Induslnd Bank May 29,2019 The Asst. Vice President Thc Deputy - - PDF document

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Induslnd Bank May 29,2019 The Asst. Vice President Thc Deputy - - PDF document

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Induslnd Bank May 29,2019 The Asst. Vice President Thc Deputy General Manager Listing Dcpartment Corporate Ilelationship Dept. National Stock Iixchangc of India Ltd. BSE I,Td. 1st Floor, New 'l-rading Ring Exchange Plaza, 5th Floor Plot No. C/l, G

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SLIDE 1

May 29,2019 The Asst. Vice President

Listing Dcpartment National Stock Iixchangc of India Ltd.

Exchange Plaza, 5th Floor Plot No. C/l, G Block

Bandra Kurla Complex

Bandra (East), Mumbai 400 051 NSE Symbol: INDUSINDIIK Madarn / Dear Sir,

Induslnd Bank

Thc Deputy General Manager Corporate Ilelationship Dept. BSE I,Td.

1st Floor, New 'l-rading Ring

Rotunda lluilding, P. J. 'Ibwers

l)alal Street, Fort Mumbai .400 001

llSlt Scrip Code: 5321 87

March 31. 2019

In compliance with Regulation 30 of SEBI (l-isting Obligations and Disclosure Requirements) Regulations, 2015, we forward hercwith the Investor Presenlation on the ,Audited Financial Results' ofthe Bank for the Quarter / Financial Year cnded March 3 1 , 2019.

In compliance with Regulation 46, the information is bcing hosted on thc Ilank's websile at

www.indusind.com. We requcst you to lakc the above infbrmation on record. Yours faithfully,

For Induslnd Bank Limited

\r"

\t^@',

.t[!o./ /

Y./

Ilaresh K. Ghjwani Company Se\retary Encl : a/a

Induslnd Bank Limited, Building No. 7, Solitaire Corporate Park, Andheri, Ghatkopar Link Road, Chakala,Andheri E, Mumbai -400093,India.Tel:(0022) 66a12200 Regirtered Offic€r 24Ol Gen.Thimmayya Road, Pune411 001,India Tef.: (020) 2634 3201 Faxt lO2O) 2634 3241 Visit us at www.indusind.com CIN: 1651 91 PNl 994P1C076333
slide-2
SLIDE 2

Investor Presentation Q4-2018-19

slide-3
SLIDE 3

f

f

F

J a.

n

$

I

*

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SLIDE 4
  • f interest/Provision for a Broup in infrastructure sector

l@

m

@ @

*Excluding derecognition

lnduslndBank

** includes 65 banking outlets

slide-5
SLIDE 5

Domestic Rating:

. CRISIL AA + for Infra Bonds program . CRISIL AA for Additional Tier I Bonds program ' CRISIL 41+ for certificate of deposit program . IND AA+ for Senior bonds program by India Ratings and Research . IND AA for Additional Tier I Bonds program by India Ratings and Research . IND A1+ for Short Term Debt Instruments by India Ratings and Research

International Rating:

. Baa3 for Issue4 Bank Deposits and Senior Unsecured MTN ratings by Moody's Investors Service ' P3 as Short Term Issuer Rating by Moody's Investors Service

InduslndBank

slide-6
SLIDE 6

Financial Performance

  • t(. )

ftrfr '

  • lrtdttslnd laank
slide-7
SLIDE 7

Y-o-Y Growth Q-o-Q Growth

) ) ) ) )

Rs.2,232 crs

* Rs. 2,385 crs

  • Rs. 1,559 crs

* Rs. 1,559 crs

Rs.3,791 crs

* Rs 3,944 crs

  • Rs. 2,068 crs

* Rs 2,221 crs

Rs.360 crs

* Rs 1,189 crs

6

llo/o

* 19o/o

17o/o

* 260/o

(620/o)

* 25o/o

(2o/o)

* So/o

(630/o) * 3o/o (2o/o) * 4o/o

29o/o 60/o

l8o/o to/o

Induslnd B'an,k

slide-8
SLIDE 8

I

!

ffiffiffiffiffi1 ffiffiffiffiffi

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SLIDE 9

Y-o-Y Growth Q-o-Q Growth

f-1' -l f 1l-l

t- 1'"1"-l f-':,r-j

f-1'1.':l''-.} F;]

t "- I f-1:1",j

f-l?T.-} f-11:1 ,|

f-'l?-l f ll.':1..l

f-'? .l f -?:1' 1

f,1t-l f r"L-1

l'nduslnd 8,ank

slide-10
SLIDE 10

{Rs Crs)

