Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Q3 FY2020 Earnings Presentation
45 slides from Central Bank Of India's earnings presentation, Jan 28, 2020
Slide 1: Cover letter to stock exchanges
age de site sfear dege ain site sfsar Central Bank of India andhaerah — = : Central Office CO:MBD:2019-20:675 28th January, 2020 National Stock Exchange of India Limited | General Manager Listing Department Corporate Relationship Deptt Exchange Plaza, BSE Ltd. Plot No.C/1, 'G’ Block Phiroze Jeejeebh
Slide 2: Quarterly / Nine Monthly Financial Results 31.12.2019 Analyst Presentation
acces aa sil sfsar Central Bank of India 1911 @ sae fere “‘asfaa’’ “CENTRAL” TO YOU SINCE 1911 Quarterly / Nine Monthly Financial Results 31.12.2019 Analyst Presentation Visit us at www.centralbankofindia.co.in 7) :- http://twitter.com/centralbank in Kd :-https://www.facebook.com/centralbank:
Slide 3: Safe Harbour
dope din ails sidan Central Bank of India Safe Harbour
Slide 4: Mission
| ' ‘MISSION | et products and human resources _ and technology — | Cc - Consistency i
Slide 5: Performance Highlights
PERFORMANCE HIGHLIGHTS INANCIAL PERFORMANCE i ASSET QUALITY — CAPITAL ADEQUACY 6 . PROFITABILITY < DIGITAL BANKING -(@)< FINANCIAL INCLUSION < CONSOLIDATED FINANCIALS
Slide 6: Recent Initiatives
Boyes aes ails efBear | entral Bank of India ‘CENTRAL TO YOU SINCE 1811 RECENT INITIATIVES tional Restructuring done by creating 31 new Regional Offices and reducing the f Zonal Offices from 13 to 10 for better focus on the business. Corporate Finance Branches and 6 Mid Corporate Branches are now re
Slide 7: Recent Initiatives
aoges des sits sider Central Bank of India NTRAL TO RECENT INITIATIVES _ e Management System (PMS) based on the model of Balance scorecard ing on Business, Customer, Process and People Factors has been launched. oS Planning, which includes Competency Mapping Model to develop Robust _eadership Plan h
Slide 8: Recent Initiatives
ition, monitoring and various API interface to improve credit underwriting, Turn (TAT) and monitoring including Early Warning Signals (EWS). LLMS will have of online tracking of loan application. E terprise wise Fraud Risk Management Solutions (EFRMS) is initiated in three phases. The first phase wi
Slide 9: Shareholding Pattern
Boga den sits sfsar Central Bank of India SHAREHOLDING PATTERN Oe Boy Con Pe ha es, Others 0.08% Share Capital : Rs. 5709.76 Crore ¢ Shares of Central Bank of India is listed on BSE and NSE. ° Equity Shares of Central Bank of India is part of following indices:- ° NSE 500, BSE 500 & BSE | PSU Govt o
Slide 10: Financial Performance
| dager dis its ofeer Central Bank of india RAL TOYO
Slide 11: Performance Highlights
~~ PERFORMANCE HIGHLIGHTS Net profit improved to Rs. 155 Cr in Q3 FY'20 compared to loss of Rs. 718 Cr in Q3 FY'19. CASA share in Total Deposits has improved from 44.64% in Q3FY'19 to 45.49% in Q3FY'20. Total Deposits increased to Rs.3,08,435 crore in Q3FY'20 from Rs. 2,95,419 crore in Q3FY'19. Gros
Slide 12: Performance Highlights
PERFORMAN CE HIGHLIGHTS Y-0-Y Q-0-Q 2.92% 2022 Cr 2022 Cr 1696 Cr 1696 Cr Operating Profit 155:Cr Net Profit
Slide 13: Key ratios: CRAR and NPA
Boga ae site efgar Central Bank of India 48.14% 12.83% CRAR (BASEL II) 19.99% ‘his is impact of RBI divergence in Q3FY'20
