Any current/future new fundraising through debt or equity?

The bank has not raised capital since the QIP of Rs.1435 Crores in December 2020. Capital adequacy has improved primarily through internal resource generation. Regarding monetization of subsidiaries, IDBI Bank may monetize some holdings during the current financial year, including around 11% dilution in some stakes and potential monetization in Asia's Federal Life Insurance pending joint venture partner's call option exercise. The bank has made full provisions on the Stress Assets Stabilization Fund (SASF) bonds to gain flexibility and explore options for maximizing recoveries. No expl

Any current/future capex/capital investment/strategic investment?

IDBI Bank plans to monetize subsidiaries during the current financial year, including diluting 11% in one entity and monetizing remaining 25% in Asia's Federal Life Insurance when the joint venture partner exercises a call option (Page 13). The bank is exercising caution with large infrastructure projects due to existing portfolio concentration, focusing instead on sectors like auto, manufacturing (pharmaceutical, auto components), and capex revival (Page 10). Green shoots of private sector capex are seen with marquee projects like Navi Mumbai Airport and coastal road being funded quickly; o

Future growth expectations in sales/revenue/volumes?

IDBI Bank expects overall business growth of about 10% to 12% in the coming financial year. Advances (loans) grew by approximately 7% net and 10% gross in the recent year, with a steady corporate-to-retail mix expected to be maintained. Retail portfolio growth is targeted, with efforts on MSME, Agri, and other retail products to broaden the base. Private sector capex cycle is expected to restart in 2022-23, supported by government infrastructure push and PLI scheme approvals, aiding corporate credit growth. Working capital drawdowns by corporates have increased, signaling rising credit demand.

Future growth expectations in earnings/operating earnings/profits/EPS?

FY2022-23 profit after tax (PAT) is expected to grow with continued strong recoveries, targeted at Rs.4000 Crores (last year achieved Rs.5320 Crores). Operating profit improved by 7% in FY2022; growth momentum is expected to continue. Net Interest Income (NII) improved by 7% and is likely to grow supported by rising corporate credit and improving yields. Net Interest Margin (NIM) improved to 3.73% for FY2022 and is expected to maintain or improve with interest rate normalization. Credit cost is projected to improve to about 1.5% with slippages around 2.5%. Return on Assets (ROA) expected to cr

IDBI Bank LtdQ4 FY22Banks

IDBI Bank Ltd Q4 FY22 Earnings Call Analysis

Revenue, margin, capex, fundraise and order book outlook from management commentary.

Price: ₹80.32P/E: 10.4Market Cap: ₹86.4K CrSector: Banks

Management growth scorecard

Revenue

Category 3

Margin

Category 3

Fundraise

Order

N/A

Capex

Yes

1 of 4 growth signals are positive — mixed outlook.

Full analysis

Revenue guidance

Category 3

IDBI Bank expects overall business growth of about 10% to 12% in the coming financial year.
Advances (loans) grew by approximately 7% net and 10% gross in the recent year, with a steady corporate-to-retail mix expected to be maintained.
Retail portfolio growth is targeted, with efforts on MSME, Agri, and other retail products to broaden the base.
Private sector capex cycle is expected to restart in 2022-23, supported by government infrastructure push and PLI scheme approvals, aiding corporate credit growth.
Working capital drawdowns by corporates have increased, signaling rising credit demand.
NIM (Net Interest Margin) is targeted to be maintained at least 3.25%.
ROA is expected to cross 1%, and ROE is projected above 14%.
Cost-to-income ratio to be maintained below 48%.
Recovery momentum is expected to continue, with recoveries targeted around Rs. 4000 Crores in FY2023.

Margin guidance

Category 3

FY2022-23 profit after tax (PAT) is expected to grow with continued strong recoveries, targeted at Rs.4000 Crores (last year achieved Rs.5320 Crores).
Operating profit improved by 7% in FY2022; growth momentum is expected to continue.
Net Interest Income (NII) improved by 7% and is likely to grow supported by rising corporate credit and improving yields.
Net Interest Margin (NIM) improved to 3.73% for FY2022 and is expected to maintain or improve with interest rate normalization.
Credit cost is projected to improve to about 1.5% with slippages around 2.5%.
Return on Assets (ROA) expected to cross 1% and Return on Equity (ROE) targeted above 14% in FY2023.
Cost-to-income ratio targeted to stay below 48%, supporting profitability.
Growth in advances expected in the 10%-12% range driven by retail and corporate sectors.
Overall, earnings growth is expected to sustain with steady credit growth, controlled costs, and strong recoveries.

See what IDBI Bank Ltd management said on margin guidance — free account, 30 seconds.

Fundraise plans

The bank has not raised capital since the QIP of Rs.1435 Crores in December 2020.
Capital adequacy has improved primarily through internal resource generation.
Regarding monetization of subsidiaries, IDBI Bank may monetize some holdings during the current financial year, including around 11% dilution in some stakes and potential monetization in Asia's Federal Life Insurance pending joint venture partner's call option exercise.
The bank has made full provisions on the Stress Assets Stabilization Fund (SASF) bonds to gain flexibility and explore options for maximizing recoveries.
No explicit mention of new debt or equity fundraising planned imminently; focus appears on internal capital generation and selective monetization of subsidiaries.

Order book

The provided transcript pages from the IDBI Bank Limited Q4 FY2022 results call do not contain explicit details regarding the current or expected order book or pending orders. The discussion primarily focuses on: - Credit slippage and provisioning levels. - Asset quality trends including NPAs and restructuring. - Capital adequacy and CET1 movements. - Recovery performance and guidance for FY2023. - Loan book growth, especially housing loans. - Provisions for contingencies like the Stress Assets Stabilisation Fund. - Deposit composition and digital banking footprints. - Macro-economic and capex trends impacting credit demand. No specific mention or quantitative data is given about order book size or pending orders in this transcript section. If you are looking for order book specifics for IDBI Bank or related entities, this document does not provide that information.

See what IDBI Bank Ltd management said on order book — free account, 30 seconds.

Capex plans

Yes

IDBI Bank plans to monetize subsidiaries during the current financial year, including diluting 11% in one entity and monetizing remaining 25% in Asia's Federal Life Insurance when the joint venture partner exercises a call option (Page 13).
The bank is exercising caution with large infrastructure projects due to existing portfolio concentration, focusing instead on sectors like auto, manufacturing (pharmaceutical, auto components), and capex revival (Page 10).
Green shoots of private sector capex are seen with marquee projects like Navi Mumbai Airport and coastal road being funded quickly; overall capex cycle expected to pick up in 2022-23 (Page 10).
Bank expects growth of about 10-12% next year, indicating ongoing investments to support business expansion (Page 15).
No explicit mention of large new capital investments by the bank itself beyond subsidiary monetizations and selective sector focus.

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IDBI Bank Ltd Q4 FY22 Earnings Call Analysis

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What IDBI Bank Ltd's management said in earlier quarters

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