Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Q1 FY2021 Earnings Presentation
53 slides from Central Bank Of India's earnings presentation, Aug 11, 2020
Slide 1: Cover letter to National Stock Exchange
airfu cniqttlq Central Office CO:MBD:2020-21:S?i llth August, 2020 National Stock Exchange of India Limited General Manager Listing Department Corporate Relationship Deptt Exchange Plaza, a S E Ltd. Plot No.C/1, `G' BIock Phiroze Jeejeebhoy Towers Bandra-Kurla Complex Dalal Street, Fort Bandra (E),
Slide 2: Financial Results for the quarter ended 30.06.2020 Analyst Presentation
Financial Results for the quarter ended 30.06.2020 Analyst Presentation Visit us at www.centralbankofindia.co.in :- http://twitter.com/centralbank_in :-https://www.facebook.com/centralbankofindia 1
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
Slide 4: Vision and Mission
VISION “CENTRAL TO YOU SINCE 1911 MISSION To provide Customer Centric products and services by leveraging human resources and technology
Slide 5: Contents
CONTENTS 1 INITIATIVES 2 PERFORMANCE HIGHLIGHTS 3 FINANCIAL PERFORMANCE 4 ASSET QUALITY 5 CAPITAL ADEQUACY 6 PROFITABILITY 7 DIGITAL BANKING FINANCIAL INCLUSION & 8 BANCASSURANCE 9 CONSOLIDATED FINANCIALS 4
Slide 6: New Initiatives
NEW INITIATIVES “Project DISHA” - Analytics-Based Business Transformation Program • To drive Business Transformation in Retail, Agriculture, MSME Credit and Fee Based Income through CASA for propelling Business Growth and to reinvent the Business Processes for better efficiency and sustainability, B
Slide 7: New Initiatives
NEW INITIATIVES Key HR Initiatives And Projects • Aligning HR systems, structures, processes, policies and practices with strategic goals. HR policies to be Outcome Centric. • Improving existing performance management system to have Business-Outcome focused performance appraisals. • Implementing pro
Slide 8: Shareholding Pattern
SHAREHOLDING PATTERN Insurance Other Body As on June 30, 2020 Cos. Cos. Public 2.53% 0.11% 0.38% • Share Capital : Rs. 5709.76 crore FII s NRI 0.20% 0.03% • Shares of Central Bank of India is listed Bank & FI s Others on BSE and NSE. 4.33% 0.03% • Equity Shares of Central Bank of India is part of fo
Slide 9: Pan India Branch Network
PAN INDIA BRANCH NETWORK As on 30/06/2020 1 17 Total Branches 4649 Rural 1606 55 12 153 42 Semi Urban 1336 107 16 139 Urban 819 8 173 595 Metro 888 122 438 7 8 8 Metro 322 465 89 326 6 2 19% Rural 121 34% 105 3 608 97 Urban 18% 110 131 31 1 Semi Urban 3 208 29% 120 8
Slide 10: Performance Highlights
PERFORMANCE HIGHLIGHTS Net Profit of Rs.135 crore during the quarter against Net Profit of Rs.118 crore in Q1FY20 registering YoY growth of 14.41% Operating Profit increased from Rs.1104 crore for Q1FY20 to Rs.1291 crore for Q1FY21 registering YoY growth of 16.94% Net Interest Margin(NIM) for the qu
Slide 11: Performance Highlights
PERFORMANCE HIGHLIGHTS Qtr Qtr Jun '20 over Jun '19 Jun '20 over Mar '20 Y-o-Y Q-o-Q 135 Cr 135 Cr Net Profit/ Loss 118 Cr -1529 Cr 3.08% 3.08% NIM 2.62% 2.85% 2146 Cr 2146 Cr NII 1790 Cr 1926 Cr 0.17% 0.17% ROA 0.15% -1.93% 10
Slide 12: Performance Highlights
PERFORMANCE HIGHLIGHTS Qtr Qtr Jun '20 over Jun '19 Jun '20 over Mar '20 Y-o-Y Q-o-Q 79.12% 79.12% PCR 76.85% 77.29% 11.50% 11.72% CRAR (BASEL III) 9.58% 11.50% 18.10% 18.10% GNPA 19.93% 18.92% 6.76% 6.76% NNPA 7.98% 7.63% 11
Slide 13: Profitability Ratios
PROFITABILITY RATIOS Net Interest Margin(%) Net Interest Income (Rs. in Crore) 2146 3.08 2.92 2022 2.82 2.85 1926 1891 2.62 1790 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Cost to Income Ratio(%) Liquidity Coverage Ratio (%) 376.72 80.99 340.03 327.47 313.47 322.
