IDBI Bank Limited · NSE:IDBI
IDBI Bank — Q3 FY2017 Earnings Presentation
27 slides from IDBI Bank's earnings presentation, December 2016
Slide 1: Presentation to Analysts Q3 FY 2017
|G) IDBI BANK Bany. Aisa Dost Jaisa . Preseniation to Analysis . Q3 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 Q3 FY17 v/s Q3 FY16
Performance Highlights Q3 FY17 v/s Q3 FY16 ` in Crore 2,17,925 2,98,194 5,16,119 84,462 Advances Business Deposits 44% 27% 16% 5% PSL 2,08,924 2,34,691 4,43,615 80,703 84,660 88,957 19,323 1,24,578 Networth excl. Intangibles Retail TD Bulk TD 26% CASA 44% 25% 19 % 58,662 71,331 14,258 1,04,699 Dec-1
Slide 4: Performance Highlights Q3 FY17 (Profitability)
Performance Highlights Q3 FY17 (Profitability) ` in Crore 1.98% 1118 1200 2.00% 1000 544 800 1.50% 0.90% 600 495 1.00% 400 0.50% 200 0 182 0.00% Fee Income NIM Ope. Profit Qtr Ended Dec-16 Qtr Ended Dec-15 Qtr Ended Dec-16 Qtr Ended Dec-15 Analyst Presentation – Q3 FY17 4
Slide 5: Performance Highlights 9M ended Dec16 (Profitability)
Performance Highlights 9M ended Dec16 (Profitability) ` in Crore 1.96% 3775 4000 2.00% 1.60% 3500 3000 1476 1.50% 2500 3189 2000 1603 1.00% 1500 1000 0.50% 500 0 0.00% Fee Income NIM Ope. Profit 9 Months Ended Dec-16 9 Months Ended Dec-15 9 Months Ended Dec-16 9 Months Ended Dec-15 Analyst Presentat
Slide 6: Profit & Loss - Snapshot
Profit & Loss - Snapshot ` in Crore Quarter ended 9 Months ended Particulars Dec 2016 Dec 2015 Growth % Dec 2016 Dec 2015 Growth % Interest Income 6 553 6 784 (3) 20 849 21 115 -1 Interest Expenses 5 703 5 228 9 16 686 16 453 1 Net Interest Income 850 1 556 (45) 4 163 4 662 (11) Other Income 551 578
Slide 7: Other Income
Other Income ` in Crore Quarter Ended 9 Months Ended Particulars Dec-16 Dec-15 Growth % Dec-16 Dec-15 Growth % Commission, Excg & Brkg 493 541 (9) 1 593 1 465 9 Profit on sale of Investments 312 105 199 1 279 334 283 Profit/(Loss) on revaluation of investment (380) (158) 140 (385) (139) 177 Profit o
Slide 8: Fee Income Breakup
Fee Income Breakup ` in Crore Quarter Ended 9M Ended Particulars Dec-16 Dec-15 Growth (%) Dec-16 Dec-15 Growth (%) BG Commission 104 111 -7 298 316 -6 LC Commission 107 108 -1 325 280 16 Bills Commission 5 8 -39 18 25 -30 Proc Fee & Incidental Charges 157 176 -10 604 478 26 Remittances Fees 26 19 38
Slide 9: Balance Sheet - Snapshot
Balance Sheet - Snapshot ` in Crore As at 31-Dec-16 31-Dec-15 31-Mar-16 LIABILITIES Capital 2 059 1 900 2 059 Reserve & Surplus 23 705 22 680 25 663 Deposits 2 98 194 2 34 691 2 65 720 Borrowings 74 287 67 135 69 574 Other Liabilities & Provisions 4 467 12 624 11 357 Total 4 02 712 3 39 031 3 74 372
Slide 10: Growing Deposit Base
Growing Deposit Base ` in Crore Composition of Deposits Movement of Deposits Retail Term Q3 2017 350000 Deposits 31% (30%) 300000 Current A/c 12% (10%) 250000 200000 Bulk Term Deposits 150000 42% (45%) 100000 Savings 50000 Bank A/c 17% (15%) 0 FY 2013 FY 2014 FY 2015 FY 2016 Q3 2017 Bulk Term Deposi
Slide 11: Credit Base
Credit Base ` in Crore Composition of Advances Movement of Advances 250000 Dec 16 Home loans 200000 150000 12% Regulatory 11% Retail 100000 2% Consumer 66% 50000 Credit 9% 0 Others FY 2013 FY 2014 FY 2015 FY 2016 Q3 2017 Term Loans 140803 140704 147372 150581 152397 Corporate Bills 4619 4884 6701 54
Slide 12: Industry-wise Advances
Industry-wise Advances ` in Crore Outstanding as on 31-Dec-16 Outstanding as on 31-Mar-16 % of Total % of Total Outstanding Top 20 Industries Outstanding advances FB NFB Total advances Total (Fund (Fund based+Non based+Non fund fund based) based) Infrastructure of which: 58276 30269 88546 21.09% 777
Slide 13: Composition of Borrowings
Composition of Borrowings ` in Crore Dec-16 Dec-15 Domestic - Capital instruments 19027 18065 -Other borrowings 26464 20826 -Long term infrastructure bonds 5000 4000 Overseas - Capital instruments 0 0 -Other borrowings 23795 24244 Total borrowings 74287 67135 Capital instruments constitute 38% of Do
Slide 14: Productivity
Productivity ` in Crore Business per employee CASA per Employee 26.5 26.2 5.0 4.7 26.05 26.0 3.7 3.9 3.9 25.7 4.0 3.2 25.5 25.18 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 Q3 FY2017 FY 2013 FY 2014 FY 2015 FY 2016 Q3 FY2017 Busi/Employee CASA/Employee Note: Excluding ou
