IDBI

cf-1 6 IDBI Bank Limited ridrTa. (cid:9) : Writ-4134 (cid:9) Ick, Regd. Office : IDBI Tower, oid-Lc)od, oit, Qs, VVTC Complex, Cuffe Parade, CIN: L65190MH2004G01148838 - 400 005. Mumbai - 400 005. (cid:9) : (+91 22) 6655 3355, 2218 9111 TEL.: (+91 22) 6655 3355, 2218 9111 : (+91 22) 2218 0411 FAX : (+91 22) 2218 0411 aaTITZ : www.idbi.com Website : www.idbi.com 03 gt 2021 The Manager (Listing) The Manager (Listing) BSE Ltd., National Stock Exchange of India Ltd., 25th Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, 5th Floor, Dalal Street, Fort, Plot No. C/1, G Block, Mumbai - 400 001 Bandra Kurla Complex, Bandra(E), Mumbai - 400 051 Dear Sir/Madam, Shareholders/ Investors/Analyst Presentation In continuation of Bank's letter dated April 26, 2021 advising the exchange about a conference call with Shareholders/ Investors/ Analysts for Financial Results for Q4 for FY 2020-21 proposed to be held at 5 p.m. on May 03, 2021, please find attached the copy of the Presentation being provided to the Shareholders/ Investors/ Analysts. Kindly take the information on record in terms of SEBI (LODR) Regulations, 2015. ara-azrr, .1-K) arertrar--(cid:9) 2.5 s' Trf'4-a 91 163 68 167 195 91 197 225 165 INVESTORS 255 163 77 PRESENTATION 255 168 0 223 102 23 FINANCIAL RESULTS FY 2020-21 May 03 , 2021 Page 1 Content 91 163 68 167 195 1 Highlights 91 2 Financial Performance 197 225 165 3 Business Performance 255 163 4 Treasury Operations 77 255 5 Asset Quality 168 0 6 Capital 223 102 23 7 Prompt Corrective Action Matrix 8 Digital Banking and Financial Inclusion 9 Subsidiaries 10 Way Forward Page 2 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 Highlights 102 23 Page 3 Major Highlights for FY 2021 – Continued Balance Sheet Strengthening 91 163 68 167 Capital 195 Bank back in black after 5 years, on annual basis RWA - Rs.157471cr 91 CRAR – 15.59% 1% YoY reduction Tier 1 – 13.06% 197 RBI takes IDBI out of PCA framework on March 10, 225 2021, which was imposed in May 2017 165 Bank stands complied with all parameters of PCA 255 163 No restrictions are there now on lending, but Bank PAT Operating Profit 77 would grow its book in calibrated manner Rs.1359 cr Rs.7091 cr 255 168 Raised Equity of Rs.1435 crore through QIP 0 First Capital raise by the Bank from Public after 25 223 years (maiden IPO of Bank in 1995) in 3rd quarter 102 23 NII - Rs.8518 cr RoA – 0.46% Divested 23% stake in IDBI Federal Life Insurance in 3rd NIM – 3.38% RoE – 10.06% quarter Principal Recovery from NPA accounts stood Rs.4518 crore. CASA – 50.45% Net NPA -1.97% Corporate : Retail PCR – 96.90% All Subsidiaries posted profits for FY 2021 38:62 Page 4 Key Metrics for Q4 FY 2021 91 163 68 Profitability - Strong operating momentum 167 195 91  PAT at Rs.512 crore, up by 278% YoY and 35% QoQ 197 225  PBT at Rs.423 crore, up by 46% YoY 165  Operating Profit at Rs.2879 crore, up by 54% YoY and 76% QoQ 255  NII at Rs.3240 crore, grew by 38% YoY and 79% QoQ 163 77  NIM for Q4 FY 21 at 5.14%, improved by 134 bps YoY and 227 bps QoQ 255  Cost to Net Income Ratio at 34.87%, reduced by 1425 bps YoY and 1355 bps QoQ 168 0 223 102 23 Business Performance - Focus on Granularity  CASA ratio at 50.45%, grew by 271bps YoY. CASA at Rs.116491 crore grew by 10% YoY.  