Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q4 FY2021 Earnings Presentation
30 slides from Dcb Bank's earnings presentation, May 8, 2021
Slide 1: Cover letter to stock exchanges
DCB BANK Ref. No.CO:CS:RC:2021-22:035 May 08, 2021 BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Fort, Bandra (E), Mumbai — 400 051 Mumbai - 400 023. Dear Sirs, Re: Investor Presentation Q4 - FY 2021 May 08, 2021
Slide 2: Investor Presentation – Q4FY 2021
Investor Presentation – Q4FY 2021 May 08, 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 March 31, 2021
Branch Network March 31, 2021 DCB Bank Limited 3
Slide 5: Key Indicators - I
Key Indicators - I INR mn No. of Branches Balance Sheet Cost to Income Ratio Return on Asset Return on Equity Q4 FY 2021 352 396,021 53.90% 0.80% *8.96% Q3 FY 2021 347 378,588 43.32% 1.01% *11.22% Q2 FY 2021 344 375,569 47.28% 0.86% *9.88% Q1 FY 2021 341 381,556 50.26% 0.82% *9.86% FY 2021 352 396,0
Slide 6: Key Indicators - II
Key Indicators - II INR mn Q4 FY 21 Q3 FY 21 Q4 FY 20 Y-o-Y Deposits 297,039 288,581 303,699 (2%) Of which CASA 67,865 66,576 65,192 4% Of which Certificate of Deposits 0 0 6,081 (100%) Of which Term Deposit 229,174 222,005 232,426 (1%) - Of which NRI Term 23,838 24,213 26,133 (9%) - Of which Inter
Slide 7: Balance Sheet
Balance Sheet Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, INR mn 2019 2015 2016 2017 2018 2020 2021 Shareholder’s Equity 15,886 17,922 22,049 28,078 31,156 34,222 37,586 Deposits 126,091 149,260 192,892 240,069 284,351 303,699 297,039 Borrowings 11,638 11,479 12,758 19,267 27,232 34,079
Slide 8: Profit & Loss
Profit & Loss INR mn Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Q4 FY21 Net Interest Income 3,237 3,067 3,339 3,348 3,112 Other Income 1,099 776 925 1,545 1,339 - Commission, exchange and brokerage 664 269 435 550 702 - Profit on Sale of Investment 174 380 293 741 13 - Profit on Exchange 52 35 66 51 74 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 March 31, 2021 Residential Term Deposit *CASA 60% 23% Interbank Term Deposit 9% Non-Resident Term Deposit 8% * CASA includes NRI CASA 9 DCB Bank Limited
Slide 11: Advances Mix
Advances Mix Net Advances as on March 31, 2021 SME + MSME, 10% Mortgages, Corporate 42% Banking, 11% Others, 4% AIB , 22% AIB Net Advances as on March 31, 2021 Commercial Vehicle, 5% Gold Loan, 6% Mortgages, Kissan Credit 6% Card, 4% Gold Loan, 2% SME/MSME Others, 2% , 2% MFI+BC, Tractors, 3% 3% 10
Slide 12: NIM, Yield and Cost of Funds
NIM, Yield and Cost of Funds Year Ended FY FY FY FY FY FY FY Q4 FY 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2020-21 Net Interest 3.72% 3.94% 4.04% 4.16% 3.83% 3.67% 3.59% 3.46% Margin (NIM) Yield on 12.63% 12.52% 12.03% 11.41% 11.29% 11.50% 11.06% 10.65% 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, Mar 31, 2015 2016 2017 2018 2019 2020 2021 Gross NPA 1.76% 1.51% 1.59% 1.79% 1.84% 2.46% 4.09% Net NPA 1.01% 0.75% 0.79% 0.72% 0.65% 1.16% 2.29% Provision 74.66% 77.55% 73.80% 75.72% 78.77% 70.81% 62.35% Coverage INR mn Mar 31, Ma
Slide 14: Gross NPA Movement
Gross NPA Movement INR mn FY 2020-21 Q4 2020-21 Q3 2020-21 Q2 2020-21 Q1 2020-21 FY 2019-20 Opening Balance 6,315 5,023 5,737 6,218 6,315 4,395 (+) Add Fresh Slippages 6,785 6,642 - 90 52 6,577 Addition to Existing 77 31 5 8 32 63 NPAs (-) Less 1 Recoveries 748 227 207 215 98 1,725 Upgrades 332 116
Slide 15: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, INR mn 2015 2016 2017 2018 2019 2020 2021 SLR 34,750 39,855 47,711 49,091 60,007 61,363 67,370 Non-SLR 4,872 3,478 10,468 13,099 18,434 16,052 16,767 Total Investments 39,622 43,333 58,179 62,190 78,441 77,415 84,137 HTM 27,567 30,580
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, 2015 2016 2017 2018 2019 2020 2021 CRAR 14.95% 14.11% 13.76% 16.47% 16.81% 17.75% 19.67% -- Tier I 14.21% 12.79% 11.87% 12.72% 13.10% 13.90% 15.49% -- Tier II 0.74% 1.32% 1.89% 3.75% 3.71% 3.85% 4.18% RWA* 10
Slide 17: Ratings
Ratings Sep 30, Dec 31, Mar 31, Mar 30, Mar 30, Mar 31, Mar 31, 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 ▪ Commercial Vehicle ▪ Foreign Exchange ▪ Working Capital ▪ L
Slide 20: Investor Profile as on Mar 31, 2021
Investor Profile as on Mar 31, 2021 Shareholding Pattern Key Non Promoter Shareholders % Bodies Corporate HDFC Small Cap Fund 4.43% *** Institutions 53.58% 5.31% ICICI Prudential Mutual Fund* 4.38% India Advantage Fund S4 I 4.02% DSP Small Cap Fund 3.42% ITPL - Invesco India Mutual Fund* 3.30% Frank
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 Chief Compliance Officer Head – Collections & Commercial Vehicles Ajit Kumar Singh - 29 yrs work exp. T P Anuradha – 22 yrs work exp. Bappa Roy – 30 yrs work exp. Hea
Slide 23: Rewards & Recognition
Rewards & Recognition 22 DCB Bank Limited
Slide 24: Finnoviti Awards 2021, Infosys and ASSOCHAM awards
Finnoviti Awards 2021 : “ATMChain” - DCB Bank’s 1st Blockchain based project has been awarded at 9th edition of Finnoviti Awards 2021 Infosys Client Innovation Awards : Runners-up in the Ecosystem Innovation category of Infosys's Client Innovation Awards. The Bank has been recognized for Innovation
Slide 25: Digital Update
Digital Update 24 DCB Bank Limited
Slide 26: Core Banking System Upgrade
Core Banking System Upgrade DCB Bank Core Banking Solution has been upgraded, which will help the Bank in accelerating digital agenda and providing enhanced products and services. 25 DCB Bank Limited
Slide 27: Digital Journey…
Digital Journey… DCB Bank’s UPI limit increased to 5 Lakh per day
Slide 28: Digital Journey…
Digital Journey… DCB Bank introduced E-NACH Registration through digital modes.
Slide 29: Digital Payment
Digital Payment Temporary PIN request through DCB Bank – Mobile Banking App 28 DCB Bank Limited
Slide 30: 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