IDBI Bank Limited · NSE:IDBI
IDBI Bank — Q3 FY2009 Earnings Presentation
18 slides from IDBI Bank's earnings presentation, Jan 23, 2009
Slide 1: Presentation on Performance during Q3 – 09
Presentation on Performance during Q3 – 09 January 23, 2009 1 23-Jan-09
Slide 2: Highlights: Balance Sheet
Highlights Business stands at Rs. 1.73 lakh Crore Balance Sheett Balance sheet size at Rs. 1.46 lakh Crore Deposits epos s at Rs.80,803 s. , Cr; C ; growth g ow 42 % CASA at 15.22 % of total deposits Advances at Rs. 92,192 Cr; growth 35 % Business per Employee Rs. Rs 18.81 18 81 Crore
Slide 3: Highlights: Profitability
Highlights NII – Q3 FY09 at Rs. 516 Cr (Q3 FY08 Rs. 220 Cr) NII for Q Q3 09 upp byy 135 % NII for Q3 09 at Rs. 284 Cr (excluding interest on income Proffitability tax refund & recoveries from written-off cases) up by 711% Fee based income up by 103% to Rs.237 Crore. Q3 FY 09 PAT Rs. 223 Cr
Slide 4: Highlights: Others
Highlights Balance sheet growth at 29 % Total business [Dep. [Dep + Adv.] Adv ] grew by 38 % to Rs.1,72,996 Cr Total business [including deposits in the nature of Ottherss bonds] grew by 30 % to Rs. 1,98,839 Cr CRAR –11.78% 11.78% (PY 08 - 11.95 %) – Tier I : 6.93 % <> Tier II : 4.85 % Bra
Slide 5: Profit & Loss Account
Profit & Loss Account (Rs. Crore) Particulars Quarter ended QoQ Nine months ended 3Qo3Q Dec 08 Dec 07 % Dec 08 Dec 07 % Interest income 3247 2084 55.8% 8369 5785 44.7% Interest expenses 2731 1864 46.5% 7524 5351 40.6% Net Interest income 516 220 134.6% 845 435 94.3% Other Income 266 366 (27.4%) 917
Slide 6: Details of Other Income
Details of Other Income (Rs. Crore) Quarter ended Nine months ended Year ended Particulars Dec 08 Dec-07 Dec 08 Dec-07 Mar 08 Commission, Excg & Brkg 202 83 455 241 349 P fi on salel off investments Profit i 53 309 338 905 1168 Loss on revaluation of investment -40 -71 -49 -68 -149 Profit on sale of
Slide 7: Details of Operating Expenses
Details of Operating Expenses (Rs. Crore) Particulars Q3-09 Q3-08 Payments to & provisions of employees 158 81 Rent, taxes & lighting 38 22 Printing & stationery 7 4 Advertisement & Publicity 22 6 Depreciation 20 23 Postage, Telegram, Teleph., etc 14 9 Repairs and maintenance 21 8 Insurance 19 12 Ba
Slide 8: Key Profitability Indicators
Key Profitability Indicators Q3-09 Q3-08 Net Interest Margin (%) 1.74% 1 74% 0.98% 0 98% NIM excluding interest on IT refund (%) 1.11% 0.98% Return on Assets (%) 0.67% 0.66% Return on Equity (%) 12 65% 10.92% 12.65% 10 92% Cost of all liabilities (%) 8.18% 7.04% Yield on Total Assets 10.52% 9.13% Ma
Slide 9: Key Operating Indicators
Key Operating Indicators Q3-09 Q3 09 Q3 08 Q3-08 Non-interest income to Total Income 7.57% 13.53% Efficiency [Cost- Net Income] Ratio 50.07% 38.68% Staff Expenses to total income 4.48% 3.37% Staff Expenses to total expenses 5.04% 3.92% Overhead efficiency ratio 67 92% 152.59% 67.92% 152 59% 9 23-Jan
Slide 10: Balance Sheet