Structured Retail Assets grew by 2.74% YoY and 2.76% on QoQ  Retail : Corporate Ratio (Gross Advances) improved to 62:38 from 56:44 as on Mar 2020  Cost of deposit at 3.91% reduced by 91 bps YoY and 27 bps on QoQ. For FY 2021 – 4.29%  Cost of funds at 4.16% reduced by 103 bps YoY and 23 bps on QoQ. For FY 2021 – 4.56% Page 5 Key Metrics for Q4 FY 2021 (contd.) 91 163 68 167 Asset Quality - Improving Trend 195 91  Net NPA at 1.97%, improved by 222 bps YoY 197 225  Net NPA improved by 78 bps against proforma Net NPA of 2.75% (as on Dec 31, 2020) 165  GNPA at 22.37%, improved by 516 bps YoY and by 115 bps QoQ 255 163  GNPA improved by 196 bps against proforma GNPA of 24.33% (as on Dec 31, 2020) 77  PCR stood at 96.90%, improved by 316 bps YoY 255 168  PCR improved by 100 bps against proforma PCR 95.90% (as on Dec 31, 2020) 0 223 102 23 Capital - Adequately Capitalised  Tier 1 Capital at 13.06%, up by 249 bps YoY and 84 bps QoQ  Total CRAR at 15.59%, up by 228 bps YoY and 82 bps QoQ  Total RWA at Rs.157471 Crore, reduction by 80 bps YoY and by 101 bps QoQ Page 6 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 Financial Performance 102 23 Page 7 Profitability 91 163 68 (Rs.Crore) 167 195 91 884 873 197 225 (146) (191) (76) (245) 512 165 278% 255 163 135 +38% -11% -21% -9% +55% -158% 77 PAT Q4 FY20 Net Interest Income Other Income Employee Cost Other Op. Cost Prov. & Contg. Tax PAT Q4 FY21 255 (Excl. Tax) 168 0 223 102 23 1540 155 (155) (129) (2910) (9357) 1359 Loss to Profit (12887) +22% +3% -5% -4% -66% -74% PAT FY20 Net Interest Income Other Income Employee Cost Other Op. Cost Prov. & Contg. Tax PAT FY21 (Excl. Tax) Page 8 Profit & Loss 91 163 68 (Rs.Crore) 167 Quarter ended Variance FY Ended Variance Particulars 195 Mar-20 Dec-20 Mar-21 YoY% QoQ% Mar-20 Mar-21 91 Interest Income 5598 4564 5782 3 27 20825 19932 (4) 197 Interest Expenses 3242 2754 2542 (22) (8) 13847 11414 (18) 225 165 Net Interest Income 2356 1810 3240 38 79 6978 8518 22 255 Other Income 1326 1368 1181 (11) (14) 4470 4625 3 163 77 Net Total Income 3683 3178 4421 20 39 11448 13143 15 255 Operating Expenses 1809 1539 1542 (15) - 6336 6052 (4) 168 0 -Employee Cost 924 796 733 (21) (8) 3245 3090 (5) 223 -Other Operating Cost 885 742 809 (9) 9 3091 2962 (4) 102 23 Operating Profit 1874 1639 2879 54 76 5112 7091 39 OP. Excl. gain on strategic sale 1877 1316 2879 53 119 4778 6657 39 Provisions & Contingencies 1584 796 2457 55 209 14079 4722 (66) (Excl. Tax) Profit/(Loss) Before Tax 290 843 423 46 (50) (8967) 2369 (126) Tax 154 465 (90) (158) (119) 3920 1009 (74) Profit/(Loss) After Tax 135 378 512 278 35 (12887) 1359 - Page 9 Interest Income & Interest Expense 91 163 68 (Rs.Crore) 167 Quarter ended Variance FY Ended ` Variance 195 Mar-20 Dec-20 Mar-21 YoY% QoQ% Mar-20 Mar-21 91 Interest Income 197 225 Interest on Advances 3453 2916 2902 (16) - 13093 11821 (10) 165 Interest on Invest. 