IDBI Bank Limited · NSE:IDBI

IDBI Bank — Q1 FY2019 Earnings Presentation

35 slides from IDBI Bank's earnings presentation, Aug 14, 2018

  1. Slide 1: Presentation to Analysts Q1 FY 2019

    |G) IDBI BANK Bank Aisa Dost Jaisa Presentation to Analysis Q1 FY 2019 August 14, 2018

  2. Slide 2: Content

    Content Highlights Financial Performance Business Performance Asset Quality Capital Digital Banking Financial Inclusion 2

  3. Slide 3: Highlights

    |@ IDBI BANK | 3

  4. Slide 4: Highlights - YoY

    Highlights - YoY Operating profit increased by Rs.238 crore (28%) NII increased by Rs.237 crore (17%) Interest Expenses reduced by Rs.488 crore (11%) Operating expenses reduced by Rs.45 crore (4%) Recovery from W/off accounts increased from Rs.24 Cr. to Rs.69 Cr. NIM improved by 45 bps from 1.72% to

  5. Slide 5: Highlights (Q-o-Q)

    Highlights (Q-o-Q) Operating profit (excl. non-core profit) improved by Rs.565 crore (109%) NII increased by Rs.723 crore (79%) Interest Expenses reduced by Rs.178 crore (4%) Operating expenses reduced by Rs.53 crore (4%) NIM improved by 98 bps from 1.19% to 2.17% Cost to Income Ratio reduced to 52.

  6. Slide 6: Financial Performance

    mlatelarestel Performance |@ IDBI BANK | 6

  7. Slide 7: Profit & Loss

    Profit & Loss (Rs.Crore) Quarter ended Growth Growth Particulars June-17 March-18 June-18 (Y-o-Y)% (Q-o-Q)% Interest Income 6 011 5 214 5 760 (4) 10 Interest Expenses 4 609 4 299 4 121 (11) (4) Net Interest Income 1 402 915 1 639 17 79 Other Income 686 2 700 643 (6) (76) Net Total Income 2 088 3 615

  8. Slide 8: Interest Income & Interest Expenses

    Interest Income & Interest Expenses (Rs.Crore) Quarter ended Growth Growth Sr.No Particulars June-17 Mar-2018 June-18 (Y-o-Y)% (Q-o-Q)% 1 Interest Income (2+3+4) 6011 5214 5760 (4) 10 2 Interest on Advances 4068 3320 3876 (5) 17 Interest on Investments & RBI/Interbk 3 Funds 1669 1531 1601 (4) 5 4 Ot

  9. Slide 9: Declining Operating Expenses

    Declining Operating Expenses (Rs.Crore) 1245 1253 1200 800 741 749 504 453 452 Qtr June 17 Qtr Mar 18 Qtr June 18 Operating Expenses Other Operating expenses Staff Expenses Declining Trend of Operating Costs (Y-o-Y) mainly on account of various initiatives towards cost rationalization 9

  10. Slide 10: Provisions & Contingencies

    Provisions & Contingencies (Rs.Crore) Quarter Ended Particulars Jun-17 Mar-18 June-18 Depreciation on Investment 404 707 68 - MTM Gain/(Loss) (33) (193) 321 - MTM W/back - - (488) Provision for NPAs 1 873 10 773 4 603 Provision towards standard assets 99 (1564) (87) Provision for Restructured Assets

  11. Slide 11: Cost Ratios

    Cost Ratios Qtr June 17 Qtr Mar 18 Qtr June 18 Declining Trend in Cost of Cost 5.78% of Funds & Cost of Deposits 5.41% 5.34% Qtr June 17 Qtr Mar 18 Qtr June 18 Cost of Deposits 5.99% 5.83% 5.72% Cost of Funds 11

  12. Slide 12: Yield Ratios

    Yield Ratios Qtr June 17 Qtr Mar 18 Qtr June 18 NIM has improved significantly by 45 8.83% bps 8.43% 7.18% Yield on Advances has improved by 40 bps NIM Yield on Advances 2.17% 1.72% Cost to Income Ratio 1.19% 59.61% 52.62% 34.67% June-17 March-18 June-18 June-17 March-18 June-18 12

