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Presentation to Analysts

y
January
y 2012

Genesis
1964-1976

Set up
p byy an
Act of
Parliament in
1964 as a
subsidiary of
the Central
Bank (RBI)
Ownership
t
transferred
f
d tto
Govt. in 1976
IDBI had been a
policyy bank in
p
the area of
industrial
financing and
development

2

1994- 00

IDBI Act
amended to
permit private
ownership upto
49%.
Domestic IPO in
1995, reduces
Govt. stake to
72%
72%.
Post capital
restructuring in
2000, Govt.
stake reduced
to 58.5%

2003 - 06

IDBI Repeal
p
Act
passed in
December 2003
for conversion
to a banking
g
company.
Govt. ownership
to be not below
51%
Amalgamation
of IDBI Bank Ltd.
With IDBI Ltd.
W.e.f. April 2,
2005
Oct. 2006
amalgamated
erstwhile UWB.
UWB

2007- 10

Complete
p
Networking
(100% Core
Banking)
Organization
g
structure
redesigned on
Customer
SSegmentation
g
basis
Name changed
to IDBI Bank Ltd
Achieved
regulatory
norms of SLR,
CME

Status as Leading DFI
• Leading provider of long term finance
o Played an apex role in helping create the industrial and
infrastructural base in the country
o Total
T l Investments
I
generated
d – ` 4000 billi
billion ((approx.)) ((over USD
80 bn)
o Significant player in domestic debt syndication.

• Played a pivotal role in developing institutions that shaped the
country’s financial architecture
o
o
o
o
o
o
o
o
3

NSE
NSDL
CARE
SHCIL SIDBI
Exim BankARCIL NeDFI -

Electronic Stock Exchange,
Exchange
Securities Depository,
Rating Agency,
Depository Participant
Participant, e
e-stamping
stamping etc.
etc
Funding institution for SSI and ME
A bank to finance export Import
Asset reconstruction company
For development of North-East Region

Distribution Network
• Reach
• 933 branches; 1518 ATMs
• 1- Overseas, 259-Metro, 358-Urban,
220-Semi Urban & 95-Rural
• Presence in 619 locations
• Network of :
o 72 Retail Asset Centres
o 30 City SME Centres
o 21 Agri Processing Centres
o 7 Regional Processing Units
o 24 C
Central
t l Cl
Clearing
i U
Units
it
• 6 Currency Chests across the country
• Internet banking
• 4 Regional & 1 Central Training College

• Corporate customers:3000+
• Retail customer base:5 million+

• Global expansion plans
• Initiated the process for setting up Branch Offices at Singapore and Representative
Office at Shanghai
4

Q3 12 Q3 11

5

19.67

358

11.96

15.05

Q3 12 Q3 11

824
27%

410

PAT

OP PROFIT

NII

1193

1%

(` in Crore)

1135

14.87

10%

454

0.66

0.83

Q3 12

Q3 11

ROA

2.42

NIM
N

1.89

150239

11%

361

ROE

134491

18%

1059

CA
ASA

16%

177123

DEPOSITSS

ADVANCES

156217

FEE INCO
OME

Highlights (Q3 FY 12 over Q3 FY 11)

Q3 12 Q3 11

Balance Sheet
(` in Crore)

As at
LIABILITIES
C i l
Capital
Reserve & Surplus
[Net Worth]
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
6

31-De c-11

31-De c-10

985
98
14812
13903
177123
54115
8854
255888

985
98
13403
12452
150239
49612
6861
221099

15899
3859
71376
156217
3049
5489
255888

11211
1649
66123
134491
3036
4589
221099

Profit & Loss
(` in Crore)

Particulars
Interest income
Interest expenses
Net Interest income
Other Income
Total income
Operating Expenses
- Employee Cost
- Other Operating Expenses
Operating Profit
Provisions & contingencies
- NPAs / Write offs
- Restructured Assets
- Others (Invt., Std Asset, etc)
- Tax
Profit After Tax
7

