Analyst_June_2024 IDBI Bank presentation

INVESTORS
PRESENTATION
FINANCIAL RESULTS
Q1 - FY 2024-25
July 22, 2024

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implied by such forward‐looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding expansion
plans and the benefits there from, fluctuations in our earnings, our ability to manage growth and implement strategies, changes in demand, competition in our business including
those factors which may affect our cost advantage, wage increases in India, our ability to attract and retain highly skilled professionals, our ability to win new contracts, changes
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Previous year figures have been regrouped / restated wherever applicable.
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Disclaimer
Certain figures reported will not add-up due to rounding.

Table of Contents
01
02
03
04
Highlights
Financial Performance
Business Performance
Treasury Operations
06
07
08
09
Capital
Digital Banking and Financial
Inclusion
Subsidiaries
Way Forward
05 Asset Quality

PAT - Rs.1719 crore
PBT - Rs.2519 crore
Operating Profit -
Rs.2076 crore
ROA – 1.83%
ROE – 19.87%
NII - Rs.3233 crore
NIM – 4.18%
[Core NIM – 3.79%]
Total RWA - Rs.177755 crore
Total CRAR - 22.42%
Tier 1 Capital – 20.26%
Yield on advances – 9.82%
Cost of deposit – 4.58%
Cost of funds – 4.81%.
Net Adv. - Rs.194026 crore
Deposit - Rs.277548 crore
CASA ratio - 48.57%
Net NPA – 0.23%
GNPA – 3.87%
PCR – 99.34%
Major Highlights for Q1 FY 2025 – Sustained Strong Performance

Profitability - Strong operating momentum
 Total Deposits at Rs.277548 crore grew by 13% YoY. CASA ratio at 48.57%. CASA at Rs.134810 crore
 Net Advances at Rs.194026 crore grew by 17% YoY and 3% QoQ
 Retail Net Advances at Rs.136683 crore and grew by 20% YoY. SRA at Rs.85007 crore grew by 12% YoY
 Saving Deposits at Rs.89962 crore grew by 7% YoY. Retail Deposits at Rs.97044 crore grew by 9% YoY
Business Performance - Focus on Granularity
Key Metrics for Q1 FY 2025
 PAT at Rs.1719 crore, up by 40% YoY and 6% QoQ
 PBT at Rs.2519 crore, up by 38% YoY and 22% QoQ
 Operating Profit at Rs.2076 crore
 NII at Rs.3233 crore
 NIM at 4.18%
 ROA at 1.83% , up by 34 bps YoY
 ROE at 19.87% up by 123 bps YoY

Asset Quality - Improving Trend
 Tier 1 Capital at 20.26%, up by 233 bps YoY and 15 bps QoQ
 Total CRAR at 22.42%, up by 209 bps YoY and 16 bps QoQ
 Total RWA stood at Rs.177755 crore
Capital - Adequately Capitalised
Key Metrics for Q1 FY 2025 (contd.)
 Net NPA at 0.23%, reduction of 21 bps YoY and 11 bps QoQ
 GNPA at 3.87%, reduction of 118 bps YoY and 66 bps QoQ
 PCR stood at 99.34%, improved by 35 bps YoY and 25 bps QoQ
 SMA to standard advance stood at 2.42% against 2.93% as on June 2023

Profit & Loss
(Rs.Crore)
Particulars
Quarter ended Variance
FY24
Jun-23 Mar-24 Jun-24 YoY% QoQ%
Interest Income 6860 6990 6666 (3) (5) 26426
Interest Expenses 2862 3302 3433 20 4 12240
Net Interest Income 3998 3688 3233 (19) (12) 14186
Other Income 852 896 805 (6) (10) 3611
Net Total Income 4850 4584 4038 (17) (12) 17797
Operating Expenses 1831 2409 1962 7 (19) 8205
-Employee Cost 949 1306 952 - (27) 4254
-Other Operating Cost 882 1103 1010 15 (8) 3951
Operating Profit 3019 2175 2076 (31) (5) 9592
Provisions & Contingencies (Excl. Tax) 1191 114 (443) (137) (489) 1397
Profit/(Loss) Before Tax 1828 2061 2519 38 22 8195
Tax 604 433 800 32 85 2561
Profit/(Loss) After Tax 1224 1628 1719 40 6 5634
Q1 FY 2024 had one time high interest recovery from NPA/ TWO Accounts

