Indian Bank · NSE:INDIANB

Indian Bank — Q1 FY2025 Earnings Presentation

50 slides from Indian Bank's earnings presentation, Jul 29, 2024

  1. Slide 1: Cover letter to stock exchanges: Q1 FY25 results presentation

    निवेशक सेवाएँ कक्ष INVESTOR SERVICES CELL Ref. No.: ISC/143/2024-25 Date: 29.07.2024 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-400001 NSE Symbol: INDIANB

  2. Slide 2: Smart Banking Performance Analysis Q1FY25

    IND SUPREME 300 Days 2 IND SUPER 400 Dove ei sererr austen ATE AIA Ie, A HEA BTS ATT YOUR OWN BANK, ALWAYS WITH YOU IND DIGI HOME LOAN , — INDSMART Smart Banking Performance Analysis QIFY25 JEWEL LOAN NRI Helpline - 24X7 +91 44-2888 2999

  3. Slide 3: Contents

    Contents Topic Page 1 Performance Highlights 3 2 Business Snapshot 6 3 Financials 14 4 Capital & Risk Management 24 5 Asset Quality 27 6 Financial Inclusion 34 7 Digital Banking & Business Network 36 43 8 ESG, Group Entities & Awards 2/49

  4. Slide 4: Performance Highlights Q1 FY25 (YoY)

    01 Performance Highlights Q1 FY25 (YoY) 3/49

  5. Slide 5: Performance Highlights Q1FY25

    Performance Balance Capital & Risk Shareholding Business Investment Financials Asset Quality Highlights Sheet Management & Ratings Performance Highlights Q1FY25 Business Deposits Advances CASA : 6% ₹ 5.39 lakh Cr CD Ratio ₹ 12.20 lakh Cr ₹ 6.81 lakh Cr SB: 6% 11% 12% 79.15% 10% CA: 5% Business (YoY)

  6. Slide 6: Consistent Performance (QoQ)

    Performance Balance Capital & Risk Shareholding Business Investment Financials Asset Quality Highlights Sheet Management & Ratings Consistent Performance (QoQ) Business (₹ lakh Cr) RAM (₹ lakh Cr) RAM Share (%) out of Domestic Advances 3.13 12.22 12.20 3.10 63% 11.33 11.64 11.01 2.97 62% 62% 62% 6.5

  7. Slide 7: Business Snapshot

    02 Business Snapshot 6/49

  8. Slide 8: Business Snapshot

    Performance Balance Capital & Risk Shareholding Asset Quality Business Investment Financials Management Highlights Sheet & Ratings Business Snapshot ₹ in Cr Domestic Deposits Sl No Parameter 30.06.2023 31.03.2024 30.06.2024 QoQ (%) YoY (%) Domestic Deposits 601957 661826 654030 1 Deposits 621539 688

  9. Slide 9: Advances (Domestic): Retail, Agriculture, MSME

    Performance Balance Capital & Risk Shareholding Business Investment Financials Sheet Management & Ratings Asset Quality Highlights Advances (Domestic) ₹ in Cr Sector 30.06.2023 31.03.2024 30.06.2024 YoY (%) Retail 30.06.2023 31.03.2024 30.06.2024 YoY (%) Gross Advances-Domestic 450634 498160 502618

  10. Slide 10: Priority Sector Achievement

    Performance Balance Capital & Risk Shareholding Business Investment Financials Sheet Management & Ratings Asset Quality Highlights Priority Sector ₹ in Cr Achievement RBI Benchmark Mandatory Target Segment (as on 30.06.24) (Excluding PSLC) (as % of ANBC) (Amount) Amount % Priority Sector 40.00% 1678

  11. Slide 11: Sector Deployment-Domestic Advances

    Performance Balance Capital & Risk Shareholding Business Investment Financials Management & Ratings Asset Quality Highlights Sheet Sector Deployment-Domestic Advances ₹ in Cr % share YoY Sector 30.06.2023 30.06.2024 to Gross (%) Advances Infrastructure 55893 57884 12 4 of which Power 19597 20601 4 5

  12. Slide 12: External Rating-wise Advances

    Performance Balance Capital & Risk Shareholding Business Investment Financials Management & Ratings Asset Quality Highlights Sheet External Rating-wise Advances ₹ in Cr External Rating 30.06.2023 31.03.2024 30.06.2024 (More than Rs. 10 Cr, For CRE/MSME > Rs. 25 Cr) Exposure % to Total Exposure % to

