Transcript Presentation on Performance during - FY 2009-10

Presentation
on Performance during
FY (2009 – 10)
April 30, 2010
30-April-10
1
Highlights
Balance Sheet
 Business stands at Rs.3.06 lakh Crore
 Balance sheet size at Rs.2.34 lakh Crore
 Deposits at Rs.1,67,667 Crore; growth 49%
 CASA at 14.59% of total deposits
 Advances at Rs.1,38,202 Crore; growth 34%
 Business per Employee Rs.24.17 Crore
 Profit per Employee Rs.8.44 lakh
30-April-10
2
Highlights Q on Q
Profitability
 NII – Q4 FY 10 at Rs.760 Crore (Q4 FY 09 Rs.517 Crore)
 NII – Q4 FY 10 up by 47%
 Fee based income for Q4 FY 10 up by 34% to Rs.444 Crore
(Q4 FY 09 Rs.330 Crore)
 PAT – Q4 FY 10 Rs.318 Crore (Q4 FY 09 Rs.314 Crore)
30-April-10
3
Highlights FY on FY
Profitability
 NII – FY 10 at Rs. 2267 Crore (PY 09 Rs.1239 Crore).
 NII – FY 10 up by 83%.
 Fee based income for FY 10 up by 59% to Rs.1435 Crore
(PY 09 Rs.901 Crore).
 PAT – FY 10 Rs.1031 Crore (PY 09 Rs.859 Crore) .
 PAT for FY 10 up by 20%.
30-April-10
4
Highlights
 Balance sheet growth at 36%
 Total business [Dep. + Adv.] grew by 42% to
Others
Rs.3,05,869 Crore
 CRAR – 11.31% (PY 09 –11.57%)
- Tier I : 6.24% <> Tier II: 5.07%
 Branches increased to 720
 ATMs increased to 1210
30-April-10
5
Profit & Loss Account
(Rs. 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
- Restructured Assets
- Others (Invt., Std Asset, etc)
- Tax (Current Tax, FBT)
- Deferred Tax
Profit After Tax
30-April-10
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
6
Details of Other Income
(Rs. 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
30-April-10
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
7
Details of Operating Expenses
(Rs. Crore)
Particulars
Staff Cost
Rent, taxes & lighting
Printing & stationery
Advertisement & Publicity
Depreciation
Postage, Telegram, 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
TOTAL
30-April-10
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
8
8
Key Profitability Indicators
Particulars
Net Interest Margin (%)
Operating Profit Margin
Return on Assets (%)
Return on Equity (%)
Cost of all liabilities (%)
Yield on Total Assets
Margin (%)
Cost of Funds (%)
Return on Earning Assets (%)
Spread (%)
Low cost funds to Total Funds (%)
Net NPA Ratio (%)
30-April-10
Quarter ended
Year ended
Mar 10 Mar 09 Mar 10 Mar 09
1.57% 1.64% 1.28% 0.99%
1.31% 1.39% 1.40% 0.99%
0.60% 0.90% 0.53% 0.62%
15.52% 17.70% 13.14% 12.11%
6.25% 7.98% 6.69% 7.39%
8.72% 10.71% 9.03% 9.34%
2.46% 2.74% 2.34% 1.95%
6.86% 9.08% 7.35% 8.42%
9.02% 11.32% 9.38% 9.87%
2.16% 2.24% 2.03% 1.45%
14.59% 14.78% 14.59% 14.78%
1.02% 0.92% 1.02% 0.92%
9
Key Operating Indicators
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
30-April-10
Quarter ended
Mar 10 Mar 09
11.82% 11.07%
46.91% 50.05%
6.05% 6.09%
7.12% 7.00%
89.20% 93.78%
Year ended
Mar 10 Mar 09
13.04% 11.34%
40.18% 49.26%
4.31% 4.37%
5.10% 5.00%
125.09% 110.35%
10
Balance Sheet
(Rs. Crore)
As at
LIABILITIES
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
30-April-10
31-Mar-10
31-Mar-09
725
9438
8197
167667
47709
8032
233572
725
8697
7413
112401
44417
6162
172402
13903
679
73345
138202
2997
4445
233572
8592
2628
50048
103444
2824
4867
172402
11
Balance Sheet Ratios
Total Business [Dep. + Adv.] (Rs Crore)
Net NPAs to Net Advances
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
Total Capital
Funded Assets
Total Risk Weighted Assets
Total Risk Weighted Assets to Total Assets
CRAR (Total)
CRAR - Tier I
CRAR - Tier II
30-April-10
31-Mar-10 31-Mar-09
305869
215845
1.02%
0.92%
5.24%
4.89%
9.35%
9.89%
85.41%
85.22%
113.08
102.29
54.04%
66.83%
3.81%
4.73%
11095
9559
9006
6682
20101
16241
118218
90678
177688
140405
76.07%
81.44%
11.31%
11.57%
6.24%
6.81%
5.07%
4.76%
12
Asset Quality
NPAs
30-April-10
As at 31-March-2010
(Rs.Crore)
Gross Advances
138925
Gross NPAs
2129
Gross NPAs as % of Gross Advances
1.53
Total Provisions held
723
Net Advances
138202
Net NPAs
1406
Net NPAs as % of Net Advances
1.02
Provision Coverage Ratio
74.86
13
Significant Developments
 Commenced operations of first overseas branch at the Dubai
International Financial Centre (DIFC), Dubai
 IDBI Asset Management Ltd. (IDBI AMC), received licence to
launch Mutual Fund operations in March 2010.
 Launched
Corporate campaign with renewed focus - well
appreciated and bagged number of Awards.
30-April-10
14
Thank You
15