Net Interest Income
(Rs.Crore)
Core NIM % 3.94 3.84 3.79 (15) bps (5) bps 3.90
Core NIM = NIM excluding interest on IT refund and interest income from NPA & TWO accounts
Particulars
FY24
Interest Income
Interest on Advances 4862 4762 4424 (9) (7) 17971
Interest on Investments 1792 2068 2095 17 1 7737
Interest balances with RBI & Other Inter Bank Funds 135 85 81 (40) (5) 340
Other Interest Income 71 75 66 (7) (12) 378
Interest Income 6860 6990 6666 (3) (5) 26426
Interest Expense
Interest paid on Deposits 2449 2875 3031 24 5 10601
Interest on RBI / inter bank borrowings 233 243 219 (6) (10) 906
Interest paid on Borrowings 180 184 183 2 (1) 733
Total Interest Expenses 2862 3302 3433 20 4 12240
Net Interest Income 3998 3688 3233 (19) (12) 14186
NIM % 5.80 4.91 4.18 (162) bps (73) bps 4.93

Other Income
(Rs.Crore)
Particulars
FY24
Commission, exchange and brokerage 455 534 471 4 (12) 1946
Profit/ (Loss) on sale of investments 137 203 117 (15) (42) 708
Profit/(Loss) on revaluation of investments (net) 29 (63) (36) (224) (43) 11
Profit/(Loss) on Forex 113 87 75 (34) (14) 354
Dividend Income - - - - - 18
Recovery from W/O cases 91 118 147 62 25 508
Misc. Income 27 17 31 15 82 66
Other Income 852 896 805 (6) (10) 3611

Provisions & Contingencies
(Rs.Crore)
Particulars
Quarter ended
FY24
Jun-23 Mar-24 Jun-24
Depreciation on Investment (54) 43 (358) 284
Provision – NPAs 581 (693) (1439) (671)
Provision – Standard Assets 489 (306) 839 (161)
Provision - Restructured Assets 6 16 (13) (12)
Income Tax 604 433 800 2561
Bad Debts Written off 119 1049 538 1681
Other Provisions 50 5 (11) 276
Total 1795 547 356 3958

Yield Ratios (Cumulative)
12.47%
11.17% 10.93% 10.90%
9.82%
Jun 23 Sep 23 Dec 23 Mar 24 Jun 24
Yield on Advances
5.80%
5.07% 4.94% 4.93%
4.18%
NIM
37.75%
42.19% 43.87%
46.10% 48.60%
Cost To Net Income

Cost of Deposits & Cost of Funds (Cumulative)
4.12%
4.14% 4.23%
4.30%
4.58%
Cost of Deposits
4.40%
4.41% 4.50% 4.56%
4.81%
Cost of Funds

Balance Sheet
(Rs.Crore)
As at Jun-23 Mar-24 Jun-24
LIABILITIES
Capital 10752 10752 10752
Reserve & Surplus 35788 39129 42371
Deposits 244936 277657 277548
Borrowings 27276 17083 21365
Other Liabilities & Provisions 17147 18569 18988
Total 335899 363190 371024
ASSETS
Cash & Balance with RBI 14713 13991 16874
Bal. with banks & money at call 9554 11942 8946
Investments 107941 114934 118504
Advances 165403 188621 194026
Fixed Assets 9691 9520 9430
Other Assets 28597 24182 23244
Total 335899 363190 371024

