IDBI Bank Limited · NSE:IDBI
IDBI Bank — Q1 FY2016 Earnings Presentation
33 slides from IDBI Bank's earnings presentation, June 2015
Slide 1: Presentation to Analysts Q1 FY 2016
|G) IDBI BANK Bany. Aisa Dost Jaisa . Preseniation to Analysis . Q1 FY 2016
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: IDBI Bank's Forte
IDBI Bank‟s Forte Significant Leading player in Growing Diversified Strong provider of domestic Branch customer Brand Value Long Term Debt Network base Finance Syndication Ranks 37th amongst Completed 133 Apex role in creating Branches -1747 Corporate and top 50 brands across mandates till date indu
Slide 4: Performance Highlights Q1 FY16 (QoQ)
Performance Highlights Q1 FY16 (QoQ) ` Crore 2,04,339 2,41,328 4,45,668 75,353 Advances Business Deposits 11 % 15% 13% 20 % 11 PSL 1,84,581 2,10,343 3,94,924 62,715 53,155 70,574 22,789 1,17,599 Retail TD Networth Bulk TD CASA 22% 4% 8% 21% 44,108 57,719 22,003 1,08,516 Analyst Presentation – Q1 FY1
Slide 5: Performance Highlights Q1 FY16 (Profitability)
Performance Highlights Q1 FY16 (Profitability) ` Crore 1.70% 2.38% 2.50% 1.93% 1138 928 1.83% 1200 2.00% 1000 1.50% 800 370 445 600 1.00% 0.14% 400 106 0.50% 200 0.00% 0.16% 0 135 NIM Fee Income ROE Ope. Profit ROA PAT Quarter Ended Jun-15 Quarter Ended Jun-14 Quarter Ended Jun-15 Quarter Ended Jun-
Slide 6: Profit & Loss - Snapshot
Profit & Loss - Snapshot ` Crore Particulars Q1 FY16 Q1 FY15 Growth % FY 2015 FY 2014 Growth % Interest Income 7 261 6 733 7.8 28 154 26 598 5.9 Interest Expenses 5 767 5 482 5.2 22 406 20 576 8.9 Net Interest Income 1 494 1 251 19.4 5 748 6 021 -4.5 Other Income 642 500 28.4 4 008 2 979 34.5 Total
Slide 7: Balance Sheet - Snapshot
Balance Sheet - Snapshot ` Crore As on 30-Jun-15 30-Jun-14 LIABILITIES Capital 1 604 1 604 Reserve & Surplus 22 836 22 129 Deposits 2 41 328 2 10 343 Borrowings 64 949 65 864 Other Liabilities & Provisions 11 299 9 377 Total 3 42 016 3 09 317 ASSETS Cash & Balance with RBI 11 701 10 688 Bal. with ba
Slide 8: Growing Deposit Base
Growing Deposit Base ` Crore Composition Movement of Deposits 300000 Q1 2016 250000 Retail Term Deposits 200000 29% 150000 Bulk Term 100000 Current Deposits A/c 49% 50000 9% 0 FY 2012 FY 2013 FY 2014 FY 2015 Q1 2016 Bulk Term Deposits 114932 115522 131241 127278 117599 Savings Retail Term Deposits 4
Slide 9: Credit Base
Credit Base ` Crore Composition Movement of Advances Domestic Q1 2016 Corp. 56% Overseas 250000 Corp. 11% 200000 Retail 33% 150000 100000 Domestic Corp. 50000 Q1 2015 62% 0 FY 2012 FY 2013 FY 2014 FY 2015 Q1 2016 Term Loans 131957 140803 140704 147372 147431 Overseas Corp. Retail Bills 3278 4619 488
Slide 10: Industry-wise Advances
Industry-wise Advances ` Crore Outstanding Committed Particulars FB NFB Total FB NFB Total POWER 25 464 6 687 32 151 32 895 12 260 45 155 HOUSING LOANS 27 014 - 27 014 28 431 - 28 431 OIL AND GAS/PETROLEUM PRODUCTS 11 559 6 719 18 278 15 497 12 330 27 827 ROADS AND BRIDGES / PORTS 13 892 6 945 20 83
Slide 11: Productivity
Productivity ` Crore Business per employee CASA per Employee 29.0 28.0 5.0 28.0 3.9 4.0 3.7 27.0 26.2 3.3 3.2 3.2 25.7 26.0 3.0 24.7 25.0 23.9 24.0 2.0 23.0 1.0 22.0 21.0 0.0 FY 2012 FY 2013 FY 2014 FY 2015 Q1 2016 FY 2012 FY 2013 FY 2014 FY 2015 Q1 2016 Busi/Employee CASA/Employee Note: Excluding o
Slide 12: Robust growth in PSL book