Quarter Ende d
Nine Months Ended
Dec-11
De c-10
Dec-11
Dec-10
5849
4702
17290
13518
4790
3508
13957
10355
1059
1193
3334
3162
432
458
1342
1466
1491
1651
4676
4628
667
517
1814
1637
294
166
804
742
373
351
1010
896
824
1135
2862
2991
415
680
1601
1857
358
490
901
1124
134
66
160
115
-85
96
92
355
8
28
448
262
410
454
1261
1134

Details of Other Income
(` in Crore)

Particulars
Commission, Excg & Brkg
Profit on sale of investments
Profit/(Loss) on revaluation of investment
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

8

Quarter Ended Nine Months Ended FY Ended
Dec-11 Dec-10 Dec-11 Dec-10 Mar-11
297
292
884
1008
1470
40
65
161
95
143
8
-12
12
-45
45
-24
24
-20
20
0
0
-1
-1
-3
38
46
103
133
190
0
0
4
33
33
19
22
86
71
144
32
45
150
150
186
432
458
1342
1466
2143
361

358

1062

1219

1762

Details of Operating Expenses
(` in Crore)

Particulars
Staff Cost
Rent, taxes & lighting
g g
Printing & stationery
Depreciation
P t Telegram,
Postage,
Tl
Teleph.,
T l h etc
t
Repairs and maintenance
Outsourcingg expenses
p
Other expenditure
TOTAL

9

Quarter Ended Nine Months Ended
Dec 11 Dec-10
Dec-11
Dec 10 Dec-11
Dec 11 Dec-10
Dec 10
294
166
804
742
58
59
150
150
12
11
30
25
27
48
86
98
15
18
54
38
37
30
95
76
47
49
128
129
177
136
467
379
667
517
1814
1637

Key Ratios
Particulars
Net Interest Margin
Return on Assets
Return on Equity
Cost of all liabilities
Yield on Total Assets
Margin
Cost of Funds
Return on Earning Assets
Spread
Non-interest income to Total Income
Efficiency [Cost- Net Income] Ratio
Staff Expenses to total income
Staff Expenses to total expenses
Overhead efficiency ratio
10

Quarter Ended Nine Months Ended F.Y. Ended
Dec-11 Dec-10 Dec-11 Dec-10
Mar-11
1 89% 2.42%
1.89%
2 42%
2 00% 2.11%
2.00%
2 11%
22.11%
11%
0.66% 0.83%
0.68% 0.68%
0.73%
11.96% 14.87% 12.66% 14.30%
14.93%
7 71% 6.40%
7.71%
6 40%
7 52% 6.20%
7.52%
6 20%
6 31%
6.31%
10.11% 9.41% 10.04% 8.97%
9.15%
2.40% 3.01%
2.52% 2.77%
2.84%
8 64% 7.11%
8.64%
7 11%
8 36% 6.82%
8.36%
6 82%
6 94%
6.94%
10.37% 9.69% 10.28% 9.23%
9.39%
1.74% 2.58%
1.93% 2.41%
2.45%
6 88% 8.88%
6.88%
8 88%
7 20% 9.78%
7.20%
9 78%
10 36%
10.36%
44.72% 31.29% 38.80% 35.38%
35.16%
4.68% 3.21%
4.31% 4.95%
5.06%
5 39% 4.12%
5.39%
4 12%
5 10% 6.18%
5.10%
6 18%
6 33%
6.33%
64.75% 88.63% 73.96% 89.53%
95.06%

Balance Sheet Ratios
(` in Crore)

Total Business [Dep. + Adv.] (Rs. In crore)
SB Deposits to Total Deposits
Current Account Deposits to Total Deposits
Time Deposits to Total Deposits
Book Value - Rs.
Total Off B/Sheet item to Total Assets
Owned Funds to total outside liabilities
Tier One Capital
Tier Two Capital
T t l Capital
Total
C it l
Total Risk Weighted Assets
Total Risk Weighted Assets to Total Assets(%)
CRAR (Total)
CRAR - Tier I
CRAR - Tier II
Number Of Accounts
(i) Savings
(ii) Current
(iii) Term deposits
11

