Indian Bank · NSE:INDIANB
Indian Bank — Q1 FY2022 Earnings Presentation
55 slides from Indian Bank's earnings presentation, Jul 19, 2021
Slide 1: Presentation on Unaudited Financial Results Q1 FY 2021-22
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Slide 2: Performance Analysis Q1 FY 22
Your own Bank, Always with You Treasure the golden moments Care wrapped with added Your chance to build an of your life…. benefits…. influential business…. Performance Analysis IB Rupay Debit card IB Visa Credit Card IND Sanjeevani GECLS 4.0 Q1 FY 22 Dream it and we will help you Make your assets wo
Slide 3: Contents
Contents 1 Performance Highlights 2 Financials 3 Business Snapshot 4 Capit al & Capital & Risk Risk Management Management 5 Asset Quality 6 Financial Inclusion 7 Digital Banking 8 Amalgamation / Transformation 9 Strategies and focus areas 2/54
Slide 4: Performance Highlights
Performance Highlights 3/54
Slide 5: Performance Highlights Q1 FY 22 (YoY)
Performance Highlights Q1 FY 22 ( YoY) Robust growth in profit with substantial improvement in Asset Quality 4/54
Slide 6: Financials
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Slide 7: Financials – Operating Profit and Net Profit
Financials – Operating Profit and Net Profit ` in Cr Quarter Ended Sl No Components 30.06.2020 31.03.2021 30.06.2021 Q-o-Q (%) Y-o-Y (%) 1 Interest Income 10120 8904 9624 8 -5 2 Interest Expenses 6246 5570 5629 1 -10 3 Net Interest Income (1-2) 3874 3334 3994 20 3 4 Non Interest Income 1327 1744 187
Slide 8: Income
Income ` in Cr Quarter Ended Sl No Components 30.06.2020 31.03.2021 30.06.2021 Q-o-Q (% ) Y-o-Y (% ) 1 Interest Income on Advances and Discount on Bills 7149 6025 6765 12 -5 2 Interest on investments 2775 2789 2772 -1 - 3 Sundry interest income 196 90 87 -3 -56 4 Total Interest Income (1+2+3) 10120
Slide 9: Fee Income
Fee Income ` in Cr Quarter Ended Sl No Components 30.06.2020 31.03.2021 30.06.2021 Q-o-Q (%) Y-o-Y (%) 1 Transaction fees 75 192 161 -16 114 2 Loan processing charges 113 156 98 -37 -13 3 Commission on Government business 10 23 10 -55 - 4 Commission on LC/BG 129 96 79 -18 -39 5 Cross selling 5 28 10
Slide 10: Expenses
Expenses ` in Cr Quarter Ended Sl No Components 30.06.2020 31.03.2021 30.06.2021 Q-o-Q (%) Y-o-Y (%) 1 Interest on deposits 5869 5290 5372 2 -8 2 Interest on borrowings 339 228 213 -6 -37 3 Sundry interest expenses 38 52 44 -15 17 4 Total Interest Expenses (1+2+3) 6246 5570 5629 1 -10 5 Salary 953 1
Slide 11: Overhead Expenses
Overhead Expenses ` in Cr Quarter Ended Sl No Components 30.06.2020 31.03.2021 30.06.2021 Q-o-Q (%) Y-o-Y (%) 1 Rent, Taxes & Lighting 119 149 128 -14 7 2 Depreciation 109 208 151 -27 39 3 Insurance 166 171 178 4 7 4 Travelling and Halting 27 44 37 -16 37 5 Postage, Telecommunications etc. 26 27 30
Slide 12: Provisions and Net Profit
Provisions and Net Profit ` in Cr Quarter Ended Sl No Components 30.06.2020 31.03.2021 30.06.2021 Q-o-Q (%) Y-o-Y (%) 1 Operating Profit 2753 2548 3472 36 26 2 Total Provisions 2384 839 2290 173 -4 Of which 3 Loan loss 1830 2870 1747 -39 -5 4 Depreciation on investments -40 163 56 -- -- 5 Standard a
Slide 13: Performance Ratios
Performance Ratios % annualised Quarter Ended Sl No Parameters 30.06.2020 31.03.2021 30.06.2021 1 Cost of Deposits 4.83 4.05 4.05 2 Cost of Funds 4.89 4.08 4.08 3 Cost to Income Ratio 47.06 49.82 40.86 4 Yield on Advances 7.59 6.27 7.06 5 Yield on Investments 6.65 6.41 6.20 6 Return on Assets (RoA)
Slide 14: Business Snapshot
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Slide 15: Business Snapshot
Business Snapshot Sl No Parameter 30.06.2020 31.03.2021 30.06.2021 Q-o-Q (%) Y-o-Y (%) ` in Cr DOMESTIC DEPOSITS 1 Deposits 489109 538071 540082 0.4 10 Core Term Deposits PD/CD Savings Bank Current account Domestic 481255 529264 531376 0.4 10 Overseas 7854 8807 8706 -1 11 31861 27727 Deposits breaku
Slide 16: Advances (Domestic)
Advances (Domestic) Sector 30.06.2020 31.03.2021 30.06.2021 YoY (% ) ` in Cr Gross Advances-Domestic 357869 379537 377741 6 Retail Retail 64940 69987 70827 9 19% Agriculture 68773 78775 80272 17 Corporates 42% MSME 60590 70180 67631 12 Agriculture Total (RAM) 194303 218942 218730 13 21% RAM % to Gro
Slide 17: Performance under Priority Sector
Performance under Priority Sector ` in Cr 30.06.2021 Mandatory Achievement Achievement (Amt) Segment (% ) Target (Excluding PSLC) (Excluding PSLC) Priority Sector 40% 144680 43.78% Agriculture 18% 64082 19.39% Small /Marginal Farmers 9% 31321 9.48% Weaker Section 11% 42870 12.97% Micro under MSME 7.
