Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q1 FY2021 Earnings Presentation
31 slides from Dcb Bank's earnings presentation, Aug 8, 2020
Slide 1: Exchange filing cover letter
Ref. No.CO:CS:RC:2020-21:077 August 08, 2020 BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Fort, Bandra (E), Mumbai - 400 023. Mumbai – 400 051. Dear Sirs, BSE Scrip Code No.: 532772 NSE SYMBOL: DCBBANK In the at
Slide 2: Investor Presentation – Q1 FY 2021
Investor Presentation – Q1 FY 2021 August 08, 2020 DCB Bank Limited
Slide 3: 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 4: Branch Network June 30, 2020
Branch Network June 30, 2020 This map is for representation purpose only DCB Bank Limited 3
Slide 5: Key Indicators - I
Key Indicators - I No. of Cost to Income Return on Return on INR mn Balance Sheet Branches Ratio Asset Equity Q1 FY 2021 341 381,556 50.26% 0.82% *9.86% FY 2020 336 385,051 54.53% 0.90% *11.19% FY 2019 333 357,918 56.88% 0.99% *12.08% FY 2018 318 302,221 59.79% 0.94% *10.31% FY 2017 262 240,464 60.0
Slide 6: Key Indicators - II
Key Indicators - II INR mn Q1 FY 21 Q4 FY 20 Q1 FY 20 Y-o-Y Deposits 294,321 303,699 287,892 2% Of which CASA 64,551 65,192 70,618 (9%) Of which Certificate of Deposits 0 6,081 4,696 (100%) Of which Term Deposit 229,770 232,426 212,578 8% - Of which NRI Term 26,213 26,133 18,330 43% - Of which Inter
Slide 7: Balance Sheet
Balance Sheet Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, INR mn 2019 2014 2015 2016 2017 2018 2020 2020 Shareholder’s Equity 11,540 15,886 17,922 22,049 28,078 31,156 34,222 35,016 Deposits 103,251 126,091 149,260 192,892 240,069 284,351 303,699 294,321 Borrowings 8,601 11,638 1
Slide 8: Profit & Loss
Profit & Loss INR mn Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Net Interest Income 3,047 3,133 3,231 3,237 3,067 Other Income 868 1,014 931 1,099 776 - Commission, exchange 546 578 625 664 269 and brokerage - Profit on Sale of Investment 159 249 70 174 380 - Profit on Exchange Transaction 55 34 51 52
Slide 9: Profit & Loss
Profit & Loss INR mn FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 Net Interest Income 5,082 6,195 7,971 9,954 11,493 12,649 Other Income 1,657 2,205 2,488 3,103 3,502 3,911 - Commission, exchange and brokerage 1,193 1,405 1,651 2,176 2,399 2,412 - Profit on Sale of Investment 277 423 454 454 386
Slide 10: Deposits Mix
Deposits Mix Deposits as on Jun 30, 2020 Residential Term *CASA Deposit 57% 22% Interbank Term Deposit 12% Non-Resident Term Deposit 9% * CASA includes NRI CASA 9 DCB Bank Limited
Slide 11: Advances Mix
Advances Mix Net Advances as on Jun 30, 2020 SME + MSME, 11% Corporate Banking, Mortgages, 42% 12% AIB, 21% Commercial Vehicle, 7% Construction Gold Loan, 3% Finance, 2% Others, 2% 10 DCB Bank Limited
Slide 12: NIM, Yield and Cost of Funds
NIM, Yield and Cost of Funds Year Ended FY FY FY FY FY FY Q1 FY 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 Net Interest 3.72% 3.94% 4.04% 4.16% 3.83% 3.67% *3.42% Margin (NIM) Yield on 12.63% 12.52% 12.03% 11.41% 11.29% 11.50% 11.13% Advances Cost of 7.67% 7.48% 6.91% 6.37% 6.61% 6.96%
Slide 13: Non Performing Assets
Non Performing Assets Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Mar 31, Jun 30, 2015 2016 2017 2018 2019 2019 2020 2020 Gross NPA 1.76% 1.51% 1.59% 1.79% 1.84% 1.96% 2.46% 2.44% Net NPA 1.01% 0.75% 0.79% 0.72% 0.65% 0.81% 1.16% 0.99% Provision 74.66% 77.55% 73.80% 75.72% 78.77% 75.59% 70.81% 7
Slide 14: Gross NPA Movement
Gross NPA Movement INR mn Q1 2019-20 Q4 2019-20 Q1 2020-21 FY 2019-20 Opening Balance 4,395 5,520 6,315 4,395 (+) Add 1 Fresh Slippages 1,454 1,498 52 6,577 Addition to Existing 28 11 32 63 NPAs (-) Less 2 Recoveries 311 326 98 1,725 Upgrades 369 387 18 1,792 3 Write Offs / Sacrifice 433 1 65 1,203
