Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q2 FY21 Earnings Presentation
95 slides from Rbl Bank's earnings presentation, Oct 28, 2020
Slide 1: Outcome of Board Meeting letter
b RBlBANK apno ka bank October 28, 2020 BSE Limited, National Stock Exchange of India Limited, 1st Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Sandra Kurla Complex, Sandra (E) Mumbai - 400001 Mumbai -400051 Script Code: 540065 Script Name: RBLBANK Sub: Outcome of th
Slide 2: Letter closing and company secretary signature
b RBLBANK apno ka bank We request you to take the above on record. Thanking You, Yours filithfully, For RBL Bank Limited . r\:�u\"7\/ Nit}�- G Company Secretary Encl.: As above www.rb!bank.com RBL Bank Limited Controlling Office: One !ndiabu!ls Centre. Tower 28, 6th Floor, 841. Senapati Bapat Marg.
Slide 3: Independent Auditor's Review Report (Standalone)
HARIBHAKTI & CO. LLP Chartered Accountants Independent Auditor's Review Report on quarterly and year to date Unaudited Standalone Financial Results of RBL Bank Limited pursuant to the Regulation 33 of SEBI (Listing Obligations and Disclosures Requirements) Regulations. 2015 To the Board of Directors
Slide 4: Independent Auditor's Review Report (Standalone) continued
HARIBHAKTI & CO. LLP Chartered Accountants accounting principles generally accepted in India, has not disclosed the information required to be disclosed in terms of Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended, including the manner in whic
Slide 5: Unaudited Standalone Financial Results
b RBLBANK opno Na bank RBL Bank Limited Registered Office: 'Mahaveer', 179/E Ward, Shri Shahu Market Yard, Ko!hapur- 416005 Corporate Office: One lndiabulls Centre, Tower 2B, 6th Floor, 841, Senapati Ba pat Marg, lower Pare! (W), Mumbai - 400013 Tel.: +91 22 4302 0600, Fax: +91 22 4302 0520 Website:
Slide 6: Standalone Results: ratios and NPA
b RBLBANK apno I-ta bani.:. Standalone Quarter Quarter Quarter Half Vear Half Year Sr. ended ended ended ' ended ended Year ended Particulars 31.03.2020 No. 30.09.2020 30.06.2020 30.09.2019 30.09.2020 30.09.2019 Unaudited Unaudited Unaudited Unaudited Unaudited Audited Percentage of shares he!d by N
Slide 7: Segment Reporting (Standalone)
b RBLBANK opno Na bank SEGMENT REPORTING FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30, 2020 (Zin Lacs) Standalone Quarter Quarter Quarter Half Year Half Year Year ended Sr. ended ended ended Ended Ended Particulars 31.03.2020 No. 30.09.2020 30.06.2020 30.09.2019 30.09.2020 30.09.2019 Unaudited U
Slide 8: Summarised Standalone Statement of Assets and Liabilities
b RBLBANK npno ka bani, SUMMARISED STANDALONE STATEMENT OF ASSETS AND LIABILITIES (� in Lacs) As at Asat Asat Particulars September 30, September 30, 2019 1 - March 31, 2020 2020 Unaudited Unaudited Audited CAPITAL AND LIABILITIES Capital 50,918 43,059 50,870 Reserves and Surplus 1,036,329 736,848 1
Slide 9: Standalone Cash Flow Statement
b RBLBANK STANDALONE CASH FLOW STATEMENT (� in lacs) Half Year Half Year Ended Year ended Ended Particulars 30.09.2020 31.03.2020 30.09.2019 Unaudited Unaudited Audited I Cash Flow from Operating Activities Net Profit for the Year/ Period (before taxes) 38,375 50,814 75,278 Adjustments for:- Add: Lo
Slide 10: Notes
b RBLIBANK opno /,:a banlc NOTES: 1. The above financial results are reviewed by the Audit Committee and subsequently approved by the Board of Directors of the Bank at its meeting held in Mumbai on October 28,2020. The financial results for the quarter and half year ended September 30, 2020 have bee
