Central Bank Of India · NSE:CENTRALBK

Central Bank Of India — Q2 FY2020 Earnings Presentation

35 slides from Central Bank Of India's earnings presentation, Nov 2, 2019

  1. Slide 1: Exchange filing cover letter for results presentation

    ~aicn anq;- ~{gm ~Gt~ 3Ug, ~tgm Central Bank of India 1911 ~ 3lT'f<l; fm1 "~' CENTRA~ TO YOU SINCE 1911 Central Office CO:MBD:2019-20:574 2nd November, 2019 National Stock Exchange of India Limited General Manager Listing Department Corporate Relationship Deptt Exchange Plaza, Bombay Stock Exchange

  2. Slide 2: Quarterly/Half Yearly Financial Results 30.09.2019 Analyst Presentation

    1911 ~ ~ ~ H~" "CENTRAL" TO YOU SINCE 1911 •• Quarterly/Half YearlyFinancial n "'f'O". __ ~~ ._;..- - •...• ..•. -- .~-~- Results 30.09.2019 Analyst Presentation ~~~'t~ ~ ~ 1frifTuI_ -,_..-y_c:..1II __ Cet\~1Ic Financial MtVk:es hmated t UTTARBANGA kSHEnUYA GIWUN BAJlK . . _.. • , - - .. .•~. - , "

  3. Slide 3: Safe Harbour

    Safe Harbour Certain statements in these slides are forward-looking statements. These statements are based on Management's current expectations and are subject to uncertainty and changes in circumstances. Actual outcomes may differ materially from those included in these statements due to a variety

  4. Slide 4: Vision

    ISIO 1i To be CE TRAL Ce trl o the banking sa ces a d I-na cial h needs 01 al·l.

  5. Slide 5: Contents

    CONTENTS -- > ~ RECENT INITIATIVES PERFORMANCE HIGHLIGHTS FINANCIAL PERFORMANCE - - -- -- ASSET QUALITY CAPITAL ADEQUACY PROFITABI LITY DIGITAL BANKING FINANCIAL INCLUSION CONSOLIDATED FINANCIALS 4

  6. Slide 6: Recent Initiatives: Organizational Restructuring

    ~. ~ 't'Ii'm 1 C~, Io1IW01 rrwJio """~"'_.\"!.""'~"', \~-- ~\ V Organizational Restructuring by creating 31 new Regional Offices and reducing the number of Zonal Offices from 13 to 10 for better focus on the business. V 7 CFBs and 6 MCBs are reporting directly to Corporate Office for ensuring faster

  7. Slide 7: Recent Initiatives: Processing branches and new products

    ~~", ~ , C.mrcf le"" •. 'r • ~ ' ••• .J~ ~-" 'iI'tzn M rtttrNII .~;"'~' •••.• c •• ./ 49 Centralised Credit. Processing Branches have been set up for sanction, documentation, disbursement and post disbursal monitoring of Retail Loans for" ensuring quality in Retail Loan processing . ./ 20 Agri Proce

  8. Slide 8: Shareholding Pattern

    0.55% 0.15% ~::::.----- 0.09% 0.27% ~ • Govt of India • Bank & PI s • PII s • Insurance Cos . • Other Body Cos .• Public .NRI Others 7

  9. Slide 9: Branch Network

    *PJ"~ W'filn ,.~.- CM#ro' .,.. ~ I4IIt11t M htdto , N 30/06/2019 30/09/2019 Total Branches 4659 4681 Rural 1604 1604 Semi Urban 1345 1341 Urban 827 827 , Metro * 883 909 * Includes 56 Specialised Branches(CCPB,SAM), 42 in Metro and 14 in Urban centres. Metro 19%~_-, Rural 34% Urban 18% Semi Urban 29

  10. Slide 10: Performance Highlights

    ~ •••~.1tznl I~¥. C~, T IoItk 01 frtclIo , - - Net profit improved to Rs. 134.07 er in Q2 FY'20 compare to loss of Rs. 924 er in Q2 FY' 19. CASA share in Total Deposits has improved from 43.50 % as at the end of Q2 FY' 19 to 45.49% as at the end of Q2 FY'20. Total Deposits increased by Rs. 8,987 er

  11. Slide 11: Key Performance Parameters

    Y-o-Y 1891 Cr 1678 Cr 76.89% 76.89% 76.85% 67.74%

  12. Slide 12: Operating Profit, Provisions and Credit Cost

    p F I y-o-y Q-o-Q 2801 er 2233 er 1220 er 1220 er Credit Cost 11 .