7% YoY
0.08% YoY
9% YoY
Total Deposit CASA
Deposit Mix Deposit Mix
13% YoY
0.04% QoQ
68% YoY
1% QoQ
8% QoQ
1% QoQ
9% QoQ
(Rs.Crore)
244936
277657 277548
Jun 23 Mar 24 Jun 24
34.29% 32.78% 32.41%
47.39% 49.57% 51.43%
Time Deposits to Total Deposits %
SB Deposits to Total Deposits %
11.13%
15.05% 16.46%
18.32% 17.65% 16.16%
Current Deposits to Total Deposits %
Bulk Deposits to Total Deposits %
128870
140027
134810
52.61%
50.43%
48.57%
CASA Deposits
CASA Share
27258 41783 45694
88809
95847 97044
44882
49014 44848
83987
91013 89962
Saving Deposits Current Deposits Retail Deposits Bulk Deposits

Saving Deposits
Retail Deposits
Current Deposits
Bulk Deposits
(Rs.Crore)
9% YoY
1% QoQ
68% YoY
9% QoQ
83987
91013 89962
44882 49014 44848
7% YoY
1% QoQ
0.08% YoY
8% QoQ
88809
95847
97044
27258
41783
45694

Business Performance and Advances
(Rs.Crore)
Basis: Product Wise
18754 19364 18339
35403
38768 40684
Large Corporate Mid Corporate
54157
58132 59023
Gross Advances as on Jun 24 – Rs.201368 crore
Others includes Staff home loan, Loan against securities and Merchant Establishment Overdraft
3393 3974 3840
1926
10128 12927
14147
14613
14158
11996
11740
11499
10869
13180
13602
Gold Loan
Agri
MSME
Bulk business/Centralised business
Other Retail
42331
53635
56026
2791 3080 3155
4181 4990 5034
15479
17333 17230
54496
59724 60900
Housing Loan
Loan Against Property
Auto Loan, Education Loan & Personal Loan
Others
76947
85127 86319
Structured Retail Advances Non-Structured Retail Advances Corporate Advances

Advances Composition
Personal Loans includes Housing Loan, Education Loan, Auto Loans & Other Retail Loans. Service sector includes trade, NBFCs, professional, commercial real estate, transport operators, computer software,
shipping, tourism, hotel and restaurants etc.
(Rs.Crore)
78393
40850
45104
19894
17127
Personal Loans
Industry
Services
Agriculture
Others
Gross Advances as on Jun 24 – Rs.201368 crore
Domestic - 95%
Overseas –
5%
Jun-24
Retail - 71%
Corporate –
29%
Jun-24

Net Advances
(Rs.Crore)
18% YoY
3% QoQ
17% YoY
3% QoQ
165403
188621 194026
51515 55105 57287
113157
132872 136286
164672
187977 193573
Corporate Retail
Standard Gross Advances

(Rs.Crore)
Particulars
Jun 23 Mar 24 Jun 24 Growth over
March-24
Amount % of ANBC Amount % of ANBC Amount % of ANBC
1 2 3 4 5 6 7 (8)=[(6)-(4)]
ANBC 173573 166052 174448
Priority Sector Advances (a+b+c) 72383 41.70 77921 46.93 78030 44.73 109
(a) Agriculture (i+ii+iii+iv) 32230 18.57 32254 19.42 31986 18.34 (268)
(i) Non-Corporate Farmers (NCF) 24430 14.07 25956 15.63 26193 15.02 237
(ii) Other Agri 1892 1.09 1711 1.03 1736 1.00 25
(iii) Indirect Agriculture (RIDF) 5907 3.40 4588 2.76 4057 2.33 (531)
(iv) PSLC (Agri) sale - -
(b) MSME (Micro, Medium & Small Enterprises) 21488 12.38 26822 16.15 27478 15.75 656
(c) Other Priority Sector Advances (i+ii+iii) 18665 10.75 18845 11.35 18566 10.64 (279)
(i) Housing 17783 10.25 18026 10.86 17759 10.18 (267)
(ii) Others 882 0.50 819 0.49 807 0.46 (12)
(iii) PSLC (General) sale - - -
Priority Sector
Basis: Sector Wise