  13. Slide 13: Business Performance

    Business Performance 13

  14. Slide 14: Balance Sheet

    Balance Sheet (Rs.Crore) As at 30-Jun-17 31-Mar-18 30-Jun-18 LIABILITIES Capital 2 071 3 084 4 181 Reserve & Surplus 19 731 18 126 22 500 Deposits 2 43 058 2 47 932 2 39 896 Borrowings 56 204 63 186 45 941 Other Liabilities & Provisions 15 625 17 987 10 157 Total 3 36 689 3 50 314 3 22 675 ASSETS Ca

  15. Slide 15: CASA Performance

    CASA Performance (Rs.Crore) Terminal level YoY QoQ Parameters June-17 Mar -18 June - 18 variation variation Global Deposits 243058 247932 239896 -1% -3% CASA Share (%) 33.67 37.15 35.51 CASA Deposits 81837 92102 85180 4% -8% Saving Deposits 49521 57125 54772 11% -4% Current Deposits 32315 34977 3040

  16. Slide 16: CASA-Low Cost Deposit

    CASA-Low Cost Deposit (Rs.Crore) CASA Terminal Level Savings Deposits 57125 92102 54772 85644 52225 85376 51488 85180 49521 81837 June-17 Sept -17 Dec - 17 Mar -18 June - 18 June-17 Sept -17 Dec - 17 Mar -18 June - 18 CASA % 37.15% 35.34% 36.14% 35.51% CASA Deposits have improved by 5.46% Y-o-Y 33.6

  17. Slide 17: Advances

    Advances (Rs.Crore) Terminal level YoY QoQ Parameters June-17 Mar -18 June - 18 variation variation Gross Advances 208085 198853 187814 -10% -6% Corporate 126255 110254 99418 -21% -10% Retail 81830 88599 88397 8% 0% Corporate : Retail (%) 61:39 55:45 53:47 Global Net Advances 187251 171740 159799 -1

  18. Slide 18: Retail Products Growth

    Retail Products Growth (Rs.Crore) As on Structured Retail Assets Jun-17 Mar-18 Jun-18 TOTAL Structured Retail Assets 40378 45518 45859 SRA Disbursements (for Qtr) 2867 4335 2572 PL HL LAP 409 32042 32384 10606 321 395 10670 8647 29449 Jun-17 Mar-18 Jun-18 Jun-17 Mar-18 Jun-18 Jun-17 Mar-18 Jun-18 AL

  19. Slide 19: Top 20 Industry-wise Advances

    Top 20 Industry-wise Advances (Rs.Crore) Outstanding as on 30.06.2018 % of Total Outstanding Top 20 Industries NFB advances FTNPA for Standard FB Total GNPA Exposure (Fund the Qtr Stressed O/s based+Non fund based) Infrastructure of which: 38974 37528 64222 17.97% 14924 767 14254 -Transport 10909 97

  20. Slide 20: Profitability Ratio

    Profitability Ratio Performance (in %) Quarter ended Particulars Jun-17 Mar-18 Jun-18 Cost of all Liabilities 5.35% 5.12% 5.04% Yield on Total assets 7.82% 9.34% 7.77% Margin 2.47% 4.21% 2.73% Cost of funds 5.99% 5.83% 5.72% Ret on Earning assets 8.21% 10.10% 8.45% Spread 2.21% 4.27% 2.73% Yield on

  21. Slide 21: Asset Quality

    Asset Quality |@ IDBI BANK | 21

  22. Slide 22: Asset Quality

    Asset Quality (Rs.Crore) PCR improved from 52.42% (June 2017) to 64.45% (June 2018) Particulars Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Gross Advances 208085 205670 204768 198853 187814 Gross NPAs 50173 51368 50622 55588 57807 Gross NPAs as % of Gross Advances 24.11% 24.98% 24.72% 27.95% 30.78% Total Pro

