Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q1 FY2022 Earnings Presentation
25 slides from Dcb Bank's earnings presentation, Aug 7, 2021
Slide 1: Exchange cover letter for Investor Presentation
DCB BANK Ref. No. CO: CS: RC :20 2i -22:1 OS August 07,2021 BSE Limited, National Stock Exchange of lndL Limited, Ph iroze 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: DCB
Slide 2: Investor Presentation – Q1FY 2022
Investor Presentation – Q1FY 2022 August 07, 2021 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, 2021
Branch Network June 30, 2021 DCB Bank Limited 3
Slide 5: Key Indicators - I
Key Indicators - I INR mn No. of Branches Balance Sheet Cost to Income Return on Asset Return on Equity Ratio Q1 FY 2022 354 403,085 53.09% 0.34% *3.79% FY 2021 352 396,021 48.51% 0.87% *9.99% 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
Slide 6: Key Indicators - II
Key Indicators - II INR mn Q1 FY 22 Q4 FY 21 Q1 FY 21 Y-o-Y Deposits 306,017 297,039 294,321 4% Of which CASA 66,387 67,865 64,551 3% Of which Certificate of Deposits 0 0 0 - Of which Term Deposit 239,630 229,174 229,770 4% - Of which NRI Term 24,096 23,838 26,213 (8%) - Of which Inter Bank Term 26,
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 2015 2016 2017 2018 2020 2021 2021 Shareholder’s Equity 15,886 17,922 22,049 28,078 31,156 34,222 37,586 37,927 Deposits 126,091 149,260 192,892 240,069 284,351 303,699 297,039 306,017 Borrowings 11,638 11,479
Slide 8: Profit & Loss
Profit & Loss INR mn Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Q1 FY22 Net Interest Income 3,067 3,339 3,348 3,112 3,087 Other Income 776 925 1,545 1,339 1,202 - Commission, exchange and brokerage 269 435 550 702 472 - Profit on Sale of Investment 380 293 741 13 538 - Profit on Exchange 35 66 51 74 88 Transac
Slide 9: Profit & Loss
Profit & Loss INR mn FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 Net Interest Income 5,082 6,195 7,971 9,954 11,493 12,649 12,866 Other Income 1,657 2,205 2,488 3,103 3,502 3,911 4,585 - Commission, exchange and 1,193 1,405 1,651 2,176 2,399 2,412 1,956 brokerage - Profit on Sale of 277
Slide 10: Deposits Mix
Deposits Mix Deposits as on June 30, 2021 Residential Term Deposit *CASA 62% 22% Interbank Term Deposit 8% Non-Resident Term Deposit 8% * CASA includes NRI CASA 9 DCB Bank Limited
Slide 11: Advances Mix
Advances Mix Net Advances as on June 30, 2021 SME + MSME, 10% Mortgages, Corporate 43% Banking, 11% AIB , 22% Others, 2% AIB Net Advances as on June 30, 2021 Co-Lending, Gold Loan, 6% 1% Commercial Mortgages, Kissan Credit Vehicle, 5% 6% Card, 4% Gold Loan, 2% SME/MSME, 1% Others, 3% MFI+BC, 3% Trac
Slide 12: NIM, Yield and Cost of Funds
NIM, Yield and Cost of Funds Year Ended FY FY FY FY FY FY FY Q1 FY 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 Net Interest 3.72% 3.94% 4.04% 4.16% 3.83% 3.67% 3.59% 3.31% Margin (NIM) Yield on 12.63% 12.52% 12.03% 11.41% 11.29% 11.50% 11.06% 10.50% Advances Cost of 7.67% 7.48% 6
Slide 13: Non Performing Assets
Non Performing Assets Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Mar 31, Jun 30, 2015 2016 2017 2018 2019 2020 2020 2021 2021 Gross NPA 1.76% 1.51% 1.59% 1.79% 1.84% 2.46% 2.44% 4.09% 4.87% Net NPA 1.01% 0.75% 0.79% 0.72% 0.65% 1.16% 0.99% 2.29% 2.82% Provision 74.66% 77.55% 73.80% 75.7
Slide 14: Gross NPA Movement
Gross NPA Movement INR mn Q1 2021-22 FY 2020-21 Opening Balance 10,834 6,315 (+) Add Fresh Slippages 5,151 6,785 Addition to Existing NPAs 45 77 (-) Less 1 Recoveries 905 748 Upgrades 1,621 332 2 Write Offs / Sacrifice 816 1,263 Closing Balance 12,688 10,834 1: Includes INR 388 mn on sale of NPAs to
Slide 15: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, INR mn 2015 2016 2017 2018 2019 2020 2021 2021 SLR 34,750 39,855 47,711 49,091 60,007 61,363 67,370 72,626 Non-SLR 4,872 3,478 10,468 13,099 18,434 16,052 16,767 18,444 Total 39,622 43,333 58,179 62,190 78,441 77,415 84,137 91,
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, 2015 2016 2017 2018 2019 2020 2021 2021 CRAR 14.95% 14.11% 13.76% 16.47% 16.81% 17.75% 19.67% 19.64% -- Tier I 14.21% 12.79% 11.87% 12.72% 13.10% 13.90% 15.49% 15.54% -- Tier II 0.74% 1.32% 1.89% 3.75
Slide 17: Ratings
Ratings Sep 30, Dec 31, Mar 31, Mar 30, Mar 30, Mar 31, Jun 30, 2013 2014 2016 2017 2018 2019 2021 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 ▪ Co-Lending ▪ Foreign Exchange ▪ Working Capital ▪ Lockers ▪
Slide 20: Investor Profile as on Jun 30, 2021
Investor Profile as on Jun 30, 2021 Shareholding Pattern Key Non Promoter Shareholders % Bodies Corporate HDFC Small Cap Fund 4.44% *** Institutions 50.69% 5.75% ICICI Prudential Mutual Fund * 4.42% India Advantage Fund S4 I 4.02% DSP Small Cap Fund 3.42% ITPL - Invesco India Mutual Fund* 3.32% Fran
Slide 21: Board of Directors
Board of Directors A Fellow of the Institute of Chartered Accountants of India and of the Institute of Company Secretaries of India, Associate of the Institute of Chartered Accountants of England & Wales and Ashok Barat CPA, Australia. Mr. Barat held responsible and senior leadership positions in va
Slide 22: Management Team
Management Team Abhijit Bose - *31 yrs work exp. Aditya Prasad – 36 yrs work exp. Ajay Mathur – 29 yrs work exp. Chief Credit Officer Head – Process & Projects Head – Collections & Commercial Vehicles Ajit Kumar Singh - 29 yrs work exp. T P Anuradha – 22 yrs work exp. Bappa Roy – 30 yrs work exp. He
Slide 23: Rewards & Recognition
Rewards & Recognition 22 DCB Bank Limited
Slide 24: Award and Recognition
Award and Recognition DCB Bank Project “ATMCHAIN- Blockchain” awarded with Blockchain Solution of the Year - Banking 2021 at Alden Global Valye Advisor's INFLECTION Awards
Slide 25: 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