IDBI Bank Ltd

IDBI Bank Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

IDBI Bank Ltd

₹ 89.8 2.04%
26 Apr 2:09 p.m.
idbi.com BSE: 500116 NSE : IDBI
About

IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.

Key Points

Ratios
Capital Adequacy Ratio - 20.33%
Net Interest Margin - 5.8%
Gross NPA - 5.05%
Net NPA - 0.44%
CASA Ratio - 52.61 [1]

Website BSE NSE
  • Market Cap ₹ 96,610 Cr.
  • Current Price ₹ 89.8
  • High / Low ₹ 98.7 / 52.6
  • Stock P/E 18.8
  • Book Value ₹ 42.2
  • Dividend Yield 1.12 %
  • ROCE 4.77 %
  • ROE 8.38 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 19.3% CAGR over last 5 years
  • Company's working capital requirements have reduced from 175 days to 11.2 days

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -2.23% over past five years.
  • Company has a low return on equity of 6.30% over last 3 years.
  • Contingent liabilities of Rs.1,88,211 Cr.
  • Company might be capitalizing the interest cost

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 4,572 5,781 4,916 4,154 4,624 4,598 4,634 4,978 5,231 5,726 6,860 6,035 6,541
Interest 2,754 2,542 2,410 2,300 2,241 2,178 2,146 2,240 2,306 2,447 2,862 2,968 3,106
2,406 3,931 3,213 2,055 2,555 2,421 2,535 2,388 2,515 3,126 3,021 1,657 2,401
Financing Profit -589 -691 -707 -202 -173 -0 -48 350 410 154 976 1,410 1,033
Financing Margin % -13% -12% -14% -5% -4% -0% -1% 7% 8% 3% 14% 23% 16%
1,432 1,113 1,731 976 1,138 844 1,140 1,087 857 1,288 852 889 973
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 843 423 1,024 775 966 844 1,093 1,437 1,267 1,441 1,828 2,299 2,007
Tax % 55% -21% 41% 27% 40% 18% 31% 42% 27% 21% 33% 42% 27%
378 512 603 567 578 691 756 828 927 1,133 1,224 1,323 1,458
EPS in Rs 0.35 0.48 0.56 0.53 0.54 0.64 0.70 0.77 0.86 1.05 1.14 1.23 1.36
Gross NPA % 23.52% 22.37% 22.71% 21.85% 20.56% 20.16% 19.90% 16.51% 13.82% 6.38% 5.05% 4.90% 4.69%
Net NPA % 1.94% 1.97% 1.67% 1.71% 1.70% 1.36% 1.26% 1.16% 1.08% 0.92% 0.44% 0.39% 0.34%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Revenue 23,370 25,064 26,598 28,154 28,043 27,791 23,027 22,071 20,825 19,938 18,292 20,570 25,162
Interest 18,866 19,691 20,576 22,406 21,954 22,040 17,386 16,166 13,847 11,414 9,129 9,139 11,384
3,870 5,847 7,146 8,331 14,256 18,019 24,874 31,667 20,025 10,320 9,831 10,071 10,205
Financing Profit 634 -474 -1,124 -2,583 -8,167 -12,267 -19,233 -25,761 -13,047 -1,796 -668 1,360 3,573
Financing Margin % 3% -2% -4% -9% -29% -44% -84% -117% -63% -9% -4% 7% 14%
2,112 3,220 2,979 4,008 3,411 4,008 7,014 3,300 4,470 4,559 4,690 4,372 4,002
Depreciation 116 124 113 137 214 359 373 366 391 393 413 494 0
Profit before tax 2,630 2,622 1,741 1,287 -4,971 -8,618 -12,593 -22,827 -8,967 2,369 3,608 5,237 7,575
Tax % 23% 28% 36% 32% 26% 40% 35% 34% -44% 43% 32% 30%
2,032 1,882 1,121 873 -3,665 -5,158 -8,238 -15,116 -12,887 1,359 2,439 3,645 5,139
EPS in Rs 15.89 14.12 6.99 5.45 -17.80 -25.05 -26.71 -19.54 -12.41 1.26 2.27 3.39 4.78
Dividend Payout % 22% 25% 14% 14% 0% 0% 0% 0% 0% 0% 0% 30%
Compounded Sales Growth
10 Years: -2%
5 Years: -2%
3 Years: 0%
TTM: 29%
Compounded Profit Growth
10 Years: 7%
5 Years: 19%
3 Years: 32%
TTM: 60%
Stock Price CAGR
10 Years: 3%
5 Years: 15%
3 Years: 37%
1 Year: 62%
Return on Equity
10 Years: -12%
5 Years: -11%
3 Years: 6%
Last Year: 8%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity Capital 1,278 1,333 1,604 1,604 2,059 2,059 3,084 7,736 10,381 10,752 10,752 10,752
Reserves 18,150 19,903 22,035 22,713 25,663 20,505 18,126 29,875 23,644 26,059 30,910 34,566
263,970 292,925 295,920 321,668 336,311 324,902 311,117 272,659 259,173 246,760 247,479 268,137
6,918 8,607 9,429 10,158 11,357 14,409 17,759 10,013 6,731 14,193 12,461 17,047
Total Liabilities 290,316 322,769 328,988 356,144 375,390 361,874 350,086 320,284 299,928 297,764 301,603 330,502
2,994 2,909 2,963 3,011 7,023 6,809 6,269 7,763 7,642 7,357 9,540 9,279
CWIP 24 17 20 49 424 540 502 468 487 470 396 477
Investments 83,175 98,801 103,774 97,701 92,997 92,934 91,606 93,073 81,780 81,023 82,988 99,690
204,122 221,042 222,232 255,383 274,945 261,591 251,709 218,981 210,018 208,914 208,678 221,056
Total Assets 290,316 322,769 328,988 356,144 375,390 361,874 350,086 320,284 299,928 297,764 301,603 330,502

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-3,110 -346 -2,006 -1,977 -341 7,635 -12,221 -34,191 190 10,218 5,008 -2,602
-159 -122 -223 -264 -656 -451 358 114 -294 -79 -145 -270
560 335 1,122 -51 2,935 1,900 12,865 21,624 9,300 -5,347 -4,375 -3,553
Net Cash Flow -2,708 -133 -1,107 -2,292 1,938 9,084 1,002 -12,452 9,197 4,792 488 -6,425

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
ROE % 12% 9% 5% 4% -14% -21% -40% -51% -36% 4% 6% 8%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
94.71% 94.71% 94.71% 94.71% 94.71% 94.72% 94.72% 94.72% 94.72% 94.72% 94.72% 94.72%
0.04% 0.05% 0.02% 0.03% 0.02% 0.05% 0.06% 0.22% 0.30% 0.40% 0.32% 0.45%
1.36% 0.75% 0.38% 0.36% 0.23% 0.15% 0.17% 0.16% 0.16% 0.24% 0.15% 0.15%
0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
3.89% 4.48% 4.89% 4.89% 5.04% 5.08% 5.06% 4.90% 4.84% 4.62% 4.80% 4.67%
No. of Shareholders 5,80,1355,14,6715,60,9165,69,4815,93,5615,95,3015,84,6255,98,4155,82,1606,08,4906,36,6996,72,434

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

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