IDBI Bank Limited · NSE:IDBI
IDBI Bank — Q3 FY2009-10 Earnings Presentation
13 slides from IDBI Bank's earnings presentation, Jan 15, 2010
Slide 1: Presentation on Performance during Q3 (2009-10)
Presentation on Performance during Q3 (2009 – 10) January y 15, 2010 15-Jan-10 1
Slide 2: Highlights: Balance Sheet
Highlights Business stands at Rs. 2.54 lakh Crore B nce Sheett Balance sheet size at Rs 2.03 lakh Crore Deposits epos s at Rss 1,42,798 , ,79 Cr; C ; growth g ow 77% CASA at 13.11% of total deposits Balan Advances at Rs. 1,11,262 Cr; growth 21% Business per Employee Rs 20.52 20 52 Crore
Slide 3: Highlights: Profitability
Highlights NII – Q3 FY 10 at Rs. 719 Cr (Q3 FY09 Rs.503 Cr) NII – Q3 FY 10 up by 43% P itabillity Fee ee bbased sed income co e for o QQ3 FY 10 up by 48% % too Rs. s. 350 Cr (Q3 FY 09 Rs. 237 Cr) Fee Profi F based b d income i f 9M FY 10 up by for b 74% to t Rs. R 991 Cr (9M FY 09 Rs. 571 Cr
Slide 4: Highlights: Others
Highlights Balance sheet growth at 40% Total T t l business b i [Dep. [D + Adv.] Ad ] grew by b 47% to t Rs. 2,54,060 Cr Ottherss CRAR – 11.54% (PY 09 –11.78%) – Tier I : 6.60% <> Tier II: 4.94% Branches increased to 702 ATMs increased to 1165 15-Jan-10 4
Slide 5: Profit & Loss Account
Profit & Loss Account (Rs. Crore) Quarter ended Nine months ended Year ended Particulars Dec 09 Dec 08 Dec 09 Dec 08 Mar 09 IInterest t t income i 4008 3234 11191 8247 11545 Interest expenses 3289 2731 9684 7525 10306 Net Interest income 719 503 1507 722 1239 Other Income 426 280 1744 1040 1476 Tota
Slide 6: Details of Other Income
Details of Other Income (Rs. Crore) Quarter ended Nine months ended Year ended Particulars Dec 09 Dec 08 Dec 09 Dec 08 Mar 09 Commission, Excg & Brkg 298 202 858 455 725 Profit on sale of investments 48 22 681 283 410 ( Profit/(Loss)) on revaluation of investment -13 -40 -45 -49 -86 Profit on sale o
Slide 7: Details of Operating Expenses
Details of Operating Expenses (Rs. Crore) Quarter ended Nine months ended Year ended Particulars Dec 09 Dec 08 Dec 09 Dec 08 Mar 09 Staffff Cost 197 159 488 360 583 Rent, taxes & lighting 45 35 116 84 114 Printing & stationery 8 7 21 18 26 Advertisement & Publicity 24 22 38 25 48 Depreciation 20 20
Slide 8: Key Profitability Indicators
Key Profitability Indicators Quarter ended Nine months ended Year ended Particulars Dec 09 Dec 08 Dec 09 Dec 08 Mar 09 Net Interest Margini (%) 1 9% 1.33% 1.59% 1 33% 11 % 1.17% 09 % 0.95% 0 99% 0.99% Return on Assets (%) 0.57% 0.67% 0.51% 0.54% 0.62% Return on Equity (%) 14.38% 12.65% 12.30% 10.32%
Slide 9: Key Operating Indicators
Key Operating Indicators Quarter ended Nine months ended Year ended Particulars Dec 09 Dec 08 Dec 09 Dec 08 Mar 09 Non-interest income to Total Income 9.60% 11.07% 13.48% 9.88% 11.34% Efficiency [Cost- Net Income] Ratio 44 05% 50.05% 44.05% 50 05% 37 47% 49.27% 37.47% 49 27% 49 26% 49.26% Staff Expe
Slide 10: Balance Sheet
Balance Sheet (Rs. Crore) As at 31-Dec-09 31-Dec-08 LIABILITIES C i l Capital 725 725 Reserve & Surplus 9379 8607 [Net Worth] 8127 7312 Deposits 142798 80803 Borrowings 43396 50253 Other Liabilities & provisions 7013 5235 Total 203311 145623 ASSETS Cash & balance with RBI 8899 6560 Bal. with banks &
Slide 11: Balance Sheet Ratios-Liabilities
Balance Sheet Ratios-Liabilities 31-Dec-09 31-Dec-08 Total Business [Dep. + Adv.] (Rs Cr) 254060 172995 Net NPAs to Net Advances 1.40% 1.04% SB Deposits to Total Deposits 5.44% 6.04% Current Account Deposits to Total Deposits 7.67% 9.17% Time Deposits to Total Deposits 86.89% 84.78% Book Value - Rs.
Slide 12: Asset Quality: NPAs
NPAs As at 31-December-2009 ((Rs.Crore)) Gross Advances 112026 A t Quaality Gross NPAs 2317 Gross NPAs as % of Gross Advances 2.07 Total Provisions held 764 Net Advances 111262 Net NPAs 1554 Asset Net NPAs as % of Net Advances 1.40 Provision Coverage Ratio 32.97 15-Jan-10 12
Slide 13: Thank You
Thank You 13