Idbi Bank Limited · NSE:IDBI
Idbi Bank — Investor Presentation (July 2011)
22 slides from Idbi Bank's investor presentation, July 2011
Slide 1: Presentation to Analysts
Presentation to Analysts y July y 2011
Slide 2: Genesis
Genesis 1964-1976 1994- 00 2003 - 06 2007- 10 Set upp byy an IDBI Act IDBI Repeal p Act Complete p Act of amended to passed in Networking Parliament in permit private December 2003 (100% Core 1964 as a ownership upto for conversion Banking) subsidiary of 49%. to a bankingg Organization g the Central
Slide 3: Status as Leading DFI
Status as Leading DFI • Leading provider of long term finance o Played an apex role in helping create the industrial and infrastructural base in the country o Total T l Investments I generatedd – ` 4000 billi billion ((approx.)) ((over USD 80 bn) o Significant player in domestic debt syndication. •
Slide 4: Distribution Network
Distribution Network • Reach • 883 branches; 1459 ATMs • 1- Overseas, 252-Metro, 335-Urban, 204-Semi Urban & 91-Rural • Presence in 598 locations • Network of : o 61 Retail Asset Centres o 31 City SME Centres o 14 Agri Processing Centres o 5 Regional Processing Units o 23 C Central t l Cl Clearing i
Slide 5: Highlights (Q1 FY12 over Q1 FY11)
Highlights (Q1 FY 12 over Q1 FY 11) 154984 176282 1152 385 1031 335 OME OP PROFIT ADVANCES DEPOSITSS FEE INCO PAT NII 14% 12% 38% 24% 33% 12% 135329 157204 838 338 831 251 5
Slide 6: Balance Sheet
Balance Sheet (` in Crore) As at 30-Jun-11 30-Jun-10 LIABILITIES Capital 985 725 Reserve & Surplus 13907 9679 [Net Worth] 12977 8448 Deposits 176282 157204 Borrowings 51067 50084 Other Liabilities & provisions 7330 6967 Total 249571 224658 ASSETS Cash & balance with RBI 14801 12516 Bal. with banks &
Slide 7: Profit & Loss
Profit & Loss (` in Crore) Quarter Ended Year Ended Particulars Jun 11 Jun.11 Jun 10 Jun.10 Mar 11 Mar.11 Mar 10 Mar.10 Interest income 5629 4282 18541 15174 Interest expenses 4476 3438 14272 13005 Net Interest income 1152 844 4269 2169 Other Income 431 473 2143 2389 Total income 1583 1317 6413 4558
Slide 8: Details of Other Income
Details of Other Income (` in Crore) Quarter Ended Year Ended Particulars Jun 11 Jun.10 Jun.11 Jun 10 Mar.11 Mar 11 Mar.10 Mar 10 Commission, Excg & Brkg 268 320 1470 1225 Profit on sale of investments 58 10 143 748 Profit/(Loss) on revaluation of investment -35 1 -20 -52 Profit on sale of Fixed Ass
Slide 9: Details of Operating Expenses
Details of Operating Expenses (` in Crore) Quarter Ended Year Ended Particulars Jun 11 Jun.11 Jun 10 Jun.10 Mar 11 Mar.11 Mar 10 Mar.10 Staff Cost 244 234 1046 773 Rent, taxes & lighting 40 42 208 178 Printing & stationery 10 9 35 29 Advertisement & Publicity 16 4 46 46 Depreciation 27 25 127 91 Pos
Slide 10: Key Ratios
Key Ratios Quarter Ended Year Ended Particulars Jun.11 Jun.10 Mar.11 Mar.10 Net Interest Margin (%) 2.07% 1.61% 2.07% 1.17% Return on Assets (%) 0.54% 0.45% 0.73% 0.53% Return on Equity (%) 10.40% 12.04% 14.93% 13.14% Cost of all liabilities (%) 7.25% 6.13% 6.31% 6.69% Yield i ld on Totall Assets (%
Slide 11: Balance Sheet Ratios
Balance Sheet Ratios (` in Crore)) 30-Jun-11 30-Jun-10 Total Business [Dep. + Adv.] 331266 292533 SB Deposits to Total Deposits 7.74% 6.55% Current Account Deposits to Total Deposits 9.55% 6.44% Time Deposits to Total Deposits 82.71% 87.00% Book Value - ` 131.80 116.54 Total Off B/Sheet item to Tota
