Karnataka Bank Ltd. · NSE:KTKBANK
Karnataka Bank — The Karnataka Bank — Q3 FY2023 Earnings Presentation
69 slides from Karnataka Bank's earnings presentation, Feb 2, 2023
Slide 1: Cover letter to stock exchanges
Karnataka Bank Ltd. Your Family Bank, Across India. Regd. & Head Office Phone : 0824-2228222 P. B. No.599, Mahaveera Circle E-Mail : comsec@ktkbank.com Kankanady Website : www.karnatakabank.com Mangaluru – 575 002 CIN : L85110KA1924PLC001128 SECRETARIAL DEPARTMENT 02.02.2023 HO:SEC:269:2022-23 1. Th
Slide 2: Press Release: Consolidated Q3 Net Profit Up 105.32%
MHC.C: OR 135"5 /a.a.-r13 $ Karnataka ~r~m ~B ~k.A~!Sia· Regd. & Head Office Phone : 0824-2228424 P. B. No.599, Mahaveera Circle E-Mail : pr@ktkbank.com Kankanady Website : www.karnatakabank.com Mangaluru - 575 002 CIN : L85110KA1924PLC001128 BRANCH BANKING & DIGITAL CHANNELS DEPARTMENT PRESS RELEAS
Slide 3: Press release: business turnover and CEO comments
Bank has clocked a business turnover of Rs 1,47,128.51 crores as on 31-12-2022, with a YoY growth rate of 9.79 %, deposits of Rs 84,596.40 crores with YoY growth rate of 7.86 % and Advances of Rs 62,532.11 crores with YoY growth rate of 12.51 %. Announcing the results at the Bank' s Head Quarters at
Slide 4: Investor Presentation
Investor Presentation December 2022 99 years of consistent value creation 1
Slide 5: Contents and Disclaimer
Contents and Disclaimer Content Page Key Strengths 4 Financial Results Q3/ 9M FY23 6-44 Bank Overview 45-49 Business Strategy 50-53 Digital Banking 54-64 • This presentation has been prepared by Karnataka Bank (the “Bank”) solely for providing information about the Bank. This presentation is confide
Slide 6: Key Highlights Q3 FY23
Key Highlights Q3 FY23 Operating Profit Deposit Growth Loan Growth Asset Quality • 21.42% YoY growth in operating • CASA deposits increased by • Advances grew by 12.51% YoY • Provision Coverage Ratio profit to Rs. 1,522.47 crore 9.95% YoY increased further to 80.21% • NIM up by 48 bps YoY to 3.63% •
Slide 7: Key Strengths
Key Strengths Strong, diverse sources of income • Well balanced lending profile including Retail, Corporate Aggressive digital strategies to be and MSME future ready • Revenue diversity with a fee income ratio of 12.80% • Undergoing accelerated journey to become a highly and growing digitally focuse
Slide 8: Contents
Contents Financial Results Bank Business Digital Q3/ 9M FY23 Overview Strategy Banking 5
Slide 9: Financial Results Q3/ 9M FY23
Financial Results Q3/ 9M FY23 6
Slide 10: Q3 FY23: Brief
Q3 FY23: Brief I am pleased to report another strong quarter, extending the robust operating performance that your Bank has delivered so far this year. The Q3FY23's numbers are in continuation to the solid H1FY23 numbers already posted by your Bank, underscoring the steady progress we are making tow
Slide 11: Driving Growth & Profitability
Driving Growth &Profitability ₹ in Cr Deposits Advances (Net) Dec 22 Dec 21 Dec 22 Dec 21 84,597 78,429 7.86% 12.51% 62,532 55,578 Investments Balance Sheet Size Dec 22 Dec 21 5.21% 10.10% Dec 22 Dec 21 23,136 21,991 1,00,246 91,047 Net Profit 118.49% 21.42% Operating Profit 9M FY23 9M FY22 9M FY23
