Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q4 FY2022 Earnings Presentation
29 slides from Dcb Bank's earnings presentation, May 7, 2022
Slide 1: Cover letter to stock exchanges
Ref. No.CO:CS:RC:2022-23:033 May 07, 2022 BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, Sandra Kurla Dalal Street, Fort, Complex,Bandra (E), Mumbai - 400 051 Mumbai - 400 023. BSEScrip Code No.: 532772 NSESYMBOL:DCBBANK Dear Sirs, Re: Investor Pres
Slide 2: Investor Presentation – Q4FY 2022
Investor Presentation – Q4FY 2022 May 07, 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 March 31, 2022
Branch Network March 31, 2022 DCB Bank Limited 3
Slide 5: Key Indicators – I (Q-O-Q)
Key Indicators – I (Q-O-Q) INR mn No. of Branches Balance Sheet Cost to Income Return on Asset Return on Equity Ratio (ROA) (ROE)* Q4 FY 2022 400 448,401 55.41% 1.06% 12.12% 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%
Slide 6: Key Indicators – I (Y-O-Y)
Key Indicators – I (Y-O-Y) INR mn No. of Branches Balance Sheet Cost to Income Return on Asset Return on Equity Ratio (ROA) (ROE) FY 2022 400 448,401 55.96% 0.70% *7.92% FY 2021 352 396,021 48.87% 0.87% *9.99% FY 2020 336 385,051 54.63% 0.90% *11.19% FY 2019 333 357,918 57.12% 0.99% *12.08% FY 2018
Slide 7: Key Indicators - II
Key Indicators - II INR mn Q4 FY 22 Q3 FY 22 Q4 FY 21 Y-o-Y Deposits 346,917 322,311 297,039 17% Of which CASA 92,811 83,621 67,865 37% Of which Certificate of Deposits 0 0 0 - Of which Term Deposit 254,106 238,690 229,174 11% - Of which NRI Term 22,416 22,530 23,838 (6%) - Of which Inter Bank Term
Slide 8: Balance Sheet
Balance Sheet Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, INR mn 2019 2016 2017 2018 2020 2021 2022 Shareholder’s Equity 17,922 22,049 28,078 31,156 34,222 37,586 40,488 Deposits 149,260 192,892 240,069 284,351 303,699 297,039 346,917 Borrowings 11,479 12,758 19,267 27,232 34,079 44,822
Slide 9: Profit & Loss
Profit & Loss INR mn Q4 FY21 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Net Interest Income 3,112 3,087 3,233 3,450 3,805 Other Income 1,298 1,212 977 1,183 1,148 - Commission, exchange and brokerage 702 472 614 630 663 - Profit on Sale of Investment 13 538 104 163 3 - Profit on Exchange 74 88 61 61 75 Transac
Slide 10: Profit & Loss
Profit & Loss INR mn FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 Net Interest Income 6,195 7,971 9,954 11,493 12,649 12,866 13,575 Other Income 2,066 2,439 2,982 3,438 3,879 4,458 4,521 - Commission, exchange and 1,405 1,651 2,176 2,399 2,412 1,956 2,380 brokerage - Profit on Sale of 423
Slide 11: Deposits Mix
Deposits Mix Deposits as on March 31, 2022 Resident TD, 57% CASA, 27%* Inter Bank Term Deposits, 10% Non- Resident TD, 6% * CASA includes NRI CASA 10 DCB Bank Limited
Slide 12: Advances Mix
Advances Mix Net Advances as on March 31, 2022 SME + MSME, 9% Corporate Banking, 10% Mortgages, 41% AIB , 21% Others, 4% Co-Lending, 7% Commercial Gold Loan, 5% Vehicle, 3% AIB Net Advances as on March 31, 2022 Mortgages, Kissan Credit 6% Card, 4% Gold Loan, 2% Others, 2% SME + MSME, MFI + BC, 3% 1%
Slide 13: NIM, Yield and Cost of Funds
NIM, Yield and Cost of Funds Year Ended FY FY FY FY FY FY FY 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 Net Interest 3.94% 4.04% 4.16% 3.83% 3.67% 3.59% 3.56% Margin (NIM) Yield on 12.52% 12.03% 11.41% 11.29% 11.50% 11.06% 10.71% Advances Cost of 7.48% 6.91% 6.37% 6.61% 6.96% 6.49% 6.05