Slide 12: NPAs
NPAs (` in Crore) Particulars 30-Jun-11 31-Mar-11 Gross Advances 156451 158205 Gross NPAs 3288 2785 Gross NPAs as % of Gross Advances 2.10 1.76 Total Provisions held 1467 1107 Net Advances 154984 157098 Net NPAs 1933 1678 Net NPAs as % of Net Advances 1.25 1.06 Provision Coverage Ratio 41.21 39.75 P
Slide 13: Summary of NPAs as on Jun 30, 2011
Summary of NPAs as on Jun 30, 2011 (` in Crore) For the Quarter Gross NPA Provision Net NPA As on 01.04.2011 2785 1107 1678 Additions (First time NPA) 622 423 199 Less: (i) Upgradations 39 10 29 (ii) Recoveries 80 53 27 (iii) Countercyclical Provision 112 -112 A on 30 As 30.06.2011 06 2011 3288 1355
Slide 14: Classification of NPAs as on 30th June 2011
Classification of NPAs as on 30th June 2011 For the Quarter Gross NPA Provision Net NPA Sub Standard Assets 1679 289 1390 Doubtful Assets 1467 924 543 L Assets Loss A 142 142 0 Total 3288 1355 1933 14
Slide 15: Advances
Advances (` in Crore) Ve rtical 30-Jun-11 30-Jun-10 Nature 30-Jun-11 30-Jun-10 ICG 27833 27594 LCG 44252 39711 Bills 2588 2804 MCG 31210 29336 CC, OD, WCDL etc 30704 21721 MSME 12655 10737 Term Loans- Other 121692 110804 Agri 9247 8066 154984 135329 Total Retail 29787 19884 Total 154984 135329 Top 2
Slide 16: Advances
Advances (` in Crore) Commite C i d Industry Outstanding Exposure (FB + NFB) POWER 20,654.91 34,745.88 IRON AND STEEL 15,469.69 , 24,772.33 , ROADS & BRIDGES / PORTS 13,014.52 20,836.31 TELECOM 13,402.02 18,169.29 OIL & GAS/PETROLEUM PRODUCTS 9,715.76 16,834.42 NBFC 10,499.02 14,437.63 GENERAL M ACH
Slide 17: Restructuring
Restructuring (` in Crore) Indus try Ne t Outs tanding Financial Services 89.50 Infrastructure 337.31 Diamond Industry 96.49 Other Services 111.83 Electricity 2 627.14 Electronics 36.72 Agro Industries 28.81 IT 25.98 Health Care 179 66 179.66 Metal Industry 2 726.98 Chemical & Fertilizers 154.71 Ele
Slide 18: NPAs out of Restructured Advances as on Jun 30, 2011
NPAs out of Restructured Advances as on Jun 30,2011 (` in Crore) Net Industry Outstanding Financial Services 0.00 Infrastructure 95.55 Diamond Industry 55.75 Other Services 20.32 Electricity 47.50 Electronics 33.21 Agro Industries 13.22 IT 25.98 Health Care 3.25 M etal Industry 73.30 Chemical & Fert
Slide 19: Investments
Investments (` in Crore) Category HTM AFS HFT TOTAL Government securities 45613 4641 979 51233 SASF Securities 5541 0 0 5541 Shares 287 3232 3 3522 Debentures/ Bonds 225 2129 72 2426 Subsidiaries/ Joint Ventures 567 0 0 566 Security Receipts 0 889 0 889 Others (CPs/CD/MF)etc. 2015 2103 3622 7741 Tot
Slide 20: List of some strategic investments
List of some strategic investments Entity % IDBI ASSET MANAGEMENT LTD. 100.00 IDBI CAPITAL MARKET SERVICES LIMITED 100.00 IDBI INTECH LIMITED 100.00 IDBI MF TRUSTEE COMPANY LTD. 100.00 IDBI FEDERAL LIFE INSURANCE COMPANY LIMITED 48.00 IDBI TRUSTEESHIP SERVICES LIMITED 39.78 SIKKIM INDUSTRIAL DEVELOP
Slide 21: Liabilities
Liabilities (` in Crore) Deposits 30-Jun-11 30-Jun-10 Current 16838 10124 Savings 13639 10305 Term 145805 136775 Total 176282 157204 Borrowings 30-Jun-11 30-Jun-10 Tier I 3839 3839 Upper Tier II 4286 3286 Lower Tier II 6802 5549 Flexibonds 485 571 Omnibonds 15091 17513 Refinance/Borrowings 10063 115
Slide 22: Thank You
@ DBI BANK Thank You