Slide 12: Expanding Spreads, Returns & Strength
Expanding Spreads, Returns & Strength NIM CRAR 9M FY23 9M FY22 9M FY23 9M FY22 3.63% 3.15% 48bps 98bps 15.13% 14.15% ROE ROA 9M FY23 9M FY22 733bps 57bps 9M FY23 9M FY22 14.74% 7.41% 1.14% 0.57% CASA 61bps 655bps PCR 9M FY23 9M FY22 9M FY23 9M FY22 31.91% 31.30% 80.21% 73.66% 9
Slide 13: Improving Quality of Assets
Improving Quality of Assets Gross NPA Net NPA 9M FY23 9M FY22 9M FY23 9M FY22 83bps 79bps 3.28% 4.11% 1.66% 2.45% Gross NPA Net NPA (Sequential) (Sequential) 8bps 6bps 9M FY23 6M FY23 9M FY23 6M FY23 3.28% 3.36% 1.66% 1.72% 10
Slide 14: Continuity of Sustained Growth
Continuity of Sustained Growth Business Turnover 1,47,129 1,41,506 1,37,170 1,38,936 1,40,000 1,34,007 1,31,264 1,28,749 1,27,028 1,27,014 1,27,171 1,27,846 1,26,267 1,26,063 1,23,280 1,23,658 1,21,340 1,20,000 1,00,000 84,597 80,387 80,577 81,634 76,922 78,429 80,000 75,655 76,215 72,929 73,826 70,
Slide 15: Headline Numbers
Headline Numbers on Standalone basis ₹ in Cr 3 Months 9 Months 12 Months Particulars Q3 FY 23 Q3 FY 22 Y-o-Y Q2 FY 23 31-12-2022 31-12-2021 Y-o-Y FY 22 Turnover 1,47,129 1,34,007 9.79% 1,41,506 1,47,129 1,34,007 9.79% 1,37,170 Asset size 1,00,246 91,047 10.10% 97,964 1,00,246 91,047 10.10% 92,041 Op
Slide 16: Summary Financial Statement
Summary Financial Statement on Standalone basis ₹ in Cr Noteworthy items impacting 3 Months 9 Months 12 Months Particulars profitability for Q3 FY23: Q3 FY 23 Q3 FY 22 Y-o-Y Q2 FY 23 31-12-2022 31-12-2021 Y-o-Y FY 22 Interest Income 1,850.80 1,565.10 18.25% 1,771.05 5,250.93 4,642.88 13.10% 6,221.66
Slide 17: Summary Consolidated Financial Statement
Summary Consolidated Financial Statement ₹ in Cr 3 Months 9 Months 12 Months Particulars Q3 FY 23 Q3 FY 22 Y-o-Y Q2 FY 23 31-12-2022 31-12-2021 Y-o-Y FY 22 Turnover (₹ in Cr) 1,47,128 1,34,007 9.79% 1,41,506 1,47,128 1,33,918 9.86% 1,37,170 Asset size (₹ in Cr) 1,00,245 90,958 10.21% 97,963 1,00,245
Slide 18: Shareholder Value
Shareholder Value Book Value (Rs per share) & EPS (Rs per share) Annualized Shareholding Pattern 251.89 30 260 242.64 231.64 223.95 228.01 210.91 210.45 217.00 217.08 219.32 204.71 208.31 212.66 213.67 210 192.06 198.37 26.54 25 Indian Public 25.28 68% 22.56 160 20 Foreign Portfolio 20.32 Investors
Slide 19: Yields, Rates & Margins
Yields, Rates & Margins ₹ in Cr 3 Months 9 Months 12 Months Particulars Q3 FY 23 Q3 FY 22 Y-o-Y Q2 FY 23 31-12-2022 31-12-2021 Y-o-Y FY 22 Interest Income Interest Income 1,850.80 1,565.10 18.25% 1,771.05 5,250.93 4,642.88 13.10% 6,221.66 Interest on Advances 1,447.13 1,195.32 21.07% 1,383.79 4,077.
Slide 20: Yields, Rates & Margins
Yields, Rates & Margins Net Interest Income: • Net Interest Income grew to Rs. 2,325.05 Cr in Q3FY23 as against Rs. 1,834.54 Cr in Q3FY22 with Y-o-Y growth of 26.74% Net Interest Margin: • Net interest Margin grew by 65bps in Q3Y23 to 3.81% Cost to Income (%) & NIM (%) 55.00 3.63 3.70 3.56 52.66 52.
