INVESTOR PRESENTATION FEDERAL BANK FY

Size: px

Start display at page:

Download "INVESTOR PRESENTATION FEDERAL BANK FY"

Katherine Ford
5 years ago
Views:

1 INVESTOR PRESENTATION FY Second Quarter Results as on

2 PERFORMANCE HIGHLIGHTS (Q2 FY 2011 vs Q2 FY 2010) Net Interest Income up by % from Rs Cr to Rs Cr Operating Profit up by % from Rs Cr to Rs Cr Net Profit up by % from Rs Cr to Rs Cr Net NPA at 0.68 % CRAR at % Return on Average Total Assets up from 1.04 % to 1.34 % Cost to Income Ratio at % Total Business up by 7.66 % to Rs Cr

3 KEY FINANCIALS 3 Months Performance (Rs. in Cr.) Q 2 Sept 2010 Q 2 Sept 2009 Y-o-y growth Interest Income % Interest Expenses (-) 5.45 % Net Interest Income % Other Income % Total Income % Total Expenditure % Operating Profit % Net Profit % Net Interest Margin 4.44 % 3.70 % Cost to Income Ratio % %

4 KEY FINANCIALS 6 Months Performance (Rs. in Cr.) H 1 Sept 2010 H 1 Sept 2009 Y-o-y growth (%) Interest Income % Interest Expenses (-) 6.66 % Net Interest Income % Other Income (-) % Total Income % Total Expenditure (-) 0.95 % Operating Profit % Net Profit % Net Interest Margin 4.30 % 3.51 % Cost to Income Ratio % %

5 BALANCE SHEET As at 30 th Sept th Sept 2009 (Rs. in Cr.) LIABILITIES Capital Reserves & Surplus Deposits Borrowings Other Liabilities & Provisions TOTAL ASSETS Cash & Balance with RBI Bal. with banks & money at call Investments Advances Fixed Assets Other Assets TOTAL

6 GROWTH IN INCOME & PROFIT (Rs. in Cr.) 3 months (Q2 FY 11 vs Q2 FY 10) months (H1 FY 11 vs H1 FY 10) Net Profit Operat.Profit Other Income Net. Int. Income Total Income Net Profit Operat.Profit Other Income Net. Int. Income Total Income FY FY FY FY

7 GROWTH IN DEPOSITS CASA constitutes over 38 % of our Retail Deposits (Rs. in Cr.) Savings Deposits Demand Deposits Other Deposits Total Deposits Constitution of Total Deposits ( ) ( ) 22.0% 19.4% 53.0% 25.0% 51.6% 29.0% Term Deposits CASA Cert. of Deposits + Deposits of 1 Cr and above

8 Growth in Retail Deposits 28 % of our Retail Deposits are from the NRI segment (Rs. in Cr.) 7.8 % % 0.5 % 7.7 % Savings Bank NRE Deposits NRI (incl. ONR) Retail Deposits Sept 2009 Sept 2010

9 GROWTH IN ADVANCES Gross Advances Large Corporate Advances S M E Advances Retail Loans (Rs. in Cr.) Large Corporate Advance refer to advances of Rs.25 Crore and above SME 31.3% Large Corporate 37.6% Retail 31.1%

10 RETAIL ASSETS Retail Assets constitute 31% of the Bank s gross advances as on Product-wise composition of Retail Assets as at % 0.7% 6.6% 5.7% 7.5% 4% 5% 10.5% 57.0% Housing Loans Gold Loans Home Overdraft Mortgage Loan AAS / AAD Car Loan Educational Loan Personal Loan Others Housing Loans form 57 % of Retail Assets Advance against approved securities/deposits form 7.5 % of Retail Assets Gold Loans contribute another 10.5 % Personal Loans account for 0.7 % of Retail Assets

11 TOP 10 INDUSTRIAL EXPOSURES No as on Sector Power (Infrastructure) Iron & Steel Telecommunications (Infrastructure) Roads & Ports (Infrastructure) Food Processing Chemicals, Dyes, Paints, Fertilizers, etc. Cotton Textiles Engineering incl. electronics Paper & paper products Rubber and rubber products (Rs. in Cr.) Balance outstanding

12 TREASURY OPERATIONS Profit from various segments (Q2 FY 2011 vs Q2 FY 2010) (Rs. in Cr.) Forex Money Mkt G Sec Equity Derivatives MF & others Sep-09 Sep-10

13 TREASURY PORTFOLIO Mar 09 Mar (Rs. in Cr.) HFT AFS HFT + AFS HTM Total Investments of which SLR Non-SLR IFR HFT 4.32% AFS 22.55% HTM 73.13% Constitution of Investments as on

14 NPA MOVEMENT (Rs. in Cr.) Q2 FY 10 Q4 FY 10 Q2 FY 11 Gross NPA Net NPA Provision Coverage Ratio Q2 FY 10 Q4 FY 10 Q2 FY % % %