Slide 11: Notes continued
b RBLBANK apno l<a bani< 9. RBI circular DOR_ No. BP.BC.62/21.04.048/2019"20 dated April 17,2020 requires disclosure of the number of accounts and amount involved in those accounts where the resolution passed was extended. Details of these accounts as of September 30,2020 are mentioned below: Partic
Slide 12: Independent Auditor's Review Report (Consolidated)
HARIBHAKTI & CO. LLP Chartered Accountants Independent Auditor's Review Report on quarterly and vear to date Unaudited Consolidated Financial Results of RBL Bank Limited pursuant to the Regulation 33 of SEBI (Listing Obligations and Disclosures Requirements) Regulations. 2015 To The Board of Directo
Slide 13: Independent Auditor's Review Report (Consolidated) continued
HARIBHAKTI & CO. LLP Chartered Accountants 5. Based on our review conducted and procedures performed as stated in paragraph 3 above, nothing has come to our attention that causes us to believe that the accompanying Statement, prepared in accordance with the recognition and measurement principles lai
Slide 14: Unaudited Consolidated Financial Results
b RBLBANK opno ka bani;. UNAUDITED CONSOLIDATED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBBER 30, 2020 {{ in lacs) Consolidated Quarter Quarter Quarter Half Year Half Year Year Sr. ended ended ended ended ended ended Particulars 30.09.2020 30.06.2020 30.09.2019 30.09.2020 30.09.20
Slide 15: Consolidated Results: ratios and NPA
b RBLBANK Consolidated Quarter Quarter Quarter Half Year Half Year Year Sr. ended ended ended ended ended ended Particulars 30.09.2020 30.06.2020 30.09.2019 30.09.2020 30.09.2019 31.03.2020 No. Unaudited Unaudited Unaudited Unaudited Unaudited Audited Percentage of shares held by Government of India
Slide 16: Segment Reporting (Consolidated)
b RBLIBANJ< apno ka bani< SEGMENT REPORTING FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30, 2020 (fin Lacs) Consolidated . Quarter Quarter Quarter Half Year Half Year Year ended Sr. ended ended ended ended ended Particulars 30.09.2020 30.06.2020 30.09.2019 31.03.2020 No. 30.09.2020 30.09.2019 . Un
Slide 17: Summarised Consolidated Statement of Assets and Liabilities
b RBLBANK npno ka barrh: SUMMARISED CONSOLIDATED STATEMENT OF ASSETS AND LIABILITIES (� in lacs) As at Asat Asat Particulars September 30, 2020 September 30, 2019 March 311 2020 (Unaudited) (Unaudited) (Audited) CAPITAL AND LIABILITIES Capital S0,918 43,0S9 50,870 Reserves and Surplus 1,036,674 735,
Slide 18: Consolidated Cash Flow Statement
b RBLBANK apno kn bank CONSOLIDATED CASH FLOW STATEMENT (� in Lacs) Half Year Half Year Ended Year ended Particulars Ended 30.09.2020 31.03.2020 30.09.2019 Unaudited Audited Unaudited I Cash Flow from Operating Activities Net Profit for the Year/ Period (before taxes) 40,S22 50,570 74,735 Adjustment
Slide 19: Notes (Consolidated)
b RBLBANK 1. The above financial results are reviewed by the Audit Committee and subsequently approved by the Board of Directors of the Bank at its meeting held in Mumbai on October 28,2020. The financial results for the quarter and half year ended September 30, 2020 have been subjected to a "Limite
Slide 20: Notes continued
b RBLBANf< apno kcr bank Liquidity Standards � Amendments' requires banks to make applicable Pillar 3 disclosures including Leverage Ratio and Liquidity Coverage Ratio (LCR) under Basel Ill Framework. Accordingly, such applicable disclosures have been placed on the website of the Bank which can be a
