Analyst Presentation Q1 FY16 2
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- Bertha Ramsey
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1 Q1 FY 2016
2 Disclaimer: Certain statements contained in this presentation may be statements of future expectations and other forward-looking statements that are based on third party sources and involve known and unknown risks and uncertainties. Forward-looking statements contained in this presentation regarding past trends or activities should not be taken as a representation that such trends or activities will continue in the future. There isno obligation to update or revise any forwardlooking statements, whether as a result of new information, future events or otherwise. You should not place undue reliance on forward-looking statements, which speak only as of the date of this presentation. Please also refer to the statements of unconsolidated, consolidated and segmental result required by Indian regulations that has been filed with stock exchanges in India. 2
3 IDBI Bank s Forte Strong Brand Value Significant player in domestic Debt Syndication Leading provider of Long Term Finance Growing Branch Network Diversified customer base Ranks 37 th amongst Completed 133 Apex role in creating Branches Corporate and top 50 brands across mandates till date industrial & ATMs Retail customer base country/sectors aggregating ` 2.6 infrastructural base Presence in 1285 of over and (Interbrand Rankings) lakh crore in the country locations 6.5 million+ As per Brand Trust Report 2015, Bank ranked 5 th in BFSI Category & 2 nd in PSU Category only after SBI. 3
4 CASA Retail TD Networth Bulk TD Advances Deposits Business PSL Performance Highlights Q1 FY16 (QoQ) 2,04,339 2,41,328 4,45,668 75, % 15% 13% 20 % 11 1,84,581 2,10,343 3,94,924 62,715 53,155 70,574 22,789 1,17,599 21% 22% 4 % 8 % 44,108 57,719 22,003 1,08,516 4
5 Performance Highlights Q1 FY16 (Profitability) 2.50% 2.00% 1.83% 1.70% 2.38% 1.93% % 1.00% 0.50% 0.00% 0.14% 0.16% NIM ROE ROA Fee Income Ope. Profit PAT Quarter Ended Jun-15 Quarter Ended Jun-14 Quarter Ended Jun-15 Quarter Ended Jun-14 Profitability adversely impacted due to RIDF yielding significantly lesser returns 5
6 Profit & Loss - Snapshot Particulars Q1 FY16 Q1 FY15 Growth % FY 2015 FY 2014 Growth % Interest Income Interest Expenses Net Interest Income Other Income Total Income Operating Expenses Employee Cost Overhead Cost Operating Profit Provisions & Contingencies NPAs and write offs Restructured Assets Others (Invt., Std Asset, etc) Tax Profit After Tax
7 Balance Sheet - Snapshot As on 30-Jun Jun-14 LIABILITIES Capital Reserve & Surplus Deposits Borrowings Other Liabilities & Provisions Total ASSETS Cash & Balance with RBI Bal. with banks & money at call Investments Advances Fixed Assets [incl. leased assets] Other Assets Total
8 Growing Deposit Base Composition Movement of Deposits Current A/c 9% Retail Term Deposits 29% Savings Bank A/c 13% Q Bulk Term Deposits 49% FY 2012 FY 2013 FY 2014 FY 2015 Q Bulk Term Deposits Retail Term Deposits Current A/c Savings Bank A/c CASA at 22.03% in Q1 FY16 compared to 20.97% in Q1 FY15 8
9 Credit Base Composition Movement of Advances Q Domestic Corp. 56% Overseas Corp. 11% Retail 33% Q Domestic Corp. 62% FY 2012 FY 2013 FY 2014 FY 2015 Q Overseas Corp. 10% Retail 28% Term Loans Bills CC/OD Diversified credit portfolio Increasing focus in Retail 9
10 Industry-wise Advances Diversified credit portfolio Particulars Outstanding Committed FB NFB Total FB NFB Total POWER HOUSING LOANS OIL AND GAS/PETROLEUM PRODUCTS ROADS AND BRIDGES / PORTS IRON AND STEEL INFRASTRUCTURE OTHERS TELECOM NBFC BANKING TEXTILES CONSTRUCTION GENERAL MACHINERY AND EQUIPMENTS TRADING CHEMICAL AND CHEMICAL PRODUCTS FINANCIAL INSTITUTIONS CEMENT FERTILIZERS METALS AND METAL PRODUCTS(OTHER THAN MFG.OF BASIC IRON AND STEEL) GEMS AND JEWELLERY ELECTRICAL MACHINERY AND EQUIPMENTS