31-Dec-11
333340
9.57%
10.10%
80.33%
141.20
60 86%
60.86%
6.01%
15417
12240
27657
204372
79.87
13.53%
7.54%
5.99%

31-Dec-10
284729
7.71%
7.34%
84.95%
126.48
59 97%
59.97%
6.23%
14931
8874
23805
168873
76.38
14.10%
8.84%
5.26%

5631135
1421045
1402498

4007664
1057428
867894

NPAs
Particulars
Gross Advances
Gross NPAs
Gross NPAs as % of Gross Advances
Total Provisions held
Net Advances
Net NPAs
Net NPAs as % of Net Advances
Provision Coverage Ratio
Provision Coverage Ratio as per RBI Guidelines
Sectoral Net NPAs
A i and
Agri
d Allied
Alli d Activities
A ti iti
Industry (Micro, Small, Medium & Large)
Services
Personal Loans

12

(` in Crore)

Dec-11 Dec-10
157799 135902
4640
3021
2.94
2.22
1582
1411
156217 134491
3058
1610
1.96
1.2
34.10
46.71
69.09
75.61
%
3 05
3.05
1.75
4.56
1 05
1.05

Summary of NPAs as on December 31, 2011
(` in Crore)

For the Quarter
As on 01.10.2011
Additions (First Time NPA)
Less:
(i) Upgradations
(ii) Recoveries
(iii) Write
W it offff
As on 31.12.2011
13

Gross NPA Provision Net NPA
3889
1447
2443
1234
464
769
161
100
222
4640

35
72
222
1582

127
28
0
3058

Classification of NPAs as on December 31, 2011
(` in Crore))

FFor the
th Quarter
Q t
Sub Standard Assets
Doubtful Assets
Loss Assets
Total

14

G NPA Provision
Gross
P ii
N t NPA
Net
2 714
426
2 288
1 824
1 054
770
102
102
0
4640
1582
3058

Advances
Vertical
ICG
LCG
MCG
SME
AGRI
PBG
TOTAL

31-Dec-11
28314
46912
32787
8946
11940
27317
156217

31-Dec-10
25742
36634
28838
11905
8744
22628
134491

Maturity Profile
Upto 6 months
6 Months - 1 Year
1 - 3 years
3 - 5 years
> 5 years
Total

15

Nature
Bil s
CC, OD,WCDL ETC
Term Loans- Other
Total
Amount
27060
9036
62235
22862
35024
156217

(` in Crore)

31-Dec-11 31-Dec-10
3011
36321
116885
156217

2364
27681
104445
134491

Advances
INDUSTRY
POWER
IRON AND STEEL
ROADS & BRIDGES / PORTS
OIL & GAS/PETROLEUM PRODUCTS
TELECOM
NBFC
CONSTRUCTION
AGRICULTURE & RELATED ACTIVITIES
INFRASTRUCTURE OTHERS
GENERAL MACHINERY & EQUIPMENTS
TEXTILES
BANKING
TRADING
CEMENT
METAL PRODUCTS
CHEMICAL & CHEMICAL PRODUCTS
FERTILIZERS
ELECTRICAL MACHINERY & EQUIPMENTS
FINANCIAL SERVICES (OTHER THAN NBFC/NBFC
COMMERCIAL REAL ESTATE
TOTAL
16

OUTSTANDING
FB
NFB
TOTAL
12,892.41
11,628.04
24,520.44
9,219.28
5,958.32
15,177.59
6,796.42
6,015.16
12,811.58
7,008.50
3,780.29
10,788.79
8,337.66
3,316.91
11,654.57
10,653.13
337.72
10,990.85
2 792 63
2,792.63
8 017 14
8,017.14
10 809 77
10,809.77
9,728.30
1,912.24
11,640.54
2,325.49
5,034.67
7,360.17
2,166.81
4,784.55
6,951.36
,
1,319.86
,
6,982.29
,
5,662.43
258.77
814.12
1,072.89
2,714.27
3,108.61
5,822.88
4,587.89
960.57
5,548.45
1,581.51
2,656.78
4,238.29
1,565.92
2,288.20
3,854.12
733.29
2,932.65
3,665.94
1,270.97
2,510.08
3,781.06
864.87
169.50
1,034.37
3 708 69
3,708.69
514 92
514.92
4 223 62
4,223.62
94,869.24
68,060.33
1,62,929.57