Slide 21: Press Release: Results for Q2FY21
RBL Bank Limited One Indiabulls Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 PRESS RELEASE RBL BANK ANNOUNCES FINANCIAL RESULTS FOR THE QUARTER ENDED 30th SEP 2020 The Board of Directors of RBL Bank Limited approved the financial results for the quarter ended
Slide 22: Key Financials
RBL Bank Limited One Indiabulls Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 Key Financials: ` in crore Q2 FY21 Q1 FY21 QoQ Q2 FY20 YoY H1 FY21 H1 FY20 Net Interest Income 932 1,041 (10%) 869 7% 1,973 1,686 Other Income 456 333 37% 442 3% 790 923 Net Total In
Slide 23: About RBL Bank
RBL Bank Limited One Indiabulls Centre, Tower 2B 6th Floor, 841, Senapati Bapat Marg, Lower Parel West, Mumbai 400013 About RBL Bank RBL Bank is one of India’s fastest growing private sector banks with an expanding presence across the country. The Bank offers specialized services under six business
Slide 24: Investor Presentation 2nd Quarter / Half Year FY21
Investor Presentation 2nd Quarter/ Half Year FY 21 Oct 28, 2020
Slide 25: Disclaimer
Disclaimer By attending the meeting / telephonic call 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
Slide 26: Glossary and Key Notes
Glossary and Key Notes AEPS Aadhaar Enabled Payment System INR Indian Rupee Agri Agribusiness Banking IPO Initial Public Offering API Application Programming Interface LAP Loan Against Property ARC Asset Reconstruction Company MF Mutual Funds ATM Automated Teller Machine Mn Million BC Business Corre
Slide 27: Table of Contents
Table of Contents Topic Page Number Key Performance Highlights 5 Financial Performance 11 Distribution Network 28 Shareholding Pattern and Ratings 30 Micro-Banking Update 32 Credit Card Update 36 Affordable Housing Business 51 Digital Banking Update 55 Branch and Business Banking Update 60 Annexures
Slide 28: Key Performance Highlights
Key Performance Highlights
Slide 29: Q2 FY21 Financial Highlights
Q2 FY21 Financial Highlights YoY Total Revenue growth of 6% ; NII growth of 7% and Other Income growth of 3% PPOP growth of 12% YoY (4% growth sequentially) to Rs. 720 crore; Net Profit at Rs. 144 crore up 165% YoY NIM at 4.34% flat YoY ; However, sequentially down due to proactive reversal of inter
Slide 30: Q2 FY21 Highlights Contd....
Q2 FY21 Highlights Contd…. Growth Revival Led by Retail Handsome Deposit Growth Strong Operating Profit Outlook Segments starting Q4 Highest ever CASA ratio at 31.1% Retail Assets grew 22% YoY and CASA grew 21% YoY and 8% NII now firmly at 1000+ crore 7% QoQ QoQ runrate should get back to pr
Slide 31: Q2 FY21 Highlights Contd....
Q2 FY21 Highlights Contd…. YoY Growth QoQ Growth Net interest Income Rs. 932cr 7% (10%) Core Fee Income Rs. 362cr (7%) 52% Net Total Income Rs. 1,388cr 6% 1% Operating Profit Rs. 720cr 12% 4% Net Profit Rs. 144cr 165% 2% 8
Slide 32: Q2 FY21 Highlights Contd....
Q2 FY21 Highlights Contd…. YoY Growth QoQ Growth Advances Rs. 56,162cr (4%) (1%) Wholesale Rs. 24,020cr (26%) (10%) Advances Non-Wholesale Rs. 32,142cr 23% 7% Advances Deposits Rs. 64,506cr 3% 4% CASA Rs. 20,064cr 21% 8% 9
Slide 33: Key Indicators – Business Breakup
Key Indicators – Business Breakup Advances by Segment (%) Deposit Breakup (%) 14.1% 11.4% 31.7% 19.7% 43.1% 68.9% 11.0% Term Deposits Saving Deposits CIB CB Retail Assets DB&FI Current Deposits 10
Slide 34: Financial Performance
Financial Performance
Slide 35: Strong PPOP Momentum Despite COVID Impact