Slide 14: Cost to Income and Liquidity Coverage Ratio
al Bank of India CENTRAL TO YOU SINCE 1911 Jun '19 Sep'l19 Dec '19 Dec '18 Mar '19 Jun 19 sep 19 ‘ost to Income Ratio(%) Liquidity Coverage Ratio (%) 340.03 62.07 57.00 306.57 Mar '19 Jun '19 Sep '19 Dec'l8 Mar '19 Jun '19
Slide 15: Return on Assets and Credit Cost
Jun '19 Sep'19 Dec '19 Dec '18 Mar'19 Jun '19 Return on Assets (ROA)(%) Credit Cost(%) hae 0.17 far 19 Jun'19
Slide 16: Deposits and CASA
dope dis silts sida Central Bank of India CENTRAL TO YOU SINCE 1911 294303 Jun'19 Sep'19 Dec '19 Decl Mar'l9 ~— Jun"19._— Sep'"1I9._— Dec 19 CASA (Terminal figures) Average CASA 140313 136457 138555 en 191758. 238 ar'l9 = Jun "19 Sep '19 Dec'l9 Dec '18 Jun "19 Sep'19 data is based on fortnightly ave
Slide 17: CASA Trend
S| aega dis silts siden ' / : | Central Bank of Indic = —— CASA TREND ‘Terminal figures (Rs. in Cr) Dec '19 : High Cost Deposit Current 0.02% 451% Savings Savings 40.98% 39.66% Core Timi 9, Deposit - 54.49% 14702 _ 13918} 117174 126395| 162737 168061] 806) 295419
Slide 18: Business Trend: Advances
‘CENTRAL TO YOU SINCE Seve =»: BUSINESS TREND Advances 167709 168401 165102 Mar'l9 — Retail =~ Jun 19 Sep '19 Lending Schemes 21.37% ee Other P Segment 2.05% Corporate. ae tae 23.81% = Other P Segment 2.74% Agri 20.80% MSME MSME 18.34% 17.22% 40092} 44174] 10.18% 36588 39619 3504] 4555 35613| 34781
Slide 19: Corporate Assets Quality
} | etogesates sits afer fle Central Bank of india : : orporate Assets Quality - 18 ' Dec!18 AAA Unrated. pee ae 6.07% ' AA 13.26% BB and Below 24.51% BBB A 18:35% 19.88%
Slide 20: Diversified Industry Portfolio
doges de ails sigen Central Bank of India sa Jiversified Industry Portfolio 23259.05| 13.98%] 23343.66] 13.86% 17.17% -20.88%4 9598.10] __5.77%| 9601.71] 5.70% 16006] 9.35% —_-40.03%4 1070.58] 0.64% 1089.58] 0.65% 2628] 1.54% — -59.26% 6615.46, 3.98% 6769.84] 4.02% 7044.3] 4.12% _ -6.09%4 5974.91] 3
Slide 21: NBFC Portfolio
NBFC Portfolio Standard Assets 85.73% 9 aa mA- and above 22.57% Backed by large = BBB-, BBB, Pvt Sector BBB+ Institutions ™ BB and below i Unrated
Slide 22: Restructured Accounts
aoga din site sear Central Bank of India Agriculture S41 SME “Corporate 968 973 833 183 211 238 169] 163 167| 536] 540 526] 1856) 1886] 1763 ‘the quarter Dec’19. MSME accounts to the tune of Rs 289.10 crores are restructured under RBI guidelines f MSME advance. Further, few housing and Education loa
Slide 23: Sectoral Breakdown
aoges dies ait Central Bank of India CE 19 Agriculture _ jl MSME ™ Corporate Dec '19 Rs in Cr 3433} 5147 1623 5442 15644
Slide 24: Asset Quality - NPA
| aogesdtes sitte steer | Central Bank of India Asset Quality —NPA Sep '19 Agriculture 11.28% 15.63% Corporate 67.37% Corporate 61.38% Rs in Cr 2788 7.83 3780) 10.69 3133 6.49 1913 515 5095] 16.23 5236| 17.95 24317| 43.50] 22568 33.82 35333] 20.64) 33497 19.89 16.60%
Slide 25: Provision Coverage and Slippage Ratio
Sere §=—- PROVISION COVERAGE(%) ITRAL TO YOU SINCE 1911 76.85 76.88 64.97 65.24 6551 : BB —o 59.20 55.83 | Dec '18 Mar '19 Jun '19 Sep '19 Dec '19 Dec '18 Mar'19 Jun '19 Sep '19 Dee '19 SLIPPAGE RATIO(%) 3.2: i I Mar '19 Jun 19 Sep '19 incl des RBI divergence accounts.