Balance Sheet (Rs. Crore) As at 31-Dec-08 31-Dec-07 LIABILITIES Capital 725 725 Reserve & Surplus 8607 8028 Net Worth 7312 6688 epos s Deposits 80803 56889 Borrowings 45330 37515 Other Liabilities & provisions 10158 9860 Total 145623 113017 ASSETS Cash & balance with RBI 6560 6233 Bal. with banks &
Slide 11: Balance Sheet Ratios-Liabilities
Balance Sheet Ratios-Liabilities 31-Dec-08 31-Dec-07 Total Business [Dep. + Adv.] (Rs Cr) 172995 125332 Net NPAs to Net Advances 1.04% 1.19% SB Deposits to Total Deposits 6.04% 7.92% Current Account Deposits to Total Deposits 9.17% 11.53% Time Deposits to Total Deposits 84.78% 80.55% Book Value - Rs
Slide 12: Asset Quality NPAs
ality NPAs As at 31-Dec-2008 (Rs.Crore) Gross Advances 93700 t Qua Gross NPAs 1601 Gross NPAs as % of Gross Advances 1.71% Total Provisions held 631 Net Advances 93070 Asset Net NPAs 970 Net NPAs as % of Net Advances 1.04% Provision Coverage Ratio 39.42% A 12 23-Jan-09
Slide 13: Strong Capital Position
Strong Capital Position 14% 12% 10% 11.78% 3.31% 11.95% 8% 13 1 6% 7.42% 6.93% 8.57% 4.74% 85% 4% 53% 4.8 8 4 4.5 2% 0% Tier I Capital Tier II Capital Total CAR 31 Dec 31- D - 07 8 57% 8.57% 4 74% 4.74% 13 31% 13.31% 31- Mar- 08 7.42% 4.53% 11.95% 31- Dec - 08 6.93% 4.85% 11.78% • Capital considerab
Slide 14: Review of Performance vis-à-vis Budget
Review of Performance vis-à-vis Budget (Rs. Crore) Budget Actual Achievement FY 2009 Apr-Dec Ratio (%) 2008 Income Interest Income 11635 8369 71.9 Other Income 1240 917 74.0 Total Income 12875 9287 72.1 Expenses Interest Expenses p 10104 7525 74.5 Operating Expenses 1454 868 59.7 Total Expenses 1155
Slide 15: Overall Operations of the Bank: as at end-Dec 2008
Overall Operations of the Bank : as at end-Dec 2008 (Rs. Crore) Sr. No. Particulars As at end- As at end- Growth over Budgets for Incremental Achievement till March 2008 December March 2008 end-March Budgets for FY end-December (Actuals) 2008 (Actuals) (Actuals) 2009 2008-09 2008 (% of full year inc
Slide 16: Priority Sector Advance
PRIORITY SECTOR ADVANCE Rs. in Crore Particulars Mar-08 Mar-08 as Dec-08 Dec-08 as Growth over Sep-08 P Percentage t P Percentage t M 08 Mar-08 of ANBC of ANBC Actuals Actuals Actuals Actuals Actuals Actuals (1) (2) (3) (5) (6)=[(4)-(2)] (4) Priority Sector Advances (a+b+c) 15233 24.2 15560 18.8 327
Slide 17: Key Stock Indicators
Key Stock Indicators Shareholding Pattern : December 31, 2008 As on December 31, 2008 Market price per share (Rs) 67.7 Market Capit alisat ion (Rs (Rs.crore) crore) 4 907 4,907 Others Govt. off 11.07% India Earnings per share (Rs) (annualised) 12.29 Public 52.67% Book value per share (Rs) 100.88 15.
Slide 18: SASF Performance Highlights
Performance Highlights Position of Settlement as on December 31, 2008 [Rs. Crore] P i l Particulars N off cos. No B kV Book Value l S l Settlement A Amount Total Assets Transferred 631 9000 Settlement position 456 5948 5230 Break-up p of S Status of settlement cases SASF Fully paid & accounts closed