411 Van 4to Indian Bank FAX :28134075 PHONE : 28134076 E-mail : investorsaindianbank.co.in Corporate Office Investor Services Cell 254-260, Avvai Shanmugam Salai Royapettah Chennai 600 014 Ref : ISC / 380/ 2018-19 08.08.2018 The Vice President National Stock Exchange of India Limited "Exchange Plaza", Bandra Kuria Complex Bandra East Mumbai - 400 051. The Manager BSE Limited Phiroze Jeejibhai Towers Dalai Street Mumbai - 400 001 Dear Sir, Sub : Corporate Announcement - NSE Symbol : INDIANB - Scrip Code: 532814. Further to our letter dated 08.08.2018, 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.
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, 2018. Q1 2018 19 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 : `439.80 crore Operating profit up by 3.61% (From `1252 crore to `1298 crore) Net profit: `209.31 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% - `250754 crore Total deposits grew by 9.77%. up from `191462 to `210170 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 `164381 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 - 7.20%, 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
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 `16074.61 crores. Book value per share increased to `334.68 (from `308.99). NATIONAL GOALS POSITION AS ON 30 06 2018: 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): `440.79 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 2017-18. "National Award for Best Performance in SHG Bank Linkages 2017-18 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 2017-18 NPCI Payments Excellence Award 2017 for NACH Operations under Mid-sized Banks category Chennai August 08 th, 2018 2
a Performance Analysis Q1 2018-19 it ft SR Indian Bank to 1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App MylndianBank @MylndianBank II Indian Bank II @myindianbank
Table of Contents Highlights Profitability / Efficiency - Snapshot Performance - Snapshot Key Performance Indicators Performance Ratios Profitability 03 Net Interest Income & Operating Profit 05 04 Net Profit Interest Income & Expenses and NII Other Income Fee Income Operating Expenses 06 07 08 09 10 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 33 21 Digital Foot Print 35 23 Financial Inclusion 38 24 Performance under Government schemes Awards & Accolades 40 41 Si Indian Bank `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank II @MylndianBank II Indian Bank II @myindianbank 2/44
Profitability / Efficiency - Snapshot Profitability / Efficiency Parameters Quarter Ended 30.06.2017 30.06.2018 YoY z * t I I * z t z -3 Net Interest Income ( in cr) 1459.49 1806.99 23.81% Net Interest Margin (NIM) % 2.73 3.09 36 Bps ROA (%) 0.66 0.33 33 Bps ROE (%) 10.17 5.25 492 Bps Cost - Income Ratio % 40.69 42.25 156 Bps Operating Profit ( in cr) 1252.39 1297.56 3.61% Net Profit ( in cr) 372.41 209.32-43.79% Asset Quality Gross NPA % 7.21 7.20 1 Bps Net NPA % 4.05 3.79 26 Bps Provision Coverage Ratio % 61.65 64.38 273 Bps Soundness Capital Adequacy Ratio % 13.58 12.77 81 Bps -3 4- * Si Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II a @myindianbank 3/44
Performance - Snapshot in crore Indian Bank Parameter 30.06.2017 31.03.2018 30.06.2018 YOY (%) Global Business 325354 371020 374550 15.12 Deposits Global 191462 208294 210170 9.77 of Which Domestic 185956 202248 204275 9.85 Overseas 5506 6046 5895 7.07 Advances Global 133892 162726 164381 22.77 of Which Domestic 127750 156477 158062 23.73 Overseas 6142 6249 6319 2.88 Business Deposits Advances 325354 374550 191462 210170 133892 120 164381 Ittaa SO Indian Bank 30.06.17 30.06.18 30.06.17 30.06.18 30.06.17 30.06.18 t4.1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank @MylndianBank Indian Bank II @myindianbank 4/44