  13. Slide 13: Standard NBFC Advances

    Performance Balance Capital & Risk Shareholding Business Investment Financials Sheet Management & Ratings Asset Quality Highlights Standard NBFC 30.06.2023 % 31.03.2024 % 30.06.2024 % ₹ in Cr Standard NBFC NBFC - HFCs 17412 31% 16393 30% 16141 29% Advances NBFC - PSUs 5327 9% 1287 3% 1278 2% NBFC -

  14. Slide 14: Investments (Domestic)

    Performance Balance Capital & Risk Shareholding Asset Quality Business Investment Financials Sheet Management & Ratings Highlights Investments (Domestic) ₹ in Cr S No Details 30.06.2023 31.03.2024 30.06.2024 YoY (%) Investment Portfolio 1 SLR Investments 150919 162527 166707 10 Of which 214663 21030

  15. Slide 15: Financials

    o3 © Financials | ee 14/49

  16. Slide 16: Operating Profit & Net Profit

    Performance Balance Capital & Risk Shareholding Business Investment Financials Sheet Management & Ratings Asset Quality Highlights Operating Profit & Net Profit ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2023 31.03.2024 30.06.2024 QoQ (%) YoY (%) 31.03.2024 1 Interest Income 13049 14624

  17. Slide 17: Income

    Performance Balance Capital & Risk Shareholding Asset Quality Highlights Business Investment Financials Sheet Management & Ratings Income ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2023 31.03.2024 30.06.2024 QoQ (%) YoY (%) 31.03.2024 1 Interest Income on Advances and Discount on Bills

  18. Slide 18: Fee Income

    Performance Balance Capital & Risk Shareholding Asset Quality Highlights Business Investment Financials Sheet Management & Ratings Fee Income ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2023 31.03.2024 30.06.2024 QoQ (%) YoY (%) 31.03.2024 1 Transaction fees 170 196 183 -7 8 759 2 Loan p

  19. Slide 19: Expenses

    Performance Balance Capital & Risk Shareholding Business Investment Financials Sheet Management & Ratings Asset Quality Highlights Expenses ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2023 31.03.2024 30.06.2024 QoQ (%) YoY (%) 31.03.2024 1 Interest on deposits 6885 8115 8438 4 23 30494 2

  20. Slide 20: Overhead Expenses

    Performance Balance Capital & Risk Shareholding Asset Quality Highlights Business Investment Financials Sheet Management & Ratings Overhead Expenses ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2023 31.03.2024 30.06.2024 QoQ (%) YoY (%) 31.03.2024 1 Rent, Taxes & Lighting 153 159 161 1 5

  21. Slide 21: Provisions & Net Profit

    Performance Balance Capital & Risk Shareholding HRM,Quality Asset ESG, Highlights Business Investment Financials Sheet Management & Ratings RRB & Awards Provisions & Net Profit ₹ in Cr Quarter Ended Year Ended Sl No Components 30.06.2023 31.03.2024 30.06.2024 QoQ (%) YoY (%) 31.03.2024 1 Operating P

  22. Slide 22: Performance Ratios

    Performance Balance Capital & Risk Shareholding HRM, Quality Asset ESG, Highlights Business Investment Financials Sheet Management & Ratings RRB & Awards Performance Ratios % Annualized Quarter Ended Year Ended Sl Ratios No 30.06.2023 31.03.2024 30.06.2024 31.03.2024 1 Cost of Deposits 4.60 5.01 5.0

  23. Slide 23: Performance Ratios (charts)

    Performance Balance Capital & Risk Shareholding Business Investment Financials Sheet Management & Ratings Asset Quality Highlights Performance Ratios % Annualized Cost of Deposits Yield on Advances Cost of Funds Yield on Funds 8.53 8.81 8.69 8.15 8.36 8.36 5.01 5.05 4.60 4.75 5.13 5.12 QE Jun 23 QE

  24. Slide 24: Balance Sheet

    Performance Investment Financials Balance Capital & Risk Shareholding Asset Quality Business Management & Ratings Highlights Sheet Balance Sheet ₹ in Cr Liabilities 30.06.2023 31.03.2024 30.06.2024 Capital 1245 1347 1347 Reserves & Surplus 48419 57041 59456 Deposits 621539 688000 681183 Borrowings 1