Investments
Category Jun-23 Mar-24 Jun-24
HTM 66711 74910 78776
AFS 36699 34802 24554
HFT ( FVTPL – HFT
since April 1, 2024)
4531 5222 14469
FVTPL - Non HFT - - 361
SJA - - 344
Total 107941 114934 118504
Category Jun-23 Mar-24 Jun-24
SLR 81558 85849 89324
Non SLR 30211 33295 32810
Non SLR (Overseas) 300 415 359
Non SLR (SASF) 879 673 673
TOTAL 112948 120232 123166
Less: Provision 5007 5298 4662
Net Investments 107941 114934 118504
(Rs.Crore)
AFS BREAKUP
23341
637 217
359
Government securities
Shares (Equity& Preference)
Debentures/ Bonds
Overseas
2.37 2.22
2.98
3.98 3.95 4.09
Modified Duration of AFS Portfolio
Modified Duration of Entire Portfolio

COVID -19 – Provision Details
(Rs.Crore)
Particulars Jun-23 Mar-24 Jun-24
COVID Provision 116 116 116
COVID Restructuring Provision 300 240 227
Total COVID 19 Provision held 416 356 343
Contingency Provision on Std. Restr. under RF 1, RF 2 and MSME OTR 2268 1862 1705

Asset Quality
PCR improved to 99.34% (Jun 2024) from 98.99% (Jun 2023)
Gross Advances 173435 196894 201368
Gross NPAs 8763 8917 7795
Gross NPAs as % of Gross Advances 5.05 4.53 3.87
Total Provisions held (including NCLT Provision) 8032 8273 7342
Net Advances 165403 188621 194026
Net NPAs 731 644 454
Net NPAs as % of Net Advances 0.44 0.34 0.23
Provision Coverage Ratio as per RBI Guidelines 98.99 99.09 99.34
(Rs.Crore)
Category Gross NPA Provision Net NPA Provision % #
Sub Standard Assets 828 411 418 50%
-of which 100% provided 252 252 - 100%
Doubtful-1 Assets 943 907 36 96%
-of which 100% provided 773 773 - 100%
Doubtful-2 Assets 1278 1278 - 100%
Doubtful-3 Assets 676 676 - 100%
Loss Assets 4070 4070 - 100%
Total 7795 7342 454 94%
# Excluding TWO provision
Technical Write Off Amount
Corporate TWO 57298
Retail TWO 3942
Total TWO 61240
Out of total GNPA of Rs.7795 crore, Rs.7049 crore is 100% provided. TWO and 100% provided GNPA aggregates to Rs.68289 crore

NPA Movement
DESCRIPTION Q1 FY 24 Q4 FY 24 Q1 FY 25 FY24
Opening Balance 10969 8589 8917 10969
Add:
a. First Time NPA 551 1835 456 3363
b. Increase in existing NPA 51 17 203 196
Less:
c. Settled 261 386 1508 1117
d. Up-gradation 405 705 244 1509
e. Written off 2142 433 29 2985
Closing Balance 8763 8917 7795 8917
Increment (2206) 328 (1122) (2052)
FTNPA on Net Basis $ 468 1773 382 3098
Slippage Ratio (Annualized)(%) (FTNPA on Net Basis) $ 1.16 4.07 0.81 1.92
Credit Cost (%) (Annualized) @ 1.63 0.75 -ve 0.51
(Rs.Crore)
$ FTNPA on Net Basis – FTNPA excluding NPA upgraded in same quarter.
@ Credit Cost is negative excluding accelerated provision of Rs.770 crore.