Strong PPOP Momentum Despite COVID Impact Parameter Q2 FY21 Q1 FY21 QoQ Q2 FY20 YoY H1 FY21 H1 FY20 Net Interest Income 932 1,041 (10%) 869 7% 1,973 1,686 Other Income 456 333 37% 442 3% 790 923 Net Total Income 1,388 1,375 1% 1,310 6% 2,763 2,609 Operating Profit 720 690 4% 643 12% 1,409 1,246 Net
Slide 36: Balance Sheet Parameters
Balance Sheet Parameters Parameter Sep 30,2020 Sep 30,2019 YoY Advances 56,162 58,476 (4%) Deposits 64,506 62,829 3% Investments 21,277 19,778 8% Parameter Sep 30,2020 June 30,2020 Sep 30,2019 CASA 31.1% 30.1% 26.5% GNPA 3.34% 3.45% 2.60% NNPA 1.38% 1.65% 1.56% PCR (incl. Technical Write-offs) 74.8%
Slide 37: Other Income Trending To Pre-COVID Levels
Other Income Trending To Pre-COVID Levels Other Income Core Fee Income Breakup 923 799 13% 9% 790 600 441 456 24% 388 10% 12% 362 52% 9% 333 21% 10% 76% 238 55% 29% 57% 87% 3% 9% 56% 79% 10% 88% 53% 2% 71% 3% 2% 13% 9% 3% 16% 13% 12% 15% 8% 7% 9% 10% 12% 10% 14% 10% Q2 FY20 Q1 FY21 Q2 FY21 Q2 FY20 Q
Slide 38: Operating Costs Lower; Driven by Lower Business Volumes and Cost Efficiency
Operating Costs Lower; Driven by Lower Business Volumes and Cost Efficiency Operating Expenses 1,363 1,353 667 685 669 52% 59% 58% 53% 52% 6% 6% 5% 6% 10% 5% 8% 11% 10% 8% 31% 32% 29% 32% 28% Q2 FY20 Q1 FY21 Q2 FY21 H1 FY20 H1 FY21 15
Slide 39: Credit Costs includes COVID Provisioning and addition to PCR
Credit Costs includes COVID Provisioning and addition to PCR Net Credit Cost by Business (bps) 93* 91* 94* 129* 185* 60 58 101 43 64 57 32 46 24 22 14 22 16 9 8 6 3 2 3 (0) 3 - (0) - 0 H1 FY20 H1 FY21 Q2 FY20 Q1 FY21 Q2 FY21 * Not Annualized for the bank or at individual segment level for the quarte
Slide 40: Advances Mix and Growth Towards Retail Improving Yields and NIMs
Advances Mix and Growth Towards Retail Improving Yields and NIMs Yield Sep 30,2020 Sep 30,2019 YoY Proportion H1 FY 21 C&IB 17,815 24,063 (26%) IFI 1,185 1,575 (25%) 8.1% 43% CB 6,204 8,328 (26%) (9.4%) Wholesale 24,020 32,391 (26%) Retail Assets 24,207 19,792 22% LAP 7,979 7,295 9% Credit Cards 11,
Slide 41: Borrowers' External Rating Profile
Borrowers’ External Rating Profile* – Consistently Moving Up the Risk Curve Sep 30, 2019 June 30, 2020 Sep 30, 2020 61,307 53,354 49,941 5,395 8.8% 4,934 9.2% 5,994 12.0% 16,802 27.4% 16,546 15,371 31.0% 30.8% A- or A- or A- or better better better 69.9% 71.4% 75.1% 20,683 16,624 16,122 33.7% 31.2%
Slide 42: Additional Colour on BBB and BB Rated Exposure
Additional Colour on BBB and BB Rated Exposure – Improving QoQ BBB Rated Exposure • Fully Secured, granular portfolio both in terms of size and sectoral exposure • Highest sectoral exposure of 1.5% • 320 customers with average exposure of Rs. 28 crore • Highest single exposure is Rs. 256 crore, full
Slide 43: Diversified Industry Mix – Low Industry Concentration
Diversified Industry Mix – Low Industry Concentration Top 10 Industry* Outstanding % of Outstanding FB+NFB Industry FB-NFB Split FB+NFB Exposure Exposure NBFC (ex. HFC & DFI) 4,539 99:1 6.3% Construction 3,080 27:73 4.2% Engineering 2,295 36:64 3.2% Power 1,799 50:50 2.5% Real Estate 1,763 89:11 2.4
Slide 44: Asset Quality – Strengthened PCR In the Quarter
Asset Quality – Strengthened PCR In the Quarter Gross NPA by business segment Quarter Ended Business segment Sep 30, June 30, Sep 30, Sep 30, June 30, Sep 30, 2020 2020 2019 2020 2020 2019 Movement of Gross NPAs C&IB 1,427.0 1,452.2 842.4 Opening Balance 1,992 2,137 789 % of total advances 2.49% 2.5