1553 1430 1376 (11) (4) 6234 5805 (7) 255 including bal. with RBI & Other Inter Bank Funds 163 77 Other Interest Income 592 218 1503 153 589 1498 2306 54 255 Interest Income 5598 4564 5782 3 27 20825 19932 (4) 168 0 Interest Expense 223 Interest paid on Deposits 2588 2267 2122 (18) (6) 11096 9255 (17) 102 23 Interest paid on Borrowings 525 377 340 (35) (10) 2258 1605 (29) Interest on RBI / inter bank borrowings 129 111 80 (38) (28) 493 554 12 Total Interest Expenses 3242 2754 2542 (22) (8) 13847 11414 (18) Net Interest Income 2356 1810 3240 38 79 6978 8518 22 NIM % 3.80 2.87 5.14 134 bps 227 bps 2.61 3.38 77 bps Page 10 Provisions & Contingencies 91 163 68 (Rs.Crore) 167 Quarter ended Variance FY Ended 195 Particulars Variance 91 Mar-20 Dec-20 Mar-21 YoY QoQ Mar-20 Mar-21 197 225 Depreciation on Investment 20 (105) 972 952 1077 1697 2078 381 165 Provision – NPAs (1511) 49 (1120) 391 (1168) 9483 (2571) (12054) 255 163 77 Provision – Standard Assets 342 624 708 366 84 (728) 1839 2567 255 168 Provision - Restructured Assets 27 36 9 (19) (27) (177) 38 215 0 223 Income Tax 154 465 (90) (244) (555) 3920 1009 (2911) 102 23 Bad Debts Written off 2166 208 1376 (790) 1168 2740 2888 148 Other Provisions 540 (16) 513 (28) 528 1064 449 (615) Total 1738 1261 2367 629 1106 17999 5731 (12268) Page 11 Yield Ratios (cumulative) 91 163 68 Yield on Advances NIM 167 195 91 197 225 3.38% 165 2.81% 2.79% 9.56% 9.56% 255 163 2.76% 9.54% 9.53% 2.61% 77 9.49% 255 168 0 FY 20 June 20 Sep 20 Dec 20 FY 21 FY 20 June 20 Sep 20 Dec 20 FY 21 223 102 Cost To Net Income 23 55.35% 53.60% 52.25% 51.71% 46.05% FY 20 June 20 Sep 20 Dec 20 FY 21 Page 12 Yield Ratios (cumulative) 91 163 68 Cost of Deposits 167 195 91 5.08% 197 225 165 4.65% 255 4.53% 4.41% 163 4.29% 77 255 168 FY 20 June 20 Sep 20 Dec 20 FY 21 0 223 Cost of Funds 102 23 5.44% 4.96% 4.84% 4.69% 4.56% FY 20 June 20 Sep 20 Dec 20 FY 21 Page 13 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 Business Performance 102 23 Page 14 Balance Sheet 91 163 68 (Rs.Crore) 167 As at Mar-20 Dec-20 Mar-21 195 91 LIABILITIES 197 Capital 10381 10752 10752 225 Reserve & Surplus 23644 25545 26059 165 Deposits 222424 224399 230898 255 163 Borrowings 36749 30647 15908 77 Other Liabilities & Provisions 6730 11331 14147 255 Total 299928 302674 297764 168 0 ASSETS 223 Cash & Balance with RBI 10539 9066 13013 102 23 Bal. with banks & money at call 19892 34777 22209 Investments 81780 82783 81023 Advances 129842 124465 128150 Fixed Assets 8129 7894 7827 Other Assets 49746 43689 45542 299928 302674 297764 Total Page 15 Business Performance 91 163 68 Total Deposit CASA 167 195 4% YoY CASA Deposits 91 50.45% 230898 CASA Share 197 3% QoQ 48.97% 225 165 224399 47.74% 116491 255 163 222424 109880 77 106188 255 168 Mar-20 Dec-20 Mar-21 Mar-20 Dec-20 Mar-21 0 Deposit Mix Deposit Mix 223 102 23 Current Deposits to Total Deposits % 17.58% 7% QoQ 28774 26821 32% YoY 18.22% 17.35% SB Deposits to Total Deposits % 39243 87586 2% QoQ 85746 14% YoY 76993 29.52% 31.62% 32.87% Bulk Deposits to Total Deposits % 4% QoQ 40530 38927 40601 0.17% YoY 17.64% 12.82% 11.62% Time Deposits to Total Deposits % 7%QoQ 65658 70952 75891 16% YoY 52.26% 49.55% 51.03% Mar-20 Dec-20 Mar-21 Mar-20 Dec-20 Mar-21 Saving Deposits Current Deposits Retail Deposits Bulk Deposits Page 16 91 Business Performance 163 68 Saving Deposits Retail Deposits 167 195 16% YoY 14% YoY 91 7% QoQ 2% QoQ 197 225 165 75891 87586 85746 70952 255 163 65658 76993 77 255 Mar-20 Dec-20 Mar-21 Mar-20 Dec-20 Mar-21 168 0 223 Current Deposits Bulk Deposits 102 23 0.17% YoY 32% YoY 4% QoQ 7% QoQ 40530 40601 39243 28774 26821 38927 Mar-20 Dec-20 Mar-21 Mar-20 Dec-20 Mar-21 Page 17 Business Performance and Advances 91 163 68 Retail Advances Agri Advances MSME