Slide 21: Income & Profit (quarterly)
Income & Profit (quarterly) OPERATING REVENUE (Rs in Cr) OPERATING & NET PROFIT (Rs. In Cr) 1,200 2,031 2,055 2,200 700 578 569 584 1,000 600 532 260 205 1,762 1,900 500 412 800 356 386 196 400 301 600 1,600 300 400 803 835 200 147 623 1,300 100 200 - - 1,000 Dec-21 Sep-22 Dec-22 Dec-21 Sep-22 Dec-2
Slide 22: Other Income & Expenses
Other Income & Expenses Other Income ₹ in Cr 3 Months 9 Months 12 Months Particulars Q3 FY 23 Q3 FY 22 Y-o-Y Q2 FY 23 31-12-2022 31-12-2021 Y-o-Y FY 22 Locker Rent 1.18 1.19 -0.84% 2.38 40.19 37.09 8.36% 37.94 Debit Card Charges 2.20 1.49 47.65% 3.16 9.56 5.99 59.60% 43.74 Commission on Insurance 15
Slide 23: Productivity Ratios Trends
Productivity Ratios Trends OPERATING PROFIT PER EMPLOYEE OPERATING PROFIT PER BRANCH (RS IN CR)- ANNUALISED (RS IN CR)- ANNUALISED 0.32 3.16 0.28 2.74 0.26 2.51 0.23 0.24 0.24 2.22 2.25 2.29 0.20 0.19 0.21 2.00 1.95 2.09 0.19 0.20 0.19 0.19 1.88 1.95 1.86 1.88 0.18 0.17 0.18 1.73 1.67 1.82 BUSINESS
Slide 24: Loan Growth momentum
Loan Growth momentum TOTAL LOAN GROWTH % (Y -O-Y) 62,532 ADVANCES (NET) (RS IN CR) 59,872 58,359 56,964 56,783 55,578 54,911 54,828 54,342 54,210 54,099 53,468 53,187 52,819 16.03 51,631 51,516 13.03 12.51 10.66 10.22 10.18 7.00 5.68 3.90 4.49 2.63 1.18 0.45 -3.14 -4.76 -9.56 Advances (Gross) 75.00%
Slide 25: Trends: Loans - Deposit Ratio, Yield & Sectors
Trends: Loans - Deposit Ratio, Yield (cumulative) & Sectors CREDIT TO DEPOSIT RATIO (%) TERMINAL YIELDS 80.10 79.35 9.33 9.32 9.50 9.49 9.47 9.33 9.36 9.38 10.00 9.05 8.93 8.92 8.89 8.84 8.81 9.15 9.24 6.00 77.08 76.18 76.95 9.00 5.50 75.44 74.18 8.00 73.34 73.92 4.68 4.75 5.00 72.04 72.43 7.00 4.34
Slide 26: Loan portfolio: Geographical credit concentration
Loan portfolio: Geographical credit concentration GBC NPA Restructured Portfolio State Balance Balance Balance % to GBC % to GBC State wise % % to GBC State wise % Outstanding Outstanding Outstanding 28,122.54 44.17 915.25 1.44 3.25 2,185.76 3.43 7.77 Karnataka (25,748.11) (45.45) (1,011.26) (1.79)
Slide 27: Asset Quality – NPA & Slippage
Asset Quality – NPA & Slippage Gross NPAs (Rs. In Crs) Net NPAs (Rs. In Crs) 2,350 4.11% 4.50% 1,600 3.00% 3.90% 2,300 4.00% 1,400 2.45% 2.42% 3.28% 2.50% 2,250 3.50% 1,200 3.00% 1.66% 2.00% 2,200 1,000 2.50% 2,150 2,331 800 1.50% 2.00% 2,100 2,251 1,364 1,377 1.50% 600 2,050 1,041 1.00% 1.00% 400 2
Slide 28: Trends: Improving Recoveries & Provision Coverage
Trends: Improving Recoveries & Provision Coverage Recovery in Written Off A/Cs (Rs in Cr) Gross and Net NPA 245.72 250.00 4.99 4.82 4.91 4.84 178.17 4.78 4.64 4.41 4.55 4.52 200.00 171.56 174.32 4.11 3.97 3.90 4.03 3.36 3.28 150.00 123.14 121.56 3.16 3.75 95.82 3.48 3.33 100.00 65.09 3.08 3.01 3.19
