total Capital (Rs.) 33871 37317 RWA (Rs.) 290406 320579 1.31% 0.88% CET 1 7.16% 7.36% AT 1 0.88% 1.31% Tier 1 Ratio 8.04% 8.67% Tier 2 Ratio
Slide 22: NPA Movement
NPA Movement For the Quarter ` in Crore Particulars For HY Sep 16 Sep 16 Opening Balance 27275 24875 Add: -Fresh Slippages* 5699 8908 Of Which Restructured A/cs are Less: -Recovery** 252 391 -Upgradation 2123 2338 -Write-off 465 920 Closing Balance 30134 30134 Gross NPA % 13.05% 13.05% Net NPA % 8.3
Slide 23: NPA Classification
NPA Classification ` in Crore 410 Particulars Gross NPA Sub Standard Assets Sub Standard Assets 14665 14665 Doubtful Assets Doubtful Assets 15060 15060 Loss Assets Loss Assets 410 Total 30134 GNPA % Oustanding of Sector Advances Gross NPA GNPA % to wise O/S GNPA % of Category (A) (B) Total GNPA (B/A
Slide 24: Summary of Restructured Advances as on Sep 30, 2016
Summary of Restructured Advances as on Sep 30, 2016 ` in Crore Particulars PA NPA Total Gross 15993 13150 29143 Less: FITL Provision 728 640 1368 Net of FITL Provision 15265 12510 27775 Less: Cases considered for 1432 0 1432 Provisioning @ 0.40% Total 13833 12510 26343 Analyst Presentation – Q2 FY17
Slide 25: Industry-wise Restructured Advances as on Sep 30, 2016
Industry-wise Restructured Advances as on Sep 30, 2016 ` in Crore % of Total % of Total Net Outstanding Net Outstanding Industry Type Industry Type Outstanding Gross Outstanding Gross advances advances Petroleum (non-infra), Coal Products Agriculture & Allied Activities 320 0.14 (non-mining) and Nuc
Slide 26: Provisions & Contingencies
Provisions & Contingencies (` in Crore) Quarter Ended HY ended Particulars Sep-16 Sep-15 Sep-16 Sep-15 Depreciation on Investment 237 2 355 58 Provision for NPAs 920 666 1 689 1 606 Provision towards standard assets (254) 179 631 393 Provision for Restructured Assets (56) 20 (57) (334) (including FI
Slide 27: Fast Growing Distribution Network
Fast Growing Distribution Network 2000 1 2 1800 1 378 381 1600 1 368 1400 1200 1 319 460 462 451 1000 274 800 426 586 589 600 388 524 400 372 282 200 373 421 424 270 132 0 FY 2013 FY 2014 FY 2015 FY 2016 Q2 FY17 Rural Semi-Urban Urban Metro Overseas 1858 Branches 73 Retail Assets Centers 3392
Slide 28: Digital Footprint
Digital Footprint No. of Customer Transaction Amt for Transaction Amt for the Digital Initiatives Registrations till the Qtr Sep 2016 Half Year ended Sep 2016 30 Sep 2016 (Rs in Cr.) (Rs in Cr.) Mobile Banking 10,31,175 55 95 Internet Banking 73,45,605 113301 232530 ATM Banking - 10292 20691 Bunch N
Slide 29: Analyst Presentation – Q2 FY17
Analyst Presentation – Q2 FY17 29