Capital & Liabilities Capital 603

0o/o 0

602

0o/o t

Reserves and Surplus

26,083 23,242

tZo/o ,l

25,798

Lo/o 0

Deposits 1,94,868 L,51,,639

29o/o 0

L,75,701

LLo/o ,1,

Borrowings

47,32t

38,289

24o/o 6

44,536

60/o 6

Other Liabilities and Provisions 8,944 7,856

l4o/o 6

9,562

(6vo) 9

Cash and Balances with RBI

9,96L

to,962

(9o/o')

9,580

4o/o

{.

v

Balances with Banks

4,822 2,253

Il4o/o 4.

3,170

52o/o t

Investments s9,266 50,o77

18o/o 6

53,681

10o/o

t

Advances

L46394

L,44,954

29o/o ,l

t,73,t69 ,t

8o/o

Fixed Assets T,7LO 1,339

28o/o 6

t,699

Lo/o

6

't5,666

, 77,819 2,27

2,56,199

2,96,593

29o/o ,i

3,48,870

t2,04L

3oo/o t

14,900

5o/o 8o/o

6

9o/o 6

Business (Advances + Deposit) 3,8r,261

lnduslnd Bank

slide-11
SLIDE 11

Net Interest lncome

2,232 2,008 77o/o tt

2,288 (zVo) v

Other Income 1,559 1,208 29o/o 6

t,469 60/o O

Total Income

Operating Expenses Provisions & Contingencies 1561

3,79L 3,216

lBo/o

3,757

7o/o {. t,724

7,447 79o/o 4

5o/o ,1.

17o/o 6

2,117 (zVo) I 335 3660/o 6

607 757o/o 6

1,434 (65%) v

1,510 (660/o) V

t,640 Prolit before Tax

507 Provision for Tax

747

48L (69o/i I

525 (72o/o) I

Profit after Tax 360

es3 (62Vd I

985 (630/o) 9

Net Profit (excl impact of 1,189 25o/o ,l 1,151

nt\

a

ffif-M

in infra sector)

l0

InduslndBank

slide-12
SLIDE 12

Net Interest Income (Rs Crs) 2,385 2,008

79o/o

Total Income(Rs Crs) 3,944 3,215

23o/o

5o/o

Operating Profit[Rs Crs) 2,227 1,769

260/o

2,LL7

5o/o

Profit after Tax((Rs Crs) 1,189 953

25o/o

1,151

3o/o

Net Interest Margin(%) 3.84o/o 3.83o/o Return on Assets[%o) l.B4o/o 1.90o/o Return on Equityf%) 17.75o/o Cost to Income Ratio(%) 43.70o/o cNPA(%)

!93i4

O.48o/o NNPA[%o) 43.65o/q

l.l3o/o

0.59o/o

PCR[%o)

S4.Oo/o

Credit Cost [bps) O.l9o/o

47.7o/o O.L$o/o

1t

Induslnd F,alrk

slide-13
SLIDE 13

(Rs Crc)

Net Interest Income Other Income 5,647

4,750

re"1: +

Total Income

L4,493 14,646

12,24g

t8o/o ,l

te% 4

20o/o 6

Operating Expenses

6,405 6,405 5,592

l5o/o I

L50/o I Operating Profit

8,088 8,241 6,656

Z2o/o 4 Z4o/o li

Provisions & contingencies

3,108 1,457 t,L7s

1640/o 4 24o/o 4 Profit before Tax

4,ggt 6,785 5,48L

(9o/o) I 24o/o 6

rrovrsronror rax

Lf ty

2,5v9 7,4/5

l-Lu%) v

23o/o 6

ProfitafterTax 3,301 4,475 3,606

(Ao/oJ 9

Z+ito +

slide-14
SLIDE 14

ROE (On average equity)

