Van 4to Indian Bank. Corporate Office Investor Services Cell , Avvai Shanmugam Salai Royapettah Chennai
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- Archibald Hensley
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1 411 Van 4to Indian Bank FAX : PHONE : investorsaindianbank.co.in Corporate Office Investor Services Cell , Avvai Shanmugam Salai Royapettah Chennai Ref : ISC / 380/ The Vice President National Stock Exchange of India Limited "Exchange Plaza", Bandra Kuria Complex Bandra East Mumbai The Manager BSE Limited Phiroze Jeejibhai Towers Dalai Street Mumbai Dear Sir, Sub : Corporate Announcement - NSE Symbol : INDIANB - Scrip Code: Further to our letter dated , furnishing the Standalone Reviewed Financial Results of the Bank for the quarter ended June 30, 2018, we enclose copies of Press Release and Presentation released on the financial results. We request you to take on record the same. Yours faith ully, ( Bimal ah ) Company Secretary & Compliance Officer Encl : a/a.
2 a PRESS RELEASE FINANCIAL RESULTS FOR THE QUARTER ENDED JUNE 2018 The Board of Directors of Indian Bank approved the Bank s results for the Quarter ended June 30, 2018 at their meeting held in Chennai on Wednesday, August 08, Q HIGHLIGHTS (YoY): OPERATIONAL EFFICIENCY: Net Interest Income grew by 23.81% (up from `1460 crore to `1807 crore) Interest Income grew by 13.45% (up from `4136 crore to `4692 crore) Net Interest Margin (Domestic) grew by 35 bps (up from 2.79% to 3.14%) Non Interest Income : ` crore Operating profit up by 3.61% (From `1252 crore to `1298 crore) Net profit: ` crore Return on Average Assets (RoA): 0.33% Cost-to-income ratio was at 42.25% Return on Equity (RoE): 5.25% BUSINESS PARAMETERS: Total Balance sheet size grew by 14.46% - ` crore Total deposits grew by 9.77%. up from ` to ` crore CASA deposits (mix) up by 125 bps y-o-y (From 36.63% to 37.88%) Advances (Global) grew by 22.77% {`30489 crore} to reach ` crore within which Domestic advances grew by 23.73%. RAM Sector grew by `18869 crore (26.8%) {Retail 29.2%, Agriculture 27.5% & MSME 24.1%} ASSET QUALITY: Gross Non-performing assets %, down by 17 bps over March 2018 (7.37%). Net non-performing assets reduced to 3.79% from 3.81% (Sequential) Provision coverage ratio up by 11 bps (Sequential) Stressed assets as a percentage of Gross advances reduced by 23 bps (Sequential) 1
3 a CAPITAL ADEQUACY/NETWORTH: Capital Adequacy Ratio (CAR) as per Basel III guidelines 12.77%. Of which CET 1: 11.22% + AT1: 0.33%; Total Tier I : 11.55%, Tier II : 1.22%. Networth increased by 8.31% to ` crores. Book value per share increased to ` (from `308.99). NATIONAL GOALS POSITION AS ON : Priority Sector portfolio - `64748 crore (49.45% of ANBC) - {40% Target} Advances to Weaker Section - `16322 crore (12.46% of ANBC) - {10% Target} PRADHAN MANTRI MUDRA YOJANA (PMMY): ` crore disbursed during the Year under various schemes viz., Shishu, Kishore and Tarun. CUSTOMER TOUCH POINTS: 8962 (2819 Domestic branches, 3 Overseas branches, 3398 ATM/BNAs and 2742 active Business Correspondents). KEY AWARDS AND ACCOLADES: MSME Banking Excellence Awards - Best MSME Bank Winner (Emerging Category) MSME Banking Excellence Awards- Echo-Technology savvy Bank Runner Up (Emerging Category) Financially Inclusive Bank - Winner (Emerging Category) Best Performing PSB under Atal Pension Yojana for the FY "National Award for Best Performance in SHG Bank Linkages Public Sector Banks (Small Category)" by National Rural Livelihoods Mission, Ministry of Rural Development, Government of India. Best Performance under Lending to SHG in the State of Tamil Nadu for FY NPCI Payments Excellence Award 2017 for NACH Operations under Mid-sized Banks category Chennai August 08 th,