Slide 18: Performance under SHG
Performance under SHG Creating Sustainable Women Enterprises through Self Help Groups During Q1 FY 22, the Bank has disbursed ₹635.96 Cr to 0.37 lakh SHGs (4.81 lakh members). The outstanding under SHG portfolio was ₹7682 Cr to 2.93 lakh SHGs (38 lakh members) as on 30.06.2021 as against ₹6283 Cr to
Slide 19: Sector Deployment – Domestic Advances
Sector Deployment – Domestic Advances ` in Cr % share % share % share Sector 30.06.2020 to Gross 31.03.2021 to Gross 30.06.2021 to Gross Advances Advances Advances Infrastructure 58499 16 60849 16 61403 16 Of which Power 16994 5 18238 5 18786 5 Port and Road Project 9682 3 10091 3 9749 3 Other infra
Slide 20: Standard NBFC Advances
Standard NBFC Advances ` in Cr Composition 30.06.2020 % 31.03.2021 % 30.06.2021 % NBFC - PSUs 2575 6 4801 10 4484 10 NBFC - HFCs 16605 39 18136 39 18026 41 NBFC - MFIs 1462 3 1624 4 1423 3 NBFC - Others 21953 52 21441 47 20099 46 Total NBFC 42595 100 46002 100 44032 100 30.06.2021 Composition of Rat
Slide 21: Power Sector & Commercial Real Estate
Power Sector & Commercial Real Estate 30.06.2021 ` in Cr Power Sector Central State Private Total Government Government Sector Generation 31 6023 7287 13341 Distribution 5673 5673 Transmission 2259 2259 Investment 19 1368 410 1797 Total Exposure 50 15323 7697 23070 Of which NPA 2390 30.06.2021 CRE O
Slide 22: Standard Domestic Credit Exposure
Standard Domestic Credit Exposure ` in Cr 30.06.2020 31.03.2021 30.06.2021 External Rating Exposure % to Total Exposure % to Total Exposure % to Total AAA 28997 15 34439 15 30955 14 • More than `10 Cr AA 54813 29 54653 24 53112 24 • For CRE more than `5 Cr Above A 38023 20 49738 22 55557 25 Investme
Slide 23: Investments - Domestic
Investments - Domestic AFS Book Details 30.06.2020 31.03.2021 30.06.2021 Y-o-Y (%) ` in Cr Central Government Securities 76137 84814 75344 -1 Jun-20 State Government Securities 42191 43880 43080 2 8% Treasury Bills 4476 10953 25431 -- Other Approved Securities 6 5 5 -17 18% Recap Bonds 17927 17927 1
Slide 24: Non SLR Investments
Non SLR Investments ` in Cr % YoY Details Jun-20 Mar-21 Jun-21 Share Amount % PSU Bonds 1591 1596 1488 4 -103 -6 Corporate and Other Bonds 7629 9997 9935 26 2306 30 Special Govt.Sec.(Excluding Recap Bonds) 2062 1908 1861 5 -201 -10 CG Recap.Bond 17927 17927 17927 46 0 0 Share of PSU/Corporate/Others
Slide 25: Capital & Risk Management
Capital & Risk Management 24/54
Slide 26: Capital Adequacy – Risk Management
Capital Adequacy – Risk Management ` in Cr Parameters 30.06.2020 31.03.2021 30.06.2021 Capital 40168 46845 48613 Common Equity Tier I (CET 1) 30769 33609 35331 Additional Tier I 500 1980 1984 Common Equity Tier I (CET 1) Additional Tier I Tier II 3.78% 3.70% Tier II 8899 11256 11298 2.98% Total Risk
Slide 27: Shareholding and Balance Sheet
Shareholding and Balance Sheet FPI, FII,NRI and HUF, FI/Banks, Employees, 1.21% Alternative Trusts, Body Investment Corporate and Insurance Funds, 3.39% Clearing Members, Companies, 4.73% 2.67% Mutual Funds, 4.18% Pattern of Equity Shareholding Resident Individual, 3.96% Shareholder % Government of
Slide 28: Asset Quality
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Slide 29: Movement of NPA
Movement of NPA Quarter Ended ` in Cr S No Details Fresh slippages 30.06.2020 31.03.2021 30.06.2021 1 Gross NPA opening balance 41998 35237 38455 Category Q1 FY 21 Q4 FY 21 Q1 FY 22 ADDITIONS : Retail 1 1112 712 Fresh Slippages 523 8292 4204 Agriculture 1 1347 379 To old NPAs / Others 83 21 208 MSME