Net Interest Income (NII) and Operating Profit S No 30.06.2017 31.03.2018 30.06.2018 in crore 1 Interest Income 4135.97 4463.87 4692.17 13.45 2 Other Income 652.07 490.33 439.80-32.55 2a Components Other income excluding Profit on sale of investment Quarter Ended Y-o-Y (%) 348.75 469.77 422.62 21.18 3 Of which :Fee Income 227.01 325.59 279.12 22.95 4 Total Income (1+2) 4788.04 4954.20 5131.97 7.18 5 Interest Expenses 2676.49 2826.17 2885.18 7.80 6 Net Interest Income (1-5) 1459.48 1637.70 1806.99 23.81 7 Staff Expenses 510.99 548.36 554.32 8.48 8 Overheads 348.17 415.90 394.91 13.42 9 Operating Expenses 859.16 964.26 949.23 10.48 5/44 A 4R-10 to SI Indian Bank `9800 425 00 000 II www.indianbank.in 0 IndPay App II 0 MylndianBank II @MylndianBank II Indian Bank II rus @myindianbank
Net Profit Snapshot in crore S No Components Quarter Ended 30.06.2017 31.03.2018 30.06.2018 Y-o-Y (%) 1 Operating Profit 1252.39 1163.77 1297.56 3.61 2 Total Provisions 879.99 1031.80 1088.25 23.67 Of which: Loan Loss 681.94 1772.04 456.59-33.05 Standard Assets 36.04-164.78-38.24 Investment Depreciation -15.14-180.43 648.09 Other Provisions 12.73 119.52-36.89 Income Tax 164.43-514.55 58.68-64.31 3 Net Profit (1-2) 372.41 131.98 209.31-43.79 Si Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II a @myindianbank 6/44
Interest Income & Expenses and NII Z in crore Quarter Ended S No Components 30.06.2017 31.03.2018 30.06.2018 Y-o-Y ( %) 1 Interest on Loans 2827.88 3097.47 3379.55 19.51 2 Interest on Investments 1263.37 1342.85 1289.84 2.10 3 Other Sundry Interest 44.72 23.54 22.79-49.05 4 Total Interest Income (1+2+3) 4135.97 4463.87 4692.17 13.45 5 Interest on Deposits 2521.84 2598.10 2613.04 3.62 6 Interest on Borrowings 154.65 228.06 272.14 75.97 7 Other Sundry Interest --- --- --- --- 8 Total Interest Expenditure (5+6+7) 2676.49 2826.17 2885.18 7.80 9 Net Interest Income (NII) (4-8) 1459.48 1637.70 1806.99 23.81 7/44 SW Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II a @myindianbank
Other Income in crore Components Quarter Ended 30.06.2017 31.03.2018 30.06.2018 Y-o-Y ( %) Other Income 652.07 490.32 439.80-32.55 Other income excluding Profit on Sale of Investment 348.75 469.76 422.62 21.18 of which: Fee Income 227.01 325.59 279.12 22.95 Forex Income 58.00 66.74 46.01-20.67 Dividend Income 2.11 3.59 0.80-62.14 Misc Income 61.63 88.33 96.69 56.89 Of which Recovery in written off accounts 53.38 67.25 24.85-53.45 SW Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II a @myindianbank 8/44
Fee Income Components Quarter Ended 30.06.2017 31.03.2018 30.06.2018 Y-o-Y (%) Fee Income 227.01 325.59 279.12 22.95 Of which Loan Processing Charges 42.28 51.30 43.21 2.20 Commission on Government Business 10.17 19.63 6.93-31.86 Commission on LC/BG 36.25 45.06 29.14-19.61 Transaction Fees 72.98 101.24 112.33 53.92 Cross Selling 4.12 5.12 1.63-60.44 Misc Fee Income 61.21 103.25 85.88 40.30 Si Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II 9/44 Indian Bank II a @myindianbank