Slide 15: PSL Book
PSL Book ` in Crore 37.49% of 100000 ANBC in Q3 90000 FY17 80000 24131 70000 23262 23849 24694 60000 16099 50000 40000 30000 61067 64178 60613 52639 56009 20000 36.32% of 10000 ANBC in Q3 0 FY16 FY 2014 FY 2015 FY 2016 Q3 2016 Q3 2017 PSL (Excl. RIDF) RIDF @The actual PSL as on March 31, 2015 stood
Slide 16: Investments
Investments ` in Crore Dec 2016 Particulars HTM AFS HFT Total Government securities 65 306 22 070 6 391 93 768 SASF Securities 4 293 - - 4 293 Shares (Equity) - 2 187 2 187 Shares (Preference) - 239 - 239 Debentures/ Bonds - 3 203 - 3 203 Subsidiaries / Joint Ventures 702 - - 702 Security Receipts -
Slide 17: Maturity Profile as on Dec-16
Maturity Profile as on Dec-16 ` in Crore Maturity Profile Advances Borrowings Deposits Upto 6 months 33514 22425 92977 > 6 months to 1 year 14397 1337 57522 > 1 year to 3 years 75767 14394 111516 > 3 years to 5 years 35988 10206 14621 > 5 years 58259 25926 21558 Total 217925 74287 298194 Analyst Pre
Slide 18: Movement in Key Ratios
Movement in Key Ratios ROEA Vs COF NIM 12.00% 3.00% 10.28% 10.27% 10.00% 9.53% 8.81% 7.61% 2.50% 2.17% 8.00% 1.90% 1.88% 2.00% 1.60% 6.00% 7.87% 7.80% 7.17% 6.73% 6.55% 1.50% 4.00% 0.90% 2.00% 1.00% 0.00% 0.50% FY 2014 FY 2015 FY 2016 Q3 FY17 9M FY17 FY 2014 FY 2015 FY 2016 Q3 FY17 9M FY17 ROEA COF
Slide 19: Movement in Key Ratios
Movement in Key Ratios ` in Crore Growth in Average CASA Growth in Average Deposits 90000 350000 80000 300000 70000 Total CASA 250000 Deposits 60000 50000 200000 40000 Avg. Avg. 150000 30000 CASA Total 100000 Deposits 20000 10000 50000 0 0 FY 2013 FY 2014 FY 2015 FY 2016 Q3 FY17 FY 2013 FY 2014 FY 2
Slide 20: Capital Adequacy
Capital Adequacy ( ` Crore) Particulars Q3 2016 Q3 2017 13.00% CET 1 (Rs.) 23034 23647 11.29% AT 1 (Rs.) 2560 4196 Tier 2 Capital (Rs.) 12604 9034 4.29% Total Capital (Rs.) 38198 36877 2.77% RWA (Rs.) 293762 326686 0.87% CET 1 7.84% 7.24% 1.28% AT 1 0.87% 1.28% Tier 1 Ratio 8.71% 8.52% Tier 2 Ratio
Slide 21: NPA Movement
NPA Movement ` in Crore For the Quarter For 9 Months Particulars Dec 16 ended Dec 16 Opening Balance 30134 24875 Add: -Fresh Slippages* 6220 15128 Of Which Restructured A/cs are Less: -Recovery** 245 636 -Upgradation 86 2424 -Write-off 778 1698 Closing Balance 35245 35245 Gross NPA % 15.16% 15.16% N
Slide 22: NPA Classification
NPA Classification 437 ` in Crore Sub Standard Particulars Gross NPA Assets Sub Standard Assets 14370 14370 Doubtful Doubtful Assets 20437 Assets 20437 Loss Assets 437 Loss Assets Total 35245 GNPA % of Sector GNPA % Oustanding Gross NPA GNPA % to wise O/S of Total Category Advances (A) (B) Total GNP
Slide 23: Summary of Restructured Advances as on Dec 31, 2016
Summary of Restructured Advances as on Dec 31, 2016 ` in Crore Particulars PA NPA Total Gross 17641 12014 29654 Less: FITL Provision 845 453 1298 Net of FITL Provision 16796 11561 28356 Less: Cases considered for 3099 0 3099 Provisioning @ 0.40% Total 13697 11561 25257 Analyst Presentation – Q3 FY17
Slide 24: Provisions & Contingencies
Provisions & Contingencies (` in Crore) Quarter Ended 9M ended Particulars Dec-16 Dec-15 Dec-16 Dec-15 Depreciation on Investment 496 71 851 129 Provision for NPAs 2 357 1,715 4 046 3 321 Provision towards standard assets (379) 1 247 252 1 640 Provision for Restructured Assets (93) (148) (150) (482)
Slide 25: Distribution Network
Distribution Network 2000 2 1 1800 1 378 451 1600 1 368 1400 1200 1 319 460 471 451 1000 274 800 426 586 571 600 388 524 400 372 282 200 373 421 396 270 132 0 FY 2013 FY 2014 FY 2015 FY 2016 Q3 FY17 Rural Semi-Urban Urban Metro Overseas 1891 Branches 3435 ATMs 53 e-Lounges 78 Retail Assets C
Slide 26: Digital Footprint
Digital Footprint Oct-16 Nov-16 Dec-16 No. of Transaction Amt No. of Transaction Amt No. of Transaction Amt Digital Initiatives Customer for month Oct 16 Customer for month Nov 16 Customer for month Dec 16 Registrations (Rs in Cr.) Registrations (Rs in Cr.) Registrations (Rs in Cr.) Mobile Banking 1
Slide 27: Analyst Presentation – Q3 FY17
Analyst Presentation – Q3 FY17 27