IDBI Bank Ltd
IDBI Bank is engaged in the business of Monetary intermediation of commercial banks, saving banks, postal savings bank and discount houses.
- Market Cap ₹ 94,675 Cr.
- Current Price ₹ 88.0
- High / Low ₹ 98.7 / 52.6
- Stock P/E 17.8
- Book Value ₹ 43.1
- Dividend Yield 1.12 %
- ROCE 4.26 %
- ROE 8.34 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 19.4% CAGR over last 5 years
- Company's working capital requirements have reduced from 178 days to 14.2 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 6.42% over last 3 years.
- Contingent liabilities of Rs.1,88,240 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
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 | 23,389 | 25,076 | 26,608 | 28,164 | 28,058 | 27,805 | 23,046 | 22,102 | 20,854 | 19,956 | 18,316 | 20,592 | 25,180 |
Interest | 18,818 | 19,674 | 20,558 | 22,387 | 21,931 | 22,019 | 17,376 | 16,162 | 13,841 | 11,408 | 9,122 | 9,130 | 11,373 |
4,014 | 5,932 | 7,226 | 8,424 | 14,339 | 18,130 | 20,698 | 24,118 | 24,097 | 11,551 | 11,178 | 11,850 | 10,378 | |
Financing Profit | 557 | -531 | -1,176 | -2,647 | -8,212 | -12,344 | -15,028 | -18,178 | -17,084 | -3,003 | -1,984 | -389 | 3,429 |
Financing Margin % | 2% | -2% | -4% | -9% | -29% | -44% | -65% | -82% | -82% | -15% | -11% | -2% | 14% |
2,196 | 3,334 | 3,112 | 4,189 | 3,518 | 4,207 | 7,248 | 3,535 | 4,631 | 4,848 | 4,959 | 4,617 | 4,367 | |
Depreciation | 120 | 128 | 117 | 141 | 218 | 362 | 377 | 370 | 394 | 397 | 417 | 499 | 0 |
Profit before tax | 2,634 | 2,675 | 1,819 | 1,401 | -4,912 | -8,498 | -8,157 | -15,013 | -12,847 | 1,449 | 2,557 | 3,728 | 7,796 |
Tax % | 24% | 29% | 36% | 32% | 26% | 40% | 0% | 0% | 0% | 0% | 0% | 0% | |
2,013 | 1,902 | 1,166 | 957 | -3,574 | -4,997 | -8,116 | -14,970 | -12,819 | 1,532 | 2,557 | 3,728 | 5,365 | |
EPS in Rs | 15.66 | 14.17 | 7.18 | 5.87 | -17.44 | -24.36 | -26.37 | -19.37 | -12.36 | 1.41 | 2.36 | 3.45 | 4.96 |
Dividend Payout % | 22% | 25% | 14% | 13% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 29% |
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: | 66% |
Stock Price CAGR | |
---|---|
10 Years: | 2% |
5 Years: | 15% |
3 Years: | 37% |
1 Year: | 63% |
Return on Equity | |
---|---|
10 Years: | -11% |
5 Years: | -11% |
3 Years: | 6% |
Last Year: | 8% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
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 | 18,113 | 19,869 | 22,028 | 22,771 | 26,000 | 21,204 | 18,824 | 30,610 | 24,455 | 26,876 | 31,819 | 35,567 |
263,722 | 292,699 | 295,719 | 321,355 | 335,679 | 324,580 | 310,962 | 272,478 | 258,963 | 246,615 | 247,195 | 267,960 | |
7,063 | 8,765 | 9,599 | 10,314 | 11,537 | 14,646 | 18,039 | 10,287 | 6,901 | 14,410 | 12,773 | 17,219 | |
Total Liabilities | 290,176 | 322,666 | 328,950 | 356,044 | 375,275 | 362,488 | 350,909 | 321,111 | 300,699 | 298,653 | 302,540 | 331,498 |
3,017 | 2,928 | 2,978 | 3,026 | 7,041 | 6,893 | 6,350 | 7,842 | 7,719 | 7,402 | 9,587 | 9,303 | |
CWIP | 26 | 18 | 22 | 54 | 481 | 541 | 502 | 468 | 488 | 471 | 400 | 477 |
Investments | 82,829 | 98,433 | 103,419 | 97,347 | 92,810 | 93,075 | 91,848 | 93,328 | 81,996 | 81,471 | 83,475 | 100,409 |
204,304 | 221,288 | 222,531 | 255,617 | 274,943 | 261,980 | 252,208 | 219,474 | 210,496 | 209,309 | 209,078 | 221,309 | |
Total Assets | 290,176 | 322,666 | 328,950 | 356,044 | 375,275 | 362,488 | 350,909 | 321,111 | 300,699 | 298,653 | 302,540 | 331,498 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-3,245 | -299 | -1,998 | -1,991 | -567 | 8,000 | -12,514 | -34,215 | 208 | 3,443 | 5,068 | -2,601 | |
-177 | -123 | -223 | -272 | -715 | -464 | 720 | 116 | -296 | -59 | -192 | -283 | |
556 | 329 | 1,110 | -61 | 2,927 | 1,889 | 12,843 | 21,622 | 9,279 | 1,428 | -4,383 | -3,565 | |
Net Cash Flow | -2,865 | -92 | -1,111 | -2,323 | 1,645 | 9,424 | 1,049 | -12,477 | 9,191 | 4,813 | 492 | -6,449 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
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% | -19% | -38% | -49% | -35% | 4% | 6% | 8% |
Documents
Announcements
- Intimation Under Regulation 30 Of SEBI (LODR) Regulations, 2015 13h
- Intimation Under Regulation 30 Of SEBI (LODR) Regulations, 2015 17h
- Intimation Under Regulation 30 Of SEBI (LODR) Regulations, 2015 2d
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 20 Apr
- Compliance Certificate Under Regulation 7(3) Of SEBI (LODR) Regulations, 2015 For The Year Ended March 31, 2024 19 Apr
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2012
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Financial Year 2011
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Financial Year 2011
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Concalls
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Jul 2023TranscriptNotesPPT
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Apr 2023TranscriptNotesPPT
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Jan 2023TranscriptNotesPPT
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Oct 2022Transcript PPT
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Nov 2018TranscriptNotesPPT
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Aug 2018TranscriptNotesPPT
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May 2018TranscriptNotesPPT
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Jan 2016TranscriptNotesPPT
Ratios
Capital Adequacy Ratio - 20.33%
Net Interest Margin - 5.8%
Gross NPA - 5.05%
Net NPA - 0.44%
CASA Ratio - 52.61 [1]