IDFC 2014-2015

Business Ratios
Particulars FY15 FY14
Return on Assets (RoA) 2.1% 2.5%
Return on Equity (RoE) 10.3% 12.2%
EPS (R) Diluted* 10.9 11.9
Leverage (Closing) 5.0 x 5.0 x
Book Value (R) 108.5 99.2
Cost / Income 17.3% 14.6%
HR / Operating Income 9.6% 7.7%
Gross NPL (% of Loans) 0.7% 0.6%
Net NPL (%) 0.2% 0.4%
Net Restructured Standard Assets 7.8% 4.3%
(% of Loans)
Total Loans Provision (% of Loans) 4.5% 2.4%
Average Spreads 1.8% 2.3%

* Based on weighted average number of shares outstanding

INVESTMENTS
(` in crore)
As at March 31, 2015 As at March 31, 2014

Investment in associates
Equity shares [see note 3(f)] 229.53 52.93
Add: Goodwill on acquisition 9.80 9.80
Add: Adjustment for post acquisition share of profit and reserve of associates (14.95) 9.87
224.38 72.60
Preference shares 30.94 –
Investment in a subsidiary
Equity shares [see note 3(c)] 13.00 13.00
Other investments
Equity shares [see note (a) & (f)] 1,096.17 827.93
Preference shares [see note (d)] 107.37 155.72
Venture capital units [see note (d)] 950.17 881.87
Debentures & bonds 540.58 540.59
Government securities [see note 13(b) & (c)] 11,721.62 1,517.06
Mutual funds [see note (b)] 4.50 15.00
Security receipts 242.24 196.46
Total non-current investments 14,930.97 4,220.23
Less: Provision for diminution in value of investments [see note (e)] 309.11 330.56
Less: Premium amortised on debentures, bonds and government securities 11.39 1.43
Net non-current investments 14,610.47 3,888.24
 IDBI 2014-15

Investments

March 31,
Particulars 2015
(` in crore)
I Gross value of investments
(a) In India 122419.87
(b) Outside India -
ii Provisions for depreciation
(a) In India (1456.66)
(b) Outside India -
iii Net value of investments (i- ii)
(a) In India 120963.21
(b) Outside India -

Non-SLR investment portfolio

Issuer composition of non SLR investments as at March 31, 2015 :

(` in crore)
No Issuer Total Amount Extent of Extent of Extent of Extent of
private "below "unrated" "unlisted"
placemen
t investment securities Securities
grade"
securities

(1) (2) (3) (4) (5) (6) (7)

I Public sector undertakings 1893.73 822.53 153.74 162.97 342.26

Ii Financial institutions 23574.85 240.26 12.50 12.50 23381.50
Iii Banks 615.93 74.60 - - 1.82
Iv Private corporate 10950.38 7451.47 860.94 1252.63 8372.60
V Subsidiaries / joint ventures 702.04 263.17 - - 702.04
Vi Others 5763.84 - - 4609.00 5740.45
Provision held towards
Vii depreciation (1443.04)

Total 42057.72 8852.03 1027.18 6037.10 38540.67

Non performing Non-SLR investments:

Particulars
March 31,
2015

Opening balance of Non performing Non-SLR

investments 896.51
Additions on account of demerger of Financing
Undertaking 165.15
Transfer on account of conversion of loans into
investments -
Additions during the year -
Reductions during the year (51.04)

Closing balance of Non performing Non-SLR

investments 1010.63

Total provisions held 732.74

Business ratios

Particulars March 31, 2015

Interest income as a percentage to working funds 9.45%

Non-interest income as a percentage to working funds 1.35%
Operating profit as a percentage to working funds 1.92%
Return on assets 0.29%
Business per employee 26.21
Profit per employee 0.05
IDFC 2015-2016

INVESTMENTS

March 31,
Particulars 2016
(` in crore)
i Gross value of investments
(a) In India 21,285.92
(b) Outside India -
ii Provisions for depreciation
(a) In India (1,194.74)
(b) Outside India -
iii Net value of investments (i- ii)
(a) In India 20,091.18
(b) Outside India -

