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 ₹ 83,546 Cr.
- Current Price ₹ 77.7
- High / Low ₹ 108 / 65.9
- Stock P/E 11.8
- Book Value ₹ 51.4
- Dividend Yield 1.93 %
- ROCE 6.21 %
- ROE 11.8 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 18.9% CAGR over last 5 years
- Company has been maintaining a healthy dividend payout of 19.4%
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 3.67% over past five years.
- Company has a low return on equity of 8.99% over last 3 years.
- Contingent liabilities of Rs.2,09,393 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
Part of BSE 200 BSE 500 Nifty MidSmallcap 400 BSE 100 LargeCap TMC Index Nifty Smallcap 250
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 25,064 | 26,598 | 28,154 | 28,043 | 27,791 | 23,027 | 22,071 | 20,825 | 19,938 | 18,292 | 20,570 | 26,426 | 28,914 |
Interest | 19,691 | 20,576 | 22,406 | 21,954 | 22,040 | 17,386 | 16,166 | 13,847 | 11,414 | 9,129 | 9,139 | 12,240 | 13,889 |
5,847 | 7,146 | 8,331 | 14,256 | 18,019 | 24,874 | 31,667 | 20,025 | 10,320 | 9,831 | 10,071 | 9,066 | 9,120 | |
Financing Profit | -474 | -1,124 | -2,583 | -8,167 | -12,267 | -19,233 | -25,761 | -13,047 | -1,796 | -668 | 1,360 | 5,121 | 5,904 |
Financing Margin % | -2% | -4% | -9% | -29% | -44% | -84% | -117% | -63% | -9% | -4% | 7% | 19% | 20% |
3,220 | 2,979 | 4,008 | 3,411 | 4,008 | 7,014 | 3,300 | 4,470 | 4,559 | 4,690 | 4,372 | 3,611 | 3,764 | |
Depreciation | 124 | 113 | 137 | 214 | 359 | 373 | 366 | 391 | 393 | 413 | 494 | 536 | 0 |
Profit before tax | 2,622 | 1,741 | 1,287 | -4,971 | -8,618 | -12,593 | -22,827 | -8,967 | 2,369 | 3,608 | 5,237 | 8,195 | 9,668 |
Tax % | 28% | 36% | 32% | -26% | -40% | -35% | -34% | 44% | 43% | 32% | 30% | 31% | |
1,882 | 1,121 | 873 | -3,665 | -5,158 | -8,238 | -15,116 | -12,887 | 1,359 | 2,439 | 3,645 | 5,634 | 7,092 | |
EPS in Rs | 14.12 | 6.99 | 5.45 | -17.80 | -25.05 | -26.71 | -19.54 | -12.41 | 1.26 | 2.27 | 3.39 | 5.24 | 6.59 |
Dividend Payout % | 25% | 14% | 14% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 30% | 29% |
Compounded Sales Growth | |
---|---|
10 Years: | 0% |
5 Years: | 4% |
3 Years: | 10% |
TTM: | 15% |
Compounded Profit Growth | |
---|---|
10 Years: | 18% |
5 Years: | 19% |
3 Years: | 61% |
TTM: | 38% |
Stock Price CAGR | |
---|---|
10 Years: | 1% |
5 Years: | 32% |
3 Years: | 22% |
1 Year: | -4% |
Return on Equity | |
---|---|
10 Years: | -10% |
5 Years: | 0% |
3 Years: | 9% |
Last Year: | 12% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Sep 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1,333 | 1,604 | 1,604 | 2,059 | 2,059 | 3,084 | 7,736 | 10,381 | 10,752 | 10,752 | 10,752 | 10,752 | 10,752 |
Reserves | 19,903 | 22,035 | 22,713 | 25,663 | 20,505 | 18,126 | 29,875 | 23,644 | 26,059 | 30,910 | 34,566 | 39,129 | 42,679 |
Deposits | 241,698 | 250,340 | 275,831 | 265,720 | 268,538 | 247,932 | 227,372 | 222,424 | 230,852 | 233,134 | 255,490 | 277,657 | 277,602 |
Borrowing | 51,227 | 45,580 | 45,838 | 70,592 | 56,364 | 63,186 | 45,288 | 36,749 | 15,908 | 14,345 | 12,638 | 17,083 | 20,284 |
