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Consolidated Standalone

IDBI

₹86.3 1.9 | 2.3%

Market Cap ₹92739 Cr.

Stock P/E 16.0

P/B 2.1

Current Price ₹86.3

Book Value ₹ 40.1

Face Value 10

52W High ₹98.7

Dividend Yield 1.74%

52W Low ₹ 53.1

Edit Ratio

IDBI Research see more...

Overview Inc. Year: 2004Industry: Bank - Private

IDBI Bank Limited is a banking organization. Its segments consist of Corporate / Wholesale Banking phase, which includes corporate relationship covering deposit and credit activities apart from retail and additionally covers corporate advisory / syndication, task appraisal and funding portfolio including strategic investments; Retail Banking section, which includes credit score and deposit activities which are basically orientated in the direction of individual and small business which include priority sector lending and also includes fee and trade channels like ATM, Point of sale (POS) machines, Internet Banking, cell banking, credit cards, debit cards, travel/currency cards, third party distribution and transaction banking offerings, and Treasury segment, which includes buying and selling portfolio of investments, money market operations, derivative trading, foreign exchange operations on the proprietary account and for clients.

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IDBI Share Price

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Volume
Price

Quarterly Price

Quarterly Monthly
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Peer Comparison

IDBI Quarterly Results

#(Fig in Cr.) Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 4629 4608 4639 4994 5230 5729 6864 6038 6549 6995
Other Income 1200 923 1190 1058 923 1404 907 1025 1031 961
Total Income 5828 5531 5829 6052 6152 7133 7771 7064 7580 7956
Interest Expense 2240 2175 2144 2238 2304 2445 2861 2966 3102 3298
Operating Expenditure 1790 1793 1613 1659 1780 2181 1874 1922 2123 2452
Provisions and contingencies 802 670 958 772 783 986 1193 -222 321 113
Operating Profit 997 893 1114 1384 1286 1521 1843 2397 2034 2093
Profit Before Tax 997 893 1114 1384 1286 1521 1843 2397 2034 2093
Provision for Tax 394 163 341 617 346 315 609 1004 553 438
Profit After Tax 603 731 773 767 940 1207 1234 1393 1481 1655
Adjustments 10 4 -4 8 5 10 -5 -8 28 10
Profit After Adjustments 612 735 769 776 945 1217 1229 1385 1509 1665
Adjusted Earnings Per Share 0.6 0.7 0.7 0.7 0.9 1.1 1.1 1.3 1.4 1.5

IDBI Profit & Loss

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 25076 26608 28164 28058 27805 23046 22102 20854 19962 18316 20592 26446
Other Income 3334 3112 4189 3518 4207 7248 3535 4631 4782 4919 4575 3924
Total Income 28410 29720 32354 31576 32013 30294 25637 25485 24744 23235 25167 30371
Interest Expense 19674 20558 22387 21931 22019 17376 16162 13841 11408 9122 9130 12227
Operating Expenditure 3212 3388 4105 4206 5243 4892 5258 6447 6172 6503 7233 8371
Provisions and contingencies 2878 3988 4491 10369 13280 20538 26940 14125 4706 5093 5117 1405
Operating Profit 2646 1786 1371 -4930 -8529 -12512 -22724 -8928 2459 2518 3687 8367
Profit Before Tax 2646 1786 1371 -4930 -8529 -12512 -22724 -8928 2459 2518 3687 8367
Provision for Tax 740 620 414 -1306 -3460 -4355 -7711 3920 1010 0 0 2604
Profit After Tax 1906 1166 957 -3624 -5069 -8157 -15013 -12847 1449 2518 3687 5763
Adjustments -17 -14 -15 33 54 25 26 12 65 16 19 25
Profit After Adjustments 1889 1152 942 -3591 -5016 -8132 -14987 -12835 1514 2534 3706 5788
Adjusted Earnings Per Share 14.2 7.2 5.9 -17.4 -24.4 -26.4 -19.4 -12.4 1.4 2.4 3.4 5.3

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 12% -0% -2% -2%
Operating Profit CAGR 46% 0% 0% 3%
PAT CAGR 46% 0% 0% 7%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 54% 31% 18% -0%
ROE Average 10% 8% -16% -14%
ROCE Average 9% 8% -2% 0%

IDBI Balance Sheet

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 21202 23632 24375 28058 23262 21908 38347 34836 37628 42572 46319
Minority's Interest 36 44 51 61 71 86 97 104 113 128 138
Deposits 226890 235573 259523 265087 268216 247777 227190 222214 230660 232850 255322
Borrowings 65809 60146 61832 70592 56364 63186 45288 36749 15908 14345 12638
Other Liabilities & Provisions 8729 9555 10263 11476 14575 17953 10190 6797 14344 12645 17080
Total Liabilities 322666 328950 356044 375275 362488 350909 321111 300699 298653 302540 331498
Cash and balance with RBI 10549 12715 13157 13827 13350 13169 12732 10539 13013 27796 16639
Bank Balance 7411 4134 1486 9481 19383 20612 8572 19956 22295 8005 12713
Investments 98433 103419 97347 92810 93075 91848 93328 81996 81471 83475 100409
Advances 196306 197686 208377 215893 190826 171740 146790 129845 128152 136959 162546
Fixed Assets 2928 2978 3026 7041 6893 6350 7842 7719 7402 9588 9305
Other Assets 7022 7996 32598 35741 38422 46687 51379 50156 45849 36318 29411
Total Assets 322666 328950 356044 375275 362488 350909 321111 300699 298653 302540 331498

