IDBI Bank Limited · NSE:IDBI
IDBI Bank — Q1 FY2009-10 Earnings Presentation
15 slides from IDBI Bank's earnings presentation, Jul 15, 2009
Slide 1: Presentation on Performance during Q1 (2009-10)
Presentation on Performance during Q1 (2009 – 10) July y 15, 2009 15-July-09 1
Slide 2: Highlights: Balance Sheet
Highlights Business stands at Rs. 2.14 lakh Crore B nce Sheett Balance sheet size at Rs. 1.75 lakh Crore Deposits epos s at Rs. s. 1,15,554 , , Cr; C ; growth g ow 599 % CASA at 11.74 % of total deposits Balan Advances at Rs. 97,955 Cr; growth 25 % Business per Employee Rs. Rs 19.15 19 1
Slide 3: Highlights: Profitability
Highlights NII – Q1 FY 10 at Rs. 316 Cr (Q1 FY09 Rs.91 Cr) NII – Q1 FY 10 up by 249 % P itabillity Fee based income for Q1 FY 10 up by 65 % to Rs. Rs 252 Crore Profi PAT – Q1 FY 10 Rs. 172 Cr (Q1 FY 09 Rs.160 Cr) PAT for Q1 FY 10 up by 7.6 76% 15-July-09 3
Slide 4: Highlights: Others
Highlights Balance sheet growth at 34 % Total T t l business b i [Dep. [D + Adv.] Ad ] grew by b 42 % to t Rs. 2,13,509 Cr Ottherss CRAR – 12.30 % (PY 09 – 12.02 %) – Tier I : 7.11% <> Tier II: 5.19 % Branches increased to 566 ATMs increased to 972 15-July-09 4
Slide 5: Profit & Loss Account
Profit & Loss Account (Rs. Crore) Q1 - 10 Q1 - 09 QoQ FY 09 FY 08 YoY Particulars (Rs. Crore) (Rs. Crore) % (Rs. Crore) (Rs. Crore) % Interest income 3463 2416 43.3% 11545 7630 51.3% Interest expenses 3147 2326 35.3% 10306 7364 39.9% Net Interest income 316 91 249.1% 1239 266 366.1% Other Income 756
Slide 6: Details of Other Income
Details of Other Income (Rs. Crore) Particulars Q1 - 10 Q Q Q1 - 09 FY - 09 FY - 08 Commission, Excg & Brkg 213 108 725 349 Profit on sale of investments 465 141 410 1028 Profit/(Loss) ( ) on revaluation of investment -1 6 -86 -149 Profit on sale of Fixed Assets 0 0 13 1 Profit on forex/derivatives
Slide 7: Details of Operating Expenses
Details of Operating Expenses (Rs. Crore) Particulars Q1 - 10 Q1 - 09 Staff Cost 119 87 Rent, taxes & lighting 25 25 Printing & stationery 6 6 Advertisement & Publicity 7 3 Depreciation 19 26 Postage, Telegram, Teleph., etc 14 12 Repairs and maintenance 18 15 Outsourcing expenses 36 17 Other expendi
Slide 8: Key Profitability Indicators
Key Profitability Indicators Q1 - 10 Q1 - 09 Net Interest Margin g (%)( ) 0.81% 0.32% Return on Assets (%) 0.40% 0.50% Return on Equity (%) 9.18% 9.33% Cost of all liabilities ((%)) 7.28% 7.23% Yield on Total Assets 9.76% 8.57% Margin (%) 2.48% 1.34% Cost of Funds (%) 7.82% 8.16% Return on Earning A
Slide 9: Key Operating Indicators
Key Operating Indicators Q1 - 10 Q1 - 09 Non-interest income to Total Income 17.91% 12.33% Efficiency [Cost [Cost- Net Income] Ratio 29.47% 49.21% Staff Expenses to total income 2.67% 3.04% Staff Expenses to total expenses 3.26% 3.30% Overhead efficiency ratio 239.19% 160.43% 15-July-09 9
Slide 10: Balance Sheet
Balance Sheet (Rs. Crore) As at 30-Jun-09 30-Jun-08 LIABILITIES Capital 725 725 Reserve & Surplus 8859 8246 [Net Worth] 7585 6927 Deposits 115554 72717 Borrowings 42494 43077 Other Liabilities & provisions 6976 5645 Total 174608 130410 ASSETS Cash & balance with RBI 10771 7879 Bal. with banks & mone
Slide 11: Balance Sheet Ratios-Liabilities
Balance Sheet Ratios-Liabilities 30-Jun-09 30-Jun-08 Total Business [Dep. + Adv.] (Rs Cr) 213509 150832 Net NPAs to Net Advances 1.23% 1.36% SB Deposits to Total Deposits 5.03% 6.89% Current Account Deposits to Total Deposits 6.71% 7.79% Time Deposits to Total Deposits 88.26% 85.33% Book Value - Rs.
Slide 12: Asset Quality: NPAs
NPAs Ass at a 30 30-June-2009 Ju e 009 ((Rs.Crore) s C o e) Gross Advances 98498 A t Quaality Gross NPAs 1748 Gross NPAs as % of Gross Advances 1 77 1.77 Total Provisions held 544 Net Advances 97955 Asset Net NPAs 1204 Net NPAs as % of Net Advances 1.23 Provision Coverage Ratio 31.12 15-July-09 12
Slide 13: Strong Capital Position
Strong Capital Position 14% 12% 10% 12.30% 8% 11.57% 2% 12.02 6% 7.11% 6.81% 5.19% 4% 48% 76% 4% 4.54 7.4 5 4.7 2% 0% Tier I Capital Tier II Capital Total CAR 30- Jun- 30 Jun 08 7.48% 4.54% 12.02% 31- Mar- 09 6.81% 4.76% 11.57% 30- Jun- 09 7.11% 5.19% 12.30% • Capital considerably higher than the cu
Slide 14: Key Stock Indicators
Key Stock Indicators Shareholding Pattern : June 30, 2009 As on June 30, 2009 Market price per share (Rs) 109.9 Market Capitalisation (Rs (Rs.crore) crore) 7 965 7,965 Others Govt. of Govt 10.83% India Earnings per share (Rs)(annualised) 9.48 Public 52.67% Book value per share (Rs) 104.66 14.70% Pri
Slide 15: SASF Performance Highlights
Performance Highlights Position of Settlement as on June 30, 2009 [Rs. Crore] Particulars No of cos. Book Value Settlement Amount Total Assets Transferred 631 9000 Settlement position 476 6603 5269 Break-up of Status of settlement cases Fully paid & accounts closed 279 2288 2089 SASF Others 197 4315