IDBI Bank Ltd

- There is no specific mention of any immediate or future fundraising through debt or equity by IDBI Bank in the provided transcript. - On Page 11, a question about net worth requirements for a divestment consortium (₹22,500 Crores at NOFHC level) was raised, but no detailed response about fundraising methods (debt or equity) was given. - The management did not provide comments on divestment or fundraising plans during the call. - The bank currently has comfortable capital adequacy ratios (Tier 1 at 17%, CRAR about 19.5%) indicating sufficient capital buffer, reducing immediate need for capital raising. - Liquidity is comfortable with a high LCR (~140%) and scope to increase bulk deposits by adjusting interest rates if needed (Page 15), suggesting internal liquidity management rather than external fundraising. - Overall, no explicit plans for new debt or equity fundraising were disclosed in this earnings call.

- The management mentioned a revival in the private sector investment cycle after a low period of about 3 years. - Both brownfield and greenfield investment projects are beginning, indicating an active investment environment. - Fresh Capex is expected to increase, which should contribute to robust credit demand over the next 2 years. - While no specific capital expenditure or strategic investment by IDBI Bank itself was detailed, the focus is on leveraging the growth in credit demand fueled by the ongoing investment activities. - The bank plans to maintain a calibrated growth strategy in corporate advances, aiming for 10-15% growth, supporting investment in the corporate sector.

- Private sector investment, which was low in the last 3 years, is now picking up with fresh Capex and both brownfield and greenfield projects underway, expected to boost credit demand. - Credit growth is anticipated to be robust over the next 2 years due to pent-up demand in retail loans (e.g., housing, consumer finance) and increased utilization of working capital by corporates amid inflation and rising commodity prices. - Corporate credit growth is normalizing post-PCA exit, with a targeted 10-15% growth in advances in coming quarters. - The bank aims for balanced, quality growth rather than aggressive lending to maintain asset quality. - Deposit growth strategies include increasing deposit rates and bulk deposits, leveraging excess liquidity and competitive interest rates, indicating expected growth in deposits alongside credit. - Overall, sustained business growth, improved NIM, and robust operating performance indicate positive revenue growth trajectory.

- IDBI Bank is posting good performance every quarter with the highest-ever quarterly net profit of Rs. 828 Crores for Q2 FY2023, showing 46% YoY and 10% QoQ growth. - Operating profit grew 64% YoY and 8% QoQ, supported by a 48% YoY increase in net interest income (NII). - The bank expects credit growth to remain robust over the next 2 years driven by revival in private sector investments and pent-up retail demand. - Business growth target includes 10-15% credit growth in coming quarters, with a calibrated approach maintaining asset quality. - Cost-to-income ratio remains well-controlled; NIM improved to 4.37%, supporting profitability. - Proactive provisioning has been done; tax rate normalization is expected with no repeat of one-time deferred tax adjustment. - Management expresses confidence in sustaining and further improving quarterly earnings and overall performance going forward.

- The transcript does not explicitly mention the current or expected order book or pending orders for IDBI Bank. - However, it does highlight that credit demand is strong and growing in both retail and corporate segments. - Corporate credit utilization is increasing due to inflation, commodity prices, and higher capacity utilization. - Investment cycles in corporate sectors are picking up, with sanctions happening and drawdowns expected. - The bank is confident about 10-15% credit growth in coming quarters. - Bulk deposits have grown from about 7,000-7,500 Crores three years ago to around 10,000 Crores now, indicating scope for deposit growth. - Liquidity is comfortable, with an LCR at about 140%, providing flexibility to increase deposits and credit. - Overall, credit demand outlook is expected to hold up or improve in the near term. No direct order book or pending order figures are provided in the text.