INVESTOR PRESENTATION FEDERAL BANK
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- Maximillian Waters
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1 INVESTOR PRESENTATION FY Fourth Quarter & Annual Results as on
2 PERFORMANCE HIGHLIGHTS Q4 FY 11 FY 2011 (YOY growth) (YOY growth) Net Interest Income Fee Income Total Income Net Profit Net Interest Margin 9.26 % % 2.23 % 6.32 % % 8.67 % % % 4.00 % 4.22 %
3 BUSINESS GROWTH Total deposits grew by % on a y-o-y basis to DEPOSIT GROWTH reach ` Crores as on Retail deposits grew by % on a y-o-y basis from ` Crores to ` Crores as on CASA grew by % from ` 9321 Crores to reach ` Crores as on Net advances grew by % from ` Cr to reach CREDIT GROWTH ` Crores as on Retail advances(gross) grew by 10.9 % on a y-o-y basis to reach ` 9436 Crores SME advances (gross) grew by 27.6 % to reach ` 9564 Cr Corporate credit (gross) up by 45.3 % to reach ` Cr
4 INCOME & PROFIT GROWTH INCOME GROWTH Interest Income grew by % on a y-o-y basis from ` Cr to ` Cr as on Other Income down by 2.66 % on a y-o-y basis from ` Cr to ` Cr as on , on account of fall in profit on sale of securities. Net Interest Income grew by % from ` Cr to ` Cr as on Total Income grew by 8.67 % from ` Cr to ` Cr as on PROFIT GROWTH Operating Profit grew by % on a y-o-y basis from ` Cr to ` Cr Net Profit grew by % on a y-o-y basis from ` Cr to ` Cr
5 KEY FINANCIALS Interest Income Interest Expenses Net Interest Income Other Income Total Income Total Expenditure Operating Profit Net Profit Net Interest Margin Cost to Income Ratio Q 4 Mar 2011 Q 4 Mar 2010 Y-o-y growth % % % % % % % % 4.00 % 4.19 % % % FY 2011 FY 2010 Y-o-y growth % % % % % % % % 4.22 % 3.82 % % % (` in Cr.)
6 BALANCE SHEET As at 31 st March st March 2010 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 (` in Cr.)
7 PROFIT & INCOME GROWTH (` in Cr.) 3 months (Q4 FY 11 vs Q4 FY 10) 12 M ended vs 12 M ended Net Profit Operating Profit Other Income Net Interest Income Total Income Net Profit Operating Profit Other Income Net Interest Income Total Income FY FY FY FY
8 DEPOSIT GROWTH (` in Cr.) Savings Deposits Demand Deposits High Value Deposits Other Retail Deposits Total Deposits Constitution of Total Deposits ( ) ( ) 22.6% 25.3% 51.6% 25.8% 48.5% 26.3% CASA Term Deposit Wholesale Deposits
9 DEPOSIT GROWTH - RETAIL (` in Cr.) % % % % 12.6 % 26 % of Retail Deposits are from NRI segment Savings Bank Current Deposits NRE Deposits NRI (incl. ONR) Retail Deposits March 2010 March 2011
10 DEPOSIT COMPOSITION Total Deposits CASA Ratio (` Cr.) (%) % 24.6 % 25.8 % 26.3 % Savings Demand Others Healthy share of savings bank (SB) deposits Steady growth in CASA share CASA constitutes 26 % of total deposits and 36 % of retail deposits Average balance in savings account increased by 21.8 %, y-o-y Spreading of Priority Banking services have increased the average SB balances Freeing of other bank s ATM usage charges, bringing in additional business
11 LOAN GROWTH (` in Cr.) Gross Advances Large Corporate Advances S M E Advances Retail Loans Large Corporate Advance refer to advances of ` 25 Crore and above Specialised Corporate Banking branches at Mumbai and New Delhi Cluster-based approach for added thrust to SME lending SME Credit Hubs and Retail Credit Hubs set up across major centres for faster processing of such loans Steps already on for Centralised Loan Application processing and DMS Retail Loan marketing through own subsidiary, Fedbank Financial Services Ltd.