Operating expenses Z in crore S No Quarter Ended Components Y-o-Y ( %) 30.06.2017 31.03.2018 30.06.2018 1 Staff Expenses 510.99 548.36 554.32 8.48 Of which : i) Salary 402.10 437.42 435.58 8.33 ii) Contribution for Employees 108.89 110.94 118.74 9.05 2 Overheads 348.17 415.90 394.91 13.42 Of which: Rent, Taxes & Lighting 84.51 76.71 64.61-23.55 Depreciation 34.53 64.21 57.55 66.66 Insurance 50.34 59.05 68.70 36.47 Travelling and Halting 10.98 12.96 11.06 0.73 Postage, Telecommunications 9.50 9.62 12.33 29.79 Repairs and Maintenance to Bank's Property 23.17 26.98 21.49-7.25 Printing and Stationery 6.72 8.56 6.40-4.75 Advertisement & Publicity 0.79 4.22 0.92 16.46 Others 127.63 153.59 151.85 18.98 3 Total Operating Expenses (1+2) 859.16 964.26 949.23 10.48 4fgzia 410 SR Indian Bank 10/44 c1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II a @myindianbank
Performance Ratios % Annualized Parameters Quarter Ended 30.06.2017 31.03.2018 30.06.2018 Cost of Deposits 5.51 5.14 5.15 Cost of Funds 4.76 4.51 4.57 Yield on Advances 8.70 8.15 8.57 Return on Assets (RoA) 0.66 0.21 0.33 Net Interest Margin (NIM) Global 2.73 2.84 3.09 Domestic 2.79 2.89 3.14 Return on Investments (Domestic) 8.89 7.27 7.21 Return on Average Networth (RoE) 10.17 3.35 5.25 Earnings per Share ( ) 31.02 10.99 17.43 Book Value per Share ( ) 308.99 329.53 334.68 Business per Employee ( in crore) 15.13 18.56 18.99 Business per Branch ( in crore) 121.08 131.43 132.73 11/44 Iftna 4w SR Indian Bank c1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II rel @myindianbank
Deposits in crore Domestic Deposits 185956 202248 204275 Savings Bank Current account Term Deposits (Upto Rs 5 crore) Term Deposits (Above Rs 5 crore) 56986 11136 CASA : 68122 cr 36.63% 63977 CASA : 65702 76460 cr 37.80% 12483 11676 CASA : r 77378 cr ( 37.88 % ) YoY Growth 13.59 % 96274 98141 99699 T D : Z 126896 cr (62.12% ) YoY Growth 7.70% 21560 27647 27197 30.06.2017 31.03.2018 30.06.2018 SW Indian Bank Deposits 30.06.2017 31.03.2018 30.06.2018 Y-o-Y Growth Amt (%) Global 191462 208294 210170 18708 9.77 Domestic 185956 202248 204275 18318 9.85 Overseas 5506 6046 5895 389 7.06 12/44 `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank @MylndianBank Indian Bank II @myindianbank
Advances ( Domestic) in crore Composition 30.06.2017 % to Gross Advances 31.03.2018 % to Gross Advances 30.06.2018 % to Gross Advances Retail, Agriculture & MSME - RAM Sector 70354 55.07 86501 55.28 89223 56.45 Non Priority & Non Corporate 7263 5.69 4101 2.62 5399 3.42 Corporate Sector 50133 39.24 65875 42.10 63440 40.13 Of which: (i) Exposure with PSUs (With Government Guarantee) 5431 4.25 7136 4.56 7385 4.67 (ii) Exposure with PSUs (without Government Guarantee) 11597 9.08 15112 9.66 11918 7.54 (iii) Exposure with NBFCs 10468 8.19 15606 9.97 16427 10.39 (iv) Corporate others 22637 17.72 28020 17.91 27710 17.53 13/44 o. Indian Bank ki.1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II rel @myindianbank
Sectoral distribution of Advances - RAM Sector (Domestic) As on 30.06.2018 in crore 3333, 12% 1491, 6% 4864, 18% RETAIL 17526, 64% Home Loans (Including Mortgage Loans) Auto Loans Educational Loans 3024.91, 9% AGRICULTURE 142.32, 1% 1010.04, 3% 2053.57, 6% 25904.21, 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 30.06.2017 31.03.2018 30.06.2018 YoY (%) Gross Advances-Domestic 127750 156477 158062 23.73 Retail sector 21066 26404 27213 29.18 Agriculture sector 25208 31242 32135 27.48 MSME sector 24080 28854 29874 24.06 Non Priority (NP)/Non Corporate(NC) 7263 4101 5399-25.66 Total (RAM + NP/NC) 77617 90602 94622 21.91 (RAM + NP/NC) % to Gross Advances 60.76 57.90 59.86-0.89 Si Indian Bank `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank II @MylndianBank II Indian Bank II @myindianbank 14/44
