IDBI Bank

IDBI Bank's npls (as % of loans) fell 1.75% to 27.5% in 2018

By Helgi Analytics - November 2, 2019

IDBI Bank's non-performing loans reached 27.5% of total loans at the end of 2018, down from 28.0% compared to the previous year. ...

IDBI Bank's net interest margin rose 11.2% to 1.77% in 2018

By Helgi Analytics - November 2, 2019

IDBI Bank's net interest margin amounted to 1.77% in 2018, up from 1.59% compared to the previous year. Historically, the ...

IDBI Bank's net interest income rose 4.75% to INR 59.4 bil in 2018

By Helgi Analytics - November 2, 2019

IDBI Bank generated total banking revenues of INR 95.5 bil in 2018, down 23% compared to the previous year. Historically,...

Profit Statement 2016 2017 2018
Net Interest Income INR bil 57.9 56.7 59.4
Net Fee Income INR bil 23.7 22.4 21.3
Other Income INR bil 18.4 44.9 14.8
Total Revenues INR bil 99.9 124 95.5
Operating Profit INR bil 47.6 75.1 42.9
Provisions INR bil 98.2 162 192
Net Profit INR bil -50.2 -81.3 -150
Balance Sheet 2016 2017 2018
Interbank Loans INR bil 194 206 85.7
Customer Loans INR bil 1,908 1,717 1,468
Debt Securities INR bil 930 918 933
Total Assets INR bil 3,624 3,509 3,211
Shareholders' Equity INR bil 233 220 384
Interbank Borrowing INR bil 14.3 15.6 16.8
Customer Deposits INR bil 2,682 2,478 2,272
Issued Debt Securities INR bil 564 632 453
Ratios 2016 2017 2018
ROE % -19.5 -35.9 -49.6
ROA % -1.36 -2.28 -4.46
Costs (As % Of Assets) % 1.42 1.37 1.56
Costs (As % Of Income) % 52.4 39.4 55.1
Capital Adequacy Ratio % ... ... ...
Net Interest Margin % 1.57 1.59 1.77
Loans (As % Of Deposits) % 71.1 69.3 64.6
NPLs (As % Of Loans) % 21.3 28.0 27.5
Provisions (As % Of NPLs) % 43.5 48.4 70.3
Valuation 2016 2017 2018
Market Capitalisation (End Of Period) USD mil 2,275 3,495 5,171
Share Price (End Of Period) INR 75.1 93.1 72.8
Price/Earnings (P/E) ... ... ...
Price/Book Value (P/BV) 0.663 1.01 0.939
Dividend Yield % 0 0 0
Earnings Per Share (EPS) INR -24.4 -34.0 -30.2
Book Value Per Share INR 113 92.0 77.5
Dividend Per Share INR 0 0 0