12 LOAN BOOK COMPOSITION The SME portfolio of the Bank grew by 27.6 % on a y-o-y basis to reach ` 9564 Cr as on Large Corporate Credit grew by 45.3 % y-o-y to reach ` Cr Retail loans grew by a modest 10.9 % y-o-y to reach ` 9436 Cr Agri. lending grew by 28 % to reach ` 3749 Cr ( ) ( )
13 RETAIL BOOK COMPOSITION Housing Loans form 58.9 % of Retail Assets Advance against approved securities / deposits form 12.5 % of Retail Assets Retail Gold Loans contribute another 11.4 % Personal Loans account for just 0.5 % of Retail Assets 13% 5.5% 3.3% 0.5% 0.3% Housing Loans Gold Loans Home Overdraft Mortgage Loan 3.4% 4.2% 58.9% AAS / AAD Car Loan Educational Loan 11% Personal Loan Others Total Gold Loan portfolio of the Bank grew by an impressive 95.7 % on a y-o-y basis
14 TOP INDUSTRIAL EXPOSURES (` in Cr.) No. Sector Bal. o/s ( ) 1 Power (Infrastructure) Iron & Steel Roads & Ports (Infrastructure) Petroleum Chemicals, Dyes, Paints, Fertilizers, etc Food Processing Cotton Textiles Metal and Metal products Engineering including electronics Telecommunications (Infrastructure)
15 TREASURY PORTFOLIO (` in Cr.) Mar 09 Mar 10 Mar 11 HFT AFS HFT + AFS HTM Total Investments of which SLR Non-SLR IFR
16 COST, YIELD & NIM (All values in %) Cost of Deposits Yield on Advances Return on Investments Net Interest Margin
17 MARGINS FY (12 months) FY (12 months) Yield on Advance % % Cost of Deposits 6.55 % 5.99 % Interest Spread 4.75 % 5.10 % Yield on Investments 6.84 % 6.95 % Net Interest Margin 3.82 % 4.22 % Cost to Income Ratio % % Yield on advances moderated down to % on a y-o-y basis Cost of deposits reduced by 56 bps to reach 5.99 % as on Net Interest Margin increased to 4.22 % Cost to Income ratio remains at a comfortable level of %
18 NIM & COST OF FUNDS 4.44 (All values in %) Q4 FY 10 Q1 FY 11 Q2 FY 11 Q3 FY 11 Q4 FY 11 N I M Q4 FY 10 Q1 FY 11 Q2 FY 11 Q3 FY 11 Q4 FY 11 Average Cost of Funds
19 NPA MOVEMENT (` in Cr.) Gross NPA Net NPA Provision Coverage Ratio % as on Q4 FY 10 Q1 FY 11 Q2 FY 11 Q3 FY 11 Q4 FY Net NPA (%) Q4 FY 10 Q1 FY 11 Q2 FY 11 Q3 FY 11 Q4 FY 11
20 RESTRUCTURED ADVANCES During the quarter from to No. Amount (` in Cr) Standard Sub-standard TOTAL During the fiscal (from to ) No. Amount (` in Cr) Standard Sub-standard TOTAL
21 PROVISIONS 12 months ended Mar months ended Mar 2011 (` in Cr.) 12 months ended Mar 2011 Investment Losses Loan Losses Other purposes Tax TOTAL PROVISIONS
22 OPERATING EXPENSES ( FY 2011 vs FY 2010) (` in Cr.) March 2010 March 2011 Salary Rent, Taxes & Lighting Printing & Stationery Postage Repairs Depreciation Advertisement Insurance Others Total
23 OTHER INCOME (FY 2011 vs FY 2010) (` in Cr.) March 2010 March 2011 Exchange, Commission & Brokerage Income Other Fee Income Net Profit on Forex Transactions Profit on sale of securities Recovery from assets written off Other Receipts Total
24 THIRD PARTY PRODUCT SALES No. of Life Insurance policies sold Total Life Insurance premium collected (` in Cr.) Steady growth shown in the sales of Mutual Fund and Insurance products Distribution of third party products becomes a steady fee income stream Tie-up with 14 leading Asset Management Companies for Mutual Fund sales Life Insurance products from IDBI Federal Life Insurance Company Ltd. Priority Banking officers and Relationship Managers offering advisory services on third party products
25 BUSINESS DISTRIBUTION (as on ) DEPOSITS ADVANCES 52% 48% 59% 41% Kerala Outside Kerala Kerala Outside Kerala
26 KEY RATIOS - ROE & ROA (all values pertain to quarters) RETURN ON EQUITY (%) RETURN ON ASSETS (%) Return on Average Equity up by 328 bps on a y-o-y basis to reach % Return on Assets up 40 bps y-o-y to reach 1.48 % as at end March 2011