  13. Slide 13: Net Interest Margin and Net Interest Income

    ~ ..•.. · ... ~' C.ltfIof k,,* 01frIdi., "'''''" " -,.-- ~, . , y Net Interest Margin(%) Net Interest Income (Rs. in Crore) 2.82 1891 Sep 2018 Mar 2019 Jun 2019 Sep 2019 Sep 2018 Mar 2019 Jun 2019 Sep 2019 liquidity Coverage Ratio (%) Cost to Income Ratio(%) 340.03 327.47 76.74 62.07* Sep 2018 Mar 2

  14. Slide 14: Cost of Deposit, Credit Cost, Yield and ROA

    r ~ "~.:. #~ ~"'.HI'VJ~' CfJtM:If &omit 01 trt4'dI .,. '" ~~-, ~, , ...., Cost of Deposit(%) Credit Cost(%) 10.88 5.25 5.18 5.13 5.10 Sep 2018 Mar 2019 Jun 2019 Sep 2019 Sep 2018 Mar 2019 Jun 2019 Sep 2019 Yield on Advances (%) Return on Assets (ROA)(%) 7.62 0.15 0.17 7.38 7.34 Jun 2019 Sep 2019 6.8

  15. Slide 15: Deposits and CASA

    . - , ~h'~~ Ct.MI'fIt Ioltk of tttJ;o Rs. in er ~"ftw;..N_" .-,. ,< .~~ ~ ,_., Deposits CASA 138555 138599 304679 Sep 2018 Mar 2019 Jun 2019 Sep 2019 Sep 2018 Mar 2019 Jun 2019 Sep 2019 Sep-18 High Cost High Cost Sep-19 Deposit Current Current 5% Deposit 0% 0% 5% Savings Core Time Core Time 39% Depo

  16. Slide 16: Business Trend: Advances

    - - ~*IIr..}ffgJ ~ c~t iIItIrtok,~ fit4ffi' Business Trend Advances 174189 Rs. in er 167729 168401 165102 Sep 2018 Mar 2019 Jun 2019 Sep 2019 Sept2018 RETAIL CORPORATE 28% RETAIL 34% 28% SEPT 2019 •• AGRI P--21% 17% SECTORS Sep 2019(Q2) Sep 2018(Q2) YoY Growth (0/0) RETAIL 47617 48300 -1.37 AGRICULT

  17. Slide 17: Segment-wise SMA

    " . ~ hi .)Jt'gr; J"/'i'm ,."tro' 1011III 01 ttttlitl ~,-, • ~ ",. v<.. ~ " • y-~ 17358 16795 1785 14426 1470 1612 5558 RETAIL 7446 5297 .AGRI SME 5526 5775 • Corporate 5396 Sept 18 Mar 19 Sept 19 Segment wise SMA Q2FY20 Q2FY19 FY19 Corporate 4241 2352 2121 SME 5526 5775 5396 AGRI 5558 7446 5297 RET

  18. Slide 18: Segment-wise Restructured Accounts

    ~"Jd'IJs~'i C~tto' 80'* 01rMoIl " 'i" .~ .' ~ y- • RETAIL AGRI • SME • Corporate Sept 18 Mar 19 Sept 19 Rs in er Segmentwise Q2FY20 Q2FY19 FY19 Corporate 833 1023 968 SME 526 24 536 AGRI 238 98 183 RETAIL 167 108 169 Total 1764 1253 1856 . *Restructurmg of Retail, MSEand Agnculture . .. accounts as