  25. Slide 25: Capital & Risk Management

    04 Capital & Risk Management 24/49

  26. Slide 26: Capital & Risk Management

    Performance Balance Capital & Risk Shareholding Asset Quality Business Investment Financials Highlights Sheet Management & Ratings Capital & Risk Management CET 1 Additional Tier I Tier II ₹ in Cr S No Parameters 30.06.2023 31.03.2024 30.06.2024 2.41% 2.54% 2.90% 1 Common Equity Tier I (CET 1) 42834

  27. Slide 27: Shareholding & Ratings

    Performance Balance Capital & Risk Shareholding Asset Quality Business Investment Financials Highlights Sheet Management & Ratings Shareholding as on 30.06.2024 Ratings Issuer Credit Rating (Global) S & P Global Ratings Mutual Funds: 11.81% BBB- / Positive/ A-3 Resident Individual: 3.03% Insurance C

  28. Slide 28: Asset Quality

    0 (|B Asset Quality | Ae 27149

  29. Slide 29: Asset Quality

    Performance Financials Balance Capital & Risk Shareholding Asset Business Investment Management Highlights Sheet & Ratings Quality Asset Quality Amount ₹ Cr Gross NPA Net NPA Gross NPA Net NPA % 26227 5.47 21106 20302 3.95 3.77 3198 2223 0.70 0.43 2026 0.39 QE Jun-23 QE Mar-24 QE Jun-24 QE Jun-23 QE

  30. Slide 30: Movement of NPA

    Performance Financials Balance Capital & Risk Shareholding Asset Business Investment Management Highlights Sheet & Ratings Quality Movement of NPA ₹ in Cr Quarter Ended Year Ended S No Details 30.06.2023 31.03.2024 30.06.2024 31.03.2024 Fresh slippages 1 Gross NPA opening balance 28180 22787 21106 2

  31. Slide 31: Sector-wise NPA

    Performance Balance Capital & Risk Shareholding Asset Business Investment Financials Highlights Sheet Management & Ratings Quality Sector-wise NPA ₹ in Cr 30.06.2023 31.03.2024 30.06.2024 S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio

  32. Slide 32: NCLT, RBI list and NARCL accounts

    Performance Financials Balance Capital & Risk Shareholding Asset Business Investment Management Highlights Sheet & Ratings Quality ₹ in Cr 30.06.2024 Category No.of Exposure Provision PCR% Accounts RBI List I 6 1225 1225 100% RBI List II 10 2853 2853 100% NCLT Accounts filed by Bank 28 1326 1326 100

  33. Slide 33: Special Mention Account (SMA) ₹5 Cr and above

    Performance Financials Balance Capital & Risk Shareholding Asset Business Investment Management Highlights Sheet & Ratings Quality Special Mention Account (SMA) ₹5 Cr and above ₹ in Cr 30.06.2023 31.03.2024 30.06.2024 % to % to % to Respective Respective Respective Sector SMA 1 SMA 2 Total Sector SM

  34. Slide 34: Covid Restructuring (sector-wise)

    Performance Financials Balance Capital & Risk Shareholding Asset Business Investment Management Highlights Sheet & Ratings Quality Covid Restructuring (sector-wise) ₹ in Cr Reduction during the Addition during the QE Jun'24 QE Jun'24 Outstanding as Outstanding as Addition Recovery on 31.03.2024 Upgr

  35. Slide 35: Financial Inclusion

    06 Financial Inclusion 34/49

  36. Slide 36: Financial Inclusion

    Financial Digital Branch ESG Joint Venture Footprint HRM &Subsidiaries RRB Awards Inclusion Network Financial Inclusion Number of Enrolments (in Lakhs)* Jun'23 Mar'24 Jun'24 S No FI Parameters Jun'23 Mar'24 Jun'24 167 157 1 BCs engaged (Nos.) 10805 11297 11945 111 2 PMJDY Accounts under BSBDA (No. i