Slide 30: NPA Position – Sector wise
NPA Position – Sector wise 30.06.2020 31.03.2021 30.06.2021 ` in Cr S % to % to % to Sector Gross Gross Gross No respective respective Outstanding respective NPA NPA NPA portfolio portfolio portfolio 1 Retail Credit 2354 3.62 2883 4.12 70827 3567 5.04 Of which Home Loan 1021 2.25 1195 2.86 40995 147
Slide 31: NPA Position – Industry wise
NPA Position – Industry wise ` in Cr 30.06.2020 31.03.2021 30.06.2021 % to % to % to S No Industry Gross Gross Gross respective respective respective NPA NPA NPA portfolio portfolio portfolio Metal and Metal Products (Incl. 1 4112 36.00 3598 37.06 2287 28.88 Iron & Steel) 2 Petroleum & Other Mineral
Slide 32: Status of NCLT
Status of NCLT ` in Cr 30.06.2021 Category No.of Accounts Exposure Provision PCR% RBI List I 8 2890 2890 100% RBI List II 11 3660 3660 100% Accounts filed by Bank 25 1891 1791 95% Accounts filed by other Banks 154 14066 13957 99% Total 198 22507 22298 99% Exposure % PCR % RBI List I 100% 100% 99% 13
Slide 33: Transfer of NPAs to NARCL
Transfer of NPAs to NARCL ` in Cr Accounts identified by NARCL Indian Bank No of accounts Amount No of accounts Amount 101 189320 33 5017.59 Phase 1 Accounts identified by NARCL Indian Bank No of accounts Amount No of accounts Amount 22 82495 8 1893.51 Indian Bank Share (Capital Requirement 9.90%) •
Slide 34: SMA – Sector wise
SMA – Sector wise As on 30.06.21 ` in Cr % To Vehicle loan Educational loan 0.5% Standard Total 1% S No Sector SMA 1 SMA 2 Total advances standard Other Retail Home loan advance loan 8.5% 1 Retail 3594 1152 4746 67260 1.35% Corporate & 8% Of which others 20% Home Loan 1431 627 2058 39517 0.58% Vehic
Slide 35: Sector wise Restructuring details
Sector wise Restructuring details ` in Cr Sector-wise COVID Restructuring under RP 1.0 as on 30.06.2021 (` in Cr) RP Invoked RP Implemented (as on 31.03.21) RP Implemented (as on 30.06.21) % to % to Standard % to respective % to Total respective advance respective % to Total STD % to Total STD Secto
Slide 36: Financial Inclusion
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Slide 37: Financial Inclusion – Performance
Financial Inclusion – Performance Atal Pension Yojana APY Industry Per branch Rank amongst ( In lakhs) Average as on March 21 Parameters vis-à-vis Industry Bench As on Industry level all PSBs during Mark June’21 June'21 FY 2020-21 85 Number of BCs engaged 9061 2,11,265 5th 19.80 Market Share 4.30% 1
Slide 38: COVID 19 – Wellness Series
COVID 19 – Wellness Series Wellness Series I by Wellness Series II by Wellness Series III by Dr Shreevidya Venkatraman Dr Ramya Ranganathan Dr Vineet Jain Wellness Series IV by Wellness Series V by Dr Prabal Roy & Dr Jitender Kumar Isha Foundation, Coimbatore 37/54
Slide 39: Digital Banking
Digital Banking 38/54
Slide 40: Migration to Digital Channels
Migration to Digital Channels Q4 FY 21 Q1 FY 22 42% 42% 40% 40% 18% 18% Digital ATM & BNA Branch Transactions Transactions Transactions through Digital channels improved by 2% during Q1 FY 22 39/54
Slide 41: Digital Initiatives
Digital Initiatives ″ 1 2 3 4 • Integrated with new E-filing • GST enablement in UPI as acquirer website (ITR E-filing 2.0) • Positive Pay System in IndOASIS • Introduction of Online credit • Implementation of Loan • Enablement of Hot listing of Debit to confirm cheque details card application porta
Slide 42: Digital Initiatives