Advances Corporate Housing Loan Loan Against Property Auto Loan Education Loan Personal Loan 167 195 561 606 582 91 1013 1073 1058 1868 44% 40% 38% 1954 1869 197 12789 12712 12818 225 8% 8% 165 7% 10% 12% 12% 255 42794 42795 44525 163 39% 40% 42% 77 255 Mar-20 Dec-20 Mar-21 Mar-20 Dec-20 Mar-21 168 0 Gross Advances as on Mar 2021 223 102 - Corporate - Retail -Overseas Advances -Domestic Advances 23 27040 Agriculture Industry 96% 38% 62126 Services 52047 4% Personal Loans 62% Others 17799 2889 Page 18 Priority Sector 91 163 68 (Rs.Crore) 167 Mar 20 Dec 20 Mar 21 Growth over 195 Particulars March-20 Amount % of ANBC Amount % of ANBC Amount % of ANBC 91 1 2 3 4 5 6 7 (8)=[(6)-(2)] 197 ANBC 186090 164885 169317 225 165 Priority Sector Advances (a+b+c) 77586 41.69 69525 42.17 69334 40.95 (8252) 255 (a) Agriculture (i+ii+iii+iv) 30912 16.61 29964 18.17 29467 17.40 (1445) 163 77 (i) Direct Lending to Agri-Non Corporate 25618 13.77 21400 12.98 21891 12.93 (3727) 255 (ii) Other Agri 923 0.50 2288 1.39 2051 1.21 1128 168 0 (iii) Indirect Agriculture (RIDF) 15346 8.25 11676 7.08 10725 6.33 (4621) 223 102 (iv) PSLC (Agri) sale (10975) (5400) (5200) 5775 23 (b) MSME (Micro, Medium & Small Enterprises) 29959 16.10 27630 16.76 27476 16.23 (2483) (c) Other Priority Sector Advances (i+ii+iii) 16715 8.98 11931 7.24 12391 7.32 (4324) (i) Housing 24075 12.94 24130 14.63 24626 14.54 551 (ii) Others 901 0.48 901 0.55 865 0.51 (36) (iii) PSLC (General) sale (8262) (13100) (13100) (4838) Page 19 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 Treasury Operations 102 23 Page 20 Investments 91 163 68 (Rs.Crore) AFS BREAKUP 167 195 Category Mar-20 Dec-20 Mar-21 91 2400 HTM 57059 55519 57172 1227 197 843 AFS 24607 26736 23151 225 165 HFT 114 528 700 255 Total 81780 82783 81023 163 77 18681 255 Government securities 168 Shares (Equity& Preference) 0 Debentures/ Bonds Modified Duration of AFS Portfolio CPs/CDs/MF/VCF/PTC'S,Security Receipts,etc Modified Duration of Entire Portfolio 223 102 23 Category Mar-20 Dec-20 Mar-21 SLR 61885 63549 61692 Non SLR 19127 19850 20875 5.50 4.82 Non SLR (Overseas) 841 30 184 4.61 Non SLR (SASF) 2842 2842 2752 TOTAL 84695 86271 85503 1.93 1.44 1.05 Less: Provision 2915 3488 4480 Net Investments 81780 82783 81023 Mar-20 Dec-20 Mar-21 Page 21 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 Asset Quality 102 23 Page 22 COVID -19 – Provision Details 91 163 68 (Rs.Crore) 167 195 91 Particulars Mar-21 197 In QE ended March 2020 247 225 165 In QE ended June 2020 116 255 163 77 COVID Second Wave 500 255 168 Total COVID 19 Provision held 863 0 223 102 23 Page 23 Asset Quality 91 163 68 PCR improved from 93.74% (Mar 2020) to 96.90% ( Mar 2021) (Rs.Crore) 167 195 Particulars Mar-20 Jun-20 Sep-20 Dec-20 @ Mar-21 91 Gross Advances 171690 165890 163841 159663 161901 Gross NPAs 47272 44475 41091 37559 36212 197 225 Gross NPAs as % of Gross Advances 27.53 26.81 25.08 23.52 22.37 165 Total Provisions held (including NCLT Provision) 41833 40001 37728 35148 33693 255 Net Advances 129842 125875 126103 124465 128150 163 77 Net NPAs 5439 4474 3363 2411 2519 Net NPAs as % of Net Advances 4.19 3.55 2.67 1.94 1.97 255 168 Provision Coverage Ratio as per RBI Guidelines 93.74 94.71 95.96 97.08 96.90 0 Category Gross NPA Provision Net NPA Provision % # Accelerated