4 a Performance Analysis Q it ft SR Indian Bank to II 11 II 0 IndPay App II Indian Bank
5 Table of Contents Highlights Profitability / Efficiency - Snapshot Performance - Snapshot Key Performance Indicators Performance Ratios Profitability 03 Net Interest Income & Operating Profit Net Profit Interest Income & Expenses and NII Other Income Fee Income Operating Expenses Business 11 Deposits 12 Advances 13 Power Sector Exposure 16 CD Ratio & Market Share 18 Investments 19 Capital & Asset Quality Capital Adequacy Capital - Equity Balance sheet Asset Quality Net work/digital/government Schemes/Awards 20 Branch Network / BC Network Digital Foot Print Financial Inclusion Performance under Government schemes Awards & Accolades Si Indian Bank ` II 11 II 0 IndPay App II 0 MylndianBank II Indian Bank 2/44
6 Profitability / Efficiency - Snapshot Profitability / Efficiency Parameters Quarter Ended YoY z * t I I * z t z -3 Net Interest Income ( in cr) % Net Interest Margin (NIM) % Bps ROA (%) Bps ROE (%) Bps Cost - Income Ratio % Bps Operating Profit ( in cr) % Net Profit ( in cr) % Asset Quality Gross NPA % Bps Net NPA % Bps Provision Coverage Ratio % Bps Soundness Capital Adequacy Ratio % Bps * Si Indian Bank ko II 0 IndPay App II MylndianBank II Indian Bank II 3/44
7 Performance - Snapshot in crore Indian Bank Parameter YOY (%) Global Business Deposits Global of Which Domestic Overseas Advances Global of Which Domestic Overseas Business Deposits Advances Ittaa SO Indian Bank t II 11 II 0 IndPay App II 0 Indian Bank 4/44
8 Net Interest Income (NII) and Operating Profit S No in crore 1 Interest Income Other Income a Components Other income excluding Profit on sale of investment Quarter Ended Y-o-Y (%) Of which :Fee Income Total Income (1+2) Interest Expenses Net Interest Income (1-5) Staff Expenses Overheads Operating Expenses /44 A 4R-10 to SI Indian Bank ` II 0 IndPay App II 0 MylndianBank II Indian Bank II
9 Net Profit Snapshot in crore S No Components Quarter Ended Y-o-Y (%) 1 Operating Profit Total Provisions Of which: Loan Loss Standard Assets Investment Depreciation Other Provisions Income Tax Net Profit (1-2) Si Indian Bank ko II 0 IndPay App II MylndianBank II Indian Bank II 6/44
10 Interest Income & Expenses and NII Z in crore Quarter Ended S No Components Y-o-Y ( %) 1 Interest on Loans Interest on Investments Other Sundry Interest Total Interest Income (1+2+3) Interest on Deposits Interest on Borrowings Other Sundry Interest Total Interest Expenditure (5+6+7) Net Interest Income (NII) (4-8) /44 SW Indian Bank ko II 0 IndPay App II MylndianBank II Indian Bank II
11 Other Income in crore Components Quarter Ended Y-o-Y ( %) Other Income Other income excluding Profit on Sale of Investment of which: Fee Income Forex Income Dividend Income Misc Income Of which Recovery in written off accounts SW Indian Bank ko II 0 IndPay App II MylndianBank II Indian Bank II 8/44
12 Fee Income Components Quarter Ended Y-o-Y (%) Fee Income Of which Loan Processing Charges Commission on Government Business Commission on LC/BG Transaction Fees Cross Selling Misc Fee Income Si Indian Bank ko II 0 IndPay App II MylndianBank II 9/44 Indian Bank II
