1 FY17 FINANCIALS MARCH 31, 2017 2 IN INDEX 1. Key Highlights - - PowerPoint PPT Presentation

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FY17 FINANCIALS

MARCH 31, 2017

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IN INDEX

• 1. Key Highlights (IDFC Consol)

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• 2. Entity wise P&L

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• 6. Fund Snapshot – IDFC Alternatives

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• 4. Business Highlights – IDFC Infrastructure Finance

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• 3. Key Highlights - IDFC Bank

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• 5. Business Highlights – IDFC AMC

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• 7. Business Highlights – IDFC Securities

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• 8. Shareholding

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Balance Sheet ` ` 117,548 Cr Net worth : ` 10,820 Cr PAT : ` 699 Cr Securities Revenue : ` ` 81 Cr PAT : ` ` 11 Cr Alternatives Fund Size : ` ` 17,716 Cr No of Investments : 81 Revenue : ` 131 Cr PAT : ` 19 Cr AMC AAUM : ` ` 57,318 Cr Revenue : ` ` 310 Cr PAT : ` ` 97 Cr Bank O/s Credit : ` ` 85,172 Cr Income : ` ` 3,030 Cr PAT : ` 1,020 Cr No of Customers : 1.4 mn (GV ~ 9.6 lakh) Points of Presence: 8,613 Infrastructure Finance Loan Book : ` ` 2,683 Cr PAT : ` ` 71 Cr AAA by CARE and ICRA IDFC vs. Nifty*

Key High ighlig ights s (ID (IDFC Con

• nsol) FY

FY17 17

Nifty

34% 19%

IDFC

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*1st April 16 to 31st Mar 17

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All figures in ` Crore

Entity wise P&L (FY17)

* Others Projects, Securities Singapore, IDFC FHCL etc. # includes IDFC Capital (Singapore)

Particulars IDFC Bank AMC Alternatives# IF Securities Others * Total FY 17 Operating Income 156 3,030 310 131 87 81 118 3,914 Operating Expenses 28 1,277 170 102 11 60 7 1,655 Pre-Provisioning Operating Profit 128 1,753 140 29 76 21 111 2,259 Provisions 278 Dividend Elimination 184 PBT 1,797 Tax, MI & Others 1,098 PAT 699

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All figures in ` Crores

Key High ighlig ights s IDF IDFC Ban ank – FY FY17 (1 (1 of

• f 2)

2)

• No. of Customers

(Total: 13.8 lacs | IDFC Bharat Ltd.1 customers: 9.6 lacs)

• Customers acquired in the month of

Mar : 60.9K (B+: 21.9K; B: 39.0K)

CASA/Gross Advances

Non Interest Franchise Income /Total Non Interest Income

37.8%

Non Interest Franchise Income /Total Operating Income

11.9%

Retailisation of Funded Book2: ` 16,818 Cr Balance Sheet Growth

1. Formerly known as Grama Vidiyal Micro Finance Ltd. (GVMFL) 2. Retailisation of Funded Book = Bharat Bank, B Plus, SME, Buyout, Onlending 25,906 59,555 1,25,057 2,45,613 4,14,090

Mar-16 Jun-16 Sep-16 Dec-16 Mar-17

Points of Presence (8,613)

104 409 1,154 4,684 8,613 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 0.90% 1.75% 3.32% 1.76% 4.06% Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 7.9% 25.2% Mar-16 Mar-17 Mar 16: ` ` 83,216

35%

Mar 17: ` ` 1,12,160 CASA Mar 17 – ` ` 2,094 Cr

Q4 vs Q3

• 3%

FY17 vs FY16

Key High ighlig ights s IDF IDFC Ban ank – FY FY17 (2 (2 of

• f 2)

2)

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Outstanding Credit1

` 85,172 Cr

Net Adv: ` 49,402 Cr Credit Inv: ` 17,165 Cr LC/BG: ` 18,605 Cr

PAT

` 1,019.7 Cr

Q4 FY17: ` 176.0 Cr

RoA | RoE

1.0% | 7.2%

Network & Customers Asset mix (` ` 1,12,160) Income

` 3,030 Cr

NII: ` 2,076 Cr Non Int: ` 954 Cr

NIM

2.1%

Loan: 3.1%

EPS | Book value

3.0 | 43.2

Funding mix (` ` 90,470) Expenses

` 1,277 Cr

HR: ` 597 Cr Others: ` 680 Cr

C/I Ratio

42.1%

Headcount

3,906

Mar’16: 2,405 (+62%)