Provision – FY 2021 223 Sub Standard Assets 1445 335 1110 23% 102 -of which 100% provided 100 100 - 100% Q 1 114 23 Doubtful-1 Assets 2652 1875 777 71% Q 2 436 -of which 100% provided 1349 1350 - 100% Doubtful-2 Assets 10048 9416 632 94% Q3 546 -of which 100% provided 8907 8907 - 100% Q4 908 Doubtful-3 Assets 8883 8883 - 100% Loss Assets 13184 13184 - 100% Total FY 2021 2004 Total 36212 33693 2519 93% # Excluding TWO provision Out of total GNPA of Rs.36212 crore, Rs.32423 crore is 100% provided. Overall 73% GNPA (excluding DA3 and loss) is 100% provided. TWO and 100% provided GNPA aggregates to Rs.76201 crore @ With Proforma Slippages of Rs.1294 cr – GNPA Rs.38853 cr (24.33%), Net NPA Rs.3420 cr (2.75%) and PCR 95.90% Page 24 NPA Movement 91 163 68 (Rs.Crore) DESCRIPTION Q4 FY 20 FY 20 Q1 FY 21 Q2 FY 21 Q3 FY 21 Q4 FY 21 FY 21 167 195 Opening Balance 49503 50028 47272 44475 41091 37559 47272 91 Add: a. First Time NPA 727 8384 69 32 - #2281 2382 197 225 b. Increase in existing NPA 531 2638 62 79 35 74 250 165 Less: 255 c. Settled 1457 6556 1288 1261 736 1233 4518 163 d. Up-gradation 328 1286 44 28 22 689 782 77 e. Written off 1702 5936 1596 2206 2809 1780 8392 255 Closing Balance 47272 47272 44475 41091 37559 36212 36212 168 0 Increment (2231) (2756) (2797) (3385) (3532) (1347) (11060) Recovery in TWO 344 826 117 57 105 269 547 223 102 Slippage Ratio Cumulative (%) 6.35 6.35 0.06 0.08 0.08 1.91 1.91 23 Slippage Ratio For the Qtr./ for FY (%) 0.59 6.35 0.06 0.03 - 1.87 1.91 Credit Cost (%) (for Quarter) 0.60 - @-ve 0.27 0.57 0.60 - Credit Cost excluding accelerated provision (%)(for Quarter) 0.35 - @-ve 0.01 0.23 0.04 - Credit Cost (%) (Quarterly Annualized) 2.39 6.59 @-ve 1.10 2.30 2.40 1.36 Credit Cost excluding accelerated provision (%)(Quarterly Annualized) 1.38 1.33 @-ve 0.03 0.93 0.16 0.12 FTNPA/(Recovery + Upgradation) (%) 34 97 5 2 - 104 41 # Hon’ble SC vide its judgment dated Mar 23, 2021, vacated interim relief granted earlier not to declare the accounts as NPA. Accordingly Bank has followed the asset classification of borrower accounts as per the extant RBI instructions/ IRAC norms. Proforma Slippages upto Dec 31, 2020 were Rs.1294 crore. @ Negative due to reversal in NPA provision on account of recovery and upgradation Page 25 NCLT – Summary 91 163 68 (Rs.Crore) NCLT Admitted PCR % DA 3 and Loss DA 2, DA 1 & SSA TWO 167 44652 195 100% 100% 91 197 28789 27,031 99.98% 225 165 99.96% 255 5370 163 9,415 8,206 10493 77 255 RBI List 1 RBI List 2 Others Total RBI List 1 RBI List 2 Others Total Asset Class of NCLT Cases 168 0 223 Filed But Not Admitted PCR% Filed By 102 23 16940 16940 100% 15103 73% 69% 8820 4835 1837 3285 RBI List 2 Others Total RBI List 2 Others Total IDBI OC & CD FC Total OC – Operational Creditors; CD – Corporate Debtors; FC – Financial Creditors Page 26 SMA Position 91 163 68 (Rs.Crore) SMA 0 SMA 1 SMA 2 167 8441 7860 195 91 6742 6385 5971 197 5326 225 165 3715 3191 3033 3084 2956 2555 2348 2298 2466 255 1535 1709 1542 1621 163 1229 1012 922 77 530 493 255 Feb-20 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 168 0 223 Corporate Retail 102 23 5735 5826 4038 5413 5146 2317 2706 1933 2034 1329 1239 767 Feb-20 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 SMA includes NFB of Rs.933 cr, Rs.583 cr, Rs.38 cr, Rs.262 