Non-SLR investment portfolio

Issuer composition of non SLR investments as at March 31, 2016 :

(` in crore)
No Issuer Total Amount Extent of Extent of Extent of Extent of
private "below "unrated" "unlisted"
placemen
t investment securities securities
grade"
securities

(1) (2) (3) (4) (5) (6) (7)

i Public sector undertakings 384.80 2.50 - - -

ii Financial institutions 3,186.14 2,254.65 - - 830.46
iii Banks 245.91 48.90 - - 197.02
iv Private corporates 4,630.25 4,556.90 - 386.39 1,957.96
v Subsidiaries / joint ventures - - - - -
vi Others 1,145.50 1,145.50 - - 1,145.50
Provision held towards
vii depreciation (1,193.70)

Total 8,398.90 8,008.45 - 386.39 4,130.94

Amounts reported under columns (4), (5), (6) and (7) above are not mutually exclusive.
 Non performing Non-SLR
investments:
Particulars
March 31,
2016

Opening balance of Non performing Non-SLR investments -

Additions on account of demerger of Financing Undertaking 90.65
Transfer on account of conversion of loans into investments 321.45
Additions during the year -
Reductions during the year (0.01)

Closing balance of Non performing Non-SLR investments 412.09

Total provisions held 412.09

Business ratios
particulars March 31, 2016

Interest income as a percentage to working funds 8.42%

Non-interest income as a percentage to working funds 0.83%
Operating profit as a percentage to working funds 1.52%
Return on assets 1.10%
Business per employee 28.78
Profit per employee 0.22
IDBI 2015- 2016

Investments

March 31,
Particulars 2016
(` in crore)
I Gross value of investments
(a) In India 100730.66
(b) Outside India -
ii Provisions for depreciation
(a) In India (1731.22)
(b) Outside India -
iii Net value of investments (i- ii)
(a) In India 98999.43
(b) Outside India -

Non-SLR investment portfolio

Issuer composition of non SLR investments as at March 31, 2016 :

(` in crore)
No Issuer Total Amount Extent of Extent of Extent of Extent of
private "below "unrated" "unlisted"
placemen
t investment Securities securities
grade"
securities

(1) (2) (3) (4) (5) (6) (7)

i Public sector undertakings 1466.40 695.79 - 76.01 181.10

Financial institutions 330.20 202.70 12.50 119.24 110.62
iii Banks 325.56 13.60 - 36.24 1.49
iv Private corporates 9319.94 6118.60 1141.95 3625.68 7150.08
v Subsidiaries / joint ventures 7150.08 263.17 - 702.04 702.04
vi Others 5947.64 47.05 3.86 4763.69 5927.67
Provision held towards
vii depreciation (1731.23)

Total 16360.56 7340.91 1158.31 9322.90 14073.00

Note – Investment in Equities are not treated as unrated securities

Non performing Non-SLR investments:

Particulars
March 31,
2016

Opening balance of Non performing Non-SLR

investments 1010.63
Additions on account of demerger of Financing
Undertaking 457.535
Transfer on account of conversion of loans into
investments 321.45
Additions during the year -
Reductions during the year (333.99)

Closing balance of Non performing Non-SLR

investments 1134.17

Total provisions held 835.99

Business ratios

Particulars March 31, 2016

Interest income as a percentage to working funds 8.33%

Non-interest income as a percentage to working funds 1.01%
Operating profit as a percentage to working funds 1.60%
Return on assets (1.09%)
Business per employee 25.18
Profit per employee (0.21)
IDFC 2016-2017

INVESTMENTS
I VALUE OF INVESTMENTS :
PARTICULA
RS (` IN CRORE)
MARCH 31, 2016
MARCH 31, 2017 *

I GROSS VALUE OF INVESTMENTS

(a) In India 52,005.09 30,923.35

(b) Outside India - -

II PROVISIONS FOR DEPRECIATION

(a) In India (1,533.39) (1,194.74)

(b) Outside India - -

III NET VALUE OF INVESTMENTS (I- II)