16.480/o t6.56o/o 15.44o/o

Return on Assets

1.90o/o 7,860/o L.62o/o

L.90o/o 0.560/o

1.84o/o L.39o/o

5.460/o

77,75o/o 13.25o/o 43.70o/o 44.19o/o

t8.040/o

7.890/o 77.540/o

Cost / Income Ratio 45.650/o

44.98o/o 43.650/o

43.650/o 3.97o/o

3.84o/o 3.80o/o

L.2lo/o

0.48o/o 7.270/o

24.37

78.93 54.90

26,367

27,534 26,360

43.73o/o 3.860/o 0.48o/o

74.42 27,534 Net Interest Margin

3.990/o 3.83o/o 3.59o/o

Net NPA

0.51o/o 0.5f/o 0.59o/o

EPS (annualized, Rs. per shareJ

Capital + Reserves (Excl. Revaluation Reservel [Rs. in 60.19

23,479 23,479

InduslndBank

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SLIDE 15

Loan Book

!rConsumer Flnance Division r.Corporate & Commertial Banklng

Corporates

52,166 28o/o

qgfn{nl,Y,eXlqlq.l?oa{rt............- -?!.144 . .1..3% q!U.!y.,v-_e,hicf e.-Lea!i . 3,1l.gll-. .,.. 2."1p.. 5ry!aU.,c.y-....... .,. -..,.,.,.,,,... .... 3,,1,3,s,....'. . 2-y..q.

T.qo_Whe€ler.Lo..a!s,.... " . !,!19 12. ....2_Y.,"-,. Car Loans

6,537 4Vo

Tre,cler..." ...,,......-.."."..... 1,F?0 ..._.?:ib..

Esq!pmel!.ii!L4rr,9!IrC . .?,569 ^--!!1p

C,redr!'q4rq-..,,-' .. "...-.-!, _39].. .. '?!v\.

!9eqAg?i.n9!!_r_operty. ..............8.P.25 . ....5:/q

Mid size Small

33,369 180/o

Colporateq

28,175 lSo/o

(Rs crs)

Tractor

2o/o

IndorcIndF,alrk

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SLIDE 16

' Three groups, one each in Media / Diversified / Housing Finance sectors speculated as being stressed ' Bank's funded and non-funded exposure to these groups is L.9o/o of the loan book ' Consolidated securit5r cover of 140o/o for the exposures held by us, of which marketable security in the form

  • flisted shares covers 58olo ofthe total exposure as on date

. All above accounts are standard in the BanlCs books ' RoC filing of charges for assessing banking exposures is sometimes misinterpreted

.4)

rc',.G)/

l&t$y

,5

slide-17
SLIDE 17

a Microfinance

I Gems and fewellery

r Real Estate I Power Generation

I NBFCS (other than HFCs ) I Services

r Lease Rental

c Roads/other infra proiects

I Constn related to infra.- EPC r Food Beverages and Food processing

l; Telecom- Cellular

* Housing Finance Companies

,r Other lndustry

Corpomte Banking Consumer Banklng SMA 1 Outstandingl 0.32olo of loans SMA 2 Outstandingi 0.34Yo ofloans

.. :

Accounts in sMAl &

t . :

SMA2:45

0l

2.51o/o 2.48o/o

LIIVo

24.27o/o 6Lo/o

555

s76

l

6;

641

uslnd 8,ank

slide-18
SLIDE 18

P

E

R

20%

c

E 18%

N

T$%

Investment Grade

Sub Investment Grade

X Unsecured Non Fund Based %

I Secured Non Fund Based % I Unsecured Fund Based %

t Secured Fund Based %

! '^w

R

12%

A

T

10% E

Daw

lBl lB2+ lS2

(AAA) (AA+) (AA)

lB2- lB3+ lB3

(AA-) (A+) (A)

lB! lB4+ lB4 lB+ lB5+ lB5 lB5-

(4.) (BBB+) (BB8) (BBB-) (BB+) (BB) (BB-)

17

tB8

(c)

lB7

(c)

NPA (D)
slide-19
SLIDE 19

tl tl rl

a .

Behavioural Score (B-score) I post I Vehlcle Flnance Portfolio-wise Risk Distribution - Mar'19

I

disbursement credit quality !

I

using long range trisioricat !

I

data.

i . ;:;;;.. assesses "u"ry

!

I

borrower risk using Current !

;

and Historical DPD, LTV, I

I

Geography, Loan tenor, I

I

Customer Wpe, etc.

: .

B-score is ur"A fot credit / |

| ..,.