cr, Rs.342 cr and Rs.472 cr as on Feb 29, 2020, Mar 31, 2020 , June 30, 2020, Sep 30, 2020 , Dec 31, 2020 and Mar 31, 2021 respectively Page 27 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 Capital 102 23 Page 28 Capital Adequacy 91 163 68 (Rs.Crore) Particulars Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 167 195 CET 1+CCB (Rs.) 16736 17051 17403 19444 20572 91 AT 1 (Rs.) 49 - - - - Tier 1 Capital (Rs.) 16785 17051 17403 19444 20572 197 Tier 2 Capital (Rs.) 4344 4470 4106 4051 3981 225 165 Total Capital (Rs.) 21128 21521 21509 23495 24553 RWA (Rs.) 158746 160994 157323 159078 157471 255 Credit Risk 130480 129954 128088 127920 128419 163 77 Market Risk 11580 13318 11513 13436 11330 Operational Risk 16686 17722 17722 17722 17722 255 168 CET 1+CCB Ratio (%) 10.54 10.59 11.06 12.22 13.06 0 AT 1 (%) 0.03 - - - - Tier 1 Ratio (%) 10.57 10.59 11.06 12.22 13.06 223 102 Tier 2 Ratio (%) 2.74 2.78 2.61 2.55 2.53 23 CRAR (%) 13.31 13.37 13.67 14.77 15.59 Bank created Investment Fluctuation Reserve (IFR) (in terms of RBI circular dated April 2, 2018) – Rs.545 crore in FY 2021 by way of appropriation to P&L. IFR has been included in Tier-2 capital which otherwise is a part of profit and would have been taken to CET-1 capital and same would have been high to that extent Total RWA NFB RWA Credit RWA/Gross Advances 23553 160994 80.12% 22219 79.32% 158746 159078 78.34% 78.18% 20834 157323 157471 20501 20213 76.00% Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Page 29 Shareholding Pattern 91 163 68 (Rs.Crore) Mar 2020 Mar 2021 167 195 91 0.17% 1.72% 1.65% 3.63% 197 225 165 47.11% 45.48% 255 163 77 51.00% 49.24% 255 168 0 223 102 LIC GOI FI/FPI/Banks/MF/Insurance Others LIC GOI FI/FPI/Banks/MF/Insurance Others 23 Particulars Mar-20 Mar-21 Book Value (Rs. per share) Rs.26.51 Rs.28.39 Market Capitalisation Rs.20,035 Cr Rs.41,451 Cr 52 Weeks High/ Low (NSE) (Rs. per share) Rs.47.45/ Rs.17.25 Rs.55.75/ Rs.18.60 Closing Price (NSE) (Rs. per share) Rs.19.30 Rs.38.55 Earning Per Share (EPS) (12 months) -ve Rs.1.30 Page 30 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 Prompt Corrective Action 102 23 Page 31 Compliance with Prompt Corrective Action (PCA) Matrix 91 163 68 RBI takes IDBI out of PCA framework on March 10, 2021, which was imposed in May 2017 167 195 Bank stands complied with all parameters of PCA framework 91 197 Risk IDBI-Actual 225 Criteria Indicator 165 Threshold 1 (T1) Threshold 2 (T2) Threshold 3 (T3) Mar-18 Mar-19 Mar-20 Mar-21 Status 255 163 77 CRAR+CCB Complied <11.5% but >=9% <9% but >7.5% <7.5% 10.41% 11.58% 13.31% 15.59% Capital (9%+2.5%) With 255 (Breach of 168 either CRAR or 0 CET1 Ratio to CET 1+CCB >=4.875% but Complied trigger PCA) >=6.375% but <8% <4.875% 7.42% 8.91% 10.54% 13.06% (5.5+2.5)=8% <6.375% With 223 102 23 Complied Asset Quality NNPA Ratio >=6% but <9% >=9% but <12% >=12% 16.69% 10.11% 4.19% 1.97% With Complied ROA (should -ve ROA for 2 -ve ROA for 3 -ve ROA for 4 Profitability -ve ROA -ve ROA -ve ROA 0.46% With be positive) consecutive yrs consecutive yrs consecutive yrs Leverage Leverage Ratio <=4.0 but >=3.5 <3.5 4.25% 4.61% 4.97% 6.08% Complied With Page 32 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 Digital Banking & Financial Inclusion 102 23 Page 33 Branches and Offices as on Mar 31, 2021 91 163 