Presentation to Analysts Presentation to Analysts y April 2012 April 2012 p
Genesis Genesis 1964-19 1964-1976 1994- 1994- 00 2003 - 2003 - 06 2007- 10 200 S et up by an p y IDBI Act IDBI Repeal Act p Complete p passed in Networking amended to Act of December 2003 (100% Core Parliament in permit private for conversion Banking) ownership upto 1964 as a to a banking g Organization g subsidiary of subsidiary of 49% 49% . . company. structure the Central Domestic IPO in Govt. ownership redesigned on Bank (RBI) 1995, reduces to be not below Customer Ownership Govt. stake to 51% S g S egmentation transferred to t f d t 72% 72% . basis Amalgamation Govt. in 1976 Post capital of IDBI Bank Ltd. Name changed restructuring in IDBI had been a With IDBI Ltd. to IDBI Bank Ltd p policy bank in y 2000, Govt. W.e.f. April 2, W.e.f. April 2, Achieved Achieved stake reduced the area of 2005 regulatory industrial to 58.5% Oct. 2006 norms of S LR, financing and amalgamated CME development development erstwhile UWB erstwhile UWB. 2
Status as Leading DFI Status as Leading DFI • • Leading provider of long term finance Leading provider of long term finance o Played an apex role in helping create the industrial and infrastructural base in the country o Total Investments generated – ` 4000 billion (approx.) (over US d ` 4000 billi T l I ( ) ( US D D 80 bn) ignificant player in domestic debt syndication . o S • Played a pivotal role in developing institutions that shaped the country’s financial architecture o NS o NS E E - Electronic S Electronic S tock Exchange tock Exchange, o NS DL - S ecurities Depository, o CARE - Rating Agency, o S S HCIL HCIL - Depository Participant e stamping etc Depository Participant , e-stamping etc. o S IDBI - Funding institution for S S I and ME o Exim Bank- A bank to finance export Import o ARCIL - Asset reconstruction company o NeDFI - For development of North-East Region 3
Distribution Network Distribution Network • • Reach Reach • 973 branches; 1542 ATMs • 1- Overseas, 264-Metro, 377-Urban, 236-S emi Urban & 95-Rural • Presence in 660 locations • Network of : o 72 Retail Asset Centres o 30 City S ME Centres o 21 Agri Processing Centres o 5 Regional Processing Units o 23 Central Clearing Units 23 C t l Cl i U it • 6 Currency Chests across the country • Internet banking • • 4 Regional & 1 Central Training College 4 Regional & 1 Central Training College • Corporate customers:3000+ • Retail customer base: 6.5 million+ • • Global expansion plans Global expansion plans • Initiated the process for setting up Branch Offices at S ingapore and Representative Office at S hanghai 4
Highlights Highlights (Q4 FY 12 over Q4 FY 11) ( ` in Crore) 181158 210493 1211 652 1195 771 OME IT S D EPOSITS S F EE I NCO A DVANCE O P P ROF PAT NII 20% 2% 49% 15% 17% 9% O A D F 157098 180486 1167 516 1107 543 24.10 1.17 20.88 0.89 21.95 2.07 2.07 16.39 ROE ROA NIM CASA R N C Mar ‐ 12 Mar ‐ 11 Mar ‐ 12 Mar ‐ 11 Mar ‐ 12 Mar ‐ 11 Mar 12 Mar 11 5
Highlights ( FY 12 over FY 11) Highlights ( ` in Crore) 181158 210493 4545 1715 4056 2032 OME IT S D EPOSITS S F EE I NCO A DVANCE O P P ROF PAT NII 23% 15% 17% 2% 6% 3% O A D F 157098 180486 4158 1650 4269 1762 2.10 24.10 0.81 15.08 2.02 20.88 0.73 14.93 ASA M NIM OA OE CA RO RO Mar ‐ 12 Mar ‐ 11 Mar ‐ 12 Mar ‐ 11 Mar 12 Mar 11 Mar ‐ 12 Mar ‐ 11 6
Balance Sheet Balance Sheet ( ` in Crore) ( ` in Crore) As at 31-Mar-12 31-Mar-11 LIABILITIES Capital Capital 1278 1278 985 985 Reserve & Surplus 18149 13582 [Net Worth] 17544 12642 Deposits 210493 180486 Borrowings 53478 51570 Other Liabilities & provisions 7440 6755 Total 290837 253377 ASSETS Cash & balance with RBI 15090 19559 Bal. with banks & money at call 2967 1207 Investments 83175 68269 Advances 181158 157098 Fixed Assets [incl leased assets] 3019 3037 Other Assets 5427 4206 Total 290837 253377 7
Profit & Loss Profit & Loss ( ` in Crore) ( ` in Crore) Quarter Ended FY Ended Particulars Mar-12 Mar-12 Mar-11 Mar-11 Interest income Interest income 6079 6079 5023 5023 23370 23370 18541 18541 Interest expenses 4869 3917 18825 14272 Net Interest income 1211 1107 4545 4269 Other Income Other Income 777 777 677 677 2119 2119 2143 2143 Total income 1988 1784 6664 6413 Operating Expenses 793 617 2607 2255 - Employee Cost 383 305 1187 1046 - Other Operating Expenses 410 313 1420 1208 Operating Profit 1195 1167 4056 4158 Provisions & contingencies 424 651 2025 2508 - NPAs / Write offs NPA / W i ff 58 58 -316 316 646 646 372 372 - Restructured Assets 104 7 264 123 - Others (Invt., Std Asset, etc) 112 591 517 1383 - Tax Tax 150 150 369 369 598 598 631 631 Profit After Tax 771 516 2032 1650 8