8,607 | 9,429 | 10,158 | 11,357 | 14,409 | 17,759 | 10,013 | 6,731 | 14,193 | 12,461 | 17,056 | 18,569 | 21,069 | |
Total Liabilities | 322,769 | 328,988 | 356,144 | 375,390 | 361,874 | 350,086 | 320,284 | 299,928 | 297,764 | 301,603 | 330,502 | 363,190 | 372,387 |
2,909 | 2,963 | 3,011 | 7,023 | 6,809 | 6,269 | 7,763 | 7,642 | 7,357 | 9,540 | 9,279 | 9,413 | 9,371 | |
CWIP | 17 | 20 | 49 | 424 | 540 | 502 | 468 | 487 | 470 | 396 | 477 | 107 | 0 |
Investments | 98,801 | 103,774 | 97,701 | 92,997 | 92,934 | 91,606 | 93,073 | 81,780 | 81,023 | 82,988 | 99,690 | 114,934 | 116,426 |
221,042 | 222,232 | 255,383 | 274,945 | 261,591 | 251,709 | 218,981 | 210,018 | 208,914 | 208,678 | 221,056 | 238,736 | 246,590 | |
Total Assets | 322,769 | 328,988 | 356,144 | 375,390 | 361,874 | 350,086 | 320,284 | 299,928 | 297,764 | 301,603 | 330,502 | 363,190 | 372,387 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-346 | -2,006 | -1,977 | -341 | 7,635 | -12,221 | -34,191 | 190 | 10,218 | 5,008 | -2,397 | -1,188 | |
-122 | -223 | -264 | -656 | -451 | 358 | 114 | -294 | -79 | -145 | -270 | -278 | |
335 | 1,122 | -51 | 2,935 | 1,900 | 12,865 | 21,624 | 9,300 | -5,347 | -4,375 | -3,558 | -1,783 | |
Net Cash Flow | -133 | -1,107 | -2,292 | 1,938 | 9,084 | 1,002 | -12,452 | 9,197 | 4,792 | 488 | -6,225 | -3,248 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 9% | 5% | 4% | -14% | -21% | -40% | -51% | -36% | 4% | 6% | 8% | 12% |
Documents
Announcements
- Closure of Trading Window 26 Mar
-
Intimation Under Regulation 30 Of SEBI (LODR) Regulations, 2015
21 Mar - Penalty of Rs.36.30 lakh imposed by RBI.
-
Intimation Under Regulation 30 Of SEBI (LODR) Regulations, 2015
21 Feb - Penalty of Rs.0.23 crore imposed on IDBI Bank.
-
Announcement under Regulation 30 (LODR)-Change in Directorate
21 Feb - Appointment of Shri R. Doraiswamy as LIC Nominee Director.
-
Intimation Under Regulation 30 Of SEBI (LODR) Regulations, 2015
18 Feb - Penalty of Rs.0.60 crore imposed on IDBI Bank.
Annual reports
-
Financial Year 2024
from bse
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
Financial Year 2012
from nse
-
Financial Year 2012
from bse
-
Financial Year 2011
from bse
Concalls
-
Mar 2024TranscriptNotesPPT
-
Jul 2023TranscriptNotesPPT
-
Apr 2023TranscriptNotesPPT
-
Jan 2023TranscriptNotesPPT
-
Oct 2022Transcript PPT
-
Jul 2022Transcript PPT
-
May 2022Transcript PPT
-
Jan 2022TranscriptNotesPPT
-
Oct 2021TranscriptNotesPPT
-
Jul 2021TranscriptNotesPPT
-
May 2021TranscriptNotesPPT
-
Jan 2021Transcript PPT
-
Nov 2020TranscriptNotesPPT
-
Nov 2020TranscriptNotesPPT
-
Jul 2020Transcript PPT
-
May 2020TranscriptNotesPPT
-
Feb 2020TranscriptNotesPPT
-
Nov 2019TranscriptNotesPPT
-
Aug 2019TranscriptNotesPPT
-
May 2019Transcript PPT
-
Feb 2019Transcript PPT
-
Nov 2018TranscriptNotesPPT
-
Aug 2018TranscriptNotesPPT
-
May 2018TranscriptNotesPPT
-
Jan 2016TranscriptNotesPPT
Business Segments
Retail Banking: 55% in Q2 FY25 vs 52% in FY22
Corporate/Wholesale Banking: 17% in Q2 FY25 vs 15% in FY22
Treasury: 27% in Q2 FY25 vs 32% in FY22
Others: 1% in Q2FY25 vs Nil in FY22[1] [2]