DCB Bank Limited · NSE:DCBBANK
DCB Bank — Q1 FY2018 Earnings Presentation
41 slides from DCB Bank's earnings presentation, Jul 15, 2017
Slide 1: Investor Presentation – Q1 FY 2018
Investor Presentation – Q1 FY 2018 July 15, 2017 DCB Bank Limited
Slide 2: Disclaimer
Disclaimer This presentation is strictly confidential and may not be copied, published, distributed, redistributed, disseminated or transmitted, directly or indirectly, in any manner. The information in this presentation is being provided by DCB Bank Limited (the “Bank”). This presentation has been
Slide 3: Branch Network June 30, 2017
Branch Network June 30, 2017 This map is for representation purpose only 3
Slide 4: Key Indicators - I
Key Indicators - I No. of Cost to Return on Return on INR mn Branches Balance Sheet Income Ratio Asset Equity Q1 FY 2018 290 243,451 57.23% 1.06% 10.73% FY 2017 262 240,464 60.04% 0.93% 10.30% FY 2016 198 191,185 58.45% 1.14% 11.59% FY 2015 154 161,323 58.83% 1.37% 14.16% FY 2014 130 129,231 62.93%
Slide 5: Key Indicators - II
Key Indicators - II INR mn Q1 FY 18 Q4 FY 17 Q1 FY 17 Y-o-Y Deposits 191,548 192,892 156,796 22% Of which CASA 51,431 46,892 36,189 42% Of which Retail Term 103,111 102,587 92,460 12% - Of which NRI Term 13,971 13,686 12,590 11% Net Advances 162,657 158,176 133,369 22% Advances (Excluding Corporate
Slide 6: Balance Sheet
Balance Sheet Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, INR mn 2012 2013 2014 2015 2016 2017 2017 Shareholder’s Equity 8,614 10,031 11,540 15,886 17,922 22,049 26,249 Deposits 63,356 83,638 103,251 126,091 149,260 192,892 191,548 Borrowings1 11,235 15,256 8,601 11,638 11,479 12,758 13,
Slide 7: Profit & Loss
Profit & Loss INR mn Q1 FY17 Q2 FY17 Q3 FY17 Q4 FY17 Q1 FY18 Net Interest Income 1,770 1,903 2,095 2,203 2,332 Other Income 601 616 641 636 857 - Commission, exchange and brokerage 379 422 403 452 519 - Profit on Sale of Investment 172 116 125 41 287 - Profit on Exchange Transaction 31 42 22 9 32 Op
Slide 8: Profit & Loss
Profit & Loss INR mn FY 2012 FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 Net Interest Income 2,277 2,844 3,684 5,082 6,195 7,971 Other Income 1,004 1,170 1,387 1,657 2,205 2,494 - Commission, exchange 786 893 999 1,193 1,405 1,657 and brokerage - Profit on Sale of 118 139 225 277 423 454 Investment - Pr
Slide 9: Deposits Mix
Deposits Mix Deposits as on Jun 30, 2017 Residential Term CASA Deposit 51% 27% Interbank Term Deposit 15% Non-Resident Term Deposit 7% Retail Deposits to Total Deposits - 79.57% * CASA includes NRI CASA. 9 DCB Bank Limited
Slide 10: Advances Mix
Advances Mix Net Advances as on Jun 30, 2017 SME + MSME, 11% Corporate Banking, Mortgages, 44% 15% AIB, 17% Commercial Vehicle, 5% Construction Finance, 3% Others, 3% Gold Loan, 2% 10 DCB Bank Limited
Slide 11: NIM, Yield and Cost of Funds
NIM, Yield and Cost of Funds Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Year Ended 2012 2013 2014 2015 2016 2017 2017 Net Interest 3.25% 3.34% 3.56% 3.72% 3.94% 4.04% 4.23% Margin Yield on 12.60% 12.75% 12.84% 12.63% 12.52% 12.03% 11.66% Advances Cost of Funds 7.11% 7.78% 7.78% 7.78% 7.
