Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Development Credit Bank — Investor Presentation (May 2008)
27 slides from Dcb Bank's investor presentation, May 12, 2008
Slide 1: Development Credit Bank Limited Analyst Meet
Development Credit Bank Limited Analyst Meet 12 May, 2008 1
Slide 2: Important Notice
Important Notice No representation or warranty, express or implied is made as to, and no reliance should be placed on, the fairness accuracy completeness or correctness of such information or opinion contained herein. The information contained in the presentation is only current as of its date. Cert
Slide 3: Milestones
Milestones Q3 FY 07 Successful IPO FY 08 Net Profit Oversubscribed Rs. 38.33 Crs. 36 times DCB turnaround gains FY 07 momentum with over 400% FY 08 increase in Net Profits in FY 08 Q4 FY 07 RBI issued Q2 FY 08 Capital Licenses to open 8 raised Rs. 280 Crs., new branches reflected growing showing ren
Slide 4: % Shareholding
Preferential Allotment (Rs. 280 crores @ Rs. 105) 16% 15.30% 14% 12% % Shareholding 10% 8% 6% 4.24% 3.78% 4% 3.04% 3.04% 2% 0.92% 0.28% 0% Tata Cap. Tata Inv. Al Bateen GRA DCB Inv. India Cap. TOTAL Corp. Inv Co. Finance Opp. Corp 4
Slide 5: Shareholding Pattern
Shareholding Pattern Sr. Category As on 31-Mar 2008 No. of No. of % of Paid- Shareholders Shares up Capital I FOREIGN HOLDING a AKFED 2 43750052 25.10 b FOREIGN INST. INVESTORS 35 52348014 30.03 c FOREIGN COMPANIES 3 16086723 9.23 d NON RESIDENT INDIANS 586 1870196 1.07 SUB TOTAL I 626 114054985 65.
Slide 6: Balance Sheet Size
Balance Sheet Size Rs. in crores 7577 8,000 7,000 6,000 5262 44% 5,000 Rs. crores 3742 41% 4,000 3,000 Y-o-Y 2,000 Y-o-Y 1,000 0 FY 06 FY 07 FY 08 Assets Growth at 44% Y-o-Y 6
Slide 7: Retail Loans To Total Loans (Gross)
Retail Loans To Total Loans (Gross) Rs. in crores 4,500 4255 4,000 3,500 2841 3,000 Rs. crores 2,500 2098 1896 2,000 1,500 1077 1,000 698 45% 38% 500 33% 0 FY 06 FY 07 FY 08 Total Advances Retail Advances 7
Slide 8: Retail Advances (Gross)
Retail Advances (Gross) as on Mar. 31, 2008 as on Mar. 31, 2007 WC / Other WC / Other business loans business loans 23% 26% (10.2%) (9.8%) Personal Loan 39% Personal Loan Mortgage (2.7%) 50% 6% (17.1%) Mortgage CE Loans 10% (3.7%) (19.3%) 11% CV Loans (5.0%) CV Loans 11% 21% (4.1%) (9.6%) CE Loans 3
Slide 9: CASA Share in Total Deposits
CASA Share in Total Deposits Rs. in crores 7,000 6075 6,000 5,000 4415 Rs. crores 4,000 3124 3,000 2,000 1252 1474 1001 1,000 28% 24% 32% 0 FY 06 FY 07 FY 08 Total Deposits CASA 9
Slide 10: Investments
Investments Total Amount As at 31st March , 2008 (Rs. in crores) SLR Investments 1715 Non-SLR Investments 420 Total 2135 AFS 1265 HFT 102 HTM 768 Total 2135 Modified duration of HTM is 2.68 Modified duration of AFS+HFT is 1.00 10
Slide 11: Net Interest Income (NII)
Net Interest Income (NII) Rs. in crores 200 186 180 160 140 120 Rs. crores 120 56% 100 75 59% 80 60 Y-o-Y 40 20 Y-o-Y 0 FY 06 FY 07 FY 08 11
Slide 12: Net Interest Margin (%)
Net Interest Margin (%) 3.5 3.0 3.0 2.7 2.5 2.0 1.8 % 1.5 1.0 0.5 0.0 FY 06 FY 07 FY 08 12