Slide 45: Capital Adequacy - Well Capitalized
Capital Adequacy - Well Capitalized Particulars Sep 30, 2020 Sep 30, 2019 June 30, 2020 Tier 1 Capital Funds* 10,554 7,542 10,407 Tier 2 Capital Funds 962 685 821 Total Capital Funds 11,516 8,227 11,228 Total RWA 69,799** 66,976 68,671 Tier 1 CRAR* 15.1% 11.3% 15.2% Total CRAR* 16.5% 12.3% 16.4% RWA
Slide 46: CASA Continues Strong Growth; Total Deposits Grew 4% Sequentially
CASA Continues Strong Growth; Total Deposits Grew 4% Sequentially 21% YoY growth in CASA, 8% QoQ ; Total deposits grew by 3% YoY, 4% QoQ CASA : 26.5% CASA : 30.1% CASA : 31.1% CASA : 16,620 CASA : 18,566 CASA : 20,064 62,829 64,506 61,736 10.4% 11.4% 10.8% 16.1% 19.7% 19.3% 69.9% 68.9% 73.5% Sep 30,
Slide 47: Deposits and Liquidity – Improving Granularity Driving Lower Costs
Deposits and Liquidity – Improving Granularity Driving Lower Costs Declining Cost of Deposits and Cost of Funds Surplus Liquidity Position 7.01% 6.90% 156% 158% 155% 164% 171% 6.71% 136% 6.40% 6.27% 6.82% 5.98% 6.75% 6.59% 6.37% 100% 100% 100% 100% 80% 80% 6.15% 5.92% June 30, September December Mar
Slide 48: Lower Borrowing Levels QoQ
Lower Borrowing Levels QoQ Borrowing Breakup 16,029 5% 13,953 9% 13,256 5% 4% 6% 35% 37% 40% 56% 50% 55% Sep 30, 2019 June 30, 2020 Sep 30, 2020 Refinance FCY CBLO/ LTRO LAF Tier II 25
Slide 49: Investment Book Increase Driven By Surplus Liquidity
Investment Book Increase Driven By Surplus Liquidity Investment Breakup 19,778 19,884 21,277 2% 3% 2% 7% 5% 4% 9% 10% 9% 83% 85% 82% Sep 30, 2019 June 30, 2020 Sep 30, 2020 G-Sec Debentures & Bonds Money Market /Equities/MF Others Yield Yield Q2 FY21 Q1 FY21 Q2 FY20 H1 FY21 H1 FY20 Total Investments
Slide 50: Cost of Deposits/ Cost of Funds Trending Lower QoQ
Cost of Deposits/ Cost of Funds Trending Lower QoQ Pre-IPO FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 Yield on Advances 10.9% 12.6% 13.1% 12.9% 12.3% 11.7% Cost of Funds 5.8% 8.3% 9.6% 9.4% 8.4% 7.6% Cost of Deposits 5.8% 8.1% 8.9% 8.8% 8.3% 7.7% Post Listing Performance FY17 FY18 FY19 Q1FY20 Q2FY20 Q3FY20
Slide 51: Distribution Network
Distribution Network
Slide 52: Our Growing, Multi-Layered Distribution Network
Our Growing, Multi-Layered Distribution Network Locations Customers (Mn.) Chandigarh 3 7.82 8.49 8.44 8.76 6.92 7.32 GIFT 39 2 city 10 New Delhi branch June 30, Sep 30, Dec 31, March 31, June 30, Sep 30, 12 2019 2019 2019 2020 2020 2020 11 10 Channel Breakup 3 Channels Number of transaction points 2
Slide 53: Shareholding Pattern & Ratings
Shareholding Pattern & Ratings
Slide 54: Diversified Shareholding & Strong Rating Profile
Diversified Shareholding & Strong Rating Profile Shareholding by category (%) Ratings Instrument Rating 1.6 0.7 Basel III compliant Tier II ICRA AA- hyb (Stable) 7.4 bonds (Re-affirmed dated Jan 10, 2020) 28.9 CARE AA- (Stable) 27.8 (Re-affirmed dated Oct 8, 2020) Certificate of Deposits ICRA A1+ 14
Slide 55: Micro-Banking Update
Micro-Banking Update
Slide 56: Micro-Banking Distribution Network
Micro-Banking Distribution Network BC Branches Opened in Q2 FY-21 : 28 (1) (28) New State Added: Himachal Pradesh 6 (25) (74) 73 (50) (32) (101) (2) Status of Branches : 52 51 99 16 (33) (44) (22) (79) • Micro-Banking Branches : 1,064 27 82 • RBL Finserve Branches: 521 113 (9) (21) Micro-Banking Pre
Slide 57: Micro-Banking - Portfolio Concentration reducing in top 3 / 5 states