(a) In India 50,471.70 29,728.61

(b) Outside India - -

NON-SLR INVESTMENT PORTFOLIO

I ISSUER COMPOSITION OF NON SLR INVESTMENTS AS AT MARCH 31, 2017 :

(` IN CRORE)

N TOTAL
O ISSUER AMOUNT EXTENT OF EXTENT OF EXTENT OF EXTENT OF
PRIVATE "BELOW "UNRATED" "UNLISTED"
INVESTMEN
PLACEMENT T SECURITIES SECURITIES
GRADE"
SECURITIES

(1) (2) (3) (4) (5) (6) (7)

i Public sector undertakings 2,332.83 222.30 - - 1,259.26

ii Financial institutions 5,146.14 2,921.92 - - 465.76
iii Banks 1,002.88 1,002.88 - - -
iv Private corporates 6,560.68 6,501.15 - - 1,958.08
v Subsidiaries / joint ventures 310.52 310.52 - - 310.52
vi Others 11,796.15 11,796.15 - - 11,796.15
Provision held towards
vii depreciation (1,533.15)

TOTAL 25,616.05 22,754.9 - - 15,789.7

 S TA N D A L O N E A C C O U N T S 1 3 3

NON PERFORMING NON-SLR

INVESTMENTS :

PARTICULARS (` IN CRORE)
MARCH 31, MARCH 31,
2017 2016

Opening balance of Non performing Non-SLR investments 412.09 -

Additions on account of demerger of Financing
Undertaking - 90.65
Transfer on account of conversion of loans into
investments - 321.45
Additions during the year - -
Reductions during the year (115.32) (0.01)

Closing balance of Non performing Non-SLR investments 296.77 412.09

Total provisions held 296.77 412.09

BUSINESS RATIOS / INFORMATION

MARCH 31,
PARTICULARS MARCH 31, 2017 2016 *

Interest income as a percentage to working funds 7.77% 8.42%

Non-interest income as a percentage to working funds 0.92% 0.83%
Operating profit as a percentage to working funds 1.60% 1.52%
Return on assets 1.04% 1.04%
Business per employee 21.32 28.78
Profit per employee 0.32 0.22
 IDBI 2016- 2017

Investments

March 31,
Particulars 2017
(` in crore)
i Gross value of investments
(a) In India 95716.49
(b) Outside India -
ii Provisions for depreciation
(a) In India (2782.07)
(b) Outside India -
iii Net value of investments (i- ii)
(a) In India 92934.41
(b) Outside India -

Non SLR Investmemt Portfolio

Issuer composition of non SLR investments as at March 31, 2017 :

(` in crore)
No Issuer Total Amount Extent of Extent of Extent of Extent of
private "below "unrated" "unlisted"
placemen
t investment Securities securities
grade"
securities

(1) (2) (3) (4) (5) (6) (7)

i Public sector undertakings 810.00 329.14 - 70.18 179.28

Financial institutions 277.93 175.68 12.50 110.62 110.62
iii Banks 120.39 - - 35.30 1.49
iv Private corporates 8307.76 4250.30 1620.55 4305.17 5202.61
v Subsidiaries / joint ventures 702.04 263.17 - 702.04 702.04
vi Others 5649.65 44.74 2.32 4312.69 5649.65
Provision held towards
vii depreciation (2743.90)

Total 13123.88 5063.02 1635.37 9536.00 11845.70

Note – Investment in Equities are not treated as unrated securities

Non performing Non-SLR investments:

Particulars
March 31,
2017

Opening balance of Non performing Non-SLR

investments 1134.17
Additions on account of demerger of Financing
Undertaking 694.33
Transfer on account of conversion of loans into
investments 311.29
Additions during the year -
Reductions during the year (333.99)

Closing balance of Non performing Non-SLR

investments 1517.20

Total provisions held 1120.96

Business ratios

Particulars March 31, 2017

Interest income as a percentage to working funds 7.39%

Non-interest income as a percentage to working funds 1.06%
Operating profit as a percentage to working funds 1.22%
Return on assets (1.37%)
Business per employee 23.45
Profit per employee (0.28)