Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q3 FY2022 Earnings Presentation
32 slides from Dcb Bank's earnings presentation, Feb 9, 2022
Slide 1: Cover letter to stock exchanges
DCB BANK Ref. No.CO:CS:RC:2021-22:255 February 09, 2022 BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, Sandra Kurla Complex, Dalal Street, Fort, Sandra (E), Mumbai - 400 023. Mumbai - 400 051. BSEScrip Code No.: 532772 NSESYMBOL:DCBBANK Dear Sirs, R
Slide 2: Investor Presentation – Q3FY 2022
Investor Presentation – Q3FY 2022 February 09, 2022 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 December 31, 2021
Branch Network December 31, 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 Q3 FY 2022 367 411,776 57.09% 0.73% *8.28% Q2 FY 2022 356 414,747 58.41% 0.63% *7.28% Q1 FY 2022 354 403,085 52.97% 0.34% *3.79% FY 2021 352 396,021 48.87% 0.87% *9.99% FY 2020 336 385,051 5
Slide 6: Key Indicators - II
Key Indicators - II INR mn Q3 FY 22 Q2 FY 22 Q3 FY 21 Y-o-Y Deposits 322,311 317,695 288,581 12% Of which CASA 83,621 80,619 66,576 26% Of which Certificate of Deposits 0 0 0 - Of which Term Deposit 238,690 237,076 222,005 8% - Of which NRI Term 22,530 23,407 24,213 (7%) - Of which Inter Bank Term 3
Slide 7: Balance Sheet
Balance Sheet Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Dec 31, 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 39,335 Deposits 126,091 149,260 192,892 240,069 284,351 303,699 297,039 322,311 Borrowings 11,638 11,479
Slide 8: Profit & Loss
Profit & Loss INR mn Q3 FY21 Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Net Interest Income 3,348 3,112 3,087 3,233 3,450 Other Income 1,566 1,298 1,212 977 1,183 - Commission, exchange and brokerage 550 702 472 614 630 - Profit on Sale of Investment 741 13 538 104 163 - Profit on Exchange 51 74 88 61 61 Trans
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 1,561 2,066 2,439 2,982 3,438 3,879 4,458 - 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 December 31, 2021 Resident TD, 58% CASA, 26%* Non- Resident TD, 7% Inter Bank Term Deposits, 9% * CASA includes NRI CASA 9 DCB Bank Limited
Slide 11: Advances Mix
Advances Mix Net Advances as on December 31, 2021 SME + MSME, 10% Corporate Mortgages, Banking, 10% 42% AIB, 22% Others, 3% Gold Loan, 6% AIB Net Advances as on December 31, 2021 Co-Lending, Commercial 3% Vehicle, 4% Kissan Credit Mortgages, Card, 4% 6% Gold Loan, 2% Others, 3% MFI + BC, 3% SME + MS
Slide 12: NIM, Yield and Cost of Funds
NIM, Yield and Cost of Funds Year Ended FY FY FY FY FY FY FY Q3 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% 3.61% Margin (NIM) Yield on 12.63% 12.52% 12.03% 11.41% 11.29% 11.50% 11.06% 10.67% 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, Dec 31, Mar 31, Dec31, 2015 2016 2017 2018 2019 2020 2020 2021 2021 Gross NPA 1.76% 1.51% 1.59% 1.79% 1.84% 2.46% 1.96% 4.09% 4.73% Net NPA 1.01% 0.75% 0.79% 0.72% 0.65% 1.16% 0.59% 2.29% 2.52% Provision 74.66% 77.55% 73.80% 75.72
Slide 14: Gross NPA Movement
Gross NPA Movement INR mn Q3 FY 2021-22 Q2 FY 2021-22 Q1 FY 2021-22 FY 2020-21 Opening Balance 12,849 12,688 10,834 6,315 (+) Add 1 Fresh Slippages 4,567 4,142 5,151 6,785 Addition to Existing NPAs 8 24 45 77 (-) Less 2 Recoveries 1,843 941 905 748 Upgrades 2,171 3,026 1,621 332 3 Write Offs / Sacri
Slide 15: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Dec 31, 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 71,979 Non-SLR 4,872 3,478 10,468 13,099 18,434 16,052 16,767 13,854 Total 39,622 43,333 58,179 62,190 78,441 77,415 84,137 85,