Slide 14: Profitability Ratios
PROFITABILITY RATIOS Cost of Deposits (%) Yield on Advances (%) 5.18 5.13 7.77 5.08 5.05 7.62 7.34 7.37 4.70 7.30 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Return on Assets (ROA)(%) Credit Cost(%) 0.15 0.17 0.19 0.17 3.88 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Slide 15: Strong Liability Franchise
STRONG LIABILITY FRANCHISE Rs. in cr Total Deposits Total Average Deposits 321252 314305 313763 2.39 308435 303424 304376 304679 1.73 298497 1.23 294659 297781 2.32 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 CASA Average CASA 150501 147743 145279 3.59 140066 1398
Slide 16: Deposit Trend
DEPOSIT TREND (Rs. in Cr) Jun '19 Jun '20 High Cost High Cost Deposit Current Deposit Current 0.02% 5.10% 0.02% 4.65% Core Savings Savings Time 41.29% 42.64% Deposit Core Time 53.59 Deposit 52.68% Particulars Jun '19 Jun '20 Y-o-Y Growth Current 13108 14830 13.14% Savings 121723 135671 11.46% Total
Slide 17: Advances Trend
ADVANCES TREND Rs. in Cr Jun '19 Jun '20 Retail 21.37% 25.72% 36.61% 37.97% Agri MSME 20.85% 19.20% Corporate 17.93% 17.12% SECTORS Jun '19 Jun '20 Y-o-Y Growth (%) Retail 40646 45392 11.68% Agriculture 34419 33886 -1.55% MSME 29599 30209 2.06% Corporate 60438 67009 10.87% Total Gross Advance 165102
Slide 18: Corporate Assets Quality - Standard
Corporate Assets Quality - Standard Jun '19 Jun '20 Unrated Unrated AAA AAA 11% 13% 11% 13% AA BB and 13% Below AA 25% 22% BB and Below A 30% 14% BBB A BBB 15% 14% 19% Rs in Cr Rating wise Standard Corporate Advances Jun '19 Jun '20 Y-o-Y Growth AAA 4953 6292 27.04% AA 5075 10150 100.01% A 5455 6833
Slide 19: Retail Segment
Retail Segment As on 30 Jun '20 Rs in Crore Home Loan Rs. 26007 Other Retail Loans Auto Loan Rs. 2684 Rs. 10582 Retail Segment Rs. 45392 (25.72% of Total Advance) Education Personal Loan Loan Rs. 3738 Rs. 2381 Segment Performance • Growth (Y-o-Y) – 11.68% • NPA - Rs 1959 Crore • NPA Ratio – 4.31% 18
Slide 20: Retail Segment
Retail Segment Rs in Crore Retail Segment Home Loans Auto Loans 26007 2687 45392 23334 2684 Jun '19 Jun '20 Jun '19 Jun '20 Personal Loans 2381 2306 40646 Jun '19 Jun '20 Education Loans Other Retail Loans 3891 10582 8428 3738 Jun '19 Jun '20 Jun '19 Jun '20 Jun '19 Jun '20 19
Slide 21: NBFC Portfolio
NBFC Portfolio As on 30 Jun'20 Total Exposure to NBFCs including HFCs Rs. 29258 Crore Asset Quality 13703 NPA 7.85% 742 1454 1993 4227 7138 Other NBFCs PA 92.15% Micro Finance Institutions (MFI) NBFC - PSUs Infrastructure Finance Co. Asset Finance Co. Housing Finance Co 20
Slide 22: Power Sector Portfolio
Power Sector Portfolio As on 30 Jun'20 Total Exposure to Power Sector Co. Rs. 14552 Crore Asset Quality Distribution of Portfolio Pvt sector companies 7.85% NPA 26.30% PA 73.70% Backed by large pvt Companies sector backed by institutions PSU/Govt 37.08% 55.07% 21
Slide 23: Road Sector Portfolio
Road Sector Portfolio As on 30 Jun'20 Total Exposure to Road Sector is Rs. 7716 Crore Asset Quality Distribution of Portfolio Pvt sector companies 36.30% NPA 32.52% PA 67.48% Backed by Large Pvt sector institutions 63.70% 22
Slide 24: Real Estate Portfolio