SMA Position
(Rs.Crore)
SMA includes NFB of Rs.41 cr, Rs.2 cr and Rs.33 cr as on Jun 30, 2023, Mar 31, 2024 and Jun 30, 2024 respectively
2247
1317
2221
1487
1027 1127
1091 987
1328
4825
3331
4676
SMA 0 SMA 1 SMA 2
794
27 279
4031
3304
4397
Corporate Retail

Capital Adequacy
CET 1+CCB (Rs.) 29889 35504 36015
AT 1 (Rs.) - - -
Tier 1 Capital (Rs.) 29889 35504 36015
Tier 2 Capital (Rs.) 4000 3793 3833
Total Capital (Rs.) 33889 39297 39848
RWA (Rs.) 166660 176531 177755
Credit Risk 125432 137194 141269
Market Risk 16964 15073 8713
Operational Risk 24264 24264 27773
CET 1+CCB Ratio (%) 17.93 20.11 20.26
AT 1 (%) - - 0.00
Tier 1 Ratio (%) 17.93 20.11 20.26
Tier 2 Ratio (%) 2.40 2.15 2.16
CRAR (%) 20.33 22.26 22.42
Leverage Ratio (%) 7.81 8.53 8.50
(Rs.Crore)
166660
176531 177755
Total RWA
72.32%
69.68% 70.15%
Credit RWA/Gross Advances
Capital adequacy ratio as on March 31, 2024 and Jun 30, 2024 has been calculated considering impact of proposed dividend payout of Rs.1613 crore.
Transition Reserves eligible as CET 1 has not been considered while computing Capital Adequacy Ratios being un audited.
15326
17266
15824
NFB RWA

Shareholding Pattern
Jun 2023 Jun 2024
Particulars Jun-23 Jun-24
Book Value (Rs. per share) Rs. 35.71 Rs.40.66
Market Capitalisation Rs.59,515Cr Rs.90,288 Cr
52 Weeks High/ Low (NSE) (Rs. per share) Rs. 62.00 /Rs. 30.50 Rs.98.70/Rs.55.45
Closing Price (NSE) (Rs. per share) Rs. 55.35 Rs.83.97
Earning Per Share (EPS) (12 months) Rs. 1.14 Rs.1.60
(Rs.Crore)
49.24%
45.48%
0.62% 4.66%
LIC GOI FI/FPI/Banks/MF/Insurance Others
Book Value = Net-worth/ No. of Shares; Net-worth excludes Revaluation Reserve
49.24%
45.48%
0.45% 4.83%
LIC GOI FI/FPI/Banks/MF/Insurance Others

Digital Banking & Financial Inclusion

Digital Footprint
Customer Induced Financial Transaction Analysis
78.07%
4.52%
3.62%
1.71%
1.91%
1.78%
1.78%
4.90% 1.37% 0.34%
84%
3.17%
2.55%
0.92%
1.53%
1.32%
1.53%
3.47% 1.28% 0.23% UPI
ATM Cash withdrawl
Branch Manual Transactions
Debit Card
Branch Initiated Digital Transactions
Internet Banking
NACH
Others
Mobile Banking
AePS
97% customer
induced
transactions routed
through Digital
Channels
96% customer
induced
transactions
routed through
Digital Channels
UPI continues as the preferred mode of transaction for Bank’s customers.
Jun 2023 Jun 2024

Digital Footprint
88%
1%
4% 1%
6% BHIM/UPI Merchants
ATMs
Physical PoS
Bharat QR Merchants
AePS Merchants
Payment Acceptance Channels
Based on Active Users
9.45 8.86
Jun-23 Jun-24
Internet Banking Users (In Lakhs)
63.95
73.36
Jun-23 Jun-24
BHIM UPI Users (In Lakhs)
29.12
36.52
Jun-23 Jun-24
Mobile Banking Users (In Lakhs)
2.89
3.29
Jun-23 Jun-24
Merchant Base (In Lakhs)
59643
77416
Apr-Jun, 2023 Apr-Jun, 2024
UPI Transactional Value (Rs.crore)