  19. Slide 19: Movement of Gross NPAs

    ~ •• ~ 'f'fitiiy , C/lll1f'C' ~ 01 Wo ~«••~" .•" '" .• " ••.•••••.•••• ...--:~, --. y Opening Gross NPAs 38778 32356 32908 38131 Sli a e ofPA to NPAs 2579 2141 1199 7992 Increase in balance of existing NPAs 174 92 21 2337 Sub Total 2753 2233 1220 10329 Less: radation U 27 434 38 568 Recovery (Includ

  20. Slide 20: Gross and Net NPA Trend

    ~. ~ 'f'filI'J C.ttflct Icrtlt 01 frt4jtl •• ., .,- " ..,. ~,~, r ::1----------------------- 21 -.... ~ 19 17 15 -Gross NPA% -NetNPA% 13 11 9 ~ ....••••••..... 7 5 Sept 18 Mar 19 June 19 Sept 19 Rs. in Crore Particulars 30-Sep-18 31-Mar-19 30-Jun-19 30-Sep-19 Gross Advances 174189 167729 165102 1684

  21. Slide 21: Provision Coverage Ratio and Slippage

    • ~ • .JIt'V5 J'fi'm . c.,wo' Io~ 01fttd#:r "'-. ~.'- .~ ."'''''' --..~ .--... y 76.60 76.85 76.89 67.74 Sept 18 Mar 19 June 19 Sep 19 1.79 1.81 1.58 0.90 Sep 2018 Mar 2019 Jun 2019 Sep 2019 20

  22. Slide 22: Capital Adequacy / Leverage Ratio

    • ~ CUtfrct le'" •.. ~~' 01 ftttl'HI Capital Adequacy/ Leverage Ratio •• " ,~ •••• r _, , Capital Adequacy Ratio 12.69 9.61 9.58 8.71 Sept 2018 March 2019 June 2019 Sept 2019 leverage Ratio 4.37 3.15 3.24 3.31 Sep 2018 Mar 2019 Jun 2019 Sep 2019 21

  23. Slide 23: Profit and Loss Summary

    (Rs in Crore) 1.Total Income 6704 6493 6197 13197 12102 9.05 3.25 8.18 1.1 Interest Income 5890 5714 5685 11604 11379 1.98 3.08 3.61 1.2 Other Income 814 779 512 1593 723 120.33 4.49 58.98 2 Total Expenses 5678 5389 5688 11067 11209 -1.27 5.36 -0.18 2.1 Interest Expended 3999 3924 4010 7923 8024 -1.

  24. Slide 24: Income Breakdown

    c~, ~ ....... ~~ •• ""'" J'I'tm Ion.\: oItrrJio . ._. ~."..,...,...~-..,'t. j __. N (Rs. In Crore) Interest Income 5890 «. 5714 5685 11604 11379 1.98 3.08 3.61 (i) Advances 3137 3069 3317 6206 6645 -6.61 2.22 -5.43 (ii) Investments 2406 2422 2032 4828 4016 20.22 -0.66 18.41 (iii) Call money / Balanc

  25. Slide 25: Non-Interest Income

    ~.,. __ ~i ClIJIMat 14'* rH lido , .•..... -...--:.,~~~ (Rs. In Crore) NON-INTEREST INCOME 814 779 512 1593 723 120.33 4.49 58.98 Commission, Exchange & Brokerage 228 337 301 565 560 0.89 -32.34 -24.25 Trading Profit on Investments 395 233 59 628 -205 69.53 569.49 , Recovery in Written off a/cs 47 7

  26. Slide 26: Expenses Breakdown

    ~ •• ~ 'f'fitirj ~ CeJtfftlt 10'* 01ht4ItI .....,......-, ., , '-, ~~ ..• ~~ '''''' . " (Rs. In Crore) A)Interest Expended 3999 3924 4010 7923 8024 -1.26 1.91 -0.27 i) Deposits 3871 , 3783 3853 7655 7696 -0.53 2.33 0.47 ii) RBIIlnterbank Borrowings 2 2 1 3 2 50.00 0.00 100.00 iii) Intt on Sub- 104 1