Portfolio Exposure Domestic Advances in crore Sector 30.06.2017 % share to Gross Advances 30.06.2018 % share to Gross Advances Infrastructure 20174 15.79 24208 15.32 Of which Power 8588 6.72 9474 5.99 Telecom 560 0.44 151 0.10 Roads 4837 3.79 4158 2.63 Other infrastructure 6189 4.84 10425 6.60 Basic Metal 4687 3.67 5022 3.18 Of which Iron & Steel 3732 2.92 4004 2.53 Textiles 4257 3.33 4381 2.77 Petroleum, Coal Products & Nuclear Fuels 2306 1.81 2867 1.81 All Engineering 2673 2.09 3080 1.95 Food Processing 3621 2.83 3940 2.49 Chemicals & Chemical Products 812 0.64 1215 0.77 Trade 3411 2.67 6906 4.37 Commercial Real Estate 3112 2.44 3778 2.39 Home Loans 11683 9.15 14795 9.36 Auto Loans 1214 0.95 1491 0.94 Other Retail Loan 8473 6.63 10928 6.91 Agriculture 25628 20.06 32067 20.29 Si Indian Bank Others (Other Industries/Sectors) 35700 27.95 43384 27.45 Total Domestic Advances 127750 100 158062 100 15/44 ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II a @myindianbank
Power Sector Exposure in crore As on 30.06.2018 Sector Generation Distribution Transmission NPA Investment Total Exposure FB NFB FB NFB FB NFB FB NFB STD NPA FB NFB Central Government Undertakings 401.04 58.16 459.20 0.00 State Government Undertakings 3055.54 269.49 1170.58 374.61 225.44 606.94 5058.50 644.10 Private Sector 2309.95 501.69 200.00 72.17 2111.54 49.91 49.19 4720.59 573.86 Total 5766.53 771.18 1370.58 446.78 225.44 0.00 2111.54 0.00 715.01 49.19 10238.29 1217.96 Si Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay API) II O MylndianBank II @MylndianBank II 16/44 Indian Bank II a @myindianbank
Power Sector Exposure : State wise in crore As on 30.06.2018 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 226.54 509.26 50.00 0.00 735.80 50.00 785.80 Assam 6.55 0.00 0.00 6.55 6.55 Chattisgarh 509.70 247.38 0.00 509.70 247.38 757.08 Delhi 199.99 72.17 58.16 401.04 26.33 54.73 84.49 655.76 72.17 812.42 Gujarat 0.46 113.84 116.81 106.27 0.00 117.27 220.11 337.38 Haryana 179.15 179.15 0.00 0.00 179.15 Karnataka 1887.32 11.70 0.00 1899.02 0.00 1899.02 Madhya Pradesh 49.75 30.12 0.00 79.87 0.00 79.87 Maharashtra 409.00 23.58 57.52 23.58 466.52 0.00 490.10 Orissa 173.99 26.93 0.00 173.99 26.93 200.92 Punjab 250.00 0.00 250.00 0.00 250.00 Rajasthan 252.79 53.75 252.79 53.75 0.00 306.54 Tamil Nadu 842.49 260.77 688.14 71.01 0.00 1530.63 331.78 1862.41 Telangana 175.00 27.89 0.39 175.00 28.28 0.00 203.28 Uttarkhand 117.23 0.00 117.23 0.00 117.23 West Bengal 703.88 262.94 0.00 703.88 262.94 966.82 Other States 40.85 0.10 0.00 40.85 0.10 40.95 Total 606.94 1370.58 446.78 58.16 3681.92 269.49 49.91 2310.05 501.69 715.01 7362.55 1217.96 9295.52 NPA 49.19 2111.54 49.19 2111.54 0.00 2160.73 Grand Total 606.94 1370.58 446.78 58.16 3681.92 269.49 99.10 4421.59 501.69 764.20 9474.09 1217.96 11456.25 Si Indian Bank FRP Bonds - Financial Restructuring Plan Bonds 17/44 c1800 425 00 000 11 11 www.indianbank.in II 0 IndPay API) II O MylndianBank II @MylndianBank II Indian Bank II a @myindianbank
CD Ratio & Market share C D Ratio IB ASCB 72.26 72.36 72.19 73.02 72.97 71.27 70.98 73.40 71.71 74.38 74.43 74.68 74.63 74.38 73.51 72.73 72.74 75.06 75.65 75.39 74.52 74.70 77.83 77.28 77.91 75.06 75.14 75.40 75.89 76.77 76.79 76.52 76.37 68.71 67.49 68.57 23.06.17 21.07.17 18.08.17 29.09.17 27.10.17 24.11.17 22.12.17 19.01.18 16.02.18 02.03.18 16.03.18 30.03.18 13.04.18 27.04.18 11.05.18 25.05.18 08.06.18 22.06.18 CD ratio (Domestic) as on 30.06.2018 77.38 % Market share Deposits Market share Advances 1.71 I I I I 1 1 1 1 1 I 1 1 1 1 I I I 1 1.73 1.72 1.75 1.72 