Details of Other Details of Other Income Income ( ` in Crore) Quarter Ended FY Ended P ti Particulars l M Mar-12 12 Mar-11 M 11 Mar-12 M 12 Mar-11 M 11 Commission, Excg & Brkg 577 483 1531 1552 Profit on sale of investments 27 48 188 143 Profit/(Loss) on revaluation of investment i/( ) l i i 12 4 -33 -20 Profit on sale of Fixed Assets 0 -2 -2 -3 Profit on forex/derivatives 70 57 172 190 Dividend from subsidiaries 14 0 18 33 Recovery from written off cases 56 73 142 144 Other misc income 21 13 102 104 Total 777 677 2119 2143 Fee Based Income 652 543 1715 1762 9
Details of Operating Expenses Details of Operating Expenses ( ` in Crore) Quarter Ended FY Ended Particulars Mar-12 Mar-11 Mar-12 Mar-11 Staff Cost 383 305 1187 1046 Rent, taxes & lighting Rent, taxes & lighting 75 75 58 58 224 224 208 208 Printing & stationery 12 11 42 35 Advertisement & Publicity 4 8 26 46 Depreciation Depreciation 30 30 29 29 116 116 127 127 Postage, Telegram, Teleph., etc 20 13 74 51 Repairs and maintenance 43 20 138 96 Outsourcing expenses i 64 45 192 174 Other expenditure 162 129 607 470 TOTAL 793 617 2607 2255 10
Key Ratios Key Ratios Quarter Ended FY Ended Particulars Mar-12 Mar-11 Mar-12 Mar-11 Net Interest Margin Net Interest Margin 2.07% 2.07% 2.07% 2.07% 2.02% 2.02% 2.10% 2.10% Return on Assets 1.17% 0.89% 0.81% 0.73% Return on Equity 21.95% 16.39% 15.08% 14.93% Cost of all liabilities Cost of all liabilities 7.42% 7.42% 6.73% 6.73% 7.48% 7.48% 6.31% 6.31% Yield on Total Assets 10.45% 9.80% 10.13% 9.15% Margin 3.03% 3.07% 2.65% 2.84% Cost of Funds 8.38% % 7.45% % 8.36% % 6.94% % Return on Earning Assets 10.72% 10.05% 10.38% 9.39% Spread 2.34% 2.60% 2.02% 2.45% Non-interest income to Total Income 11.33% 11.88% 8.31% 10.36% Efficiency [Cost- Net Income] Ratio 39.91% 34.60% 39.13% 35.16% Staff Expenses to total income 5.59% 5.34% 4.66% 5.06% Staff Expenses to total expenses p p 6.77% 6.72% 5.54% 6.33% Overhead efficiency ratio 97.94% 109.72% 81.26% 95.06% 11
Balance Sheet Ratios Balance Sheet Ratios ( ` in Crore) ( ` in Crore) 31-Mar-12 31-Mar-11 Total Business [Dep. + Adv.] 391651 337584 SB Deposits to Total Deposits 9.03% 7.72% Current Account Deposits to Total Deposits 15.07% 13.15% Time Deposits to Total Deposits 75.90% 79.12% Book Value - Rs. 137.24 128.40 Total Off B/Sheet item to Total Assets 51.20% 52.98% Owned Funds to total outside liabilities 6.65% 5.45% Tier One Capital 17984 15664 Tier Two Capital 13295 10953 Total Capital p 31278 26617 Total Risk Weighted Assets 214599 195117 Total Risk Weighted Assets to Total Assets 73.79% 77.01% CRAR (Total) 14.58% 13.64% CRAR - Tier I CRAR - Tier I 8 38% 8.38% 8 03% 8.03% CRAR - Tier II 6.20% 5.61% Number Of Accounts (i) Savings 6033638 4428494 (ii) C (ii) Current t 481679 481679 395731 395731 (iii) Term deposits 1554273 999705 12
NPAs NPAs ( ` in Crore) ( ` in Crore) Particulars Mar-12 Mar-11 Gross Advances 182799 158205 Gross NPAs G NPA 4551 4551 2785 2785 Gross NPAs as % of Gross Advances 2.49 1.76 Total Provisions held 1640 1107 N t Ad Net Advances 181158 181158 157098 157098 Net NPAs 2911 1678 Net NPAs as % of Net Advances 1.61 1.06 Provision Coverage Ratio Provision Coverage Ratio 41 19 41.19 39 75 39.75 Provision Coverage Ratio as per RBI Guidelines 68.28 74.66 Sectoral Net NPAs Sectoral Net NPAs % % Agri and Allied Activities 2.19 Industry (Micro, Small, Medium & Large) 1.56 Services Services 1 07 1.07 Personal Loans 0.60 13
Summary of NPAs as on Summary of NPAs as on March 31, 2012 March 31, 2012 ( ` ` in Crore) For the Quarter Gross NPA Provision Net NPA As on 01.01.2012 4640 1582 3058 Additions (First Time NPA) Additi (Fi t Ti NPA) 376 376 276 276 100 100 Less: (i) Upgradations 410 176 234 (ii) Recoveries 49 36 13 (iii) Write off 5 5 0 As on 31.03.2012 4551 1640 2911 For the Year For the Year Gross NPA Gross NPA Provision Provision Net NPA Net NPA As on 01.04.2011 2785 1107 1678 Additions (First Time NPA) 2560 1187 1373 Less: (i) Trans to Countercyclical Prov Buffer 112 -112 (i) Upgradations 419 192 227 (ii) Recoveries 55 30 25 (iii) Write off (iii) Write off 319 319 319 319 0 0 As on 31.03.2012 4551 1640 2911 14
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