CASA Ratio2

5.2%

CASA4: Bharat: ` ` 153 Cr Bharat Plus: ` ` 433 Cr Wholesale: ` ` 1,508 Cr

Asset Quality Capital Adequacy

18.9%

Tier 1: 18.5%

IDFC Bank vs. Bankex3

2,094 17,970 10,434 26,706 2,099 7,776 23,391

CASA FD Infra Bonds Bonds & Deb. FC Loans CBLO/Repo/LAF Others incl CDs

69% 47%

GNPL: 3.0% NNPL: 1.1% Net RSA: 1.3%

49,402 17,165 2,202 19,264 16,942 7,184

Net Advances Credit Inv. Cash & Bank Statutory Inv. Trading Inv. Other Assets

NII/Total HR/Total

21%

Network Branches: 74 ATMs: 47 Micro ATMs: 5,661 Aadhar Pay: 2,481 BC & IDFC Bharat Ltd.: 350 Customers Total: 13.8 lacs IDFC Bharat Ltd.: 9.6 lacs

32%

58%

YoY

• 1. Outstanding Credit (FB+ NFB) grew 19% from ` 71,354 Cr as on 31st Dec, 16 to

` 85,172 Cr as on 31st Mar, 17. Outstanding Funded Credit grew 18% from ` 56,641 Cr as on 31st Dec 16 to ` 66,567 Cr as on 31st Mar, 17

• 2. CASA Ratio = CASA / (CASA+FD+CD)
• 3. 1st April 16 to 31st Mar 17
• 4. Average SA per account: Bharat banking` 2,834,

Bharat plus: ` 26,987

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Business Highlights – IDFC Infrastructure Finance Ltd*

• Outstanding disbursements as of March 31, 2017 were ` 2,683 Cr across 37 companies
• Total borrowings as of March 31, 2017 were ` 2,104 Cr
• The portfolio includes exposure to a diversified set of borrowers across the infrastructure

spectrum including roads, power, education, healthcare, telecom and SEZs.

• PAT as for the year ended on March 31, 2017 is ` 70.8 Cr
• Capital adequacy ratio is ~28.9%
• Rating of AAA by CARE & ICRA

*Formerly known as IDFC IDF

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Business Highlights – IDFC AMC

All figures in ` Crore

Particular Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 AAUM (For the month) ` 52,460 55,080 58,548 59,489 59,585 MF 51,448 54,134 57,726 58,715 58,817 IA 1,012 946 822 774 768 Equity AUM (%) 24% 23% 23% 22% 22%

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Fund Snapshot – IDFC Alternatives

All figures in ` Crore * Completely Exited

Particular Private Equity Infra RE Total Fund I * Fun II Fund III Fund IV IIF1 IIF2 Office Fund * REYF SCORE Fund Size ` 844 1,858 2,903 576 3,837 5,500 688 749 761 17,716 Number of Investments 12 17 12 1 17 10 2 8 2 81 Number of Exit Events (Full & Partial) 12 13 6

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• 2

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• 48

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Business Highlights – IDFC Securities

• Increase in market share & Revenues in FII, MF and DII segment
• Healthy deal pipeline – Investment banking
• Aiming to increase Brokerage revenue

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Shareholding Pattern

GoI 16.4% FII / FDI / NRI / FN 46.4% FIs / Insurance Co / Banks 5.8% Retail 17.9% Corporate Bodies 4.0% MF 9.5%

31st Dec, 2016

GoI 16.4% FII / FDI / NRI / FN 39.6% FIs / Insurance Co / Banks 5.2% Retail 20.4% Corporate Bodies 4.6% MF 13.8%

31st Mar, 2017 % of Top 10 shareholders Sr No Name Category 31-Mar-17 1 Government of India GOI 16.4% 2 Sipadan Investments (Mauritius) Ltd FII 9.5% 3 First State Investments ICVC FII 5.9% 4 Orbis Sicav - Asia Ex-Japan Equity Fund FII 3.2% 5 Ashish Dhawan Retail 2.6% 6 East Bridge Capital Master Fund Ltd FII 2.4% 7 ICICI Balanced Prudential Fund MF 1.4% 8 Platinum Asia Fund FII 1.4% 9 Orbis Global Equity Fund Ltd FII 1.1% 10 ICICI Prudential Dynamic Plan MF 1.1%

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