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Ravish R Mishra MFM

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Industrial Development bank of India (IDBI) was constituted under Industrial Development bank of India Act, 1964 as a Development Financial Institution and came into being as on July 01, 1964 vide GoI notification dated June 22, 1964. It was regarded as a Public Financial Institution in terms of the provisions of Section 4A of the Companies Act, 1956. It continued to serve as a DFI for 40 years till the year 2004 when it was transformed into a Bank.

IDBI Bank Ltd.Towards achieving the faster inorganic growth of the Bank. was amalgamated with IDBI Ltd. a wholly owned subsidiary of IDBI Ltd. 2005. 1949 providing for voluntary amalgamation of two banking companies. The merger became effective from April 02.. in terms of the provisions of Section 44A of the Banking Regulation Act. .

a Satara based private sector bank was placed under moratorium by RBI. 2006.` The United Western bank Ltd. showing interest to take over the said bank towards its further inorganic growth. (UWB). of India amalgamated UWB with IDBI Ltd. 1949. . The merger came into effect on October 03. Upon IDBI Ltd. RBI and Govt. in terms of the provisions of Section 45 of the Banking Regulation Act.

As an Universal Bank. the Life Insurance Business. IDBI Bank. . is today one of India's largest commercial Banks. has an established presence in associated financial sector businesses like Capital Market and Investment Banking. besides its core Banking and project finance domain.IDBI Bank Ltd. Primary Dealership area and more recently. Home Finance.

IDBI Bank is strongly committed to work towards emerging as the 'Bank of choice' and 'the most valued financial conglomerate'.As a step towards taking the organization on a accelerated growth path. besides generating wealth and value to all its stakeholders. the Bank has reorganized its businesses around nine verticals out of which six customer verticals. . each focusing on distinct customer segments and three business verticals. Going forward.

Employee Cost .Deferred Tax Profit After Tax Quarte r e nde d Ye ar e nde d Mar 10 Mar 09 Mar 10 Mar 09 4081 3298 15273 11545 3321 2781 13005 10306 760 517 2267 1239 547 436 2291 1476 1307 954 4558 2716 613 470 1831 1338 286 223 773 583 328 247 1058 755 694 484 2727 1378 376 170 1696 519 -86 29 236 119 47 14 599 14 582 68 848 259 166 59 346 127 -333 0 -333 0 318 314 1031 859 7 .Other Operating Expenses Operating Profit Provisions & contingencies .NPAs .Tax (Current Tax. Std Asset.Others (Invt.Profit & Loss Account Particulars Interest income Interest expenses Net Interest income Other Income Total income Operating Expenses .. FBT) . etc) .Restructured Assets .

Others (Invt.Other Operating Expenses Operating Profit 4558 Provisions & ontingen ies . etc) .Tax (Current Tax.Employee Cost .Deferred Tax Profit After Tax .Restructured Assets 2291 2267 13005 .. Std Asset.NPAs . FBT) .Year ended Mar 10 -333 599 236 1696 2727 1058 773 1831 15273 346 848 1031 I t r Int r t in t xp n t in N t Int r Oth r In Total in ome Operating Expen es .

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 Quarter ended Year ended Mar 10 Mar 09 Mar 10 Mar 09 368 270 1225 725 67 126 748 410 -6 -37 -51 -86 -1 14 -1 13 26 27 98 87 0 0 18 14 37 22 121 199 56 14 132 114 547 436 2291 1476 444 330 1435 901 .Particulars Commission.

. Telegram.Particulars Staff C t Rent. taxes & lighting Printing & stationery Advertisement & Publicity Depreciation Postage. Teleph. etc Repairs and maintenance Insurance Banking expenses Expenses for recovery of write off cases Outsourcing expenses Fee and other expenses for borrowing Other expenditure TOTA Quarter ended Year ended Mar 10 Mar 09 Mar 10 Mar 09 286 223 773 583 62 30 178 114 8 8 29 26 7 23 46 48 32 -19 91 53 23 14 64 50 25 18 84 65 30 19 114 69 13 10 47 37 1 1 4 4 55 63 153 132 18 9 74 36 53 70 173 121 613 470 1831 1338 .

Par c ar Ne e e Ma (%) ea P Ma e A e (%) e Eq (%) C f a a e (%) Yed a A e (%) Ma C f d (%) e Ea A e (%) ead (%) L c f d a d (%) Ne NPA a (%) ar er e e Mar Mar % % % % % % % % % % % % % % % % % % % % % % % % ear e e Mar Mar % % % % % % % % % % % % % % % % % % % % % % % % .