13 Operating expenses Z in crore S No Quarter Ended Components Y-o-Y ( %) Staff Expenses Of which : i) Salary ii) Contribution for Employees Overheads Of which: Rent, Taxes & Lighting Depreciation Insurance Travelling and Halting Postage, Telecommunications Repairs and Maintenance to Bank's Property Printing and Stationery Advertisement & Publicity Others Total Operating Expenses (1+2) fgzia 410 SR Indian Bank 10/44 c II 0 IndPay App II MylndianBank II Indian Bank II
14 Performance Ratios % Annualized Parameters Quarter Ended Cost of Deposits Cost of Funds Yield on Advances Return on Assets (RoA) Net Interest Margin (NIM) Global Domestic Return on Investments (Domestic) Return on Average Networth (RoE) Earnings per Share ( ) Book Value per Share ( ) Business per Employee ( in crore) Business per Branch ( in crore) /44 Iftna 4w SR Indian Bank c II 0 IndPay App II MylndianBank II Indian Bank II
15 Deposits in crore Domestic Deposits Savings Bank Current account Term Deposits (Upto Rs 5 crore) Term Deposits (Above Rs 5 crore) CASA : cr 36.63% CASA : cr 37.80% CASA : r cr ( % ) YoY Growth % T D : Z cr (62.12% ) YoY Growth 7.70% SW Indian Bank Deposits Y-o-Y Growth Amt (%) Global Domestic Overseas /44 ` II 11 II 0 IndPay App II 0 Indian Bank
16 Advances ( Domestic) in crore Composition % to Gross Advances % to Gross Advances % to Gross Advances Retail, Agriculture & MSME - RAM Sector Non Priority & Non Corporate Corporate Sector Of which: (i) Exposure with PSUs (With Government Guarantee) (ii) Exposure with PSUs (without Government Guarantee) (iii) Exposure with NBFCs (iv) Corporate others /44 o. Indian Bank ki II 0 IndPay App II MylndianBank II Indian Bank II
17 Sectoral distribution of Advances - RAM Sector (Domestic) As on in crore 3333, 12% 1491, 6% 4864, 18% RETAIL 17526, 64% Home Loans (Including Mortgage Loans) Auto Loans Educational Loans , 9% AGRICULTURE , 1% , 3% , 6% , 81% Crop Loans Investment Credit Agri Allied Infrastructure 3122, 10% 13010, 44% MSME 13743, 46% Micro Enterprises Small Enterprises Medium Enterprises Other Retail Loans Ancillary Details YoY (%) Gross Advances-Domestic Retail sector Agriculture sector MSME sector Non Priority (NP)/Non Corporate(NC) Total (RAM + NP/NC) (RAM + NP/NC) % to Gross Advances Si Indian Bank ` II 11 II 0 IndPay App II 0 MylndianBank II Indian Bank 14/44
18 Portfolio Exposure Domestic Advances in crore Sector % share to Gross Advances % share to Gross Advances Infrastructure Of which Power Telecom Roads Other infrastructure Basic Metal Of which Iron & Steel Textiles Petroleum, Coal Products & Nuclear Fuels All Engineering Food Processing Chemicals & Chemical Products Trade Commercial Real Estate Home Loans Auto Loans Other Retail Loan Agriculture Si Indian Bank Others (Other Industries/Sectors) Total Domestic Advances /44 ko II 0 IndPay App II MylndianBank II Indian Bank II
19 Power Sector Exposure in crore As on Sector Generation Distribution Transmission NPA Investment Total Exposure FB NFB FB NFB FB NFB FB NFB STD NPA FB NFB Central Government Undertakings State Government Undertakings Private Sector Total Si Indian Bank ko II 0 IndPay API) II O MylndianBank II 16/44 Indian Bank II
20 Power Sector Exposure : State wise in crore As on State FRP BONDS State DISCOMs Central / State Other than DISCOMs Private FB NFB Invt FB NFB Invt FB NFB FRP BONDS + Total FB NFB Grand Total (FRP BONDS+Invt+ FB +NFB) Andhra Pradesh Assam Chattisgarh Delhi Gujarat Haryana Karnataka Madhya Pradesh Maharashtra Orissa Punjab Rajasthan Tamil Nadu Telangana Uttarkhand West Bengal Other States Total NPA Grand Total Si Indian Bank FRP Bonds - Financial Restructuring Plan Bonds 17/44 c II 0 IndPay API) II O MylndianBank II Indian Bank II