Micro-Banking - Portfolio Concentration reducing in top 3 / 5 states RBL Portfolio- Top 3 & Top-5 State Concentration is Stable % of % of Portfolio State Name Portfolio 57% 57% Sept’20 Mar’20 40% 39% Bihar 13.7% 14.7% Tamil Nadu 13.7% 13.4% Maharashtra 10.3% 10.7% Karnataka 8.7% 8.8% June'2019 June'
Slide 58: Portfolio growth driven by new customers, ticket size growth moderate
Portfolio growth driven by new customers, ticket size growth moderate 3.08 Mn active loan accounts In Rs. crores Loan Tenor 2.04% 30% 28% 32.09% 65.87% 6,686 6,445 5,151 5,028 12 Months 18 Months 24 Months Sept 30,2019 Sept 30,2020 Mar 31,2019 Mar 31,2020 Average Ticket Size (ATS) of new loans Avera
Slide 59: Credit Card Update
Credit Card Update
Slide 60: Growth & Market Share
Growth & Market Share Aug’19 Aug’20 RBL Industry RBL Industry 2.7 M 57.8 M CIF 2.2 M 51.7 M 23% 12% 2,316 Cr 50,503 Cr Spends 2,318 Cr 60,010 Cr 0.1% 16% 10,862 Cr 1,04,833 Cr Advances 7,470 Cr 97,650 Cr 45% 7% Market Share – Cards (#) Market Share - Spends Market Share - Advances 5.1% 4.6% 4.6% 4.6
Slide 61: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Cards in Force (Million) Acquisition (Million) 2.75 2.74 2.80 0.38 2.71 2.70 0.35 0.33 2.51 2.29 0.20 0.09 0.07 0.04 0.04 Q2'20 Q3'20 Q4'20 Q1'21 Jul'20 Aug'20 Sep'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Jul'20 Aug'20 Sep'20 Advances Breakup (Cr.) Total Spends (Cr.) 8,059 9,
Slide 62: Credit Cards - Portfolio Trends
Credit Cards - Portfolio Trends Consumer Loans ('000) Retail Spend 926 925 850 19,639 20,594 19,955 19,809 20,003 19,323 696 15,110 539 10,838 11,519 10,564 8,340 8,632 9,094 5,905 218 228 250 Q2'20 Q3'20 Q4'20 Q1'21 Jul'20 Aug'20 Sep'20 Q2'20 Q3'20 Q4'20 Q1'21 Q2'21 Jul'20 Aug'20 Sep'20 Retail Spen
Slide 63: Credit Cards – Customer Segment insights
Credit Cards – Customer Segment insights Salaried : Self Employed (SE) mix City Tier Mix 0.75 18% 1.10 29% 0.85 12% 0.95 1.07 71% 70% Salaried Self-Employed TIER1 TIER2 TIER3 Age Group Mix Carded Mix 2.09 1.46 0.86 1.15 13% 18% 20% 1.71 3% 0.95 27% 1.06 35% 84% 0.87 Below 30 30-35 35-45 45+ NTC Bure
Slide 64: COVID-19 | Impact
COVID -19 | Impact Spend Impact and Recovery 100% Spends 101% Spend/Card 100% 96% 55% 53% Mar'20 Lockdown* Sep'20 Mar'20 Lockdown* Sep'20 Overall Spends recover to Mar levels. Per Card Spends now at 96% of March levels *Lockdown : Apr & May’20 RBL Bank Vs Industry Comparison# Q1 FY21 YOY Aug'20 YOY
Slide 65: COVID-19 | Spend category Impact
COVID -19 | Spend category Impact Spend Mix Sep’20 Spend Type Categories vs Mar’20 Mar’20 Sep’20 (per Card) Grocery/Stores, Telecom, Utility, Education, Daily 78% 78% 96% Health & Insurance, Wallet Load, Fuel & Cab Lifestyle & Apparel, Dining & Food Delivery, Discretionary 17% 19% 107% Entertainment
Slide 66: Credit Cards – Moratorium & collections
Credit Cards – Moratorium & collections Value under Moratorium % 24.0% 3.5% 3.2% 21.8% 15.7% 9.4% 0.9% 1.8% Apr'20 Jun'20 Aug'20 Aug exit Morat - as of 30Sep20 Morat since Apr'20 Morat since May'20 Morat since June'20 Morat July'20 onwards Collection efficiency – approaching Pre covid levels 100% 94
Slide 67: New Card Launch
New Card Launch
Slide 68: Introducing Edition Card in partnership with Zomato
Introducing .. Edition Card | in partnership with Zomato Best in class Onboarding experience Packed with best in class features Edition Card Edition Exclusive Privilege in partnership with Zomato Lifetime Zomato Pro Program Completely digital; Card lives in Zomato app Card management at fingertips (
Slide 69: Edition Card | in partnership with Zomato