  23. Slide 23: Summary- Cases filed as per RBI Direction (1st & 2nd List)

    Summary- Cases filed as per RBI Direction (1st & 2nd List) - June 30, 2018 June 30, 2018 Particulars RBI 1st List RBI 2nd List No. of Cases 12 29 Cases where IDBI Bank has exposure 11 19 IDBI Bank Lead cases 2 4 Cases which have been Admitted 11 12 IDBI Bank Gross Principal O/S (Rs. Cr.) as on June

  24. Slide 24: Capital

    Capital |@ IDBI BANK | 24

  25. Slide 25: Capital Adequacy

    Capital Adequacy (Rs.Crore) Particulars June-17 Mar-18 June-18 CET 1 + CCB (Rs.) 14750 16392 11668 AT 1 (Rs.) 5854 684 684 Tier 1 Capital (Rs.) 20604 17076 12351 Tier 2 Capital (Rs.) 7614 5915 6077 Total Capital (Rs.) 28219 22991 18428 RWA (Rs.) 258332 220864 199823 CET 1+CCB Ratio 5.71% 7.42% 5.84%

  26. Slide 26: Capital Optimization

    Capital Optimization % Credit RWA to Advances (Rs.Crore) Credit RWA/Advances 106.20% 99.70% 101.66% 86.01% 90.66% Jun-17 Sep 17 Dec-17 Mar-18 Jun-18 Portfolio Realignment 126255 124560 120385 110254 99418 88599 88397 81830 81110 84383 Corporate Retail June-17 Sept -17 Dec - 17 Mar -18 June - 18 26

  27. Slide 27: Shareholding Pattern June 2018

    Shareholding Pattern June 2018 0.59 1.07 0.97 % of Share Holding 3.12 GOI 0.31 7.98 Other Insurance Companies LIC Public Foreign Portfolio Investors 85.96 FI/Banks/MF 27

  28. Slide 28: Digital Banking

    Digital Banking |@ IDBI BANK | 28

  29. Slide 29: Digital Channel Total Registrations

    Digital Channel Total Registrations Particulars June 18 June 17 Growth(%) Debit Cards in Lakhs 118 108 9.32 I Net Banking (No of 11 Customer Reg.) 9412800 8479891 Mobile Banking (No of Customer Reg. 2279846 896920 154.19 No of ATM 3735 3824 -2.33* No of E Lounge 58 58 - BHIM UPI 914049 225340 305.63

  30. Slide 30: Digital Channel Volume of Transactions (Rs in Cr)

    Digital Channel Volume of Transactions (Rs in Cr) Particulars Qtr June 18 Qtr June 17 Growth(%) ATMs 3991 3571 11.74 Debit Cards 14058 11721 19.94 Credit Cards 36 21 67.46 POS Terminals 2711 3670 -26.13* Internet Banking 130316 101752 28.07 Mobile Banking 1713 39 4303.24 * Inactive & Loss making ter

  31. Slide 31: Digital Footprints

    Digital Footprints Digital Footprints IDBI Bank received National Payments Excellence Award – 2017 by NPCI The progress on DigiDhan Mission as on June 30, 2018, data published by MeitY, IDBI Bank has scored 61 marks (out of 100 marks). The Bank has been ranked 19th amongst the 56 Public, Foreign & P

  32. Slide 32: Branch & ATM Network – Pan India

    Branch & ATM Network – Pan India No. of Branches No. of ATMs 1926 1916 3824 3779 1899 3735 Jun-17 Mar-18 Jun-18 Jun-17 Mar-18 Jun-18 0% 23% 22% 793 548 610 576 615 580 24% 31% Jun-17 Mar-18 Jun-18 Rural Semi-Urban Urban BC nos. BF nos. Metro Overseas 32

  33. Slide 33: Financial Inclusion

    Financial Inclusion |@ IDBI BANK | 33

  34. Slide 34: Financial Inclusion

    Financial Inclusion PMJDY Avg. Bal. (in Rs.) 2634 2305 Jun 17 Jun 18 Aadhar based DBT Txs (No.) DBT amount received (Rs. 31108928 Lakh) 844 18140874 402 June 17 June 18 June 17 June 18 34

  35. Slide 35: Thank You

    Thank You |@ IDBI BANK | 35

IDBI Bank — Q1 FY2019 Earnings Presentation on 6ix