Real Estate Portfolio As on 30 Jun'20 Total Exposure to Real Estate sector is Rs. 2384 Crore Asset Quality Distribution of Portfolio Pvt sector companies 21.78% NPA 30.30% PA 69.70% Backed by Large Pvt sector institutions 78.22% 23
Slide 25: Asset Quality–Standard Restructured Accounts
Asset Quality–Standard Restructured Accounts 2755 Rs in Cr 2421 637 2058 Retail 1886 593 202 1763 547 139 Agriculture 540 526 152 1060 163 860 211 167 534 MSME 238 973 833 825 829 856 Corporate Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Rs in Cr Segment wise Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Corp
Slide 26: Asset Quality – SMA 0
Asset Quality – SMA 0 Rs in Cr 48098 43775 45093 4473 7918 8497 8576 Retail 3684 3675 26903 Agriculture 14232 14044 449 14120 MSME 7955 3359 Corporate 18053 20896 18798 15140 1691 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Rs in Cr Segment wise SMA 0 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Corporate 18
Slide 27: Asset Quality – SMA 1
Asset Quality – SMA 1 Rs in Cr 12470 3464 8831 1424 799 7676 Retail 2725 Agriculture 2970 4733 MSME 953 2997 2800 1857 Corporate 2619 324 319 847 733 2849 2507 1134 788 1038 671 134 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Rs in Cr Segment wise SMA 1 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Corporate
Slide 28: Asset Quality – SMA 2
Asset Quality – SMA 2 Rs in Cr 7963 7324 670 7010 2399 2802 2888 5101 Retail 573 314 Agriculture 612 2338 MSME 2608 2757 2597 1173 Corporate 1964 219 1744 1734 336 913 485 406 212 Jun '19 Sep '19 Dec '19 Mar'20 Jun '20 Rs in Cr Segment wise SMA 2 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Corporate 174
Slide 29: Asset Quality – NPA
Asset Quality – NPA Jun '19 Mar '20 Jun '20 Agriculture Agriculture 10.82% 15.51% Retail Agriculture Retail 6.17% 15.51% Retail 6.88% 6.13% MSME 16.73% Corporate Corporate MSME 61.74% Corporate MSME 65% 16.58% 61.78% 16.58% Segment Share of Total NPA Rs in Cr Jun '19 Mar '20 Jun '20 Segment wise NPA
Slide 30: Provision Coverage and Slippage Ratio
PROVISION COVERAGE(%) 79.12 77.29 76.85 76.88 73.73 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 SLIPPAGE RATIO(%) 3.22 1.65 0.91 0.28 0.01 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 29
Slide 31: NPA Movement
NPA Movement Rs. in Crore Gross NPA Jun '19 Dec'19 Mar '20 Jun '20 Qtr Qtr Qtr Qtr Opening Gross NPAs 32356 33497 33259 32589 Slippage of PA to NPAs 2141 3998* 378 20 Increase in balance of existing 92 350 62 14 NPAs Sub Total 2233 4348 440 34 Less: Up gradation 434 8 33 92 Recovery (Including 715 1
Slide 32: Asset Quality Trend
ASSET QUALITY TREND 19.93 19.89 19.99 18.92 18.10 Gross NPA % 9.26 7.98 7.90 7.63 Net NPA % 6.76 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Rs. in Crore Particulars Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Gross Advances 165102 168401 166411 172244 176496 Net Advances 143454 146294 146595 151101 154919
Slide 33: Status of NCLT accounts
Status of NCLT accounts As on Jun‘20 RBI List 1 O/s Rs. 871.13 cr PCR on NCLT accounts 100% RBI List 2 O/s Rs. 5420.27 cr 95% 95% 93% Others Rs. 15171.07 cr RBI Ist RBI IInd Others Total list list Total Rs. 21462.47 cr 32
Slide 34: Capital Ratios