Slide 15: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, INR mn 2014 2015 2016 2017 2018 2019 2020 2020 SLR 28,072 34,750 39,855 47,711 49,091 60,007 61,363 61,526 Non-SLR 4,236 4,872 3,478 10,468 13,099 18,434 16,052 15,742 Total 32,308 39,622 43,333 58,179 62,190 78,441 77,415 77,2
Slide 16: Capital Adequacy Ratios – Basel III
Capital Adequacy Ratios – Basel III Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, 2014 2015 2016 2017 2018 2019 2020 2020 CRAR 13.71% 14.95% 14.11% 13.76% 16.47% 16.81% 17.75% 17.91% -- Tier I 12.86% 14.21% 12.79% 11.87% 12.72% 13.10% 13.90% 13.92% -- Tier II 0.85% 0.74% 1.32% 1.89
Slide 17: Ratings
Ratings Sep 30, Dec 31, Mar 31, Mar 30, Mar 30, Mar 31, Jun 30, 2013 2014 2016 2017 2018 2019 2020 CRISIL Long Term – A+/ AA-/ AA-/ Subordinated - - - - Stable Stable Stable Debt Certificates of A1+ A1+ A1+ A1+ A1+ A1+ A1+ Deposit Short – Term Fixed A1+ A1+ A1+ A1+ A1+ A1+ A1+ Deposits ICRA Long Ter
Slide 18: Overview
Overview 17 DCB Bank Limited
Slide 19: 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 L
Slide 20: Investor Profile as on June 30, 2020
Investor Profile as on June 30, 2020 Key Non Promoter Shareholders % Bodies Aditya Birla Sunlife Mutual Fund* 4.83% Corporate ***Institutions 4.28% ICICI Prudential Mutual Fund* 4.50% 51.02% HDFC Small Cap Fund 4.43% India Advantage Fund S4 I 4.02% DSP Small Cap Fund 3.43% Franklin India Smaller Com
Slide 21: Board of Directors
Board of Directors Has held leadership positions in various organizations, such as Uniliver group, RPG group, etc. Ashok Barat He superannuated in 2016 as Managing Director & CEO, Forbes & Company Ltd. He has been a Member (and Chairman in some) of the Boards of various companies-listed and private.
Slide 22: Management Team
Management Team Abhijit Bose - *29 yrs work exp. Aditya Prasad – 35 yrs work exp. Ajay Mathur – 27 yrs work exp. Chief Credit Officer Chief Compliance Officer Head – Collections & Commercial Vehicles Ajit Kumar Singh - 28 yrs work exp. T P Anuradha – 18 yrs work exp. Bappa Roy – 30 yrs work exp. Hea
Slide 23: Digital Update
Digital Update 22 DCB Bank Limited
Slide 24: DCB Health Plus Fixed Deposit launched with Health Insurance Benefits
DCB Health Plus Fixed Deposit launched with Health Insurance Benefits 23 DCB Bank Limited
Slide 25: New features added to DCB Mobile Banking
A number of new features added to DCB Mobile Banking to enhance customer experience 24 DCB Bank Limited
Slide 26: New features added to DCB Zippi Online Fixed Deposit
New features added to DCB Zippi Online Fixed Deposit such as Video KYC. Customers now complete full KYC through the virtual video booth. 25 DCB Bank Limited
Slide 27: DCB Bank launches Green Print Password for Internet Banking Users
Image: www.pexels.com DCB Bank launches Green Print Password for Internet Banking Users 26 DCB Bank Limited
Slide 28: New features added to Internet Banking
New features added to Internet Banking such as Account Statements available upto 3 months, Form 15G/H, internet login alert via SMS and Email to the account holderful. 27 DCB Bank Limited
Slide 29: UPI daily funds transfer limit increased to INR 25,000
Feature enhancement, daily funds transfer limit via UPI increased to INR 25,000 for customers.
Slide 30: DCB Bank Branch App launched for Covid-19 Social Distancing
DCB Bank Branch App launched as a part of Covid-19 Social Distancing Initiative for Branches.
Slide 31: 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