27 RETURNS TO SHAREHOLDER (all values pertain to quarters) March 10 Dec 10 March 11 March 10 Dec 10 March 11 EARNINGS PER SHARE (`)( BOOK VALUE PER SHARE (`) Board of Directors recommends a dividend of 85 % (i.e. ` 8.50 per share) for FY Earnings Per Share increased to ` Book Value per share at `
28 PRODUCTIVITY RATIOS (all values pertain to quarters) March 10 Dec 10 March 11 PROFIT PER EMPLOYEE (` LAKH) March 10 Dec 10 March 11 BUSINESS PER EMPLOYEE (` LAKH) March 10 Dec 10 March 11 PROFIT PER BRANCH (` CRORE) March 10 Dec 10 March 11 BUSINESS PER BRANCH (` CRORE) Employee strength increased y-o-y from 7896 to 8270 during FY Branch strength increased y-o-y from 672 to 743
29 DISTRIBUTION NETWORK State Br. No. ANDHRA PRADESH 26 ASSAM 6 BIHAR 1 CHANDIGARH 1 CHATTISGARH 2 GOA 4 GUJARAT 8 HARYANA 8 JHARKHAND 5 KARNATAKA 50 KERALA 448 MADHYA PRADESH 3 MAHARASHTRA 67 MEGHALAYA 1 NAGALAND 1 NEW DELHI 18 ORISSA 3 PONDICHERRY 2 PUNJAB 6 RAJASTHAN 4 TAMILNADU 51 UTTAR PRADESH 10 UTTARKHAND 1 WEST BENGAL 17 Total branches spread across 24 states Presence across various geographies branches in metros, 165 in urban centres, 346 in semi-urban centres and 121 in rural areas Two currency chests Corporate Banking Branches at Mumbai and New Delhi One Overseas Representative Office at Abudhabi, UAE 13 Regional Offices across the country 6 Extension Counters at various locations 803 ATMs across 108 metro centres, 224 urban centres, 384 semi-urban locations and 87 rural areas Retail and SME hubs established across major centres in India for faster processing of loans and advances
30 PRODUCT RANGE RETAIL BANKING Deposits Loans Other services Savings Bank variants Current Account variants Fixed Deposits Recurring Deposits Car / 2 wheeler loans Home Loans Home Overdrafts Mortgage Loans Loans against securities Educational Loans Gold Loans Personal Loans Gold Coin sales Debit Cards POS terminals On-line bill payments NRI Services Insurance product sales Mutual Fund sales Depository Services On-line equity trading PIS for NRI s CORPORATE BANKING Working Capital Term Loans Collection of bills Letter of Credit Bank Guarantee Forex and Derivatives Cash Management Services TREASURY Currency Futures OTC Contracts Structured products to HNIs Outward remittances hub Derivative products On-line SME forex trading G-Sec retailing Rate Research Data Cell Retailing of debt instruments Option Trading Buyer s Credit Offshore Banking unit
31 EXTERNAL RATINGS Instrument Agency Rating Fixed Deposits Certificate of Deposit Bonds CRISIL CRISIL FITCH P1+ P1+ AA- (ind) Bonds CARE AA The Fixed Deposits and Certificates of Deposits enjoy the highest rating in that class Bonds have been a rating, which are considered to offer high safety and carrying very low credit risk
32 SUBSIDIARIES & JVs 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
33 MAJOR INVESTMENTS Entity % equity Fedbank Financial Services Limited % IDBI Federal Life Insurance Company of India Limited % Credit Analysis and Research Limited 5.00 % United Stock Exchange of India Limited 6.00 % Experian Credit and Information Company of India Limited 5.00 % The Catholic Syrian Bank Limited 4.99 %
34 SHAREHOLDING F I I Corporate Bodies 36 % 14 % Financial Institutions, Banks, etc. 9 % 5 % GDR 2 % Foreign Corporate Bodies No. of shares : Cr Face Value of share : ` 10 Share Capital : ` Cr Shareholder s Funds : ` Cr Book Value per share : ` Market Price : ` 401 (as on ) Mutual Funds 17 % 17 % Individuals Shareholding pattern as on
35 THANK YOU The Federal Bank Limited, Corporate Office, Federal Towers, Aluva, Kochi , Kerala, India
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