68 167 195 91 197 225 165 Rural 255 76 163 426 Semi Urban 464 77 Urban 2 255 168 Metro 0 210 61 DIFC & GIFT City 223 102 23 RAC/RAO 585 38 409 Regional Offices 12 12 CPC 11 CPU/CCU/CMS/RPU Zonal Office ZTC / Head Training Center Page 34 Digital Footprint 91 163 68 Customer Induced Financial Transaction Analysis 167 195 91 UPI 197 FY 2019-20 FY 2020-21 225 ATM Cash withdrawl 165 2.19% Branch Manual Transactions 1.10% 255 0.50% 3.73% Debit Card 1.92% 4.03% 163 Branch Initiated Digital Transactions 4.84% 77 7.84% Internet Banking 5.81% 30.56% 255 NACH 7.01% 91% customer 168 87% customer induced Mobile Banking 0 induced 8.36% transaction routed transaction AePS routed through 223 through Digital 52.06% 102 13.65% Channel including Digital Channel 23 ATM 9.32% including ATM 13.47% 20.75% 12.86% Due to covid-19 outbreak, the volume of transactions of Debit Cards, Internet Banking, POS Terminals and ATMs have come down and UPI has emerged as the preferred mode of transaction for Bank’s customers. Page 35 Digital Footprint for Q4 FY 2021 91 163 68 167 Internet Banking Users (In Lakhs) BHIM UPI User (In Lakhs) Mobile Banking Users(In Lakhs) 195 91 197 225 165 121.54 40.80 35.13 29.67 255 163 112.46 30.40 77 255 Mar-20 Mar-21 Mar-20 Mar-21 Mar-20 Mar-21 168 0 223 102 23 Debit Cards (In Lakhs) Merchant Base (in lakhs) Processed 5.24 crore transactions at Ecom/ POS in the FY 2021 1.96X YoY growth in the UPI transactions 132.40 2.22 Processed 32.62 crore transactions in 1.64 the FY 2021 126.41 1.01X YoY growth in Mobile banking transactions Mar-20 Mar-21 Mar-20 Mar-21 Page 36 Digital Footprint 91 163 68 167 195 Payment Acceptance Channels (as on Mar 31, 2021) 91 197 225 157599 165 255 163 77 255 168 0 223 102 23 31980 29154 3388 3221 ATMs/CRMs Physical PoS Bharat QR Merchants BHIM / UPI Merchants AePS Merchants Page 37 Digital Footprint – Go Mobile+ and WhatsApp Banking 91 163 68 NEW FUNCTIONALITIES/ SERVICES 167 IDBI Bank has launched Virtual Debit Card in Mobile Banking Application as an additional feature. The features of Virtual Debit 195 Card are as under:- 91 Instant Virtual Debit Card creation 197 Choice of Visa/Master/Rupay Debit Card 225 Highly secure for online transactions 165 Card validity of customer’s choice 255 Manage & control of Virtual debit card facility through IDBI Bank Abhay App/Go Mobile+ App. 163 77 Bank’s Mobile APP Go Mobile+ is now available in 11 regional languages along with Hindi and English in Android & iOS platform. Market place has been made available under “ Deals n Delight”. Transaction progress indicator, biometric login and credit & 255 debit card control have been implemented in mobile banking application. 168 0 Bank has implemented IP whitelisting and restricted internet banking login access on regional holidays in internet banking application to strengthen the controls of payment ecosystem with SCB/UCBs. 223 102 23 ESSENTIAL BANKING SERVICES ON WHATSAPP BANKING 24*7 Account Balance Mini Statement Branch/ATM locator Interest rates Order Cheque book Request Email Statement and many more to come. Page 38 Financial Inclusion 91 163 68 PMJDY ACCOUNTS 167 195 91 Total PMJDY A/c (lakh) Aadhar Seeding under PMJDY 6.55 (Lakhs) 8.48 197 225 RuPaycards issued (Lakhs) 7.07 8.46 165 8.45 255 8.44 Sub Service Areas (Number) 490 163 8.43 