Slide 29: Q3 FY23: NPA break-up
Q3 FY23: NPA break-up Composition of GNPA Size wise NPA Rs 1 Cr to Rs 7.5 Cr 34.42% Loss Upto Rs 1 Cr Assets 37.05% 7.36% Doubtful 61.72% Sub Standard 30.92% Rs 7.5 Cr to Rs 50 Cr Above Rs 50 Cr 3.33% 25.21% Credit Portfolio wise NPA Mid Corporate (> 7.5 Cr to upto 100 Cr) 28.53% Retail (upto 7.5 Cr
Slide 30: NPA movement
NPA movement Movement in NPA during 9M FY23 MSME 46.97% Particulars Amount Opening GNPA 2,250.82 Agriculture Additions 1,249.21 23.16% Sub Total ( A ) 3,500.03 Reduction Up-gradation 334.59 Recoveries (excluding 682.92 upgraded accts) Others Large Ent. 4.64% 9.34% Technical Write Offs 385.04 NBFC 0.
Slide 31: NPA Provisioning Breakup
NPA Provisioning Breakup Top 25 NPA accounts and provisions held (₹ crs) No. of NPA Classification Net Balance Provision held Provision % Borrowers SS 7 (3) 195.47 (52.46) 31.83 (7.89) 16.28(15.04) DS 1 8 (7) 115.62 (97.89) 72.37 (62.42) 62.59(63.77) DS 2 3(14) 39.51(298.73) 39.51(182.87) 100 (61.22
Slide 32: Asset Quality – Restructured Portfolio
Asset Quality – Restructured Portfolio (₹ crs) Restructured Portfolio –Details Q3 FY 23 Particulars FY 22 Standard NPA Total Restructured Amount 3,057.58 467.22 3,524.80 4,478.27 Provision made thereon 386.17 243.91 630.08 735.11 % Provision 12.63% 52.20% 17.88% 16.42% Q3 FY 23 Particulars SMA -2 NP
Slide 33: Asset Quality – Restructured Portfolio
Asset Quality – Restructured Portfolio Standard Restructured Portfolio –Movement Standard Restructured Portfolio –Break-up (₹ crs) Particulars Q3 FY 23 Others Personal Loans Agriculture 0.73% 2.90% 6.32% Opening balance 3,328.78 MSME CRE Fresh restructuring during the period 7.22 39.14% 5.80% Increa
Slide 34: Asset Quality – NPA & Slippage
Asset Quality – NPA & Slippage SMA 2 (₹ crs) SMA 1 (₹ crs) 1200 2.00% 1200 1.78% 2.00% 1.75% 1.69% 1.64% 1.80% 1.62% 1.58% 1.80% 1000 1000 1.41% 1.60% 1.60% 1.35% 1.40% 1.40% 800 800 1.20% 1.05% 1.20% 600 0.89% 1.00% 600 1.00% 1002.22 0.80% 967.83 997.59 971.24 890.83 869.46 897.29 0.80% 400 795.82
Slide 35: Asset Quality - Borrowers under external rating
Q3 FY23: Asset Quality - Borrowers under external rating Balance O/s Of which, NPA SMA2 Restructured book No of % share to Rating % to GBC No. of No. of No. of Borrowers (in cr) Bal o/s (cr) Bal o/s (cr) Bal o/s Std. Adv. borrowers borrowers borrowers @ AAA 18 (15) 6,407 (4,208) 10.06 (7.43) 0 (0) 0
Slide 36: Asset Quality - Top Borrowers under external rating