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, Dec 31, 2015 2016 2017 2018 2019 2020 2021 2021 CRAR 14.95% 14.11% 13.76% 16.47% 16.81% 17.75% 19.67% 18.21% -- Tier I 14.21% 12.79% 11.87% 12.72% 13.10% 13.90% 15.49% 15.10% -- 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, Dec 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 ▪ Co-Lending ▪ Foreign Exchange ▪ Working Capital ▪ Lockers ▪
Slide 20: Investor Profile as on December 31, 2021
Investor Profile as on December 31, 2021 Shareholding Pattern Key Non Promoter Shareholders % *** Institutions ICICI Prudential Mutual Fund* 4.64 Bodies Corporate 48.86% 5.72% HDFC Mutual Fund* 4.45 DSP Small Cap Fund 4.34 India Advantage Fund S4 I 4.02 Franklin India Smaller Companies Fund 3.36 Oma
Slide 21: Board of Directors as on February 09, 2022
Board of Directors as on February 09, 2022 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 Ashok Barat and CPA, Australia. Mr. Barat held responsible and senior le
Slide 22: Management Team
Management Team Abhijit Bose – *31 yrs work exp. Ajay Mathur – 29 yrs work exp. Ajit Kumar Singh – 29 yrs work exp. Chief Credit Officer Head – Collections & Commercial Head – Treasury & FIG Business Vehicles T P Anuradha – 22 yrs work exp. Bappa Roy – 30 yrs work exp. Bharat Sampat – *35 yrs work e
Slide 23: Awards & Recognition
Awards & Recognition 22 DCB Bank Limited
Slide 24: ACEF Asian Leaders Awards
DCB BANK ROE 7 Te MZ te W YW DCB BAN To be a Great place to work, we follow practises that are nothing but the best Weare glad to announce that DCB Bank has won in the Gold in ACEF ASIAN LEADERS AWARDS FOR BRANDING, MARKETING AND CSR in two categories this year! The Bank's CSR partnership project of
Slide 25: Infosys Finacle Innovation Awards 2021
DCB BANK InfOS,S' | I Finacle INNOVATION AWARDS 2021 Congratulations DCB Bank ’ initiative has been recognized as Winner r Among the mid size bank segment in the ' ‘Ecosystem-led Innovation’ category
Slide 26: Digital Update
Digital Update 25 DCB Bank Limited
Slide 27: Digital… Income Tax E-Filing 2.0
Digital… INCOME TAX E-FILING 2.0
Slide 28: Regulation Mandated Initiatives: Cards E-Mandate
Regulation Mandated Initiatives CUSTOMER SELF SERVICE CARDs E-MANDATE INTERFACE RBI guideline on e-mandate for cards (Debit, Credit, Co-branded and Prepaid) for recurring transactions with Additional Factor of Authentication (AFA). E-mandate or Standing Instruction to charge the Debit Card for recur
Slide 29: Regulation Mandated Initiatives: Card Management
Regulation Mandated Initiatives CUSTOMER SELF SERVICE CARD MANAGEMENT INTERFACE RBI Digital Payment Security Control (DPSC) recommendation. Authentication on the internet banking website with strong CAPTCHA for: • User Registration – Internet Banking user registration with DCB Debit Card for authent
Slide 30: Regulation Mandated Initiatives: Video KYC
Regulation Mandated Initiatives CUSTOMER SELF SERVICE VIDEO KYC (VKYC) INTERFACE RBI amendment to the Master Direction (MD) on KYC. The video process of the V-CIP is undertaken within 3 days of downloading/ obtaining the identification information through CKYCR/ Aadhaar authentication/ equivalent e-
Slide 31: Regulation Mandated Initiatives: SMS Management
Regulation Mandated Initiatives CUSTOMER SELF SERVICE SMS MANAGEMENT INTERFACE RBI Digital Payment Security Control Authentication Framework requirement. The alerts and OTPs received by the customer for online transactions shall identify the merchant name, wherever applicable, rather than the paymen
Slide 32: 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