Slide 26: NPA Movement
aege din ale sigan — kof India : NPA Movement neludes RBI divergence accounts.
Slide 27: Gross and Net NPA Trend
} Boga dis sits siden Central Bank of India iGE 1911 171182) 167729 Dec '19 165102) ~f-Net NPA % Rs. in Crore 151267] 146525] 143454 35333 32356 32908 15605 11333} 11441 20.64 19.2 19.93} 10.32} 7.73 7.98)
Slide 28: Status of NCLT Accounts
aegod's site ear Central Banko nda a Status of NCLT accounts INCE 1911 As on Dec 2019 | Rs. 5282.53 cr Rs. 15285.25 cr counts in RBI 1 & 2 list having 100% PCR (O/s 3133.68 Cr)
Slide 29: Capital Ratios
sega dn site sien f Central Bank of India : Cc apital Ratios ENTRAL TO YOU SINCE 1917 _ dequacy Ratio (%) 12.57 Dec '18 Mar'19 Jun '19 * “TRWAs to Total Asset” ratio - Dec 18: 47.80%, Dec19: 42.79%. Sep '19 Leverage Ratio (%) 4.37 3.24 3.31 Mar '19 Jun '19 12.83 | i i i Dec '19 + “Credit Risk Weight
Slide 30: Profitability
| Central Bank of India CENTRAL TOY. PROFITABILITY (Rs in Crore) 727 6704, 63291 20475 += 18431] «11.0 6029 5go0o| «5785, ~—«:17633~=—s«7162l 7d 1249 814 544-284 ~=—1269] «123.90 9584 5673] 5614] 16644 «16823, 1.03 LinterestExpended | 4007, 3999] 3969] sti93d._—_11993 0.55 2.2 Operating Exp. 1571679
Slide 31: Total Income
Central Bank of India TOTAL INCOME (ii) Investments (iii) Call money/ 13 9 65) T7252; : -46.33 [Balances with Banks 5 137 25 3 52.72 1.46 267 210) 66 61] 271 124! 814 544 2842) 1269| 7278 6704 6329 20475, 18431
Slide 32: Non-Interest Income
Cnr ttn : N-INTEREST INCOME (Rs. In Crore) CENTRAL 123.96 53.44 129.60 ‘ Commission, Exchange : & Brokerage : 0.00 21.49 1.77 ivestments 284) 395 139 9121 -66| 1481.82 -28.10 104.32 oes Sad 520 47 25| 640) 203} 215.27, 1006.38 1980.00 19) 18 18 55 51 7.84 5.56 5.56 54 51 32 172 104) 65.38 : 68.75 26
Slide 33: Interest Expended
| aogesdts site eigen FF entral Bank of India 3 s. In Crore) Interest Expended i) Intt on Sub- ordinate Debts | iv) Int on Borrowing/ 30) B) Opts. Expenses _ 1575 1679] «1645, 47191 4830, nses 5582 5678 5614 16649, 16823)
Slide 34: Other Operating Expenses
SES (Rs. In Crore) ENTRI Bent Bento OTHER OPERATING EXPEN 265.64 246.92 758 0.65 15.93 29.07, 38.93) 29.65] 96.68, 100.07 3.3 «25.33, —-1.96 74.24 64.75, 68.93) 211.68 203.57 3.98 14.731 7.78 phone, Internet, Postage 24.03 23,33] 17.02 69.64) 60.37| 15.36, 3.00 41.19 Insurance incl. Deposit Insur. 9
Slide 35: Provisions & Profits
| Central Bank of India PROVISIONS & PROFI- (Rs. In Crore) 199 226-229 617, 714, 13.59 -15.93] 182.97 4 26 4 5 -26 119.23] -107.69 _-50.00 0 2 0 1 12 24 26 6-231 292 loo -378 344-1790 185 134-718 407-3164