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summary Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                    
Net Interest Income INR bil                       54.0 60.5 57.8 61.3 57.9    
Total Revenues INR bil                       87.4 91.6 99.7 96.5 99.9    
Operating Profit INR bil                       55.2 58.1 59.2 54.8 47.6    
Net Profit INR bil                       18.9 11.5 9.42 -35.9 -50.2    
balance sheet                                    
Interbank Loans INR bil                       74.1 41.3 14.9 94.8 194    
Customer Loans INR bil                       1,963 1,977 2,084 2,159 1,908    
Debt Securities INR bil                       984 1,034 973 928 930    
Total Assets INR bil                       3,227 3,290 3,560 3,753 3,624    
Shareholders' Equity INR bil                       212 237 244 281 233    
Interbank Borrowing INR bil                   ...   9.11 16.3 14.5 9.90 14.3    
Customer Deposits INR bil                       2,269 2,356 2,595 2,651 2,682    
Issued Debt Securities INR bil                       658 601 618 706 564    
ratios                                    
ROE %                       9.29 5.13 3.92 -13.7 -19.5    
ROA %                       0.616 0.354 0.275 -0.982 -1.36    
Costs (As % Of Assets) %                       1.05 1.03 1.18 1.14 1.42    
Costs (As % Of Income) %                       36.8 36.6 40.6 43.2 52.4    
Capital Adequacy Ratio %                       13.2 11.8 ... ... ... ... ...
Net Interest Margin %                       1.76 1.86 1.69 1.68 1.57    
Interest Income (As % Of Revenues) %                       61.8 66.0 58.0 63.5 57.9    
Fee Income (As % Of Revenues) %                       20.6 21.0 20.7 22.2 23.7    
Equity (As % Of Assets) %                       6.58 7.20 6.86 7.49 6.44    
Loans (As % Of Deposits) %                       86.5 83.9 80.3 81.4 71.1    
Loans (As % Assets) %                       60.8 60.1 58.5 57.5 52.7    
NPLs (As % Of Loans) %                       3.23 4.91 5.90 11.0 21.3    
Provisions (As % Of NPLs) % ... ... ... ... ...             50.4 49.9 52.3 40.8 43.5    
valuation                                    
Market Capitalisation (End Of Period) USD mil                       1,952 1,695 1,806 2,154 2,275    
Number Of Shares (Average) mil                       1,281 1,401 1,604 1,683 2,059    
Share Price (End Of Period) INR                       83.5 74.8 71.0 84.9 75.1    
Earnings Per Share (EPS) INR                       14.8 8.22 5.87 -21.3 -24.4    
Book Value Per Share INR                       166 169 152 167 113    
Dividend Per Share INR                       3.64 1.14 0.750 0 0    
Price/Earnings (P/E)                       5.66 9.09 12.1 ... ... ... ...
Price/Book Value (P/BV)                       0.504 0.442 0.466 0.508 0.663    
Dividend Yield %                       4.36 1.53 1.06 0 0    
Earnings Per Share Growth % ...                     -27.3 -44.3 -28.6 -463 14.2    
Book Value Per Share Growth % ...                     -15.7 1.88 -9.88 9.69 -32.2    
income statement Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
income statement                                    
Interest Income INR bil                       251 266 282 281 278    
Interest Cost INR bil                       197 206 224 219 220    
Net Interest Income INR bil                       54.0 60.5 57.8 61.3 57.9    
Net Fee Income INR bil                       18.0 19.3 20.6 21.4 23.7    
Other Income INR bil                       15.3 11.9 21.3 13.8 18.4    
Total Revenues INR bil                       87.4 91.6 99.7 96.5 99.9    
Operating Cost INR bil                       32.1 33.5 40.5 41.7 52.3    
Operating Profit INR bil                       55.2 58.1 59.2 54.8 47.6    
Provisions INR bil                       36.2 39.6 44.6 90.6 98.2    
Extra and Other Cost INR bil                       0.005 0.361 0.538 -0.137 -0.634    
Pre-Tax Profit INR bil                       19.1 18.2 14.0 -35.7 -50.0    
Tax INR bil                       0 6.53 4.44 0 0    
Minorities INR bil                       0.129 0.145 0.155 0.173 0.190    
Net Profit INR bil                       18.9 11.5 9.42 -35.9 -50.2    
Dividends INR bil                       4.66 1.60 1.20 0 0    
growth rates                                    
Net Interest Income Growth % ...                     18.2 12.0 -4.51 6.06 -5.57    
Net Fee Income Growth % ...                     14.5 7.08 6.97 3.85 10.7    
Total Revenue Growth % ...                     29.0 4.90 8.75 -3.22 3.61    
Operating Cost Growth % ...                     20.4 4.41 20.8 2.93 25.5    
