By Helgi Library - 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. ...
By Helgi Library - 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. ...
By Helgi Library - 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 ...
| 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 |
| 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 | |
| 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 |
Get all company financials in excel:
| 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 |
Get all company financials in excel:
By Helgi Library - 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 bank’s net interest margin reached an all time high of 1.86% in 2013 and an all time low of 0.304% in 2003. The average margin in t...
By Helgi Library - November 2, 2019
IDBI Bank generated total banking revenues of INR 95.5 bil in 2018, down 23% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 124 bil in 2017 and an all ti...
By Helgi Library - November 2, 2019
IDBI Bank generated total banking revenues of INR 95.5 bil in 2018, down 23% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 124 bil in 2017 and an all ti...
By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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 ...
By Helgi Library - 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 ...
By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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 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.
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.
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