1.74 1.74 1.77 1.78 1.77 1.75 1.741.73 1.72 1.73 1.72 1.76 1.77 1.62 1.61 1.63 1.71 1.80 1.78 1.791.791.771.76 1.75 1.761.77 1.78 1.73 1.68 1.691.70 23.06.17 21.07.17 18.08.17 29.09.17 27.10.17 24.11.17 22.12.17 19.01.18 16.02.18 02.03.18 16.03.18 30.03.18 13.04.18 27.04.18 11.05.18 25.05.18 08.06.18 22.06.18 23.06.17 21.07.17 18.08.17 29.09.17 27.10.17 24.11.17 22.12.17 19.01.18 16.02.18 02.03.18 16.03.18 30.03.18 13.04.18 27.04.18 11.05.18 25.05.18 08.06.18 22.06.18 fg-aar SW Indian Bank 18/44 `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank @MylndianBank Indian Bank II @myindianbank
Investments Domestic in crore Composition 30.06.2017 31.03.2018 30.06.2018 Central Government Securities 39562 45708 44284 State Government Securities 11395 14984 13204 Other Approved Securities 36 26 24 Debentures & Bonds 8552 8676 8364 Shares 750 854 854 Others 1205 984 746 Gross Domestic Investment (Without netting LAF) 61500 71232 67476 A. SLR 51179 60718 57512 Non SLR 10321 10514 9964 Total 61500 71232 67476 B. Held For Trading (HFT) 36 20 135 Available For Sale (AFS) 22964 33188 25075 Held To Maturity (HTM) 38500 38024 42266 Total 61500 71232 67476 Modified Duration Trading Portfolio(%) 3.78 4.40 3.60 Si Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II 19/44 Indian Bank II a @myindianbank
Capital Adequacy CRAR (%) - BASEL III 13.58 1.49 0.38 11.71 Tier I 12.09 12.55 12.77 1.22 1.22 0.33 0.33 Tier I 11.33 11.00 11.22 Tier I 11.55 Tier II AT I CET I Bank s CRAR upon plough back of Quarterly Profit will be higher at 12.91% 30.06.2017 31.03.2018 30.06.2018 Si Indian Bank Risk Weighted Asse ts (RWA) Credit Market Operational `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank @MylndianBank Indian Bank II @myindianbank z in crore 30.06.2017 31.03.2018 30.06.2018 107794 123975 123780 (80.51%) (76.19%) (75.30%) 13124 17252 13013 (55.10%) (53.50%) (54.13%) 11674 11674 13343 --- --- --- Figures in bracket denotes density 20/44
Capital Equity Networth Net worth increased by 8.32% => 15313 15664 15827 16075 as on 30.06.2018 over 30.06.2017 14841 30.06.2017 30.09.2017 31.12.2017 31.03.2018 30.06.2018 308.99 0 z Book value per share ( ) 318.82 326.13 329.53 334.68 Book value per share increased to 334.68 as on 30.06.2018 from 308.99 as on 30.06.2017 30.06.2017 30.09.2017 31.12.2017 31.03.2018 30.06.2018 Al Si Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay API) MylndianBank II @MylndianBank II 21/44 Indian Bank II a @myindianbank
Shareholding Pattern (as on 30.06.2018) 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 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay API) II O MylndianBank II Pattern of Equity Shareholding Shareholder % Government of India 81.71 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 0.15 @MylndianBank II 22/44 Indian Bank II 43 @myindianbank
Balance Sheet Snapshot z in crore Indian Bank Liabilities 30.06.2017 30.06.2018 Capital 480 480 Reserves & Surplus 17040 18196 Deposits 191462 210170 Borrowings 4322 15379 Other Liabilities & Provisions 5765 6529 Total 219069 250754 Assets 30.06.2017 30.06.2018 Cash & Balance with RBI 7639 10272 Bal. with banks & money at call 7025 3311 Investments 61646 67213 Advances 129371 158433 Fixed Assets 3419 3426 Other Assets 9969 8099 Total 219069 250754 Ittaa Si Indian Bank 23/44 ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II rel @myindianbank