Slide 36: Investments
OTHERS. G-see & T-bill PSU 14% 51% corporate _2% 3% Modified Duration : 2.58 : Domestic 143763} ™Dec-18 Investments ™Dec-19* - of which- SLR 108248
Slide 37: Digital Transactions Share
ADC 58.67% POS/MPOS Bharat QR. No. of Internet Banking users tion of Digital Transac 9M 2019-20 Share of Digital Txns through ADC 70.18% 2347 | na sac a No. of Mobile No. of UPI / VPA. Banking users Be @POS &e-Com @ RTGS /NEFT 4 AEPS tt ATM/ CDM ‘4 OTHERS i No. of ATM No. of BC
Slide 38: Digital Transactions Count
dope din ails 3! Central Bank of India igital Transactions Count April 2018 To Dec 2018 - 5086 Lacs ‘igital Transactions Count April 2019 To Dec 2019 - 6858 Lacs oh 657 441 502 es IMPS Mobile Internet POS &e- Banking Banking Com
Slide 39: Digital Banking Channels
on Soeete nts vier - | Central Bank of India NTRAL TO YOU Si ‘7.81 lakhs transactions per day 148.21 lakhs transactions from April 2019 UPI-VPA users: 5.26 lakhs SG Number of Users : 49.96 lakhs + Processing 2.0 lakhs transactions per day Mobile Banking * Number of Users : 23.47 lakhs cessing 0.12 l
Slide 40: Financial Inclusion
Boxes des sites eee | Central Bank of India 437.02 323.58 | 388.51 Dec'l8(9 Months) Mar'19 (12 Months) Dec '2019 (9 Months) 21582.72 : : ; 19296.06 og i c | Dec '18 (9 Months) Mar'19(12 Months) Dec '2019 (9 Months)
Slide 41: Social Security Scheme Enrolments
aoge dis ate sigar | Central Bank of India | TRAL TO YOU SINCE 1 I ~Mar'19 June'19 Sept '19 Dec'19 Dec '18 Mar'l9 ~— June 19 Total Enrolments (In lacs) @PMJJBY ™PMSBY APY 38.86 12.58 Sept'19 Dec '19
Slide 42: Subsidiaries and Associates
| aogerats ait een | Central Bank of india ENTRAL TO YOU SINCE 1911 Total Income 107.74 age Net Profit / (Loss) goo] os 0 Total Assets 1390.90) 1322.47] : Capital & Reserves 125.99 116.69) f Centbank Financial Services Ltd. * Engaged into Trusteeship Services mainly in Total Income 3.04 4.21 - oe an
Slide 43: Consolidated Balance Sheet
ba 2.973 14,398) _ 42) ‘ion Money Pending Allotment 1,678 3,08,931 2,95,879| 5,494] 5,323} ies and Provisions 11,281 7,890) Total] 3,48,968 3,28,183 ASSETS d Balances with Reserve Bank of India 26,122) anks and Money at Call and Short Notice 3,948) 1,39,565| 1,47,527 4,278 27,519 9 Total 3,48,968)
Slide 44: Consolidated Provisions and Profit
|Provisions and Contingencies Total} ubsidiaries before Minority Interest eae Net Profit/-Loss for the year of the parent &
Slide 45: Central to You Since 1911
Sega as site sizar Central Bank of India CENTRAL TO YOU SINCE 1911
Central Bank of India — Q3 FY2020 Earnings Presentation on 6ix