Q3 FY23: Asset Quality-Top 50 Borrowers under external rating Balance O/s Of which, NPA SMA2 Restructured book No of % share to Rating % to GBC No. of No. of No. of Borrowers (in cr) Bal o/s (cr) Bal o/s (cr) Bal o/s (cr) Std. Adv. borrowers borrowers borrowers @ AAA 15 (11) 6092 (3988) 9.57 (7.04)
Slide 37: Asset Quality - External rating of NBFC portfolio
Q3 FY23: Asset Quality - External rating of NBFC portfolio Balance O/s Of which, NPA SMA2 Restructured book No of % share to Rating % to GBC no. of no. of no. of Borrowers (in cr) Bal o/s (cr) Bal o/s (cr) Bal o/s (cr) Std. Adv. borrowers borrowers borrowers @ AAA 16 (14) 5657 (4208) 8.88 (7.43) 0 (
Slide 38: Asset Quality: Effective Risk Management
Asset Quality:Effective Risk Management Bank’s Risk Management practices and processes have been accredited ISO 9001: 2015 with the ISO 9001: 2015 standard on Quality Management Systems Dedicated Market Internal Credit Rating for Intelligence Unit borrowers above ₹ 25 lakh and (MIU) for ‘Pool based
Slide 39: Sustained CASA Growth
Sustained CASA Growth Healthy Share of CASA & Strong Liquidity Profile Diversified Deposit Mix 120.00% Deposits (₹ crs) 11.23% Growth rate (y-o-y) 84597 12.00% 10.59% 78429 80387 9.95% 100.00% 10.00% 7.86% 80.00% 8.00% 6.25% 67.03% 6.18% 6.23% 68.70% 67.63% 6.00% 60.00% 4.41% 3.98% 40.00% 4.00% 2.00
Slide 40: Strong Core Deposit Franchise
19,207.55 18,775.12 19,242.76 19,546.23 20,751.62 20,594.00 21,274.58 22,198.77 23,823.32 23,490.00 23,755 CASA - AMOUNT (RS IN CR) 24,549.42 26,499.59 26,429.34 26,790.39 26,991.76 25.00 26.00 27.00 28.00 29.00 30.00 31.00 33.00 34.00 32.00 Strong Core Deposit Franchise CASA - % 37
Slide 41: Capital Management - Returns & Adequacy
Capital Management - Returns & Adequacy Return on Equity (%) Return on Assets (%) 14.74% 1.20% 1.14% 14.00% 12.00% 1.00% 10.00% 0.80% 8.00% 7.41% 7.41% 0.57% 0.56% 0.60% 6.00% 0.40% 4.00% 0.20% 2.00% 0.00% 0.00% Dec-2021 Mar-2022 Dec-2022 Dec-2021 Mar-2022 Dec-2022 Capital Adequacy (%) - Basel III 1
Slide 42: Guiding Returns Towards Higher Levels
Guiding Returns Towards Higher Levels R. O. A. (%) R. O. E. (%) 1.14 1.10 14.3614.74 12.75 11.95 0.93 0.88 10.15 9.59 9.56 9.05 8.53 0.75 7.65 0.70 0.71 7.35 7.41 7.41 0.67 6.89 0.64 6.34 6.39 0.57 0.57 0.56 0.53 0.53 0.49 0.49 39
Slide 43: Capital Management - Capital Adequacy
Capital Management - Capital Adequacy Risk Weighted Assets Particulars 31-12-2021 31-03-2022 31-12-2022 82.32% 83.36% 83.70% Risk Weighted Assets- Total 52,128.30 51,855.44 54,202.95 80.50% Total Capital Fund (Basel III) 7,375.40 8,118.55 8,201.96 60.50% Total Tier I Capital 6,119.02 6,558.19 6,614.