  37. Slide 37: Digital Banking & Business Network

    07 Digital Banking & Business Network 36/49

  38. Slide 38: INDSMART – Omni Channel App

    Financial Digital Business Joint Venture HRM ESG &Subsidiaries RRB Awards Inclusion Footprint Network INDSMART – Omni Channel App Digital Transactions Vs Manual Transactions Omni Channel Spend Analyzer Cross Platform Earnings & Expenditure Accessibility 90% 85% +5% Dashboard Integrated Bill Payment

  39. Slide 39: Expanding Digital Footprint - QE Jun'24

    Financial Digital Business Joint Venture HRM ESG &Subsidiaries RRB Awards Inclusion Footprint Network Expanding Digital Footprint - QE Jun’24 83% YoY growth in amount ~2.6X YoY growth in ~1.7X YoY growth in ~5.1X YoY growth in in Digital Retail LAD Digital MSME Loans Digital Liability Business Digit

  40. Slide 40: Digital Banking

    Financial Digital Business ESG Joint Venture HRM &Subsidiaries RRB Awards Inclusion Footprint Network Digital Banking In lakhs Mobile Banking UPI Users Transactions Users Remitter Transactions YoY YoY YoY 22% 30% YoY 33% 175 56% 11829 169 185 131 138 142 7574 Jun-23 Jun-24 QE Jun 23 QE Jun 24 Jun-23

  41. Slide 41: Major IT Infrastructure & Digital Initiatives

    Financial Digital Business Joint Venture HRM ESG &Subsidiaries RRB Awards Inclusion Footprint Network Major IT Infrastructure & Digital Initiatives Virtual Desktop Customer Relationship Cloud Adoption Data Governance Cyber Security Other Digital Initiatives Infrastructure Management • Cloud Adoption

  42. Slide 42: Business Network – 30.06.2024

    Financial Digital Business Joint Venture HRM ESG &Subsidiaries RRB Awards Inclusion Footprint Network Business Network – 30.06.2024 LCBs Region-wise 9 100 MCBs RACs 27 Northern Processing Centres & Verticals 5846 5093 SAMs Microsate 15 52 690 RAPCs MAPCs 141 3 + 1 IBU 11945 81 84 Central 1422 408 Ea

  43. Slide 43: Human resources: staff profile and initiatives

    Financial Digital Branch Joint Venture HRM ESG &Subsidiaries RRB Awards Inclusion Footprint Network Domestic Average % of Female Total Male Female (As on 30.06.24) age of staff staff Officers 25893 18541 7352 38 28% Clerks 12554 8058 4496 38 36% Sub-staff 2095 1806 289 47 14% Full Time Sweepers 233

  44. Slide 44: ESG, Group Entities & Awards

    08 ESG, Group Entities & Awards 43/49

  45. Slide 45: Environmental, Social & Governance

    Financial Digital Branch Joint Venture Inclusion Footprint Network HRM ESG &Subsidiaries RRB Awards Environmental, Social & Governance nvironmental ocial overnance • Sanction for installing PV panels to IIET, Chennai • Well defined policies and SOPs • Sanction of 2 units of 15 seater E-vehicles to I

  46. Slide 46: Joint Venture & Subsidiary

    Financial Digital Branch Joint Venture HRM ESG RRB Awards Inclusion Footprint Network &Subsidiaries Joint Venture & Subsidiary  Consortium of credible Public & Private  In the business of Stock Broking & DP  Incorporated on 09.02.2024 Corporate entities from India and Sompo of  Listed on NSE and

  47. Slide 47: Regional Rural Banks

    Financial Digital Branch Joint Venture Footprint HRM ESG &Subsidiaries RRB Awards Inclusion Network Regional Rural Banks ₹ in Cr Tamil Nadu Grama Bank Saptagiri Grameena Bank Puduvai Bharathiar Grama Bank Total of 3 RRBs Total Parameters QE QE QE QE YE FY24 FY24 FY24 Jun-23 Jun-24 YoY Jun-23 Jun-24

  48. Slide 48: Awards & Accolades

    Financial Digital Branch Joint Venture HRM ESG &Subsidiaries RRB Awards Inclusion Footprint Network Awards & Accolades Best Customer Experience Indian Bank basketball won Initiatives Award (Public 63rd P D Chidambara Sourya Sector Bank) at ACI South Narayanan Memorial ever Asia Converge 2024 rolling

  49. Slide 49: 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

  50. Slide 50: Thank You

    Thank You

Indian Bank — Q1 FY2025 Earnings Presentation on 6ix