(` in Crore)
COMMITED EXPOSURE
FB
NFB
TOTAL
19,741.71
17,661.72
37,403.42
14,773.67
8,582.76
23,356.44
9,654.90
9,915.35
19,570.25
9,142.73
8,193.82
17,336.55
11,049.95
5,045.63
16,095.59
13,794.90
1,141.44
14,936.34
3 971 08
3,971.08
9 270 49
9,270.49
13 241 57
13,241.57
12,408.05
651.37
13,059.42
4,246.25
7,247.38
11,493.63
4,001.57
7,051.25
11,052.82
8,670.53
,
2,347.96
,
11,018.49
,
4,743.36
6,050.50
10,793.86
4,630.18
4,151.11
8,781.30
6,316.26
1,793.68
8,109.94
3,161.63
4,166.65
7,328.28
3,137.97
3,090.93
6,228.89
1,100.18
4,985.33
6,085.51
1,838.40
3,673.83
5,512.24
4,888.55
493.90
5,382.45
4 567 49
4,567.49
790 51
790.51
5 358 00
5,358.00
1,45,839.35
1,06,305.63
2,52,144.97

Summary of Restructured Advances as on December 31, 2011

(` in Crore))

Particulars
Gross
Less: FITL Provision
Ttl
Total

17

PA
NPA TOTAL
7 697
697.05
05 2197.84
2197 84 9894.90
9894 90
291.13
81.44 372.57
7405 92 2116.40
7405.92
2116 40 9522.32
9522 32

Restructuring
Indus try
Agro Indus tries
Air Trans port
Chemical & Fertilizers
Diamond Indus try
Electical Machinery
Electricity
Electronics
Financial Services
Food & Beverages
Health Care
Infrastructure
IT
Metal Indus try
Mining and quarrying
Mis c. Industry
Motor Vehicles
Other Services
Paper
Printing
Real Es tate
Retail Store
Telecommunications
Textiles
Total

18

Outs tanding
182.76
736.04
188.31
93.72
483.30
2 989.94
3.51
6.30
1 019.11
176.81
872.91
28.38
674.90
8.99
214.03
35.06
148.46
116 46
116.46
4.13
157.91
173.13
371.41
1 209
209.33
33
9 894.90

FITL Prov.
0.00
0.00
4.97
0.00
27.75
173.26
0.00
0.00
57.99
0.00
14.89
0.00
29.14
0.00
0.00
0.05
0.54
1 75
1.75
0.00
4.11
1.42
33.92
22 78
22.78
372.57

(` in Crore)

Net Outs tanding
182.76
736.04
183.34
93.72
455.55
2 816.68
3.51
6.30
961.12
176.81
858.02
28.38
645.76
8.99
214.03
35.00
147.92
114 71
114.71
4.13
153.80
171.71
337.50
1 186
186.55
55
9 522.32

NPAs out of Restructured Advances as on Dec 31,2011
(` in Crore)
Industry
Agro Industries
Air Transport
Chemical & Fertilizers
Diamond Industry
Electical Machinery
Electricity
Electronics
Food & Beverages
Health Care
Infrastructure
IT
Metal Industry
Mining and quarrying
Misc. Industry
Motor Vehicles
Other Services
Paper
Real Estate
Retail Store
Telecommunications
Textiles

Grand Total
19

Outstanding

FITL Prov.