Edition Card | in partnership with Zomato – seamless digital onboarding 46
Slide 70: Edition Card | in partnership with Zomato
Edition Card | in partnership with Zomato 47
Slide 71: YOUnique | India's 1st Customizable Credit Card
YOUnique | India’s 1st Customizable Credit Card Build your own Card ! 100% Customizable Exclusive Benefits built for YOUnique YOUnique Card Best in class India’s 1st Customizable Card Onboarding experience Completely digital; 100% touch-free Card management at fingertips (in-app) 48
Slide 72: YOUnique | India's 1st Customizable Credit Card
YOUnique | India’s 1st Customizable Credit Card 49
Slide 73: YOUnique | India's 1st Customizable Credit Card
YOUnique | India’s 1st Customizable Credit Card 50
Slide 74: Affordable Housing Business
Affordable Housing Business
Slide 75: Why AHL Business
Why AHL Business • Gap in Housing demand vs supply Market • Strong govt impetus “ Housing for all” Attractiveness • Largely HFC dominated; PVT bank share low • Long term stable secured asset Portfolio Balancing • Low credit cost through the cycle • Efficient use of capital – lower risk weight • X-se
Slide 76: What is our focus: Offer Full Banking to this Segment
What is our focus : Offer Full Banking to this Segment • Focus : Salaried customers • Income between 3L-10 L Customer • Married with kids Segment • Self occupation • Avg. Loan size : 10L-25L • Distribution : Tier II & III • IRR : 10%-12% towns • Loan tenor up to 25yrs • Avg. LTV : 70-80% Portfolio •
Slide 77: Where we want to reach?
Where we want to reach? Book Size(In cr.) Disbursal (In cr.) 10,000 4,000 2,200 3,500 400 500 FY21 FY23 FY25 FY21 FY23 FY25 #Customer base #Branches 75,000 350 200 27,000 75 4,200 FY21 FY23 FY25 FY21 FY23 FY25 54
Slide 78: Digital Banking Update
Digital Banking Update
Slide 79: Digital Payments and Acquiring Product Landscape
Digital Payments and Acquiring Product Landscape… Enhanced Digital Value Proposition through leveraging on payments business & partnership strategy 1 2 3 4 5 Issuance Collections, API, UPI & INR Remittances FX Products Products Acquiring Others Providing payment Launched Rupee Focus on collections L
Slide 80: Our Continual market standing in the digital space
Our Continual market standing in the digital space… MEITY Digital POS terminals: AEPS: RBL # 6 in MFI: RBL 40% Performance: RBL # 1 player terms of market share Among top 6 with ~25% market transaction disbursements players share processed through API For period Apr’ 20 to Sep’ 20 13.04 13.57 49.8 L
Slide 81: Deepening our digital footprint
Deepening our digital footprint… Issuance Acquiring & API, UPI & INR Remittances FX Products Products Aggregation Others 2.66L (AEPS+DMT) new Launched RDA RBL # 1 player with ~27% RBL contributes to 40% Launched two new CSPs onboarded in the Services.& closed a market share, 12.57 L Pos market share
Slide 82: Engaging across the ecosystem for new solutions
Engaging across the ecosystem for new solutions The bank is actively partnering with Fintechs providing new value added services leveraging API leadership, interactive user interfaces, Data analytics, AI & ML. Intermediary/I Network/ Acquirer/ Customer Merchant/ ssuer Bank Intermediary/ Beneficiary
Slide 83: Branch and Business Banking Update
Branch and Business Banking Update
Slide 84: Continuing with Contactless Banking
Continuing with Contactless Banking Enhanced contactless experience through our new look Digital channels – Mobile & Internet banking Growth in user enrolment on 70% Digital Channels QOQ Improved Bill pay section Of Total Deposits (FD & RD) 61% sourced Digitally Cardless cash withdrawal at ATMs of C
