IDBI Bank Ltd

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

IDBI Bank Ltd

₹ 83.1 1.99%
03 Dec - close price
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

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]

Website BSE NSE
  • Market Cap ₹ 89,319 Cr.
  • Current Price ₹ 83.1
  • High / Low ₹ 108 / 63.4
  • Stock P/E 13.2
  • Book Value ₹ 47.5
  • Dividend Yield 1.80 %
  • ROCE 6.23 %
  • ROE 11.8 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 19.0% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 19.0%

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 3.65% over past five years.
  • Company has a low return on equity of 8.98% over last 3 years.
  • Contingent liabilities of Rs.2,09,419 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 Nifty 500 Multicap 50:25:25 Nifty Midcap 150 BSE 250 LargeMidCap Index Nifty Total Market Nifty LargeMidcap 250

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 4,158 4,629 4,608 4,639 4,994 5,230 5,729 6,864 6,038 6,549 6,995 6,670 7,445
Interest 2,298 2,240 2,175 2,144 2,238 2,304 2,445 2,861 2,966 3,102 3,298 3,428 3,562
2,095 2,592 2,463 2,571 2,430 2,563 3,167 3,067 1,701 2,444 2,565 1,553 2,781
Financing Profit -235 -203 -30 -77 326 363 118 936 1,372 1,003 1,132 1,688 1,102
Financing Margin % -6% -4% -1% -2% 7% 7% 2% 14% 23% 15% 16% 25% 15%
1,030 1,200 923 1,190 1,058 923 1,404 907 1,025 1,031 961 857 1,368
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 795 997 893 1,114 1,384 1,286 1,521 1,843 2,397 2,034 2,093 2,546 2,470
Tax % 27% 40% 18% 31% 45% 27% 21% 33% 42% 27% 21% 32% 25%
594 618 740 773 782 950 1,223 1,234 1,393 1,515 1,672 1,739 1,869
EPS in Rs 0.55 0.57 0.68 0.71 0.72 0.88 1.13 1.14 1.29 1.40 1.55 1.61 1.73
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

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 25,076 26,608 28,164 28,058 27,805 23,046 22,102 20,854 19,956 18,316 20,592 26,446 27,659
Interest 19,674 20,558 22,387 21,931 22,019 17,376 16,162 13,841 11,408 9,122 9,130 12,226 13,390
5,932 7,226 8,424 14,339 18,130 20,698 24,118 20,146 10,515 9,975 10,232 9,233 9,343
Financing Profit -531 -1,176 -2,647 -8,212 -12,344 -15,028 -18,178 -13,133 -1,967 -781 1,229 4,986 4,925
Financing Margin % -2% -4% -9% -29% -44% -65% -82% -63% -10% -4% 6% 19% 18%
3,334 3,112 4,189 3,518 4,207 7,248 3,535 4,631 4,848 4,959 4,617 3,975 4,217
Depreciation 128 117 141 218 362 377 370 394 397 417 499 543 0
Profit before tax 2,675 1,819 1,401 -4,912 -8,498 -8,157 -15,013 -8,896 2,484 3,760 5,346 8,418 9,143
Tax % 29% 36% 32% -26% -40% 0% 0% 44% 42% 32% 30% 31%
1,902 1,166 957 -3,574 -4,997 -8,116 -14,970 -12,819 1,532 2,557 3,728 5,814 6,795
EPS in Rs 14.17 7.18 5.87 -17.44 -24.36 -26.37 -19.37 -12.36 1.41 2.36 3.45 5.38 6.29
Dividend Payout % 25% 14% 13% 0% 0% 0% 0% 0% 0% 0% 29% 28%
Compounded Sales Growth
10 Years: 0%
5 Years: 4%
3 Years: 10%
TTM: 16%
Compounded Profit Growth
10 Years: 17%
5 Years: 19%
3 Years: 56%
TTM: 42%
Stock Price CAGR
10 Years: 1%
5 Years: 18%
3 Years: 21%
1 Year: 31%
Return on Equity
10 Years: -9%
5 Years: 0%
3 Years: 9%
Last Year: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 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
Reserves 19,869 22,028 22,771 26,000 21,204 18,824 30,610 24,455 26,876 31,819 35,567 40,321
292,699 295,719 321,355 335,679 324,580 310,962 272,478 258,963 246,615 247,195 267,951 294,448
8,765 9,599 10,314 11,537 14,646 18,039 10,287 6,901 14,410 12,773 17,227 18,750
Total Liabilities 322,666 328,950 356,044 375,275 362,488 350,909 321,111 300,699 298,653 302,540 331,498 364,272
2,928 2,978 3,026 7,041 6,893 6,350 7,842 7,719 7,402 9,587 9,303 9,435
CWIP 18 22 54 481 541 502 468 488 471 400 477 108
Investments 98,433 103,419 97,347 92,810 93,075 91,848 93,328 81,996 81,471 83,475 100,409 115,719
221,288 222,531 255,617 274,943 261,980 252,208 219,474 210,496 209,309 209,078 221,309 239,011
Total Assets 322,666 328,950 356,044 375,275 362,488 350,909 321,111 300,699 298,653 302,540 331,498 364,272

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-299 -1,998 -1,991 -567 8,000 -12,514 -34,215 208 3,443 5,068 -2,701 -1,226
-123 -223 -272 -715 -464 720 116 -296 -59 -192 -283 -217
329 1,110 -61 2,927 1,889 12,843 21,622 9,279 1,428 -4,383 -3,569 -1,794
Net Cash Flow -92 -1,111 -2,323 1,645 9,424 1,049 -12,477 9,191 4,813 492 -6,554 -3,237

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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% -19% -38% -49% -35% 4% 6% 8% 12%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
94.71% 94.71% 94.71% 94.72% 94.72% 94.72% 94.72% 94.72% 94.72% 94.72% 94.72% 94.72%
0.02% 0.03% 0.02% 0.05% 0.06% 0.22% 0.30% 0.40% 0.32% 0.45% 0.46% 0.46%
0.38% 0.36% 0.23% 0.15% 0.17% 0.16% 0.16% 0.24% 0.15% 0.15% 0.16% 0.17%
0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
4.89% 4.89% 5.04% 5.08% 5.06% 4.90% 4.84% 4.62% 4.80% 4.67% 4.65% 4.64%
No. of Shareholders 5,60,9165,69,4815,93,5615,95,3015,84,6255,98,4155,82,1606,08,4906,36,6996,72,4346,82,0997,15,361

* 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.

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