15 Restructured Advances During the period from to Standard Sub-standard TOTAL No Amount (Rs. in Crores)

16 PROVISIONS (Rs. in Cr.) 12 months ended 3 months ended 3 months ended Mar 2010 Sept 2010 Sept 2009 Investment Losses Loan Losses Other purposes Tax TOTAL PROVISIONS

17 MOVEMENT OF MARGINS FY Sept 09 Sept 10 (12 months) (3 months) (3 months) Yield on Advance % % % Cost of Deposits 6.55 % 6.83 % 5.88 % Interest Spread 4.75 % 4.74 % 5.33 % Yield on Investments 6.84 % 6.88 % 7.04 % Net Interest Margin 3.82 % 3.70 % 4.44 % Cost to Income Ratio % % %

18 CHANNELS OF DELIVERY As on Corporate Office Regional Offices 13 Branches ATMs Regions Representative Office (Overseas) General Branches 694 Service Branches 16 Asset Recovery 4 Specialised Branches 5 Currency Chest 2

19 BRANCH DISTRIBUTION State No. ANDHRA PRADESH 25 ASSAM 6 BIHAR 1 CHANDIGARH 1 CHATTISGARH 2 GOA 4 GUJARAT 8 HARYANA 8 JHARKHAND 5 KARNATAKA 49 KERALA 435 M ADHYA PRADESH 3 M AHARASHTRA 64 M EGHALAYA 1 NAGALAND 1 NEW DELHI 17 ORISSA 3 PONDICHERRY 2 PUNJAB 6 RAJASTHAN 3 TAM ILNADU 47 UTTAR PRADESH 10 UTTARANCHAL 1 WEST BENGAL 17 Total 719 No. of Branches Metro 109 Urban 160 Semi urban 330 Rural 120 TOTAL 719 No. of Extn. Counters Metro 2 Urban 1 Semi urban 2 Rural 1 TOTAL 6 No. of ATMs Metro 107 Urban 218 Semi urban 353 Rural 83 TOTAL 761 (as on )

20 BUSINESS DISTRIBUTION As on DEPOSITS ADVANCES 49% 51% 58% 42% Kerala O utside Kerala Kerala Outside Kerala

21 OPERATING EXPENSES (Q2 FY 2011 vs Q2 FY 2010) (Rs. in Cr.) Salary Rent, Taxes & Lighting Printing & Stationery Postage Repairs Depreciation Advertisement Insurance Others Total Sept Sept

22 OTHER INCOME (Q2 FY 2011 vs Q2 FY 2010) (Rs. in Cr.) Exchange, Commission & Brokerage Income Other Fee Income Forex Transactions Profit on sale of securities Recovery from assets written off Other Receipts Total Sept Sept

23 KEY RATIOS (all values pertain to quarters) Sept 09 June 10 Sept 10 RETURN ON EQUITY (%) Sept 09 June 10 Sept 10 RETURN ON ASSETS (%) Sept 09 June 10 Sept 10 EARNINGS PER SHARE (Rs.) Sept 09 June 10 Sept 10 BOOK VALUE PER SHARE (Rs.)

24 KEY RATIOS (all values pertain to quarters) Sept 09 June 10 Sept 10 Profit Per Employee (Rs. Lakh) Sept 09 June 10 Sept 10 Business Per Employee (Rs. Lakh) Sept 09 June 10 Sept 10 Sept 09 June 10 Sept 10 Profit Per Branch (Rs. Crore) Business Per Branch (Rs. Crore)

25 OUR RATINGS Instrument Agency Rating Fixed Deposits Certificate of Deposit Bonds CRISIL CRISIL FITCH P1+ P1+ AA- (ind) Bonds CARE AA

26 Subsidiaries & Joint Ventures IDBI Federal Life Insurance Co. Ltd. Bank s Joint Venture Life Insurance Company, in association with IDBI Bank and Ageas. Federal Bank holds 26 % equity in the J.V. Started selling life insurance products from March 2008 FedBank Financial Services Ltd. Fully owned subsidiary of the Bank with NBFC license Marketing Retail Asset Products of the Bank Retail Hubs established at major centres all over India Separate mechanism established for speedy and dedicated processing of retail loans sourced through this channel UAE Representative Office Representative Office at Abu Dhabi, Capital of U.A.E., established in 2008 Gateway of the Bank to the whole of Middle East Increased the reach of the Bank among Non-Resident Indians in the Gulf countries

27 OWNERSHIP Shareholding pattern as on F I I 37% Corporate Bodies 14% GDR 2% Financial Institutions, Banks, etc. 8% Foreign Corporate Bodies 5% Mutual Funds 16% Individuals 18%

28 THANK YOU The Federal Bank Limited, Corporate Office, Federal Towers, Aluva, Kochi , Kerala, India

INVESTOR PRESENTATION FEDERAL BANK

INVESTOR PRESENTATION FEDERAL BANK INVESTOR PRESENTATION FY 2010-11 Fourth Quarter & Annual Results as on 31.03.2011 PERFORMANCE HIGHLIGHTS Q4 FY 11 FY 2011 (YOY growth) (YOY growth) Net Interest Income Fee Income Total Income Net Profit