77 Villages Covered (Number) 488 255 168 0 Transactions through Individual Business Correspondent (BCs) Mar, 2020 Jun, 2020 Sep, 2020 Dec, 2020 Mar, 2021 223 102 3890 3729 3701 3750 No. of Transactions through BCs (lakh) Amount of Transactions (crore) 23 3346 76.59 329.82 2.01 2.01 66.43 314.84 313.70 317.55 1.78 60.82 57.91 282.08 1.64 Mar, 2020 Jun, 2020 Sep, 2020 Dec, 2020 Mar, 2021 Apr-Jun, Jun-Sep, Oct-Dec, Jan-Mar, Apr-Jun, Jun-Sep, Oct-Dec, Jan-Mar, PMJDY O/s Balance (cr.) Average Balance (Rs.) 2020 2020 2020 2021 2020 2020 2020 2021 Page 39 Financial Inclusion 91 163 68 MUDRA Yojana as on Mar 31, 2021 167 195 Sanction Outstanding (Rs.crore) 91 1990 197 225 1465 1505 165 871 255 163 77 185 90 255 168 Shishu (No. of A/c - 80674) Kishor (No. of A/c - 77876) Tarun (No. of A/c - 38294) 0 223 Enrolment under Social security Scheme as on Mar 31, 2021 102 23 APY Subscription (in lakh) PMSBY Enrolments (in lakh) PMJJBY Enrolments (in lakh) 3.29 3.01 14.24 6.91 2.81 2.54 14.08 6.82 2.33 13.72 6.65 13.65 13.66 6.61 6.59 Mar, 2020 Jun, 2020 Sep, 2020 Dec, 2020 Mar, 2021 Mar, 2020 Jun, 2020 Sep, 2020 Dec, 2020 Mar, 2021 Mar, 2020 Jun, 2020 Sep, 2020 Dec, 2020 Mar, 2021 Page 40 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 Subsidiaries 102 23 Page 41 Subsidiaries 91 163 68 167 All Subsidiaries posted profit in FY 2021 195 (Rs.crore) 91 Income PAT RoA Net Worth Name of Company % Holding Line of Activity FY 2021 FY 2021 FY 2021 FY 2021 197 225 93.79 7.51 2.84% 312.76 165 IDBI Capital Market & Securities Ltd 100 Merchant Banking & Retail Broking (71.77) (-9.67) (-3.47%) (305.25) 255 163 115.08 12.07 12.13% 90.06 IDBI Intech Ltd 100 Technology Service Provider 77 (99.09) (9.07) (12.31%) (63.04) 255 0.36 0.03 2.13% 1.61 168 IDBI MF Trustee Co. Ltd. 100 Trustees of MF 0 (0.58) (0.10) (6.34%) (1.57) 223 31.98 4.53 3.89% 112.98 102 IDBI Asset Management Ltd 66.67 Asset Management Co. (36.08) (0.75) (0.66%) (108.56) 23 73.77 40.09 15.65% 249.41 IDBI Trusteeship Services Ltd 54.70 Trusteeship (65.29) (35.18) (15.37%) (224.40) Figures in () are of previous period Page 42 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 Way Forward 102 23 Page 43 Looking Ahead : Focus Area 91 163 68 167 Improvement in operating profit, majorly 195 driven by increase in non interest 91 income. Maintaining NIM in line with industry 197 Benchmark >3%. 225 165 Credit cost and slippages ratio to be below 255 1.5% and 2% respectively on sustained 163 basis. PCR to be maintained above 90% Improving NII with credit growth driven from 77 level. lending to mid corporate and MSME sector with its 255 continued focus on retail segment mainly housing 168 loan segment. 0 Achieve RoA of ~1% by FY 2024. Achieve RoE between ~12% for FY 2022. Bring Cost to Income ratio 223 102 below 50% by March 31, 2022 and gradual Maintaining adequate capital for growth and 23 improvement thereafter. regulatory capital at all times with CRAR above 13% and CET above 11% on sustained basis GNPA to be gradually brought down with focus on recovery efforts. Net NPA level to be maintained below Bank is now out of PCA framework, will ensure 3% till March 2022 and 2.5% thereafter. compliance all PCA parameters on an continuous basis Page 44 91 163 68 167 195 91 197 225 165 255 163 77 255 168 0 223 102 23 Page 45