Slide 12: Non Performing Assets
Non Performing Assets Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Mar 31, Jun 30, 2012 2013 2014 2015 2016 2016 2017 2017 Gross NPA 4.40% 3.18% 1.69% 1.76% 1.51% 1.72% 1.59% 1.74% Net NPA 0.57% 0.75% 0.91% 1.01% 0.75% 0.87% 0.79% 0.92% Provision 91.17% 85.71% 80.54% 74.66% 77.55% 75.25% 73.80% 7
Slide 13: Gross NPA Movement
Gross NPA Movement INR mn Q1 2016-17 Q4 2016-17 Q1 2017-18 FY 2016-17 Opening Balance 1,974 2,279 2,542 1,974 (+) Add Fresh Slippages 578 742 856 2,613 Addition to Existing 1 4 31 7 NPAs (-) Less Recoveries 193 225 210 1,199 Upgrades 43 168 121 409 Write Offs / Sacrifice 4 90 245 444 Closing Balance
Slide 14: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, INR mn 2012 2013 2014 2015 2016 2017 2017 SLR 20,219 24,332 28,072 34,750 39,855 47,711 46,181 Non-SLR 774 5,552 4,236 4,872 3,478 10,468 9,658 Total Investments* 20,993 29,884 32,308 39,622 43,333 58,179 55,839 HTM 16,660 19,903 22,60
Slide 15: Capital Adequacy Ratios – Basel III
Capital Adequacy Ratios – Basel III Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Mar 31, Jun 30, 2012 2013 2014 2015 2016 2016 2017 2017 CRAR 15.41% 13.61% 13.71% 14.95% 14.11% 13.15% 13.76% 15.25% 13.81% 12.62% 12.86% 14.21% 12.79% 11.92% 11.87% 13.44% -- Tier I -- Tier II 1.60% 0.99% 0.85% 0.74
Slide 16: Ratings
Ratings Mar 31, Sep 30, Dec 31, Mar 31, Sep 30, Dec 31, Jun 30, 2013 2013 2014 2016 2016 2016 2017 ICRA Long Term – A+(hyb) / A+(hyb) / A+(hyb) / A+(hyb) / Subordinated - - - (stable) (stable) (stable) (stable) Debt Short – Term - - A1+ A1+ A1+ A1+ A1+ Fixed Deposits CRISIL Certificate of A1+ A1+ A1
Slide 17: Overview
Overview 17 DCB Bank Limited
Slide 18: Who is our Customer? Opportunity
Self Employed / Small Business (For example: Trader, Commodity, Gold Trader, Vegetable Trader, Commission Agent, Retailer, Restaurant Owner, Caterer, Baker, Vending Machine Supplier , Consultant, Doctor, Contractor, Interior Decorator, Software Designer, Salon, Beauty Parlor, Printer, Electrical Eng
Slide 19: Our Customers
Our Customers 19 DCB Bank Limited
Slide 20: Bearing & Engine Workshop
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Slide 21: Handicraft Business
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Slide 22: Mandi Trader
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Slide 23: Manufacturer of Agri Equipment
Manufacturer of Agri Equipment
Slide 24: Saree Store Owner
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Slide 25: Dentist
ee OCB BANK Dentist |
Slide 26: Hand Bag Manufacturer
Hand Bag Manufacturer
Slide 27: Mechanic
Mechanic
Slide 28: Business Strategy
Business Strategy 1 Concentrate on Tier 2 to 2 Relentless focus on 3 Rely mainly on Retail Deposits (Term, CASA). Tier 6 locations. Liquidity, Costs, Grow NRI deposits. Limit Operational Risks, dependency on bulk. People and Customer Service. Improve continuously. 4 Form strategic alliances 5 Contin
Slide 29: Products and Services
Products and Services Retail Banking SME, Corporate Banking, NBFCs, Co-operative Banks Deposit Products: Loans: Bills Collection Term Loans Corporate Salary Auto Loan Current Account Trade Current Account Current and Savings Commercial Vehicle Foreign Exchange Working Capital Lockers Construction Eq
Slide 30: Capital Raising and Milestones
Capital Raising and Milestones Tier I Capital Raising Milestones 2017 QIP of INR 3.8 bn 2017 Opened 250th Branch 2014 QIP of INR 2.5 bn 2016 Opened 200th Branch QIP of INR 940 mn and Preferential 2015 Opened 150th Branch 2012 Allotment of INR 1,390 mn 2013 Name changed to DCB Bank Ltd. 2009 QIP of I
Slide 31: Investor Profile as on June 30, 2017
Investor Profile as on June 30, 2017 Key Non Promoter Shareholders % Tano Mauritius India FVCI II 4.27% * Premji Invest 3.95% *AKFED and PJI Mathews India Fund 3.94% 15.02% ***Institutions 43.04% Sundaram Mutual Fund * 3.53% Others (Non- Institutions)** DSP Blackrock Micro Cap Fund 2.63% 03.51% * Bo
Slide 32: Board of Directors
Board of Directors Amin Manekia Pioneered in concept of automatic beverage vending machines in India. More than 20 years in various capacities in different institutions of AKDN for the social-economic uplift of the poor. Altaf Jiwani With expertise in Foreign Exchange, Risk Management and Trade Fina
Slide 33: Management Team
Management Team Aditya Prasad – 31 yrs work exp. Abhijit Bose - *25 yrs work exp. Head – Processes & Projects Ajay Mathur – 23 yrs work exp. Head – Chief Credit Officer Head – Collections & Commercial Vehicles Gaurav Mehta – 21 yrs work exp. Head – Marketing, PR , Corporate Kamala Kant Pandey – 22 y
Slide 34: Reward & Recognition
Reward & Recognition 34 DCB Bank Limited
Slide 35: DCB Bank awarded the Best Small Bank at the Businessworld Magna Awards 2017
DCB Bank awarded the Best Small Bank at the Businessworld Magna Awards 2017 35 DCB Bank Limited
Slide 36: Digital Update
Digital Update 36 DCB Bank Limited
Slide 37: Four pillars of digital agenda
Four pillars of digital agenda 1 2 Core Applications – continuously Mobile / Tab – create customer upgrade business applications to convenience by optimum use of support digital transformation mobile devices 3 4 Payments – innovative solutions Infrastructure – modernize to that are dynamic, secure a
Slide 38: New Personal Internet Banking Launched
New Personal Internet Banking Launched
Slide 39: New Version of Unified Payment Interface (UPI 1.5)
New Version of Unified Payment Interface (UPI 1.5)
Slide 40: iOS version of Mobile Based Retail Loan System
iOS version of Mobile Based Retail Loan System
Slide 41: Thank you
Thank you To receive investor updates from DCB Bank Ltd., write in at investorrelations@dcbbank.com . Do let us know of any change in your contact details on the same email ID. Corp. & Reg. Office: 6th Floor, Tower A, Peninsula Business Park, Senapati Bapat Marg, Lower Parel, Mumbai – 400013 CIN: L9