21 CD Ratio & Market share C D Ratio IB ASCB CD ratio (Domestic) as on % Market share Deposits Market share Advances 1.71 I I I I I I I I fg-aar SW Indian Bank 18/44 ` II 11 II 0 IndPay App II 0 Indian Bank
22 Investments Domestic in crore Composition Central Government Securities State Government Securities Other Approved Securities Debentures & Bonds Shares Others Gross Domestic Investment (Without netting LAF) A. SLR Non SLR Total B. Held For Trading (HFT) Available For Sale (AFS) Held To Maturity (HTM) Total Modified Duration Trading Portfolio(%) Si Indian Bank ko II 0 IndPay App II MylndianBank II 19/44 Indian Bank II
23 Capital Adequacy CRAR (%) - BASEL III Tier I Tier I Tier I Tier II AT I CET I Bank s CRAR upon plough back of Quarterly Profit will be higher at 12.91% Si Indian Bank Risk Weighted Asse ts (RWA) Credit Market Operational ` II 11 II 0 IndPay App II 0 Indian Bank z in crore (80.51%) (76.19%) (75.30%) (55.10%) (53.50%) (54.13%) Figures in bracket denotes density 20/44
24 Capital Equity Networth Net worth increased by 8.32% => as on over z Book value per share ( ) Book value per share increased to as on from as on Al Si Indian Bank ko II 0 IndPay API) MylndianBank II 21/44 Indian Bank II
25 Shareholding Pattern (as on ) Resident/ Employees/ NRI 2.19% FI/FPI/FII 8.05% Others 0.53% % of Holdings Government of India 81.71% Si Indian Bank Mutual Funds 7.52% ko II 0 IndPay API) II O MylndianBank II Pattern of Equity Shareholding Shareholder % Government of India FI/FPI/FII 8.05 Mutual Funds 7.52 Resident/Employees/NRI 2.19 Others 0.53 Corporate Body 0.28 Clearing Member 0.08 Trust 0.02 Bank 0.00 Alternative Inv.Fund II 22/44 Indian Bank II
26 Balance Sheet Snapshot z in crore Indian Bank 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 Ittaa Si Indian Bank 23/44 ko II 0 IndPay App II MylndianBank II Indian Bank II
27 Asset Quality NET NPA(%) GROSS NPA (%) == Gross NPA ( Parameter z z in crore) Net NPA ( in crore) Provision Coverage Ratio (%) fg-aar SW Indian Bank ko II 0 IndPay API ) MylndianBank II Indian Bank II 24/44
28 NPA Position Sector wise Sector Gross NPA % to Respective portfolio Gross NPA % to Respective Gross NPA portfolio z in crore % to Respective portfolio Sector wise Gross NPA to Total Gross NPA % Retail Credit Of which : Home Loan Education Loan Agriculture MSME Corporate Total Priority Non Priority Total Corporate MSME Agriculture Retail Credit 25/44 Si Indian Bank ` II 11 II 0 IndPay App II 0 MylndianBank II Indian Bank
29 NPA Position Industry wise in crore Industry % to % to % to Gross Gross Gross Respective Respective Respective NPA NPA NPA portfolio portfolio portfolio Metal and Metal Products (Incl. Iron & Steel) Coal and Mining All Engineering Textiles Infrastructure Of which: Power & Power Discom Construction & Contractors Other Industries (including other Sectors) Total Iftat Mali BA 26/44 kio II II 0 IndPay App II 0 MylndianBank 17 MylndianBank II ube Indian Bank
30 Movement of NPA in crore Details Quarter Ended Gross NPA opening Balance ADD: Fresh Slippages Additions to old NPAs Other Additions Sub-Total Less:Cash Recovery Less:Upgradation Less:Technical Write off + Exchange difference Less:Normal Write off Less:Assigned to ARCs Sub-Total Gross NPA closing Balance Provisions Others (interest Realisable,etc.) Net NPA Gross NPA% Net NPA% AUC Recovery Si Indian Bank ` II 11 II 0 IndPay App II 0 MylndianBank II Indian Bank 27/44