CAPITAL RATIOS Capital Adequacy Ratio (%) 12.69 12.83 2.35 11.72 11.50 2.34 9.58 2.39 Tier-II 2.28 CET-I 2.00 10.34 10.64 9.33 9.22 7.58 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 Leverage Ratio (%) 4.37 4.39 3.78 3.83 3.31 Jun '19 Sep '19 Dec '19 Mar '20 Jun '20 33
Slide 35: Profitability
PROFITABILITY (Rs in Crore) Quarter ended Year ended Growth % Qtr Qtr Jun '20 Jun '20 Particulars Jun '20 Mar '20 Jun '19 Mar '20 over over Mar '20 Jun '19 (Q-o-Q) (Y-o-Y) 1.Total Income 6727 6724 6493 27200 0.04% 3.60% 1.1 Interest Income 6017 5929 5714 23563 1.48% 5.30% 1.2 Other Income 710 795 77
Slide 36: Total Income
TOTAL INCOME (Rs. In Crore) Quarter ended Year ended Growth % Qtr Qtr Particulars Jun '20 Jun '20 Jun '20 Mar '20 Jun '19 Mar '20 over over Mar '20 Jun '19 (Q-o-Q) (Y-o-Y) Interest Income 6017 5929 5714 23563 1.48% 5.30% (i) Advances 3123 3237 3069 12506 -3.52% 1.76% (ii) Investments 2542 2526 2422
Slide 37: Non-Interest Income
NON-INTEREST INCOME (Rs. In Crore) Quarter ended Year ended Growth % Qtr Qtr Particulars Jun '20 Jun '20 Jun '20 Mar '20 Jun '19 Mar '20 over over Mar '20 Jun '19 (Q-o-Q) (Y-o-Y) NON-INTEREST 710 795 779 3637 -10.69% -8.86% INCOME Commission, Exchange & 284 294 337 1136 -3.40% -15.73% Brokerage Trad
Slide 38: Total Expenditure
TOTAL EXPENDITURE (Rs. In Crore) Quarter ended Year ended Growth % Qtr Qtr Particulars Jun '20 Jun '20 Jun '20 Mar '20 Jun '19 Mar '20 over over Mar '20 Jun '19 (Q-o-Q) (Y-o-Y) A)Interest Expended 3871 4003 3924 15934 -3.30% -1.35% i) Deposits 3728 3887 3783 15402 -4.09% -1.45% ii) RBI/Interbank 1 4
Slide 39: Establishment Expenses
ESTABLISHMENT EXPENSES (Rs. In Crore) Year Quarter ended ended Growth % Qtr Qtr Particulars Jun '20 Jun '20 Jun '20 Mar '20 Jun '19 Mar '20 over over Mar '20 Jun '19 (Q-o-Q) (Y-o-Y) Basic Pay/ Spl. Pay 319 312 331 1294 2.24% -3.63% Special Allowance 25 24 26 99 4.17% -3.85% Dearness Allowance 258 24
Slide 40: Other Operating Expenses
OTHER OPERATING EXPENSES (Rs. In Crore) Year Quarter ended Growth % ended Qtr Qtr Particulars Jun '20 Jun '20 Jun '20 Mar '20 Jun '19 Mar '20 over over Mar '20 Jun '19 (Q-o-Q) (Y-o-Y) Other Operating Expenses Rent & Taxes 84 99 75 365 -15.15% 12.00% Lighting, Generator 20 32 29 129 -37.50% -31.03% D
Slide 41: Provisions & Profit
PROVISIONS & PROFIT (Rs. In Crore) Quarter ended Year ended Growth % Qtr Qtr Particulars Jun '20 Jun '20 Jun '20 Mar '20 Jun '19 Mar '20 over over Mar '20 Jun '19 (Q-o-Q) (Y-o-Y) OPERATING PROFIT 1291 517 1104 4344 149.71% 16.94% PROVISIONS 1156 2046 986 5465 -43.50% 17.24% i) NPA 496 1628 921 4230
Slide 42: Investment Portfolio
Investment Portfolio Govt. Securities 5% Jun '19 Jun '20 17% 0% 0% Other Approved 0% 4% 0% 2% 22% Shares 0% 2% Debentures & Bonds Subsidiaries & 0% Joint Ventures 76% Others 72% Investment Outside India (Rs. in Crore) Particulars Jun '19 Jun '20 Govt. Securities 100514 108498 Other Approved 0 0 Shar
Slide 43: Treasury Operations
Treasury Operations AFS BOOK (Rs. in Crore) OTHERS Jun-20 Jun-19 PSU OTHERS 10% PSU 6% G-sec & T-bill 12% CORPORATE 41% CORPORATE 2% BOND BOND G-sec & T-bill 6% 3% 45% SDL SDL 31% 32% CP CP 5% 7% Modified Duration : 2.89 Modified Duration : 2.06 Break up of Domestic Investments(%) 57% 56% (Rs. in Cr
Slide 44: Treasury Performance