Operating Profit Growth % ...                     34.6 5.18 1.81 -7.43 -13.1    
Pre-Tax Profit Growth % ...                     -5.31 -4.57 -23.0 -355 39.8    
Net Profit Growth % ...                     -5.67 -39.0 -18.2 -481 39.7    
market share                                    
Market Share in Revenues % ... ... ... ... ... ... ... ... ... ...   3.70 3.40 3.28 2.86 2.48   ...
Market Share in Net Profit % ... ... ... ... ... ... ... ... ... ...   3.19 2.14 1.73 ... ... ... ...
balance sheet Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
balance sheet                                    
Cash INR bil                       105 127 132 138 133    
Interbank Loans INR bil                       74.1 41.3 14.9 94.8 194    
Customer Loans INR bil                       1,963 1,977 2,084 2,159 1,908    
Debt Securities INR bil                       984 1,034 973 928 930    
Fixed Assets INR bil                       29.5 30.0 30.8 75.2 74.3    
Total Assets INR bil                       3,227 3,290 3,560 3,753 3,624    
Shareholders' Equity INR bil                       212 237 244 281 233    
Of Which Minority Interest INR bil                       0.364 0.436 0.512 0.615 0.706    
Liabilities INR bil                       3,014 3,053 3,316 3,472 3,390    
Interbank Borrowing INR bil                   ...   9.11 16.3 14.5 9.90 14.3    
Customer Deposits INR bil                       2,269 2,356 2,595 2,651 2,682    
Sight Deposits INR bil ... ... ... ...               332 250 303 288 340    
Term Deposits INR bil ... ... ... ...               1,937 2,106 2,292 2,363 2,342    
Issued Debt Securities INR bil                       658 601 618 706 564    
Other Liabilities INR bil                   ...   78.2 79.3 88.2 105 130    
asset quality                                    
Non-Performing Loans INR bil                       64.5 99.6 127 249 448    
Gross Loans INR bil                       1,996 2,027 2,150 2,260 2,103    
Total Provisions INR bil ... ... ... ... ...             32.5 49.7 66.3 101 195    
growth rates                                    
Customer Loan Growth % ...                     8.36 0.703 5.41 3.61 -11.6    
Total Asset Growth % ...                     11.0 1.95 8.24 5.40 -3.44    
Shareholders' Equity Growth % ...                     9.36 11.5 3.17 15.1 -17.0    
Customer Deposit Growth % ...                     7.92 3.83 10.2 2.14 1.18    
market share                                    
Market Share in Customer Loans % ... ... ...                 3.55 3.08 2.94 2.71 2.31   ...
Market Share in Total Assets %                       3.72 3.25 3.20 2.97 2.55   ...
Market Share in Customer Deposits %                       3.61 3.27 3.18 2.90 2.52   ...
ratios Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
ratios                                    
ROE %                       9.29 5.13 3.92 -13.7 -19.5    
ROA %                       0.616 0.354 0.275 -0.982 -1.36    
Costs (As % Of Assets) %                       1.05 1.03 1.18 1.14 1.42    
Costs (As % Of Income) %                       36.8 36.6 40.6 43.2 52.4    
Capital Adequacy Ratio %                       13.2 11.8 ... ... ... ... ...
Tier 1 Ratio %                       7.75 7.86 ... ... ... ... ...
Net Interest Margin %                       1.76 1.86 1.69 1.68 1.57    
Interest Spread % ...                     1.31 1.39 1.19 1.21 1.12    
Asset Yield %                       8.18 8.17 8.22 7.67 7.54    
Cost Of Liabilities % ...                     6.87 6.78 7.03 6.46 6.42    
Payout Ratio %                       24.7 13.9 12.8 0 0    
Interest Income (As % Of Revenues) %                       61.8 66.0 58.0 63.5 57.9    
Fee Income (As % Of Revenues) %                       20.6 21.0 20.7 22.2 23.7    
Other Income (As % Of Revenues) %                       17.6 12.9 21.3 14.3 18.4    
Equity (As % Of Assets) %                       6.58 7.20 6.86 7.49 6.44    
Loans (As % Of Deposits) %                       86.5 83.9 80.3 81.4 71.1    
Loans (As % Assets) %                       60.8 60.1 58.5 57.5 52.7    
NPLs (As % Of Loans) %                       3.23 4.91 5.90 11.0 21.3    
Provisions (As % Of NPLs) % ... ... ... ... ...             50.4 49.9 52.3 40.8 43.5    
Provisions (As % Of Loans) % ... ... ... ... ...             1.66 2.52 3.18 4.70 10.2    
Cost of Provisions (As % Of Loans) %                       1.92 2.01 2.20 4.27 4.83    
other data Unit 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018
other data                                    
Employees                       15,465 16,438 17,000 17,500 18,187    
Sight (As % Of Customer Deposits) % ... ... ... ...               14.6 10.6 11.7 10.9 12.7    

