RBL Bank Ltd. · NSE:RBLBANK
RBL Bank — Investor Presentation (September 2016)
24 slides from RBL Bank's investor presentation, September 2016
Slide 1: Investor Presentation
September 2016 Strictly Private & Confidential Investor Presentation
Slide 2: Disclaimer
Disclaimer By attending the meeting where this presentation is made, or by reading the presentation materials, you agree to be bound by the following limitations: The information in this presentation has been prepared by RBL Bank Limited (the “Company”) for use in presentations by the Company at inv
Slide 3: Glossary and Key Notes
Glossary and Key Notes AB Agribusiness Banking NH National Highway ATM Automated Teller Machine NIM Net Interest Margin BBB Branch and Business Banking NII Net Interest Income C&IB Corporate & Institutional Banking NPA Non-Performing Assets CAGR Compounded Annual Growth Rate NRI Non-Resident Indian
Slide 4: 1. RBL Bank Snapshot
1. RBL Bank Snapshot
Slide 5: Our Overview
Our Overview FY16 Financial Highlights Business Today Best Bank Overall (Small) & Best Bank (Quality of Assets) Business Today – KPMG Best Bank Survey 2015 Business Today India’s Best Bank (Growth) – Mid-Sized Bank Segment Business Today – KPMG Best Bank Survey 2012-15 World Economic Forum Global Gr
Slide 6: Key Investment Highlights
Key Investment Highlights 1. One of India’s Fastest Growing Private Sector Banks in the Last Six Years 2. Robust Corporate Governance Framework as Well as Experienced Management Team 3. Focus on Effective Risk Management and Asset Quality 4. Focus on Operational Quality and Scalability 5. Leveraging
Slide 7: Our Journey
Our Journey Transformation from Traditional to a ‘New Age’ bank One of India’s fastest growing private sector banks in the last six years(1) Total Assets 5x $5,934 (INR mn) BBB BBB 391,601 CB CB T&FM CB T&FM $1,092 C&IB C&IB 72,073 C&IB DB&FI FY12 FY16 DB&FI AB DB&FI AB $198 NII + Other Income 5x 13
Slide 8: Key Business Segments
Key Business Segments 1 2 C&IB CB Corporate & • Working capital bank for • Transaction banking focus large corporates Institutional Commercial for emerging and fast Banking Banking growing enterprises INR 81,860 / US$ 1,240mn(1) INR 45,132 / US$ 684mn(1) CAGR (FY14-16) ~51% CAGR (FY14-16) ~3
Slide 9: Robust Multi-Channel Distribution System
Robust Multi-Channel Distribution System Growing Branch Network (FY16) Customer Touch-points Expansion Focused Around NH-8 and NH-4 • Well diversified branch presence across metros, Belt (1) urban, semi-urban and rural areas Branches • 197 branches and 362 ATMs as of March 31, 2016 across 16 Indian
Slide 10: Our Strategy: Focused Differentiation
Our Strategy: Focused Differentiation Become a “Bank of Choice” by Building Relationships Through Trust and Respect of Our Customers Client Segment Strategy + Growing and Leveraging on Distribution Network Client Relationships Targeted Presence Build Human Capital Brand Development & Offerings Custo
Slide 11: Growth Across Segments
Growth Across Segments Total Net Advances Non Performing Assets (INR mn) (as % of Total Advances) $3,217 212,291 • One of India’s fastest growing $2,189 private sector banks in the last six 144,498 years $1,490 0.98% 98,351 $966 0.79% 0.77% 63,762 0.40% 0.59% 0.31% 0.27% 0.11% FY13 FY14 FY15 FY16 FY
Slide 12: Improving Liability Profile with Strong Growth in CASA
Improving Liability Profile with Strong Growth in CASA Demand Deposits Savings Deposits (INR mn) (INR mn) As % of Total As % of Total Deposits 15% 13% 11% Deposits 6% 6% 7% $421 $266 27,796 17,582 $333 21,998 $256 16,915 $145 • Achieving a strong and lasting $168 $103 9,576 11,099 $81 CASA base is o