Slide 14: Non Performing Assets
Non Performing Assets Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, 2016 2017 2018 2019 2020 2021 2022 Gross NPA 1.51% 1.59% 1.79% 1.84% 2.46% 4.13% 4.32% Net NPA 0.75% 0.79% 0.72% 0.65% 1.16% 2.31% 1.97% Provision 77.55% 73.80% 75.72% 78.77% 70.81% 62.35% 67.84% Coverage INR mn Mar 31, Ma
Slide 15: Gross NPA Movement
Gross NPA Movement Q1 FY Q2 FY Q3 FY Q4 FY INR mn FY 2020-21 FY 2021-22 2021-22 2021-22 2021-22 2021-22 Opening Balance 6,315 10,834 12,688 12,849 13,398 10,834 (+) Add Fresh Slippages 6,785 5,151 4,142 4,567 3,759 17,619 Addition to Existing 77 45 24 8 22 100 NPAs (-) Less 1 1 Recoveries 748 905 94
Slide 16: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, INR mn 2016 2017 2018 2019 2020 2021 2022 SLR 39,855 47,711 49,091 60,007 61,363 67,370 76,240 Non-SLR 3,478 10,468 13,099 18,434 16,052 16,767 14,742 Total Investments 43,333 58,179 62,190 78,441 77,415 84,137 90,982 HTM 30,580 40,286
Slide 17: Capital Adequacy Ratios – Basel III
Capital Adequacy Ratios – Basel III Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, 2016 2017 2018 2019 2020 2021 2022 CRAR 14.11% 13.76% 16.47% 16.81% 17.75% 19.67% 18.92% -- Tier I 12.79% 11.87% 12.72% 13.10% 13.90% 15.49% 15.84% -- Tier II 1.32% 1.89% 3.75% 3.71% 3.85% 4.18% **3.08% RWA*
Slide 18: Ratings
Ratings Sep 30, Dec 31, Mar 31, Mar 30, Mar 30, Mar 31, Mar 31, 2013 2014 2016 2017 2018 2019 2022 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 19: Overview
Overview 18 DCB Bank Limited
Slide 20: 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 21: Investor Profile as on March 31, 2022
Investor Profile as on March 31, 2022 Shareholding Pattern Key Non Promoter Shareholders % Bodies Corporate HDFC Mutual Fund* 4.44 *** Institutions 5.81% 47.52% DSP Small Cap Fund 4.34 Tata Mutual Fund* 4.04 India Advantage Fund S4 I 4.01 ICICI Prudential Mutual Fund* 3.99 Franklin India Smaller Com
Slide 22: Board of Directors as on March 31, 2022
Board of Directors as on March 31, 2022 A Fellow of the Institute of Chartered Accountants of India and of the Institute of Company Ashok Barat, ID^ Chairperson ACB Secretaries of India, Associate of the Institute of Chartered Accountants of England & Wales and CPA, Australia. Mr. Barat held respons
Slide 23: 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 24: Awards & Recognition
Awards & Recognition 23 DCB Bank Limited
Slide 25: CSR Journal Excellence Awards special commendation
DCB Bank Limited has been recognized for the Special Commendation in Corporate Social Responsibility, The CSR Journal Excellence Awards 2021. 24 DCB Bank Limited
Slide 26: Great Place To Work certification
DCB BANK [DCB BANK A team which respects, trusts, and likes to see their peers grow! Certified FEB 2022 - FEB 2023 INDIA Delighted to be awarded with the “Great Place To Work” certificate. An environment where people learn, grow and value each other because we know that together, we can achieve more
Slide 27: ASSOCHAM MSME Excellence Awards runner-up
DCB Bank Limited has been recognized as Runner-up for Excellent Services of the Year at ASSOCHAM 8th MSMEs Excellence Awards. 26
Slide 28: DCB BANK
DCB BANK
Slide 29: 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