Digital Initiatives 5 6 7 • Integrated Financial Management system (IFMS) online payment • 5 (DFS )Models under EASE 3.0 • Integration of Digital Passbook in gateway facility for Odisha Treasury. (AP2) for improving the loan Digilocker application portfolio through digital lending • Online Property
Slide 43: Business Network
Business Network Region-wise Domestic Overseas Branches Branches 701 Northern 5809 Network 3 ATMs & Business 141 BNAs Correspondents North Eastern 5238 9186 408 Western 1431 Eastern Population group wise Central Semi Urban, 1266 Urban, 1186 1527 21% Metro, 26% Southern 1162 Rural, 1862 1934 20% 33%
Slide 44: Staff Position of the Bank
Staff Position of the Bank Category Total Male Female % of Female staff Average age Officers 24821 18056 6765 27 37 Clerks 12995 8444 4551 35 38 Sub-staff 2769 2381 388 14 47 Full Time Sweepers 311 234 77 25 45 Total 40896 29115 11781 28 38 HRMS Project Phase I is under progress – System enabled aut
Slide 45: Amalgamation / Transformation
Amalgamation / Transformation 44/54
Slide 46: Amalgamation
Amalgamation Rationalisation / Reorganisation of Offices/Branches • A broad roadmap for rationalization of Administrative Offices like FGMOs, ZOs, Inspection centres, besides Service Branches, SAM Branches, Corporate Branches and General Branches was drawn up 231 Branches 5 Service Branches 3 LCBs (
Slide 47: Transformation Roadmap
Transformation Roadmap 24 high level initiatives and 150 other initiatives - Identified for carrying out the Transformation Roadmap - Leadership development , IT operating model, Digital lending etc Transformational initiatives embarked for implementation Digital Transformation, Transformation in op
Slide 48: Initiatives
Initiatives Ind Spring Board … Financing for Start-ups Inauguration in the State of Telangana by Inauguration in the State of Maharashtra by Union Shri K T Rama Rao, Hon’ble Minister for Municipal Affairs and Minister of MSME, Road Transport & Highways, Shri Urban Development, Industries & Commerce
Slide 49: Awards & Accolades
Awards & Accolades Tamil Nadu State level NABARD Award – FY 21 CIO Circle of Excellence Platinum Award Bank was awarded by NABARD for the Shri Deepak Sarda, GM (ITD/CTO) receiving Platinum Award for Best Financial Performance and Developmental Initiatives the Bank in CIO Circle of Excellence award o
Slide 50: Joint Venture & Subsidiary
Joint Venture & Subsidiary 1 Consortium 2 of 3 1 2 3 Incorporated & Break-even in the 30.06.21 (QoQ) credible Public & In the business of licensed in 2007 5th year (FY 13-14) Private Corporate Stock Broking & Banks Stock Broking entities from India Profitable ever DP shareholding is Income: Increa
Slide 51: Regional Rural Banks (RRBs)
Regional Rural Banks (RRBs) Area of operation ` in Cr Tamil Nadu Grama Bank Saptagiri Grameena Bank Puduvai Bharathiar Grama Bank 30.06.2021 Parameters Yanam TNGB SGB PBGB No. of branches 640 225 44 Business 32090 15182 1752 Operating Profit 250 69 7 Mahe Puducherry Net Profit 132 62 4 Karaikal Gros
Slide 52: Strategies and focus areas
Strategies and focus areas 51/54
Slide 53: Strategies and focus areas
Strategies and focus areas Leverage Cost Digital YOUR TEXT HERE Revenue YOUR TEXT HERE Balance Sheet YOUR TEXT HERE YOUR TEXT HERE optimization Employee Transformation Maximization Strength growth • Leadership Development • Improving digital penetration • Focus on Capital • Reorient towards digital
Slide 54: 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
Slide 55: Thank you
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