Robust growth in PSL book ` Crore 90000 80000 23262 70000 24620 60000 16099 15903 50000 40000 30000 61517 52639 50733 46812 20000 38850 10000 0 FY 2013 FY 2014 FY 2015 Q1 2015 Q1 2016 PSL (Excl. RIDF) RIDF Relentless focus for increasing PSL Book towards complying regulatory limits @The actual PSL a
Slide 13: Investments
Investments ` Crore Q1 FY2016 Particulars HTM AFS HFT Total Government securities 50 361 18 847 2 152 71 360 SASF Securities 4 586 - - 4 586 Shares (Equity) - 2 670 18 2 689 Shares (Preference) - 382 - 382 Debentures/ Bonds - 7 871 - 7 871 Subsidiaries / Joint Ventures 702 - - 702 Security Receipts
Slide 14: Major Strategic stakes
Major Strategic stakes Pivotal role in developing Institutions that shaped country’s financial architecture Analyst Presentation – Q1 FY16 14
Slide 15: Maturity Profile as on Jun-15
Maturity Profile as on Jun-15 ` Crore Maturity Profile Advances Borrowings Deposits Upto 6 months 26010 13598 88925 > 6 months to 1 year 13087 7157 45774 > 1 year to 3 years 80749 7237 70541 > 3 years to 5 years 28571 13647 13590 > 5 years 55922 23309 22498 Total 204339 64949 241328 Analyst Presenta
Slide 16: Other Income
Other Income ` Crore Quarter Ended Particulars Jun-15 Jun-14 Growth % FY 2015 Commission, Excg & Brkg 442 369 19.8 1 935 Profit on sale of Investments 75 39 92.3 1 636 Profit/(Loss) on revaluation of investment 3 (0) 300.0 (50) Profit on sale of Fixed Assets 0 0 - 0 Profit on Forex/Derivatives 68 60
Slide 17: Overhead Efficiency
Overhead Efficiency Overhead Efficiency Cost to Income 120% 103% 100% 50% 41% 47% 90% 39% 36% 37% 100% 81% 40% 80% 64% 30% 60% 20% 40% 20% 10% 0% 0% FY 2012 FY 2013 FY 2014 FY 2015 Q1 2016 FY 2012 FY 2013 FY 2014 FY 2015 Q1 2016 Overhead Efficiency and Cost to Income ratio one of the best amongst pe
Slide 18: Movement in Key Ratios
Movement in Key Ratios ROEA Vs COF NIM & ROA 12.00% 10.38% 10.71% 10.28% 10.27% 9.48% 2.50% 2.12% 2.17% 2.02% 1.90% 10.00% 1.83% 2.00% 8.00% 8.36% 8.31% 1.50% 6.00% 7.87% 7.80% 7.44% 0.81% 1.00% 0.69% 4.00% 0.38% 0.27% 0.16% 0.50% 2.00% 0.00% 0.00% FY 2012 FY 2013 FY 2014 FY 2015 Q1 2016 FY 2012 FY
Slide 19: Movement in Key Ratios
Movement in Key Ratios ` Crore Growth in Average CASA Growth in Average Deposits 70000 300000 60000 250000 50000 CASA Total 200000 Deposits 40000 150000 30000 Avg. Avg. Total CASA 100000 Deposits 20000 10000 50000 0 0 FY 2012 FY 2013 FY 2014 FY 2015 Q1 2016 FY 2012 FY 2013 FY 2014 FY 2015 Q1 2016 He
Slide 20: Capital Adequacy
Capital Adequacy ( ` Crore) 11.78% 11.74% Particulars Q1 2015 Q1 2016 CET 1 (Rs.) 20960 20803 3.92% 3.61% AT 1 (Rs.) 32 2559 Tier 2 Capital (Rs.) 10480 10390 0.01% 0.89% Total Capital (Rs.) 31471 33751 RWA (Rs.) 267048 287376 7.85% 7.24% Tier 1 at 8.13 % as at Q1 FY 16 increased by 27 Basis Points Q
Slide 21: NPA Movement
NPA Movement ` Crore For the Quarter For FY ended Particulars Jun 15 Mar 15 Opening Balance 12685 9960 Add: -Fresh Slippages* 1614 6101 Less: -Recovery 97 1159 -Upgradation 89 608 -Write-off 1 1609 Closing Balance 14112 12685 Gross NPA % 6.64% 5.88% Net NPA % 3.18% 2.88% Prov. Coverage Ratio as per
Slide 22: NPA Movement
NPA Movement ` Crore For Quarter Jun 15 For FY ended Mar 15 Particulars NPA Provision# Net NPA NPA Provision# Net NPA Opening Balance 6692 5993 5058 4902 Additions during period 1025 589 4308 1793 Reductions during period 101 85 2673 703 Closing Balance 7616 6496 6692 5993 #Including NPV Loss of NPA