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IDBI Bank's customer loan growth fell 45.2% to -14.5% in 2018

By Helgi Analytics - November 2, 2019

IDBI Bank's customer loan growth reached -14.5% in 2018, down from -10.0% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 34.4% in 2009 and an all time low of -17.0% in 2003. In the last decade, the average...

IDBI Bank's total revenues fell 23.0% to INR 124 bil in 2018

By Helgi Analytics - November 2, 2019

IDBI Bank generated total banking revenues of INR 124 bil in 2017, up 24.0% compared to the previous year. Indian banking sector banking sector generated total revenues of INR 4,320,359 mil in 2017, up 7.41% when compared to the last year. As a ...

IDBI Bank's customer deposits fell 8.31% to INR 2,478 bil in 2018

By Helgi Analytics - November 2, 2019

IDBI Bank's customer deposits reached INR 2,478 bil in 2017, down 7.62% compared to the previous year. Indian banking sector accepted customer deposits of INR 110,303 bil in 2017, up 3.61% when compared to the last year. IDBI Bank accounted for 2.25% of a...

IDBI Bank's customer loans fell 14.5% to INR 1,717 bil in 2018

By Helgi Analytics - November 2, 2019

IDBI Bank's customer loans reached INR 1,717 bil in 2017, down 10.0% compared to the previous year. Indian banking sector provided customer loans of INR 88,362 bil in 2017, up 7.04% when compared to the last year. IDBI Bank accounted for 1.94% of all cust...

IDBI Bank's price/earnings (P/E) rose 33.0% to 12.1 in 2014

By Helgi Analytics - November 2, 2019

IDBI Bank stock traded at INR 71.0 per share at the end 2014 implying a market capitalization of USD 1,806 mil. Since the end of 2009, the stock has depreciated by -38.2 % implying an annual average growth of -9.19 %. In absolute terms, the value of the company f...

IDBI Bank's share price (end of period) fell 21.8% to INR 71.0 in 2018

By Helgi Analytics - November 2, 2019

IDBI Bank stock traded at INR 71.0 per share at the end of 2014 implying a market capitalization of USD 1,806 mil. Since the end of 2009, the stock has depreciated by -38.2 % implying an annual average growth of -9.19 %. In absolute terms, the value of the company ...

IDBI Bank's capital adequacy ratio fell 11.0% to 11.8% in 2013

By Helgi Analytics - November 2, 2019

IDBI Bank's capital adequacy ratio reached 11.8% at the end of 2013, down from 13.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 18.7% in 2002 and an all time low of 11.5% in 2009. The Tier 1 ratio amounted to...

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Finance

IDBI Bank has been growing its revenues and asset by 12.7% and 6.31% a year on average in the last 10 years. Its loans and deposits have grown by 3.45% and 7.30% a year during that time and loans to deposits ratio reached 64.6% at the end of 2018. The company achieved an average return on equity of -6.57% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 55.1% in 2018, compared to 42.1% average in the last decade.

Equity represented 12.0% of total assets or 26.2% of loans at the end of 2018. IDBI Bank's non-performing loans were 27.5% of total loans while provisions covered some 70.3% of NPLs at the end of 2018.

Valuation

IDBI Bank stock traded at INR 72.8 per share at the end of 2018 resulting in a market capitalization of USD 5,171 mil. Over the previous five years, stock price fell by 2.65% or 0.535% a year on average. That’s compared to an average ROE of -22.9% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of 0.939x in 2018.