I portfolio

quality I

I

dsSgsshert, improving I

I

collection efficiency, cross- |

I

sell and is a lead indicator of I

I

measures

I

credit cost

I

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tot ,

z

ltcEttatlt

a

t(!l

t

I I I I

' &r . $Nle of I (ld5t rl5ll to 6 (hidh rbtl

I I

Q-o-Q Movement in Weighted Average Risk Score (WARS):

t8

lhdctstndg,alnk

slide-20
SLIDE 20

I I

Building CASA traction

Expanding branch network

Focus on target market segments

I Government business

P Capital market flows

) Key Non Resident markets

> Self employed and Emerging Corporate businesses

ts Transaction Banking and CMS Mandates

Differentiated service propositions

Current Account (CA) Q3FY18 Q4FY18 Q1FY19 Q2FY19 Q3FY19 Q4FY19

I

r!CA (Rs crs) -a-% ofTotal Deposits

CASA Uptick

Q3FY1S Q4FY18 Q1Fy19 Q2Fy19 Q3Fy19 Q4Fy19

,, ;CASA (Rs crsJ +96 of Total Deposits

Savlngs Account (SA)

Q4FY18 Q1Fy19 Q2Fyr9 Q3Fy19 Q4Iy19

{. tSA (Rs cis) -+96 of Total Deposits

Q3FY18

l9

slide-21
SLIDE 21

(Rs Crs)

Core Fee

7,4r9

1,773

27o/o

7,266

120/o 4.

Securities/MM/FX Trading/Others L40

95

49o/o 6

203 (37o/o) I

9n

Induslnd 8,alrk

slide-22
SLIDE 22

(Rs Crs)

Trade and Remittances 189 153 23o/o i 155 220/o 6 636

540 IBo/o 4

Foreign Exchange Income

797 47o/o 6

27s s% I

1,015

779 30o/o 6

Distribution Fees

(lnsurance, MF, Cards)

302

273 l7o/o 6

268

730/o 6

t,\28

976 760/o i

General Banking Fees

29o/o 6 91

(B%) 9 344

264 30o/o 6

Loan Fees

328

228 440/o 6

276

790/o 6 1,095

BB0 24o/o 4

797 t6o/o 4

201

13o/o 6

850

738 LSo/o 6

slide-23
SLIDE 23

Trade and Remittances Trade and Remittances , 1olo Foreign Exchange, 10olo

lnvestment Banking - Project

Finance / Advisory 1olo Invesunent Banking - Loan Slmdication, 8olo Investment Banldng -

Structured Finance, 796

Loan Processing - Small Corp, 2% Loan Processing - Medium Corp, 3olo Loan Processlng - lar3.e Cotp,zo/o Foreign Exchange, 87o Loan Processing, 13olo

Distribution, 20olo

General Banking, 60lo

Securities/MM/FX Trading/Others, 10%

Indetslnd Bank

slide-24
SLIDE 24

t Yield oD Assels

xYield on Advances

r Cost ofDeposits

t Cost of Funds

.ytel.I on Assett/ctrs,offunds are bssed
  • n Total Assc6
/Lldbitities

Segment-wise Yield

Corporat-e Bank Consumer Finance

68,033

74.72o/o Tnr-al

Total

* Excl reversal ofinterest on an infra group company exposure Corporate Yield is 9.87% and Overall yield is 11.60olo

Q3Frl9 Corporate Yleld 9.06olo

(excl MFI,

BBG and one

  • ff)

InduslndBank

slide-25
SLIDE 25

(Rs Crs) Corporate Bank

t44

258 40L

483 7,837 158 59 80

185 2,L34

Consumer Finance 195 244 303

433

t29 L4I

L48

t67

5U5 Jd5 Gross Credit Costs (Bosis Points on Advonc6)

108 18 12 62 L4 19 L+6

Net Credit Cost

323 468 299 r,99?,

341 2,6A9

1,038 672 205 193

Net Credit Costs (Basls Polnts on Advances)

56 L7 L4 59 59 53 48 107 18

144

630/o

59o/o PCR 58o/o

56'/o

S60/o S60/o 48o/o 43o/o S4o/o 43o/o 54o/o

FY16 FY17

FY18

ll Cornorate Loan Book

Q2FY1e Q3FY19 Q4FY19

I lConsumer Finance Loan Book

Q1Fr19 24

slide-26
SLIDE 26

(Rs Crs)

0pening Balance Additions Deductions

Gross NPA

3,230 L,203 765 458 1,968 3,688 1,709 1,,781 :

7,06L

720

458

348

I,345

3,OBB

6L9

303

364

316 859

,947* 944t*

7,203 765 1,968'r

Net NPA % of Gross NPA

  • /o of Net NPA

Provision Coverage Ratio (PCRJ Restructured Advances Restructured + Gross NPA to Advances 1,O29