Slide 23: NPA Classification
NPA Classification 313 ` Crore 3014 Sub Standard Assets Particulars Gross NPA Doubtful Assets Sub Standard Assets 3014 Doubtful Assets 10784 Loss Assets 10784 Loss Assets 313 Total 14112 Agri and Allied Activities Particulars Gross NPA (%) 1.21 4.07 Industry 9.42 Agri and Allied Activities 9.42 Serv
Slide 24: Summary of Restructured Advances as on June 30, 2015
Summary of Restructured Advances as on June 30, 2015 ` Crore Particulars PA NPA Total Gross 19506 5066 24572 Less: FITL Provision 1128 441 1569 Net of FITL Provision 18378 4625 23003 Less: Cases considered for Provisioning @ 0.40% 2227 0 2227 Total 16151 4625 20776 Analyst Presentation – Q1 FY16 24
Slide 25: Industry-wise Restructured Advances as on June 30, 2015
Industry-wise Restructured Advances as on June 30, 2015 ` Crore Net Net Industry Type Industry Type Outstanding Outstanding AGRO INDUSTRIES 213 JEWELLERY MFG 125 AIR TRANSPORT 482 METAL INDUSTRY 1 321 AQUACULTURE 82 MINING AND QUARRYING 78 CEMENT 258 MISC. INDUSTRY 81 CERAMIC INDUSTRY 64 MOTOR VEHIC
Slide 26: Provisions & Contingencies
Provisions & Contingencies ` Crore Quarter Ended Y-O-Y Particulars Jun-15 Jun-14 FY 2015 FY 2014 Depreciation on Investment 57 64 248 180 Provision for NPAs 940 406 1 623 1 681 Provision towards standard assets 214 33 499 173 Provision for Restructured Assets (including FITL) (354) 242 364 486 Incom
Slide 27: Fast growing Distribution Network
Fast growing Distribution Network 2000 1800 1 1 1600 368 368 1 1400 1200 319 1 451 457 1 1000 274 800 264 426 600 388 524 535 377 400 372 282 200 236 373 386 270 95 132 0 FY 2012 FY 2013 FY 2014 FY 2015 Q1 2016 Rural Semi-Urban Urban Metro Overseas 1747 Branches 30 Central Clearing Unit 3114 A
Slide 28: Shareholders
Shareholders Shareholders June 15 (%) GOI 76.50 Insurance Companies 9.64 FIs / Banks 1.13 FIIs 2.68 GOI 76.5% Corp. 1.29 Others 8.76 Total 100.00 LIC 10% Others FIIs 9% 3% Corp. FIs / Banks 1% 1% Analyst Presentation – Q1 FY16 28
Slide 29: Major Awards & Accolades
Major Awards & Accolades Ranks 39th and 37th among the Significant rise of 79% in the top 50 brands in the country valuation of Bank‟s Brand over across sectors as per leading the previous year as per Brand global research organizations, Finance Banking 500 - the world’s Millward Brown (Brand Z) and
Slide 30: Key Business Initiatives
Key Business Initiatives Retail Liabilities – New Product/Services Rolled out 108 new Sub-members in the Centralized and Decentralized Payment System Introduction of Suraksha Plus Savings Account in Nov 2014 Introduction of Cash Current Account in Feb 2015 Tie-up with Global IME Bank for Nepal Remit
Slide 31: Key Business Initiatives
Key Business Initiatives Retail Assets/ Alternate Channels – New Product/Services Introduction of Education Loan Scheme “Udan”, a unique RD Linked Education loan scheme. First PSU Bank to launch “Electronic-Insurance Account (e-IA)” in association with NSDL Stepped into Credit Card business on Visa
Slide 32: Strategies & Way Forward
Strategies & Way Forward Global Expansion Focus on increasing Plans, particularly in Overseas Singapore Corporate and Shanghai. Book by Buoyancy in leveraging Bank’s brand Continue the Fee Based image. focus to Income increase exposure in Retail Scaling up Advances, CASA and particularly Retail Prio
Slide 33: Analyst Presentation – Q1 FY16
Analyst Presentation – Q1 FY16 33