Treasury Performance Interest on Investment Trading Profit 337 2542 233 2422 Jun '19 Jun '20 Jun '19 Jun '20 Yield on Investment Yield on Investment 7.13% (including Trading Profit) 7.82% 6.83% 7.73% Jun '19 Jun '20 Jun '19 Jun '20 Particulars Jun '19 Jun '20 Interest on Investment (Rs. in Crore) 24
Slide 45: Penetration of Digital Transactions
Penetration of Digital Transactions July 18 to June 19 July 19 to June 20 UPI IMPS 10% 19% 8% 35% Mobile Banking 8% 10% 47% Internet Banking POS &e-Com 14% 8% 9% RTGS /NEFT 3% 0% 9% 12% 1% AEPS 7% Share of Digital Txns through ADC 45.46% OTHERS Share of Digital Txns through ADC 70.79% Merchant Payme
Slide 46: Composition of Digital Transactions Count
Composition of Digital Transactions Count (No. in lacs) Digital Transactions July 18 to June 19 Digital Transactions July 19 to June 20 4170 1891 1010 771 870 754 715 754 912 659 649 480 425 81 154 20 UPI IMPS Mobile Banking Internet POS & Ecom RTGS/NEFT AEPS Other Digital Banking Mode 45
Slide 47: Digital Penetration (As on 30.06.2020)
Digital Penetration (As on 30.06.2020) UPI • Processing 13.47 lakhs transactions per day • Handled 1212.3 lakhs transactions during the Q1 of FY 2020-21 • Number of UPI-VPA users: 6.17 lakhs Debit Card • No. of cards at 2.46 Crore (Active EMV Cards) • Handled 132.53 lakhs online transactions during
Slide 48: BC Network and Transactions
BC Network and Transactions No. of transactions via BC (in Lacs) 146.08 129.94 133.71 124.86 119.7 Jun '19 Sept '19 Dec '2019 Mar '20 Jun '20 Amount of transactions via BC (Rs. in Crores) 6627.79 6294.03 6374.24 5701.22 4616.88 Jun '19 Sept '19 Dec '2019 Mar '20 Jun '20 47
Slide 49: Financial Inclusion
Financial Inclusion PMJDY No of accounts(In Lacs) Balance Outstanding Accounts with Zero Balance (In Crores) (in Lacs) 130.84 3668.74 3005.66 3138.07 19.14 122.24 122.59 2607.58 2745.42 18.07 18.33 120.37 16.18 15.28 116.2 June '19 Sept '19 Dec '19 Mar '20 Jun '20 June '19 Sept '19 Dec '19 Mar '20 J
Slide 50: Central Bank of India Group
Central Bank of India Group Subsidiaries (Rs. In Crore) Cent Bank Home Finance Ltd. - Central Bank of Particulars Q1FY21 Q1FY20 • Engaged into Housing Finance India Shareholding activity Total Income 32 38 • Presence in 9 States through 18 Branches Net Profit / (Loss) 2 4 • Advances & Investment Por
Slide 51: Central Bank of India Group
Central Bank of India Group Group Position Rs. in Cr. Particulars As on 30 Jun 2020 As on 30 Jun 2019 CAPITAL & LIABILITIES Capital 5710 4126 Reserves and Surplus 15974 15325 Minorities Interest 46 45 Share Application Money Pending Allotment 0 0 Deposits 321676 298243 Borrowings 7105 5094 Other Lia
Slide 52: Central Bank of India Group
Central Bank of India Group Group Performance Rs. in Cr. Particulars Q1FY21 Q1FY20 INCOME Interest and Dividend Earned 6041 5745 Other Income 710 774 Total 6752 6518 EXPENDITURE Interest Expended 3886 3942 Operating Expenses 1568 1469 Provisions and Contingencies 1160 992 Total 6614 6403 Consolidate
Slide 53: Thank You
Central Bank of India pays homage to its visionary founder Sir Sorabji Pochkhanawala on his 139th Birth Anniversary on 9th August 2020 THANK YOU 52
Central Bank of India — Q1 FY2021 Earnings Presentation on 6ix