Net Outstanding

34.83
736.04
28 88
28.88
8.24
358.19
47.41
3.51
191.60
2.52
26.25
28.38
64.17
8.99
116.15
6.82
30 43
30.43
15.48
76.25
29.95
160.03
223.73

0.00
0.00
4 97
4.97
0.00
15.50
0.00
0.00
14.04
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0 50
0.50
1.75
0.00
0.00
33.92
10.77

34.83
736.04
23 91
23.91
8.24
342.69
47.41
3.51
177.55
2.52
26.25
28.38
64.17
8.99
116.15
6.82
29 94
29.94
13.72
76.25
29.95
126.11
212.97

2 197.84

81.44

2 116.40

Investments
Category
Government Securities
SASF Securities
pp
securities
Other approved
Shares (Equity)
Shares (Preference)
Debentures/ Bonds
Subsidiaries / Joint Ventures
Security Receipts
Oth (CPs/CDs/MF)
Others
(CP /CD /MF) etct
Total

20

HTM
44592.66
5541.00
1.55
214 22
214.22
620.78
2628 89
2628.89
53599.10

AFS
7583.80
2449.46
1175.21
2194 07
2194.07
867.46
2335 46
2335.46
16605.45

(` in Crore)

HFT
458.98
9.45
254 18
254.18
1548 88
1548.88
2271.49

Total
52635.44
5541.00
1.55
2458.91
1175.21
2662 46
2662.46
620.78
867.46
6513 23
6513.23
72476.04

List of some strategic investments
Sr.No.
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
21

Name of Company
IDBI MF TRUSTEE COMPANY LTD.
IDBI INTECH LIMITED
IDBI CAPITAL MARKET SERVICES LIMITED
IDBI ASSET MANAGEMENT LTD
LTD.
IDBI TRUSTEESHIP SERVICES LIMITED
IDBI FEDERAL LIFE INSURANCE COMPANY LIMITED
NATIONAL SECURITIES DEPOSITORY LIMITED
BIOTECH CONSORTIUM INDIA LIMITED
CREDIT ANALYSIS AND RESEARCH LIMITED
NORTH EASTERN DEVELOPMENT FINANCE CORPORATION LIMITED
INVESTORS SERVICES OF INDIA LIMITED
PONDICHERRY INDUSTRIAL PROMOTION DEVELOPMENT AND INVT CORP LTD
SMALL INDUSTRIES DEVELOPMENT BANK OF INDIA
ASSET RECONSTRUCTION COMPANY (INDIA) LIMITED
STOCK HOLDING CORPORATION OF INDIA LIMITED
OTC EXCHANGE OF INDIA LIMITED
EDC LIMITED
TRIPURA INDUSTRIAL DEVELOPMENT CORPORATION LIMITED
NEPAL DEVELOPMENT BANK LIMITED
UNIVERSAL COMMODITY EXCHANGE LTD.
CORDEX INDIA PVT. LTD.
STCI FINANCE LIMITED (SECURITIES TRADING CORPORATION OF INDIA LIMITED)
CLEARING CORPORATION OF INDIA LIMITED
NATIONAL STOCK EXCHANGE OF INDIA LIMITED
UNITED STOCK EXCHANGE OF INDIA LIMITED

% Holding
100.00
100.00
100.00
66 67
66.67
54.70
48.00
30.00
27.93
25.79
25.00
24.21
21.14
19.21
19.18
18.95
17.00
11.43
10.78
10.00
10.00
7.14
6.60
6 50
6.50
5.00
0.97

Liabilities
Deposits
Current
Savings
Term
Total

31-Dec-11 31-Dec-10
17881
11020
16958
11588
142284
127630
177123
150239
Maturity
atu ty Profile
o e
Upto 6 months
6 Months - 1 Year
1 - 3 years
3 - 5 years
> 5 years
Total

22

Borrowings
Tier I
Upper Tier II
L
Lower
Tier
Ti II
Flexi Bonds
Omni Bonds
Refinance/Borrowings
SLR Bonds
Outside India
Total

Amount
ou t
77167
42970
67034
16672
27394
231237

(` in Crore)

31-Dec-11
3839
4286
8033
474
14125
13245
377
9736
54115

31-Dec-10
3839
3286
5851
567
16205
11167
1493
7204
49612

Thank You

23