IDBI Cash Flow

#(Fig in Cr.) Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 18052 17960 16849 14643 23308 32732 33781 21304 30495 35308 35800
Cash Flow from Operating Activities -299 -1998 -1991 -567 8000 -12514 -34215 208 10214 5068 -2601
Cash Flow from Investing Activities -123 -223 -272 -715 -464 720 116 -296 -59 -195 -294
Cash Flow from Financing Activities 329 1110 -61 2927 1889 12843 21622 9279 -5342 -4383 -3565
Net Cash Inflow / Outflow -92 -1111 -2323 1645 9424 1049 -12477 9191 4813 490 -6460
Closing Cash & Cash Equivalent 17960 16849 14526 16288 32732 33781 21304 30495 35308 35800 29352

IDBI Ratios

# Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 14.17 7.18 5.87 -17.44 -24.36 -26.37 -19.37 -12.36 1.41 2.36 3.45
CEPS(Rs) 15.27 8 6.85 -16.54 -22.86 -25.23 -18.93 -12 1.72 2.73 3.89
DPS(Rs) 3.5 1 0.75 0 0 0 0 0 0 0 1
Book NAV/Share(Rs) 145.85 136.66 141.6 109.05 86.67 54.65 40.87 27.29 29.15 31.72 35.45
Yield on Advances 12.77 13.46 13.52 13 14.57 13.42 15.06 16.06 15.58 13.37 12.67
Yield on Investments 5.82 6.38 8.12 7.36 8.41 10.72 7.27 8.15 8.47 6.82 6.75
Cost of Liabilities 6.72 6.95 6.97 6.53 6.78 5.59 5.93 5.34 4.63 3.69 3.41
NIM (Net Interest Margin) 1.73 1.9 1.8 1.85 1.83 1.91 2.27 2.89 3.49 3.59 3.92
Interest Spread 6.05 6.51 6.55 6.46 7.79 7.83 9.13 10.72 10.95 9.68 9.26
ROA(%) 0.62 0.36 0.28 -0.99 -1.37 -2.29 -4.47 -4.13 0.48 0.84 1.16
ROE(%) 10.31 5.64 4.29 -16.05 -25.16 -47.02 -61.94 -42.86 4.85 7.69 10.21
ROCE(%) 8.82 8.08 7.2 0.06 -4.07 -10.09 -22.62 -7.96 7.38 7.04 8.63
PER(x) 5.66 9.11 12.1 0 0 0 0 0 27.38 18.16 13.06
Price/Book(x) 0.55 0.48 0.5 0.64 0.87 1.32 1.14 0.71 1.32 1.35 1.27
Dividend Yield(%) 4.36 1.53 1.06 0 0 0 0 0 0 0 2.22
EV/Net Sales(x) 3.05 2.65 2.6 3.03 2.58 3.71 3.68 2.72 2.87 3.3 2.96
EV/Core EBITDA(x) 13.85 12.23 12.49 15.61 15.12 10.65 19.3 10.93 8.01 7.93 6.93
Interest Earned Growth(%) 7.21 6.11 5.85 -0.38 -0.9 -17.12 -4.1 -5.65 -4.28 -8.25 12.42
Net Profit Growth -5.31 -38.82 -17.92 -478.56 -39.89 -60.91 -84.05 14.42 111.28 73.8 46.43
Advances Growth 8.71 0.7 5.41 3.61 -11.61 -10 -14.53 -11.54 -1.3 6.87 18.68
EPS Growth(%) -9.52 -49.34 -18.23 -397.04 -39.69 -8.24 26.54 36.17 111.39 67.36 46.27
Loans/Deposits(x) 29 25.53 23.83 26.63 21.01 25.5 19.93 16.54 6.9 6.16 4.95
Cash/Deposits(x) 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.05 0.06 0.12 0.07
Current Ratio(x) 0.43 0.44 0.38 0.35 0.35 0.37 0.41 0.37 0.35 0.36 0.39
Quick Ratio(x) 29 25.53 23.83 26.63 21.01 25.5 19.93 16.54 6.9 6.16 4.95
CASA % 25.12 22.62 25.06 25.89 31.46 37.13 42.54 47.76 50.46 56.79 53.03

IDBI Shareholding Pattern

# Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Promoter 94.71 94.71 94.71 94.71 94.71 94.71 94.71 94.71 94.71 94.71
FII 0.02 0.03 0.02 0.05 0.06 0.22 0.29 0.4 0.32 0.45
DII 0.38 0.37 0.22 0.16 0.18 0.17 0.17 0.26 0.17 0.16
Public 4.89 4.89 5.04 5.08 5.05 4.9 4.83 4.63 4.8 4.67
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has reduced debt.
  • Company is almost debt free.

Cons

  • Company has a low return on equity of 8% over the last 3 years.

* 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.

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