Asset Quality NET NPA(%) GROSS NPA (%) 8.00 7.00 7.21 6.67 6.27 7.37 7.20 6.00 == 5.00 4.00 3.00 4.05 3.41 3.30 3.81 3.79 2.00 1.00 0.00 30.06.2017 30.09.2017 31.12.2017 31.03.2018 30.06.2018 Gross NPA ( Parameter z z in crore) Net NPA ( in crore) Provision Coverage Ratio (%) 30.06.2017 30.09.2017 31.12.2017 31.03.2018 30.06.2018 9653 9624 9595 11990 11828 5239 4748 4899 5960 5999 61.65 65.40 64.73 64.27 64.38 fg-aar SW Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay API ) MylndianBank II @MylndianBank II Indian Bank II a @myindianbank 24/44
NPA Position Sector wise Sector Gross NPA % to Respective portfolio Gross NPA % to Respective Gross NPA portfolio z 30.06.2017 31.03.2018 30.06.2018 in crore % to Respective portfolio Sector wise Gross NPA to Total Gross NPA % Retail Credit 461 2.40 519 1.99 681 2.83 Of which : Home Loan 216 1.84 214 1.27 278 1.88 Education Loan 221 5.95 274 7.36 359 9.56 Agriculture 647 2.39 656 2.01 788 2.62 MSME 1543 7.39 1288 4.98 1495 5.52 Corporate 7002 9.94 9527 10.36 8864 10.65 Total 9653 7.21 11990 7.37 11828 7.20 Priority 2510 4.42 2303 3.44 2660 3.97 Non Priority 7143 9.26 9688 9.15 9168 9.41 Total 9653 7.21 11990 7.37 11828 7.20 72.54 79.45 74.94 15.98 10.74 12.64 6.70 5.48 6.66 4.78 4.33 5.76 30.06.2017 31.03.2018 30.06.2018 Corporate MSME Agriculture Retail Credit 25/44 Si Indian Bank `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank II @MylndianBank II Indian Bank II @myindianbank
NPA Position Industry wise in crore 30.06.2017 31.03.2018 30.06.2018 Industry % to % to % to Gross Gross Gross Respective Respective Respective NPA NPA NPA portfolio portfolio portfolio Metal and Metal Products (Incl. Iron & Steel) 3583 75.45 3794 60.57 3030 54.21 Coal and Mining 250 55.36 293 59.47 293 57.76 All Engineering 490 18.30 857 30.18 876 29.96 Textiles 691 15.93 551 11.21 316 6.92 Infrastructure 1399 6.77 3217 12.59 3256 13.29 Of which: Power & Power Discom 786 9.04 2210 20.98 2123 22.38 Construction & Contractors 658 50.87 445 18.88 447 18.84 Other Industries (including other Sectors) 2582 2.59 2834 2.36 3610 2.91 Total 9653 7.21 11990 7.37 11828 7.20 Iftat Mali BA 26/44 kio 1800 425 00 000 II www.indianbank.in II 0 IndPay App II 0 MylndianBank 17 MylndianBank II ube Indian Bank II @myindianbank
Movement of NPA in crore Details Quarter Ended 30.06.2017 31.03.2018 30.06.2018 Gross NPA opening Balance 9865 9595 11990 ADD: Fresh Slippages 648 2989 1038 Additions to old NPAs 17 0 352 Other Additions 45 32 51 Sub-Total 10575 12616 13432 Less:Cash Recovery 136 113 698 Less:Upgradation 213-108 236 Less:Technical Write off + Exchange difference 568 479 339 Less:Normal Write off 5 22 331 Less:Assigned to ARCs 0 119 0 Sub-Total 922 625 1604 Gross NPA closing Balance 9653 11990 11828 Provisions 4042 5594 5391 Others (interest Realisable,etc.) 372 437 438 Net NPA 5239 5960 5999 Gross NPA% 7.21 7.37 7.20 Net NPA% 4.05 3.81 3.79 AUC Recovery 53 62 26 Si Indian Bank `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank II @MylndianBank II Indian Bank II @myindianbank 27/44
Restructured Assets - Sector Wise in crore 30.06.2017 31.03.2018 30.06.2018 Sector Of which: Of which: Of which: Outstanding Outstanding Outstanding Standard Standard Standard Retail 365 299 241 208 206 175 Of which Home Loan 145 136 89 83 73 68 Educational Loan 67 56 49 35 38 25 Agriculture 67 19 35 4 32 4 MSME 300 187 181 123 170 115 Corporate & Others 6432 3892 5648 1743 5521 1712 Total 7164 4397 6106 2079 5929 2006 Si Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II 28/44 Indian Bank II a @myindianbank