31 Restructured Assets - Sector Wise in crore Sector Of which: Of which: Of which: Outstanding Outstanding Outstanding Standard Standard Standard Retail Of which Home Loan Educational Loan Agriculture MSME Corporate & Others Total Si Indian Bank ko II 0 IndPay App II MylndianBank II 28/44 Indian Bank II
32 Restructured Assets - Major Industries Industry Outstanding as on % share to Total Restructured Of Which: Standard in crore % share to Total Standard Restructured Infra-Power of which Power discom - State Govt Road Port Iron & Steel Contractor Textiles Sugar Chemicals Edu. Institution Cement Engineering Other Industries Total of Industries Total Restructured Advances /44 o. Indian Bank ki II 0 IndPay App II MylndianBank II Indian Bank II
33 Restructured Assets Movement in crore S.No Details QE QE No Amount No Amount 1 Opening balance of Standard restructured accounts (Year beginning) Fresh restructuring during the period Upgraded from NPA and continuing as restructured accounts Fresh disbursement less recoveries Total ( ) Account slipped during the period Account satisfactorily performed during the period Total (6+7) Closing balance of Standard restructured accounts (5-8) /44 o. Indian Bank ki II 0 IndPay App II MylndianBank II Indian Bank II
34 Stressed Assets - Sector wise in crore Sector Stressed advances % to Respective portfolio GNPA Restructured Standard Advances Stressed Advances Gross Advances % to Respective portfolio A B C D=(B+C) E F =D/E % Retail Of which :Home Loan & Mortgage Loan Agriculture MSME Corporate and Others / Overseas Total Si Indian Bank ko II 0 IndPay App II MylndianBank II 31/44 Indian Bank II
35 Movement of Stressed Assets in crore Details Gross Advances Gross NPAs Net NPAs Restructured Standard ( as per Revised RBI norms) Total Gross NPA plus Restructrued Standard (2+4) Total Net NPA plus Restructured Standard (3+4) Gross NPA + Restructured Standard to Gross Advances % [ 5 / 1 ]% Net NPA + Restructured Standard to Gross Advances % [ 6 / 1 ]% /44 o. Indian Bank ki II 0 IndPay App II MylndianBank II Indian Bank II
36 Branch Network Southern Region 60% Region wise Eastern Region 10% Northern Region 11% North Eastern Region 2% Central Region 8% Population Group wise Total (: Semi Urban, 786 Urban, 631 Rural, 728 Metro, 674 9% Overseas, 3 Western Region 9% No. of Branches (Global) PAN India coverage with 2819 Branches and 3 overseas Branches Number of Business Correspondents engaged : 2742 Ittaa SO Indian Bank c II 11 II 0 IndPay App II 0 MylndianBank Indian Bank
37 Head Count & Productivity Ratios In numbers Officers Clerks Sub-staff Total : Total : Total : in crore Parameters Business per employee Net Profit per employee Si Indian Bank ` II 11 II 0 IndPay App II 0 MylndianBank II II Indian Bank
38 Digital Footprint igital Products for igital India (Mio) Internet Banking Users YoY - Up it % % 8 N 1 N by 17% 0..,,...-.0" Internet Banking Transactions YoY - Up by 22% Q1-FY18 Q4-FY 18 Q1-FY 19 Mobile Banking Users YoY - Up by 32 % Mobile Banking Transactions YoY - Up by 142% Q1-FY18 Q4-FY 18 Q1-FY 19 Ittaa SO Indian Bank 35/44 t II 11 II 0 IndPay App II Indian Bank
39 Performance under 24*7 Banking Number of ATMS and BNAs Up by 10% ATM Card Base Up by 10 % (Mio) > ATM Transactions Up by 25% (Mio) Uptime (%) Q1-FY18 Q4-FY 18 Q1-FY 19 Q1-FY18 Q4-FY 18 Q1-FY 19 Si Indian Bank 36/44 ` II 11 II 0 IndPay App II 0 MylndianBank II Indian Bank
40 Expanding Footprint - Point of Sale Terminals Number of PoS Volume of Transactions ( in lakhs) Value of Transactions ( z in Crore) Q1-FY18 Q4-FY 18 Q1-FY 19 Q1-FY18 Q4-FY 18 Q1-FY 19 Si Indian Bank 37/44 ` II 11 II 0 IndPay App II 0 Indian Bank