11 Productivity Business per employee CASA per Employee FY 2012 FY 2013 FY 2014 FY 2015 Q FY 2012 FY 2013 FY 2014 FY 2015 Q Busi/Employee CASA/Employee Note: Excluding outsourced employees Reflection of Bank s quality and efficient manpower 11
12 Robust growth in PSL book FY 2013 FY 2014 FY 2015 Q Q PSL (Excl. RIDF) RIDF Relentless focus for increasing PSL Book towards complying regulatory actual PSL as on March 31, 2015 stood at Rs. 78,830 Cr, as per erstwhile PSL guidelines. However for the purpose of comparison with Q1 FY2016, the same has been taken as per new PSL guidelines. 12
13 Investments Particulars Q1 FY2016 HTM AFS HFT Total Government securities SASF Securities Shares (Equity) Shares (Preference) Debentures/ Bonds Subsidiaries / Joint Ventures Security Receipts Others (CPs/CDs/MF/VCF,etc) Total Investments
14 Major Strategic stakes Pivotal role in developing Institutions that shaped country s financial architecture 14
15 Maturity Profile as on Jun-15 Maturity Profile Advances Borrowings Deposits Upto 6 months > 6 months to 1 year > 1 year to 3 years > 3 years to 5 years > 5 years Total
16 Other Income Particulars Quarter Ended Jun-15 Jun-14 Growth % FY 2015 Commission, Excg & Brkg Profit on sale of Investments Profit/(Loss) on revaluation of investment 3 (0) (50) Profit on sale of Fixed Assets Profit on Forex/Derivatives Dividend from subsidiaries Recovery from Written Off cases Other Misc. Income Total Fee Based Income Robust & Efficient Operations Management 16
17 Overhead Efficiency Overhead Efficiency Cost to Income 120% 100% 80% 60% 40% 20% 81% 103% 90% 100% 64% 50% 40% 30% 20% 10% 39% 36% 37% 41% 47% 0% 0% FY 2012 FY 2013 FY 2014 FY 2015 Q FY 2012 FY 2013 FY 2014 FY 2015 Q Overhead Efficiency and Cost to Income ratio one of the best amongst peer set 17
18 Movement in Key Ratios ROEA Vs COF NIM & ROA 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% 10.38% 10.71% 10.28% 10.27% 9.48% 8.36% 8.31% 7.87% 7.80% 7.44% FY 2012 FY 2013 FY 2014 FY 2015 Q ROEA COF 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 2.02% 2.12% 2.17% 1.90% 1.83% 0.81% 0.69% 0.38% 0.27% 0.16% FY 2012 FY 2013 FY 2014 FY 2015 Q NIM ROA 16.00% 14.00% 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% CRAR 14.58% 13.13% 11.78% 11.76% 11.74% FY 2012 FY 2013 FY 2014 FY 2015 Q Book value/share FY 2012 FY 2013 FY 2014 FY 2015 Q *CRAR Figures for FY 2012 & FY 2013 are as per Basel II 18
19 Growth in Average CASA Movement in Key Ratios Growth in Average Deposits CASA Avg. CASA Total Deposits Avg. Total Deposits FY 2012 FY 2013 FY 2014 FY 2015 Q FY 2012 FY 2013 FY 2014 FY 2015 Q Healthy growth recorded in Average CASA and Average Deposits 19
20 Capital Adequacy ( ) Particulars Q Q CET 1 (Rs.) AT 1 (Rs.) Tier 2 Capital (Rs.) Total Capital (Rs.) RWA (Rs.) % 11.74% 3.92% 3.61% 0.01% 0.89% 7.85% 7.24% Tier 1 at 8.13 % as at Q1 FY 16 increased by 27 Basis Points compared to Q1 FY 2015 Q Q CET 1 AT 1 Tier 2 Capital Basel III Compliant 20
21 NPA Movement Particulars For the Quarter For FY ended Jun 15 Mar 15 Opening Balance Add: -Fresh Slippages* Less: -Recovery Upgradation Write-off Closing Balance Gross NPA % 6.64% 5.88% Net NPA % 3.18% 2.88% Prov. Coverage Ratio as per RBI Guidelines 66.40% 66.63% * Including Ageing Aggressive provisioning - PCR have been highest amongst peers 21
22 NPA Movement For Quarter Jun 15 For FY ended Mar 15 Particulars NPA Provision# Net NPA NPA Provision# Net NPA Opening Balance Additions during period Reductions during period Closing Balance #Including NPV Loss of NPA Advances 22
23 NPA Classification Sub Standard Assets Particulars Gross NPA Doubtful Assets Loss Assets Sub Standard Assets 3014 Doubtful Assets Loss Assets 313 Total Agri and Allied Activities Industry Services Personal Loans Others Particulars Gross NPA (%) Agri and Allied Activities 9.42 Industry 8.39 Services 7.48 Personal Loans 1.21 Others 4.07 Total