Financial Inclusion
PMJDY
Transactions through Individual Business Correspondent (BCs)
15.27
15.45 15.88
18.72 18.76
Jun, 2023 Sep, 2023 Dec, 2023 Mar, 2024 June, 2024
Total PMJDY A/c (lakh)
3.83
4.19 4.01
3.66
3.10
Apr-Jun, 2023 Jul-Sep, 2023 Oct-Dec, 2023 Jan-Mar, 2024 Apr-Jun, 2024
No. of Transactions through BCs (lakh)
131.41 135.19 132.65
120.65
100.73
Apr-Jun, 2023 Jul-Sep, 2023 Oct-Dec, 2023 Jan-Mar, 2024 Apr-Jun, 2024
Amount of Transactions (crore)
505.40 506.11 523.02
592.50 584.23
3309 3275 3294 3164 3113
Jun, 2023 Sep, 2023 Dec, 2023 Mar, 2024 Jun, 2024
PMJDY O/s Balance (cr.) Average Balance (Rs.)

Financial Inclusion
Active Enrolment under Social security Scheme as on Jun 30, 2024
MUDRA Yojana as on Jun 30, 2024
(Rs.crore)
111
1381
3441
61
904
2523
Shishu (No. of A/c - 86553) Kishor (No. of A/c - 55188) Tarun (No. of A/c - 49127)
Sanction Outstanding
4.58 4.72 4.89
5.48 5.62
APY Subscription (in lakh)
8.33 8.58 8.89
10.86
10.18
June, 2023 Sep, 2023 Dec, 2023 Mar, 2024 June, 2024
PMSBY Enrolments (in lakh)
3.07
3.15 3.24
3.81
3.30
PMJJBY Enrolments (in lakh)

Subsidiaries
Name of Company % Holding Line of Activity
Income
Q1 FY 2025
PAT
Q1 FY 2025
RoA
Q1 FY 2025
Net Worth
Q1 FY 2025
IDBI Capital Market & Securities Ltd. 100 Merchant Banking & Retail Broking
28.43
(25.17)
4.05
(1.31)
1.20%
(0.40%)
341.50
(331.41)
IDBI Intech Ltd. 100 Technology Service Provider
37.87
(36.54)
1.97
(2.58)
1.51%
(2.00%)
119.52
(109.63)
IDBI MF Trustee Co. Ltd. 100 Trustees of MF
0.67
(0.08)
0.57
(0.01)
25.41%
(0.35%)
2.21
(1.72)
IDBI Asset Management Ltd. 66.67 Asset Management Co.
4.11
(8.56)
2.63
(3.76)
1.20%
(2.64%)
217.84
(138.25)
IDBI Trusteeship Services Ltd. 54.70 Trusteeship
20.66
(20.18)
10.65
(11.07)
2.80%
(3.17%)
348.09
(316.78)
(Rs.crore)
Figures in () are of previous period

 Tie –up with Fintechs to
scale up sourcing of
business under Personal
Loan & Education Loan.
 Lateral growth in portfolio through
co-lending in the geographical
locations where Bank does not have
reach through its own network.
Credit cost and net
slippages ratio to be below
0.40% and 1.40%
respectively on sustained
basis PCR to be maintained
above 90% level.
GNPA to be gradually
brought down with
recovery target of
Rs.3000 crore. Net NPA
level to be maintained
below 0.50%.
Explore avenues to
achieve business growth
of 12% to 13% and
maintain corporate to
retail ratio at 35:65.
Adding new branches
135 including 23 BC
outlets in FY 25
To maintain cost to income
ratio below 49% by optimizing
its operating expenses and
increasing productivity.
Focus on maximising fee income and
maintaining NIM above 3.50%. Target to
maintain CASA ratio above 48%
Continue to have RoA
and RoE of above 1.50%
and 15% respectively.
CRAR to be maintained
above 18%.
Looking Ahead : Focus Area

Analyst_June_2024 IDBI Bank presentation

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