1.13o/o O.59o/o O.L!o/o

iAfter sale to ARC Rs.185 crs (Rs. 134 crs) *t Excludes impact of a large group NPA in infra sector

25

InduslndBank

slide-27
SLIDE 27

(Rs Crs)

Gross NPA Gross NPA % L.!60/o

L29o/o 0.71o/o

3.75o/o 0.79o/o

0.42o/o L.7 60/o

L.L8o/o Gross NPA

765

Gross NPA o/o

L.05o/o

L32o/o 0.760/o

0.4Io/o

7.460/o 1.90o/o

L.l2o/o

26

slide-28
SLIDE 28

(Rs Crs)

Credit Risk, CVA and UFCE

t,82,948 r,75,042

Market Risk 8,615 7,973 Operational Risk 22,986 18,840 Total Risk Weighted Assets

2,14,549 2,01,955

Core Equity Tier 1 Capital Funds

25,905 25,809 Additional Tier l Capital Funds 3,490 2,000 Tier 2 Capital Funds 831 975 Total Capital Funds 30,37O

28,640

14.L6o/o L4.L9o/o

12.07o/o

!2.79o/o

Tier 1

13.70o/o 73.780/o

Tier 2

0.450/o 0.470/o 27

slide-29
SLIDE 29

Strengthening Distribution Inftastructure

Branches/Banking 111.|

  • utlets

1,466 1,558

1,565'* ATMs

2,285 2,372 2,453

2,545

*includes 208 specialized branches and 65 Banking outlets . B rc nch/ Re p ft e nta tive Ofri ce Note: Numbe's given above ore totol branches ln eoch stot

28

slide-30
SLIDE 30

March 31,20t9

NRIS/ Director/ Others

2,960/o

*includes FPls

Induslnd Bank

slide-31
SLIDE 31

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slide-32
SLIDE 32

Q4'FY 19 'r ":l::" I

v

,,,,""3:"rlN

',',,i .r.t:,.,,,,,1"

,.

Q4'FY 18 Digital constitutes

92o/o ol total

transaction value

ATM, lL.8% Branch, 3.1% Cheque, s.2% Digital constitutes 80% oftotal

transaction volume

tL

ai: ;;)

r'i. 30% .i:

ill'l",,I,,,,.,,,,,,.,,r,:,i,i I'

,,,,,i,"::l>',

  • ir. Cards rl:,

t..,.. 14oh . ,:':

' rr ::1 r,, ,,.. , . , , . . ]:li l

3l

lnrJuslndF'ank

slide-33
SLIDE 33

Industry / Media Recogniti on / Awards

32

slide-34
SLIDE 34

Induslnd Bank is the ET Now

'Dream Employer of the Year' at

the Bth Edition of the ET Now

Dream Companies of Work for Awards Organized by the World

HRD Congress In Mumbai

33

slide-35
SLIDE 35

Mr Romesh Sobti, MD and CEO

Induslnd Bank bestowed with the 'Banker of the Year' Award at the

Financial Express India's Best

Banks awards

34

slide-36
SLIDE 36

Mr Romesh Sobti, MD and CEO

Induslnd Bank Honoured with

the 'Banker of the Year' Award at

the Business Standard Annual

Awards

JJ

slide-37
SLIDE 37

Induslnd Bank has been awarded with the Global Digital MarketingAward by World Digital Marketing Congress as

Best Digital Payment Facilitator

Induslnd Bank has been awarded with the

Times Now India DigitalAwards 2019 for Innovative Money Transfer Product/Service

36

slide-38
SLIDE 38

Induslnd Bank has been awarded

with the IDC FIIA 2019 Financial

Insights Innovation Award as

Asia's Leading Partner Bank

slide-39
SLIDE 39

uslnd Bank awarded with the Indv's

for

powerment of Women'for the Legal Literary

gramme and the Induslnd Girl Power

'Support and Improvement of Education' for the Enhanced Education Programme and the Mid-

day Meals in the Municipal Schools of

Bhubaneshwar Programme 'Environment Excellence' for the Restoration of

Water Bodies in Chennai and the Wazirabad Drain in Gurugram, Solid Waste Management (fagmagaata Uttarakhand) and the Urban

Afforestation Programme

38

slide-40
SLIDE 40
slide-41
SLIDE 41

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