24 Summary of Restructured Advances as on June 30, 2015 Particulars PA NPA Total Gross Less: FITL Provision Net of FITL Provision Less: Cases considered for 0.40% Total
25 Industry-wise Restructured Advances as on June 30, 2015 Industry Type Net Outstanding Industry Type Net Outstanding AGRO INDUSTRIES 213 JEWELLERY MFG 125 AIR TRANSPORT 482 METAL INDUSTRY AQUACULTURE 82 MINING AND QUARRYING 78 CEMENT 258 MISC. INDUSTRY 81 CERAMIC INDUSTRY 64 MOTOR VEHICLES 408 CHEMICAL AND FERTILIZERS 70 OIL EXPLORATION 62 COAL 161 OTHER SERVICES 111 DAIRY FARM AND POULTRY 34 PAPER 175 EDUCATION 518 PHARMACEUTICALS 663 ELECTRICAL MACHINERY PLASTIC PRODUCTS 34 ELECTRICITY GENERATION RETAIL STORE 108 ELECTRONICS 218 RUBBER 1 ENTERTAINMENT 33 SHIP BUILDING FOOD AND BEVERAGES 43 SUGAR 736 GEM & JWELLERY 301 TELECOMMUNICATIONS 777 GLASS MFG 526 TEXTILES 647 HEALTH CARE 6 TRANSPORT SERVICES 145 HOTEL 300 WASTE MANAGEMENT 27 INFRASTRUCTURE IRON AND STEEL 176 Grand Total
26 Provisions & Contingencies Particulars Quarter Ended Y-O-Y Jun-15 Jun-14 FY 2015 FY 2014 Depreciation on Investment Provision for NPAs Provision towards standard assets Provision for Restructured Assets (including FITL) (354) Income Tax Bad Debts Writen off Other Provisions Total
27 Fast growing Distribution Network FY 2012 FY 2013 FY 2014 FY 2015 Q Rural Semi-Urban Urban Metro Overseas 1747 Branches 3114 ATMs 11 Currency Chest 6 Regional Processing Units 30 Central Clearing Unit 75 Retail Assets Centers 13 e-lounges Robust branch expansion over the years specially in rural and semi-urban locations 27
28 Shareholders Shareholders June 15 (%) GOI Insurance Companies 9.64 FIs / Banks 1.13 FIIs 2.68 Corp Others 8.76 Total GOI 76.5% Others 9% FIIs 3% LIC 10% Corp. 1% FIs / Banks 1% 28
29 Major Awards & Accolades Ranks 39 t h and 37 th among the top 50 brands in the country across sectors as per leading global research organizations, Millward Brown (Brand Z) and Interbrand rankings respectively Significant rise of 79% in the valuation of Bank s Brand over the previous year as per Brand Finance Banking the world s most valuable Banking Brands Report Award for Notable contribution in the field of PMJDY by Federation of Industry, Trade & Services (FITS), New Delhi in March 2015 Financial Inclusion and Payments Systems (FIPS) Awards for the year 2014 for its financial inclusion initiatives under PSU category by Elets Technomedia Star Performance Award 2014 in demat account opening under PSU-Bank Category by NSDL Gold in Campaign of the Year (Thematic) at the Prime Time awards for various advertising campaigns. 29
30 Key Business Initiatives Retail Liabilities New Product/Services Rolled out 108 new Sub-members in the Centralized and Decentralized Payment System Introduction of Suraksha Plus Savings Account in Nov 2014 Introduction of Cash Current Account in Feb 2015 Tie-up with Global IME Bank for Nepal Remittance Arrangement MoU with Indian Army and Indian Navy for Salary Account sourcing Tie-up with GCC Exchange & Orient Exchange for sourcing of NRI Account from UAE Consistently introducing/delivering customer savvy products/services 30
31 Key Business Initiatives Retail Assets/ Alternate Channels New Product/Services Introduction of Education Loan Scheme Udan, a unique RD Linked Education loan scheme. First PSU Bank to launch Electronic-Insurance Account (e-ia) in association with NSDL Stepped into Credit Card business on Visa Platform Launched E-Lounge at several locations (13 so far) Android based Mobile Banking Application Introduced Signature Debit Card in July 2014 Consistently introducing/delivering customer savvy products/services 31
32 Strategies & Way Forward Global Continue the focus to increase exposure in Buoyancy in Fee Based Income Focus on increasing Overseas Corporate Book by leveraging Bank s brand image. Expansion Plans, particularly in Singapore and Shanghai. Retail Scaling up CASA and Retail Advances, particularly Priority Sector Deposits 32
33 33
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