Slide 13: Operating Profit
Operating Profit Rs. in crores 120 110 100 168% 80 Rs. crores 60 41 Y-o-Y 40 308% 20 -20 Y-o-Y 0 -20 FY 06 FY 07 FY 08 13
Slide 14: Net Profit Before Tax
Net Profit Before Tax Rs. in crores 36 40 20 -85 2 0 Rs. crores -20 -40 -60 -80 -100 -120 FY 06 FY 07 FY 08 14
Slide 15: Net Profit After Tax
Net Profit After Tax Rs. in crores 38 45 25 7 -85 5 Rs. crores -15 -35 -55 -75 -95 FY 06 FY 07 FY 08 15
Slide 16: Non Performing Assets (%)
Non Performing Assets (%) 18 15.0 16 14 12 10 % 8 5.1 6 4.5 4 1.6 1.5 2 0.7 0 FY 06 FY 07 FY 08 Gross NPA Net NPA 16
Slide 17: Capital Adequacy Ratio (%)
Capital Adequacy Ratio (%) 13.4 14.0 11.3 9.7 1.6 12.0 10.0 2.9 8.0 3.7 % 11.8 6.0 8.4 4.0 6.0 2.0 0.0 FY 06 FY 07 FY 08 Tier I Tier II 17
Slide 18: Yield on Total Advances (%)
Yield on Total Advances (%) 16% 13.3% 11.6% 12% 8.3% 8% 4% 0% FY 06 FY 07 FY 08 Yield on Total Advances 18
Slide 19: Cost Income Ratio (%)
Cost Income Ratio (%) 140% 115.1% 120% 100% 80.7% 80% 68.6% 60% 40% 20% 0% FY 06 FY 07 FY 08 Cost Income Ratio 19
Slide 20: Q-o-Q Growth in Revenue and Profits
Q-o-Q Growth in Revenue and Profits Rs. in crores 100 80 61 60 60 51 39 40 27 15 20 0 Q4 FY07 Q4 FY08 Net Interest Income Non-Interest Income Operating Profit 20
Slide 21: Abstract FY 08
Abstract FY 08 Rs. in crores Q4 Q4 Growth Growth FY 08 FY 07 FY 08 FY 07 Total Advances 4069 2659 53% 4069 2659 53% Total Deposits 6075 4415 38% 6075 4415 38% Net Interest Income 60.8 38.5 58% 186.1 119.6 56% Non Interest Income 59.9 26.9 123% 162.6 92.5 76% Total Income 120.7 65.4 85% 348.7 212.1 6
Slide 22: Branch Network
Branch Network Spread Across • Maharashtra • Gujarat • 112 ATMs • Andhra Pradesh • 80 Branches • 18,000 shared ATMs network • Karnataka • Customer base of ~600,000 • New Delhi • Rajasthan • Goa • Tamil Nadu • Haryana • West Bengal • Daman & Diu • Dadra & Nagar Haveli 22
Slide 23: Key Business Highlights
Key Business Highlights 8 New Branches opened in FY08. Dediapada branch (Gujarat) opened exclusively for Micro Finance. Tier I Capital Infusion of Rs. 280 crores in August 07. Strategic Alliances for Mortgage Loans, Credit Cards, POS and Online Broking. Priority Sector (PSL) requirements achieved. S
Slide 24: Key Business Highlights (contd.)
Key Business Highlights (contd.) Up scaling of Commodity Finance Business. Bancassurance Business ramped up. 24x7 Call Centre launched. 24
Slide 25: Human Capital – Our Treasure
Human Capital – Our Treasure Performance Management plan in place. Every employee has a specific KRA & Goal sheet. Dedicated staff of FY 2008 : 2235 (including 508 sales trainees) as compared to FY 2007 : 1810 (including 479 sales trainees). Training man-hours increased from 2579 in FY 2007 to 5002
Slide 26: Partners In our Progress
®DCBE Partners In our Progress | I HDFC AGA KHAN RURAL SUPPORT PROGRAMME —_—_—_— A project of the Aga Khan Foundation NUCLEUS SOFTWARE ORACLE bee Infoline A VITA, JM FINANCIAL RELIANCE General Insurance VISA Anil Dhirubhai Ambani Group
Slide 27: Thank You
COCO Thank You
Development Credit Bank — Investor Presentation (May 2008) on 6ix