05% 40.10% 5.26% 6.37% 7.91% 50.18% 49.31% 4.09% 4.00% 89.05% 6.34% 46.20% 93.82% 11.09% 110.Particulars Non-interest income to Total Income Efficiency [Cost-Net Income] Ratio Staff Expenses to total income Staff Expenses to total expenses Overhead efficiency ratio Quarter ended Year ended Mar 10 Mar 09 Mar 10 Mar 09 11.07% 13.35% .78% 125.04% 11.00% 5.12% 7.

leased assets] Other Assets Total 31-Mar-10 725 9438 8197 167667 47709 8032 233572 13903 679 73345 138202 2997 4445 233572 31-Mar-09 725 8697 7413 112401 44417 6162 172402 8592 2628 50048 103444 2824 4867 172402 . with banks & money at call Investments Advances Fixed Assets [incl.As at LIABILITIES Capital Reserve & Surplus [ et Worth] Deposits Borrowings Other Liabilities & provisions Total ASSETS Cash & balance with RBI Bal.

24% 5.02% 5.92% 4.73% 9559 6682 16241 90678 140405 81.81% 11095 9006 20101 118218 177688 76.57% 6.22% 102.44% 11.89% 9.81% 4.08 54.Tier II 1.89% 85.31-Mar-10 31-Mar-09 i [ + v ] ( C ore) Tot l Net N to Net Adv es SB Deposits to Tot l Deposits C rrent Account Deposits to Tot l Deposits Ti e Deposits to Tot l Deposits Book Value .83% 4.24% 9.07% 0.35% 85.Rs.29 66.31% 6.07% 11.04% 3. Total Off B/Sheet item to Total Assets Owned Funds to total outside liabilities Tier One Capital Tier Two Capital Total Capital Funded Assets Total Risk Wei hted Assets Total Risk Wei hted Assets to Total Assets CRAR (Total) CRAR .Tier I CRAR .76% .41% 113.

1.12.05.10 % to Rs.901 Crore) NII grew by 82.15. 2.202 Crore (previous year Rs.3.2% to Rs.2727 Crore during FY10 Net profit up 20.38.444 Crore) Total assets grew by 35.401 Crore) Advances up by 33.1.03.1435 Crore (previous year Rs.6% to Rs.845 Crore) Deposits increased by 49.572 (Previous year Rs.402 Crore) Dividend proposed to increase to 30% compared to 25% in the previous year .1239 Crore) Business up 41.67.1. 1.2267 Crore (previous year Rs.5% to Rs.869 Crore (previous year Rs. 1.9% to Rs.667 Crore (previous year Rs.1031 Crore during FY10 Fee based income grew by 59.` ` ` ` ` ` ` ` ` Operating profit up 97.7% to Rs.9% to Rs.2% to Rs.33.72.2.

1031 crore for the year ended March 31.859 crore in the corresponding quarter and year ended March 31.1435 Crore as against Rs. 2010 stood at Rs.2267 crore as against Rs. recording a growth of 82. stood at Rs.314 crore and Rs.9%. 2010.760 crore as against Rs. 2009. This amounts to an increase in net profit by 20.901 Crore in the previous year. Fee based income during the year has shown considerable improvement to Rs.517 crore in the corresponding quarter of the previous year.` Profitability: IDBI reported a net profit of Rs. recording a growth of 47. NII for the year ended March 31. 2010.1% for the year. as against Rs.2%. recording a growth of 59.318 crore for the quarter and Rs.0%. ` ` .1239 crore in the previous year. Net Interest Income (NII) for the quarter ended March 31.

2%. registering a growth of 41.1.3.12.1.38.667 Crore at end-March 2010 from Rs. ` ` . with a robust growth of 49. Advances increased by 33.7%.15. 2009.869 crore as against Rs.2.6% to Rs.444 crore as at end-March 2009.` Business: As of March 31.05.845 crore as of March 31.67.03.401 crore at end-March 2009.202 crore. IDBI¶s total business (deposits and advances) stood at Rs. as compared to Rs. Deposits increased to Rs.1. 2010.1.

registering a growth of 35. .33.572 crore as against Rs.2.72. 2010. 2009. aggregate assets stood at Rs.1.` As of March 31.5%.402 crore as on March 31.

` ` .` 1) During the year. 3) During the month of December 2009. the Bank operates through a network of 720 branches and 1210 ATMs across the country. 2) IDBI Bank launched its Mutual Fund company.I Branch at DIFC has commenced operations in January 2010. in March 2010. This is to add mutual funds also to its bouquet of products for its customers. As on date. The Category .. enabling the Bank to provide foreign currency funding to its customers in addition to rupee funding. the Bank set its first footprint abroad by setting up its first overseas branch at Dubai. IDBI Asset Management Ltd. IDBI Bank crossed the landmark of 700 branches. IDBI Bank is the second largest syndicator of funds in India and the fourth largest in entire Asia-Pacific.

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