41 Financial Inclusion (1/2) Jun-17 Mar-18 Jun-18 Jun-17 Mar-18 Jun-18 % MVO ACC.S (PMJDY) Overdrafts Sanctioned under PMJDY ( r In cr) Jun-17 Mar-18 Jun-18 Jun-17 Mar-18 Jun-18 fg-aar SI Indian Bank 38/44 t II 11 II 0 IndPay App II 0 Indian Bank
42 Financial Inclusion (2/2) QE JUN 17 QE MAR 18 QE JUN 18 QE JUN 17 QE MAR 18 QE JUN 18 Per month average transactions by BCs - Above One of the best in Industry Si Indian Bank ` II 11 II 0 IndPay App II 0 MylndianBank II II Indian Bank
43 Performance Under Government Schemes Pradhan Mantri Jeevan Jyoti Sims Yojana 21 lakh policies z Disbursement crore (QE JUN 18) 3.58 lakh enrolments 9.18 lakh policies PMJJBY & PMSBY : Performance to Potential (P2P) ratio as on : 80.62% APY: Persistency Ratio as on : 72% 40/44 SW Indian Bank ko II 0 IndPay API) II O MylndianBank II Indian Bank II
44 Awards & Accolades (1/2) 1 The Best Performing PSB under APY for the FY T" FOL LAUNCHINCIM 2 1 st prize among Public Sector Commercial Banks for EXCELLENCE IN PERFORMANCE UNDER SHG BANK LINKAGE PROGRAMME in TAMIL NADU during C7T 111=111= MICK SWILL i MEDIUM ENTERP EE f[..f1. FEL 'crq TEM 7T9 National Award for Excellence during for PSBs by Government of India 1 st Rank to lending in Micro Enterprises 2 nd Rank to lending in Micro Small Enterprises 4 5 th ASSOC1-IAM SMEs Excellence Award 2017 for best SME offerings ltaar Si Indian Bank 41/44 ` II 11 II 0 IndPay App II 0 Indian Bank
45 Awards & Accolades (2/2) CIMSME Chamber of Indian Min Small & IVIeditin Enterprises Best MSME Bank Award - Winner ( Emerging Category) Financially Inclusive Bank Award - Winner (Emerging Category) Eco-Technology Savvy Bank Award - Runner up (Emerging category) 8 NPCI wirer 77ezir Trari` irgr timonat PAYMUM CORFOPATIONOP NPCI payments excellence award 2017 for NACH operations in mid-sized banks category at Si Indian Bank t II II 0 IndPay App II MylndianBank II Indian Bank II
46 Disclaimer This presentation has been prepared by Indian Bank (the Bank ) solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. Except for the historical information contained herein, statements in this release which contain words or phrases such as will, aim, will likely result, would, believe, may, expect, will continue, anticipate, estimate, intend, plan, contemplate, seek to, future, objective, goal, strategy, philosophy, project, should, will pursue and similar expressions or variations of such expressions may constitute "forward-looking statements". These forward-looking statements involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forwardlooking statements. These risks and uncertainties include, but are not limited to our ability to successfully implement our strategy, future levels of non-performing loans, our growth and expansion, the adequacy of our allowance for credit losses, our provisioning policies, technological changes, investment income, cash flow projections, our exposure to market risks as well as other risks. Indian Bank undertakes no obligation to update the forward-looking statements to reflect events or circumstances after the date thereof. Note: All financial numbers in the presentation are from Audited Financials or Limited Reviewed financials or based on Management estimates. j 124ff ft bit Win Bak t IndPay Indian Bank V kwitker You 43/44
47 k, SR Indian Bank ta II 11 II 0 IndPay App II Indian Bank II
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