Slide 44: Q3 FY23: Provisions
Q3 FY23: Provisions Provision Provision PCR Category during during 80.21% Q3 FY 23 Q3 FY 22 NPA 160.70 111.75 Standard advances 38.25 34.80 NPI 9.99 - 73.66% 73.47% Fair Value -59.44 -7.81 Tax 66.32 71.25 Others 15.37 -0.24 Dec-21 Mar-22 Dec-22 Total 231.19 209.75 41
Slide 45: Q3 FY23: Provisions
Q3 FY23: Provisions Sector-wise PCR % 100.00% 80.00% 60.00% 40.00% 20.00% 0.00% Staff Large Housing Personal Vehicle NBFC Infra CRE Agri MSME Housing LRD Housing Others Total Entp (CRE) Loans Loans Loan PCR %(incl TW) 100.00% 99.25% 93.39% 96.63% 68.82% 75.64% 54.22% 74.49% 24.71% 61.22% 56.93% 50.0
Slide 46: Investments
Investments Investment Investments [excl. RIDF] (Rs in crs) AFS 25% 24000 23,136.07 21,991.21 22,041.00 22000 HFT 0% 20000 18000 HTM 16000 75% 14000 12000 Duration 10000 Dec-2021 Mar-2022 Dec-2022 AFS HFT HTM TOTAL 3.42 0.00 5.34 4.89 Yield on Investment (%) Liquidity Coverage Ratio (%) 5.92% 280.02
Slide 47: Financial Strength
Financial Strength Capital and Reserves* (₹ crs) Business Turnover (₹ crs) 8000 7857 1,60,000 1,37,170 1,47,129 6965 7095 1,34,007 7000 1,40,000 6000 1,20,000 62,532 56,783 55,578 5000 1,00,000 4000 6784 7545 80,000 6654 3000 60,000 2000 84,597 40,000 78,429 80,387 1000 20,000 0 311 311 312 - Dec-21
Slide 48: Bank Overview
IGO Yoars of Hast 24 Family Bonk, Aeross india. Bank Overview
Slide 49: Overview: Serving India since 1924
Overview: Serving India since1924 Our MISSION is to be a technology Our VISION is to be savvy, customer centric progressive progressive, bank with a national presence, prosperous and well driven by the highest standards of governed Bank corporate governance and guided by sound ethical values. 12 mil
Slide 50: Overview: Serving India since 1924
Overview: Serving India since 1924 Metro Urban Semi Urban Rural 23% 28% 7 4 2 8 21 1 9 10 2 23% 1 26% 7 3 16 20 5 8 Branches ATM & Recyclers Top 5 States 52 1,445 1,463 1600 1,432 Karnataka 564 25 1400 Maharashtra 52 7 41 1200 877 885 564 859 1000 Tamilnadu 50 1 800 Andhra Pradesh 41 50 600 21 400 T
Slide 51: Overview: The First 50 Years
Overview: The First 50 Years 1924 1949 1960-66 1972 1974 Incorporation Silver Jubilee Takeover Own Head Office Golden Jubilee Incorporated on 18th of Year Sringeri Sharada Bank in building Year February with an initial paid 1960 Turnover: Rs 94.98 lakhs Bank's own multistoried Turnover: Rs 55.23 Cr
Slide 52: Overview: The next 48 years
Overview: The next 48 years and heading towards Centenary year in 2023-24 1984 1991-99 2000-17 2017-20 2020-22 Diamond Jubilee Growth Technology Transformation KBL –NxT Year Business Turnover crossed adoption & branding Transformation Project ‘KBL Operationalized wholly Rs 1000 Cr in 1991 – VIKAAS’
Slide 53: Business Strategy
Business Strategy 50
Slide 54: Core Strategy: Transformative Digitalisation
Core Strategy: Transformative Digitalisation KBL Digital Vikaas Bank of the 2.0 Future New transformation End to end digital journey solutions under KBL-NxT 51
Slide 55: Strategic Road Map
Strategic Road Map • Clients’ first choice for banking • Meaningful impact on our • Great place to work communities Responsible risk Extraordinary client Profitable revenue First class management experience growth workplace • Embrace Risk Management. • Delight the client • Acquire, Grow and retain c
Slide 56: Core Strategy: 5 Pillars for FY2022-23
Core Strategy: 5 Pillars for FY2022-23 Implementation Integrated Opening of Growth ESG of KBL-NxT Management of DBUs Management Asset Quality KBL- VIKAAS 2.0 and Cyber Fraud Management SMA, NPA, Restructured Portfolio, - Technical written-off (Digital Banking Units) as per RBI Guidelines 04 04 Credi
Slide 57: Digital Banking
Digital Banking 54
Slide 58: Digital initiatives Q3 FY23
