IDBI Bank Limited · NSE:IDBI
IDBI Bank — Q1 FY2011 Earnings Presentation
14 slides from IDBI Bank's earnings presentation, Jul 22, 2010
Slide 1: Presentation on Performance during Q1 (2010-11)
Presentation on Performance during Q1 (2010 – 11) July y 22, 2010 22-July-10 1
Slide 2: Highlights: Balance Sheet
Highlights Business stands at Rs. 2.93 lakh Crore B nce Sheett Balance sheet size at Rs. 2.25 lakh Crore Deposits epos s at Rs. s. 1,57,204 , 7, C Crore; o e; growth g ow 36% % CASA at 13.00% of total deposits Balan Advances at Rs.1,35,329 Crore; growth 38% Business per Employee Rs. Rs 2
Slide 3: Highlights: Profitability
Highlights NII – Q1 FY 11 at Rs. 851 Crore (Q1 FY 10 Rs. 315 Crore) P itabillity NII – Q1 FY 11 up by 171% Fee based income for Q1 FY 11 up by 53% to Rs. 385 Crore (Q1 FY 10 Rs. 252 Crore) Profi PAT – Q1 FY 11 Rs. 251 Crore (Q1 FY 10 Rs. 172 Crore) PAT for Q1 FY 11 up by 46% 22-July-10 3
Slide 4: Highlights: Others
Highlights Balance sheet growth at 29% Total business [Dep. + Adv.] grew by 37% to Rs. 2,92,533 Cr Ottherss CRAR – 11.86% (PY 10 –12.30%) - Tier Ti I : 6.69% 6 69% <> Tier Ti II: II 5.17% 5 17% Branches increased to 722 ATMs increased to 1228 22-July-10 4
Slide 5: Profit & Loss Account
Profit & Loss Account (Rs. Crore) Quarter ended Year ended Particulars June 10 June 09 Mar 10 Mar 09 Interest income 4289 3461 15261 11541 Interest expenses 3438 3147 13005 10306 Net Interest income 851 315 2256 1235 Other Income 466 758 2302 1481 Total income 1317 1072 4558 2716 Operating Expenses
Slide 6: Details of Other Income
Details of Other Income (Rs. Crore) Quarter ended Year ended Particulars June 10 June 09 Mar 10 Mar 09 Commission, Excg & Brkg 320 213 1225 725 Profit on sale of investments 10 465 748 410 Profit/(Loss) on revaluation of investment -11 -11 -51 51 -86 86 Profit on sale of Fixed Assets -1 0 -1 13 Prof
Slide 7: Details of Operating Expenses
Details of Operating Expenses (Rs. Crore) Quarter ended Year ended Particulars June 10 June 09 Mar 10 Mar 09 Staff St ff C Costt 234 119 773 583 Rent, taxes & lighting 42 25 178 114 Printing & stationery 9 6 29 26 Advertisement & Publicity 4 7 46 48 Depreciation 25 19 91 53 Postage, Telegram, Teleph
Slide 8: Key Profitability Indicators
Key Profitability Indicators Quarter ended Year ended Particulars June 10 June 09 Mar 10 Mar 09 N IInterest M Net Margini (%) 1 64% 0.80% 1.64% 0 80% 1.27% 1 27% 0.99% 0 99% Return on Assets (%) 0.45% 0.40% 0.53% 0.62% e u on Return o Equity qu y (%) 12.10% . 0% 9. 9.18% 8% 13.14% 3. % 12.11% . % Co
Slide 9: Key Operating Indicators
Key Operating Indicators Quarter ended Year ended Particulars June 10 June 09 Mar 10 Mar 09 Non-iinterest income to Total Non TotalIncome Income 9.80% 17.96% 13.11% 11.37% Efficiency [Cost- Net Income] Ratio 36.91% 29.47% 40.18% 49.26% StaffExpenses Staff Expenses to total totaliincome 4 91% 2.67% 4
Slide 10: Balance Sheet
Balance Sheet (Rs. Crore) As at 30-Jun-10 30-Jun-09 LIABILITIES Capital 725 725 Reserve & Surplus 9679 8859 [Net Worth] 8448 7585 Deposits p 157204 115554 Borrowings 50084 42494 Other Liabilities & provisions 6966 6977 Total 224657 174608 ASSETS Cash & balance with RBI 12516 10778 Bal. with banks &
Slide 11: Balance Sheet Ratios
Balance Sheet Ratios 30-Jun-10 30-Jun-09 Total Business [Dep. + Adv.] (Rs Cr) 292533 213526 Net NPAs to Net Advances 1.19% 1.23% SB Deposits to Total Deposits 6.55% 5.03% Current Account Deposits to Total Deposits 6.44% 6.71% Time Deposits to Total Deposits 87.00% 88.26% Book Value - Rs. Rs 116 54 1
Slide 12: NPAs: Asset Quality
NPAs As at 30-June-2010 (Rs.Crore) Gross Advances 136364 A t Quaality Gross NPAs 2640 Gross NPAs as % of Gross Advances 1.94 Total Provisions held 1034 Net Advances 135329 Asset Net NPAs 1606 Net NPAs as % of Net Advances 1.19 Provision Coverage g Ratio ((%)) 39.17 Provision Coverage Ratio as per RB
Slide 13: Capital Position
Capital Position 14% 12% 10% 86% 8% 11.8 12.30% 11.31% 6% 4% 9% 5.17% % 6.69 % 6.24% 5.07% 7.11% 5.19% 2% 0% Tier I CCapital Ti i l Tier II CCapital Ti i l TTotall CAR 30‐Jun‐09 7.11% 5.19% 12.30% 31‐Mar‐10 6.24% 5.07% 11.31% 30‐Jun‐10 6.69% 5.17% 11.86% • Expected E d infusion i f i off Rs. R 3119
Slide 14: Thank You
Thank You |G) IDBI BANK 14