Restructured Assets - Major Industries Industry Outstanding as on 30.06.2018 % share to Total Restructured Of Which: Standard in crore % share to Total Standard Restructured Infra-Power 2670 45.03 588 29.30 of which Power discom - State Govt. 0 0 0 0 Road 753 12.71 503 25.08 Port 0 0.00 0 0.00 Iron & Steel 636 10.73 0 0.00 Contractor 128 2.15 53 2.63 Textiles 40 0.68 0 0.00 Sugar 268 4.53 268 13.38 Chemicals 0 0.00 0 0.00 Edu. Institution 163 2.74 78 3.90 Cement 23 0.40 18 0.90 Engineering 128 2.15 0 0.00 Other Industries 883 14.88 319 15.89 Total of Industries 5692 95.99 1827 91.07 Total Restructured Advances 5929 100.00 2006 100.00 29/44 o. Indian Bank ki.1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II rel @myindianbank
Restructured Assets Movement in crore S.No Details QE 30.06.2017 QE 30.06.2018 No Amount No Amount 1 Opening balance of Standard restructured accounts (Year beginning) 7587 4322.31 4402 2079.24 2 Fresh restructuring during the period 0 0.00 0 0.00 3 Upgraded from NPA and continuing as restructured accounts 60 158.03 0 0.00 4 Fresh disbursement less recoveries -265 25.30-165 -40.00 5 Total (1+2+3+4) 7382 4505.64 4237 2039.24 6 Account slipped during the period 442 101.60 3 0.01 7 Account satisfactorily performed during the period 117 6.90 621 33.25 8 Total (6+7) 559 108.50 624 33.26 9 Closing balance of Standard restructured accounts (5-8) 6823 4397.14 3613 2005.98 30/44 o. Indian Bank ki.1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II rel @myindianbank
Stressed Assets - Sector wise in crore 31.03.2018 30.06.2018 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 2.55 681 175 856 27213 3.15 Of which :Home Loan & Mortgage Loan 1.76 278 68 346 17526 1.97 Agriculture 2.12 788 4 791 32135 2.46 MSME 4.89 1495 115 1610 29874 5.39 Corporate and Others / Overseas 16.37 8864 1712 10576 75158 14.07 Total 8.99 11828 2006 13834 164380 8.42 Si Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II 31/44 Indian Bank II a @myindianbank
Movement of Stressed Assets in crore Details 30.06.2017 31.03.2018 30.06.2018 1. Gross Advances 133892 162726 164381 2. Gross NPAs 9653 11990 11828 3. Net NPAs 5239 5960 5999 4. Restructured Standard ( as per Revised RBI norms) 4397 2079 2006 5. Total Gross NPA plus Restructrued Standard (2+4) 14050 14069 13834 6. Total Net NPA plus Restructured Standard (3+4) 9636 8039 8005 7. Gross NPA + Restructured Standard to Gross Advances % [ 5 / 1 ]% 10.49 8.65 8.42 8. Net NPA + Restructured Standard to Gross Advances % [ 6 / 1 ]% 7.20 4.94 4.87 32/44 o. Indian Bank ki.1800 425 00 000 11 11 www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II rel @myindianbank
Branch Network 30.06.2018 Southern Region 60% Region wise Eastern Region 10% Northern Region 11% North Eastern Region 2% Central Region 8% Population Group wise... 30.06.2018 Total (: 2822... Semi Urban, 786 Urban, 631 Rural, 728 Metro, 674 9% Overseas, 3 Western Region 9% No. of Branches (Global) 2687 2823 2822 PAN India coverage with 2819 Branches and 3 overseas Branches. 30.06.2017 31.03.2018 30.06.2018 Number of Business Correspondents engaged : 2742 Ittaa SO Indian Bank c1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank 33/44 @MylndianBank Indian Bank II @myindianbank
Head Count & Productivity Ratios In numbers 10802 10425 10959 8481 8188 7339 Officers 1374 1155 1200 Clerks Sub-staff 30.06.2017 31.03.2018 30.06.2018 Total : 20657 Total : 19768 Total : 19498 in crore Parameters 30.06.2017 31.03.2018 30.06.2018 Business per employee 15.13 18.56 18.99 Net Profit per employee 0.02 0.06 0.04 Si Indian Bank `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank II 34/44 @MylndianBank II Indian Bank II @myindianbank