Digital initiatives Q3 FY23 User friendly interface Opening Two Member in Account KBL Mobile Plus was of Retirees Portal Digital Banking Units for Aggregator revamped with UI/UX providing banking ecosystem and the enhancements for improved services to the customers Financial Information User custome
Slide 59: Digital Banking: Projects in pipeline
KBL @Banking Digital 99 : Projects in pipeline for Impact NxT Account Aggregator Comprehensive Financial Data @ One Place 01 S.E.E.D Secure & Compliant KYC Automation Onboarding & Compliance @ One Place 04 Ease & Experience Efficient & Empowered 02 MSME Banking Platform Comprehensive Financial servi
Slide 60: Digital Banking: Robust technology and digital platforms
Digital Banking: Robust technology and digital platforms EnabledPlatform Enabled Platformfor forDigital Digitalsanction sanctionOfOfHome State-of-art IT setITup State-of-art setwhich has enabled up which Anytime has enabled Home loans, Personal loans, Car2-wheeler loans, Personal loans, Car loans, l
Slide 61: Digital Centre of Excellence (DCoE)
Digital Banking: Digital Centre of Excellence (DCoE) Accelerating Digital Transformation Catalyst Digital Leads Enabling reach digitally 30,000+ customer queries addressed 2500+ as a Xpress Loan assistance. 04 02 Risk Reduction Improving Asset Quality ( Cibil V3 >701 Score Portfolio) 03 >77.5% 24000
Slide 62: Strong foundation of digital capabilities and enablers
Digital Banking:Strong foundation of digital capabilities and enablers Digital Mobile Banking Internet Banking KBL BHIM UPI KBL -mPassBook Channels KBL Xpress Home KBL Xpress Car KBL Xpress Cash KBL Xpress Mortgage Loan Loan Loan Loan KBL Xpress Journeys 04 KBL Xpress Term Loan CV Loan KBL Xpress SB
Slide 63: Digital adoption and underwriting
Digitaladoption Digital adoption & and underwriting underwriting 93.37% of 93.04% of customer customer transactions transactions are are through through Digital means Digital means KBL Xpress Home Loans 4.54 Customer Rating 93.04% of customer transactions are through 5 PointDigital Scale means KBL X
Slide 64: Digital Adoption: Mobile Banking
Digital Adoption: Mobile Banking No.of Regd Users(Actuals) 26,04,944 27,25,658 28,35,163 23,85,999 19,62,138 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 No. of Transactions (in 000’s) Value of Transactions (in Cr) Avg. Transactions per day (in 000’s) Avg. value of Transactions per day (in Cr) 148 134 135 71
Slide 65: Digital Channel: Debit Cards
Digital Channel: Debit Cards Debit cards Penetration Value of Transactions (in Cr) Avg. value of Transactions per day (in Cr) 148 125 134 135 106 12401 13599 11508 12186 9661 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Total ATM transactions by our Debit Card holders(lakhs) Shared Network (VISA/NFS) (lakhs)
Slide 66: Digital Channel: POS & ECOM Transactions
Digital Channel: POS & ECOM Transactions No. of Machines Installed New Machines Added 850 784 POS Installations 709 657 534 9994 9724 9535 9312 9340 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Txn ('000s) Per day ('000s) Amt (Crore) Per day (Crore) 19 3 16 14 11 2 2 2 ECOM 1.5 8 Transactions 1747 1438 1277 1
Slide 67: Digital Channel: UPI Transactions
Digital Channel: UPI Transactions No. of Transactions (in 000's) Avg. Transactions per day (in 000's) 2908 UPI Txns count 2616 2550 2263 1811 267559 232094 240643 208231 164850 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Value of Transactions (in Crore) Avg. value of Transactions per day (in Crore) 543 UPI T
Slide 68: Analytical Centre of Excellence (ACoE)
Analytical Centre of Excellence (ACoE) • Platform As a Service Retail • CASA & FD • On Prem/ Cloud Cloud Adv • Retail Adv Security Deposit • MSME • Governance Security Products • TPP Mechanism TPP • Journey Opt Enhanced Enhanced • Dashboards • Stress & NPA Mgmt Scalability, Revenue Governance Reliab
Slide 69: Thank You
Thank You 66