Slide 85: Granularity in Branch Banking – Q2 FY'21
Granularity in Branch Banking – Q2 FY’21 Book Size CASA TD 120% Branch & Business Banking 117% 32% 70% 110% 106% QOQ Growth in retail 100% growth in products bought 100% individual FDs by customers QOQ 90% Mar'20 June'20 Sept'20 Overall book growth has resumed 200% # of Accounts 144% 71% 87% 150% 11
Slide 86: Annexures
Annexures
Slide 87: Board of Directors
Board of Directors Mr. Vishwavir Ahuja Mr. Prakash Chandra Managing Director and CEO Non – Executive Part Time Chairman Previously, Managing Director & Country Executive Officer of Bank of America for Indian Sub-continent Previously, Chairman of Central Board of Direct Taxes (CBDT) Mr. Sivanandhan D
Slide 88: Professional and Experienced Leadership Team
Professional and Experienced Leadership Team Mr. Vishwavir Ahuja Mr. Rajeev Ahuja Managing Director and CEO Executive Director Managing Director & Country Executive Officer of Bank of America Previously, associated with Citibank India, Bank of America, India for Indian Sub-continent from 2007-2009 a
Slide 89: Professional and Experienced Leadership Team (Contd.)
Professional and Experienced Leadership Team (Contd.) Mr. Bhavtaran Singh (Sunny) Uberai Mr. Pankaj Sharma Head – Client Services Chief Operations Officer Previously, associated with ABN Amro Bank and Arete Financial Previously, Head Retail Operations, Axis Bank Partners, Singapore (35) (20) Mr. San
Slide 90: Profit & Loss Statement
Profit & Loss Statement Particulars Q2 FY21 Q2 FY20 Q1 FY21 H1 FY21 H1 FY20 Income Interest Earned 2,077 2,126 2,235 4,312 4,149 Interest Expended 1,145 1,257 1,194 2,339 2,463 Net Interest Income 932 869 1,041 1,973 1,686 Other Income 456 442 333 790 923 Total Income 1,388 1,310 1,375 2,763 2,609 E
Slide 91: Balance Sheet Statement
Balance Sheet Statement Particulars Sep 30, 2020 June 30, 2020 Sep 30, 2019 Liabilities Capital 509 509 431 Reserves and Surplus 10,363 10,216 7,368 Deposits 64,506 61,736 62,829 Borrowings 13,256 16,029 13,953 Other Liabilities 4,712 3,956 3,096 Total 93,347 92,445 87,678 Assets Cash & Balances wit
Slide 92: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement Particulars Q2 FY21 Q2 FY20 Q1 FY21 H1 FY21 H1 FY20 Income Interest Earned 2,164 2,190 2,322 4,485 4,274 Interest Expended 1,145 1,257 1,194 2,338 2,463 Net Interest Income 1,019 933 1,128 2,147 1,811 Other Income 450 443 333 783 927 Total Income 1,469 1,376 1,46
Slide 93: Consolidated Balance Sheet Statement
Consolidated Balance Sheet Statement Particulars Sep 30, 2020 June 30, 2020 Sep 30, 2019 Liabilities Capital 509 509 431 Reserves and Surplus 10,367 10,211 7,353 Deposits 64,450 61,711 62,824 Borrowings 13,256 16,029 13,953 Other Liabilities 4,721 3,962 3,110 Total 93,303 92,422 87,671 Assets Goodwi
Slide 94: Our Recent History
Our Recent History FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY19 FY20 H1 Particulars FY21 Net Worth 1,075 1,131 1,594 2,012 2,224 2,960 4,242 6,544 7,336 10,290 10,365 Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 58,394 57,812 64,506 Advances (Net) 1,905 4,132 6,376 9,835 14,
Slide 95: Thank you
Thank you Contact us at: ir@rblbank.com +91-22-4302 0600 Please email us your contact details at the above id to get added to our investor relations mailing list Please visit our Investor Relations website – https://ir.rblbank.com/ 72