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% 1.47 1.67 1.73 5.19 6.24 6.33 30.06.17 31.03.18 30.06.18 Q1-FY18 Q4-FY 18 Q1-FY 19 Mobile Banking Users YoY - Up by 32 % Mobile Banking Transactions YoY - Up by 142% 1.20 1.48 1.58 7.42 9.06 3.74 30.06.17 31.03.18 30.06.18 Q1-FY18 Q4-FY 18 Q1-FY 19 Ittaa SO Indian Bank 35/44 t4.1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App MylndianBank @MylndianBank II Indian Bank II @myindianbank
Performance under 24*7 Banking Number of ATMS and BNAs Up by 10% ATM Card Base Up by 10 % (Mio) 3082 3399 3381 16.70 18.25 18.53 30.06.17 31.03.18 30.06.18 30.06.17 31.03.18 30.06.18 > ATM Transactions Up by 25% (Mio) Uptime (%) 97.65 97.76 97.18 255.78 307.96 320.69 Q1-FY18 Q4-FY 18 Q1-FY 19 Q1-FY18 Q4-FY 18 Q1-FY 19 Si Indian Bank 36/44 `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank II @MylndianBank II Indian Bank II @myindianbank
Expanding Footprint - Point of Sale Terminals 13906 Number of PoS 11778 11408 30.06.17 31.03.18 30.06.18 Volume of Transactions ( in lakhs) Value of Transactions ( z in Crore) 26.65 28.76 370.64 432.45 19.35 305.59 Q1-FY18 Q4-FY 18 Q1-FY 19 Q1-FY18 Q4-FY 18 Q1-FY 19 Si Indian Bank 37/44 `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank @MylndianBank Indian Bank II @myindianbank
Financial Inclusion (1/2) 32.63 33.10 33.63 430.83 494.27 490.30 Jun-17 Mar-18 Jun-18 Jun-17 Mar-18 Jun-18 % MVO ACC.S.21.1111. (PMJDY) 15.28 14.22 13.75 Overdrafts Sanctioned under PMJDY ( r In cr) 15.71 16.12 16.64 Jun-17 Mar-18 Jun-18 Jun-17 Mar-18 Jun-18 fg-aar SI Indian Bank 38/44 t4.1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank @MylndianBank Indian Bank II @myindianbank
Financial Inclusion (2/2) 0.81 0.77 0.82 1107.32 1439.17 1653.26 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 1000 - One of the best in Industry Si Indian Bank `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank II 39/44 @MylndianBank II Indian Bank II @myindianbank
Performance Under Government Schemes Pradhan Mantri Jeevan Jyoti Sims Yojana 21 lakh policies z Disbursement 353.68 crore (QE JUN 18) 3.58 lakh enrolments 9.18 lakh policies PMJJBY & PMSBY : Performance to Potential (P2P) ratio as on 30.06.2018 : 80.62% APY: Persistency Ratio as on 30.06.2018 : 72% 40/44 SW Indian Bank ko 1800 425 00 000 11 11 www.indianbank.in II 0 IndPay API) II O MylndianBank II @MylndianBank II Indian Bank II a @myindianbank
Awards & Accolades (1/2) 1 The Best Performing PSB under APY for the FY 2017-18 37T" FOL LAUNCHINCIM 2 1 st prize among Public Sector Commercial Banks for EXCELLENCE IN PERFORMANCE UNDER SHG BANK LINKAGE PROGRAMME in TAMIL NADU during 2017-2018 3. C7T 111=111= MICK SWILL i MEDIUM ENTERP EE f[..f1. FEL 'crq TEM 7T9 National Award for Excellence during 2015-16 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 --- 11111 ASSOC1-IAM SMEs Excellence Award 2017 for best SME offerings ltaar Si Indian Bank 41/44 `1800 425 00 000 II 11 www.indianbank.in II 0 IndPay App II 0 MylndianBank @MylndianBank Indian Bank II @myindianbank
Awards & Accolades (2/2) 5 6 7 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. 414-4at Si Indian Bank t.1800 425 00 000 II www.indianbank.in II 0 IndPay App II MylndianBank II @MylndianBank II Indian Bank II 42/44 @myindianbank
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.. 1800 425 00 000 www.indianbank.in IndPay App @MyIndianBank Indian Bank V kwitker You 43/44
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