  27. Slide 27: Operating Profit, Provisions and Net Profit

    ~ .. c.MIct 10"* 01 fttt!;o ~~ ~"'-''f''''''..>:''''''''' ""~~ .~. ~ : .-<"-~ -"""" --, I (Rs. In Crore) OPERATING PROFIT 1026 1104 509 2130 893 138.52 -7.07 101.57 PROVISIONS 892 986 1433 1878 3339 -43.76 -9.53 -37.75 i) NPA 588 921 1849 1509 4389 -65.62 -36.16 -68.20 ii) Restructured Alcs -24 -16

  28. Slide 28: Investment Portfolio Breakdown

    AFS BOOK CORPORATE SEP-19 BONDS SEP-18 Others CORPORATE Others BONDS 11% 8% 18% 6% CP 7% SDLs 28% SDLs G-Sec & T 35% Bills 32% I Modified Duration: 2.12 I Modified Duration: 3.49 .I Break up of Domestic Investments(%) (Rs. in Crore) -HTM -AFS Total Investment 142109 107826 SEP 19 SEP 18 -of Which SL

  29. Slide 29: Digital Transactions Share

    • ~ ..• •.•. C4IIlfnlt 114"* -~_>;.."\'t:.i"""'~~'~ i '~'~ ttf ft!dlo VIi''''.,..4.,....,._,..~"·~ f -UPI HY12018-19 HY12019-20 -IMPS 24% - Mobile Banking Share of Share of Digital Txns Digital Txns - Internet Banking through ADC through ADC 35.89% 50.07% - debit card(POS) -RTGS 28

  30. Slide 30: Digital Transactions Count by Mode

    ~ ftIJ .JfI'!Js J"fPJ C.mtct 10"* of ,~ • ,.,..,,,,.~ ••~ •••...•.. -- ",·r 2237 .Digital Transactions count Oct,17 to Sept.18 - 3796 Lakhs. • Digital Transactions count Oct.18 to Sept 19 - 5735 Lakhs. 760 887898 44 41 43 44 UPI IMPS Mobile Banking Internet Banking debit card(POS) RTGS NEFT AEPS Oth

  31. Slide 31: Digital Channels: Cards, Internet and Mobile Banking, UPI

    ( • Processing 5.46 lakhs transactions per day • Handled 983.59 lakhs transactions during the HYl • Number ofUPI-VPA users: 4.77lakhs Debit Card • No. of cards at 2.28 Crore (Active EMV Cards) • Processing 2.38 lakhs transactions (POS/Ecom) per day INB • Number of Users : 46.2llakhs • Processing 2.1

  32. Slide 32: BC Network and Transactions

    ~ ••• ~.-ritm c~, I<mIt oIlns:k1 ,....,..--n, ,,",_,~ ~~-r' ..-.,-oto'~~.- - -. - N BC Network No in Lakhs 130 Nos in Lakhs 133 103 113 Sept 18 Mar 19 June 19 Sept 19 BC Transactions (Amt in c-) 6627 6294 5617 5349 Sept18 Mar 19 June 19 Sept19 31

  33. Slide 33: PMJDY and Social Security Schemes

    ~ •• .JfI'Irs tftm CfIIfrot 10••• 01 ~ -- ..-...,..~... ~.~.- " ,......•. "", PMJDY Balance Outstanding(ln Crores) No of accounts(ln lacs) 3352 141 Sept 18 Mar 19 June 19 Sept 19 Sept 18 Mar 19 June 19 Sept 19 Social Securi Scheme Total Enrolments (In lacs) .PMJJBY .PMSBY .APY 40 39 42 29 5 Sep 2018

  34. Slide 34: Subsidiaries, Associates and Group Performance

    ~"'~J"/i"m CfUtlfct 10" cl ,11&0 .,.,...,... ..,,~ .-- ~ - - Subsidiaries Cent Bank Home Finance Ltd. Centbank Financial Services Ltd. • Engaged into Housing Finance activity • Engaged into Trusteeship Services mainly in • Presence in 9 States through 18 Branches • Executor Trustee • Advances Portfo

  35. Slide 35: ;t-t -u « "INDIA

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