Slide 13: Strong Operating Performance with Growth in Other Income
Strong Operating Performance with Growth in Other Income Net Interest Income(1) Net Profit(2) Cost to Income Ratio and Other Income to (INR mn) (INR mn) Total Net Income Ratio(4) Dividend Payout (%) Ratio(3) 27% 18% 17% $124 8,192 $44 2,925 70.4% $84 62.5% $31 58.4% 58.6% 5,564 2,072 43.3% 42.0% $52
Slide 14: Key Operating Parameters
Key Operating Parameters Yield(1), Cost of Funds and NIM Return on Equity(2) and Return on Assets(3) (%) (%) 10.9% 11.3% 10.6% 10.6% 9.9% 9.6% 7.3% 9.2% 9.2% 8.0% 8.9% 5.4% • Healthy NIMs through Interest rate 3.2% 2.7% 3.0% 3.0% cycles 1.05% 0.66% 1.02% 0.98% FY13 FY14 FY15 FY16 FY13 FY14 FY15 FY16
Slide 15: Key Investment Highlights - Recap
Key Investment Highlights - Recap 1. One of India’s Fastest Growing Private Sector Banks in the Last Six Years 2. Robust Corporate Governance Framework as Well as Experienced Management Team 3. Focus on Effective Risk Management and Asset Quality 4. Focus on Operational Quality and Scalability 5. Le
Slide 16: Appendix
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Slide 17: A. Financials
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Slide 18: Balance Sheet
Balance Sheet Financial Year Ending March 31, Financial Year Ending March 31, CAGR 2013 2014 2015 2016 2013 2014 2015 2016 FY13-16 (INR mn) (US$ mn) % Liabilities Share Capital 2,529 2,720 2,935 3,247 38.3 41.2 44.5 49.2 8.7% Share Application - 1,295 - - - 19.6 - - Money Reserves(1) 13,527 16,122 1
Slide 19: Income Statement
Income Statement Financial Year Ending March 31, Financial Year Ending March 31, CAGR 2013 2014 2015 2016 2013 2014 2015 2016 FY13-16 (INR mn) (US$ mn) % Income Statement Interest Earned (A) 8,793 13,516 19,531 27,443 133.2 204.8 295.9 415.8 46.1% Interest Expense (B) (6,218) (10,100) (13,967) (19,2
Slide 20: Key Financial Metrics
Key Financial Metrics Key Financial Metrics FY14 FY15 FY16 CASA Ratio (%) (1) 20.4% 18.5% 18.6% Gross NPA (%) 0.8% 0.8% 1.0% Net NPA (%) 0.3% 0.3% 0.6% EPS 3.61 7.00 9.43 RoA (%) 0.7% 1.0% 1.0% RoE (%) 5.4% 9.6% 11.3% Cost to income Ratio (%) (2) 70.4% 62.5% 58.6% NIMs (%) 2.7% 3.0% 3.0% Tier 1 (%)
Slide 21: B. Board & Management Team
XX EE | DO reteank | 7//\\\\ am g a Z Board & Management Team
Slide 22: Professional and Experienced Leadership Team
Professional and Experienced Leadership Team Board of Directors Mr. Vishwavir Ahuja Mr. Palepu Sudhir Rao Managing Director and CEO Independent Director Previously, Managing Director & Country Executive Officer of Bank Currently, Associated with a Number of Corporates including Aditya of America for
Slide 23: Professional and Experienced Leadership Team (Cont'd)
Professional and Experienced Leadership Team (Cont’d) Experienced and Professional Management Team Mr. Vishwavir Ahuja Mr. R. Gurumurthy Managing Director and CEO Head – Risk and Governance Previously, Managing Director & Country Executive Officer of Bank Previously, associated with Standard Charter
Slide 24: Professional and Experienced Leadership Team (Cont'd)
Professional and Experienced Leadership Team (Cont’d) Experienced and Professional Management Team (Cont’d) Mr. Surinder Chawla Mr. Rana Vikram Anand Head – Geography, Business and Branch Banking Head – Segments and Products, Business and Branch Banking Previously, associated with Standard Chartered