Karur Vysya Bank Ltd. · NSE:KARURVYSYA
Karur Vysya Bank — FY2020 Earnings Presentation
67 slides from Karur Vysya Bank's earnings presentation, Jun 25, 2020
Slide 1: Intimation of Investor Presentation to NSE
Smart way to bank IRC: F48:57:360:2020 25.06.2020 The Manager, National Stock Exchange of India Ltd., Exchange Plaza, 5th Floor, Plot No. C/1, ‘G’ Block, Bandra — Kurla Complex, Bandra (East) Mumbai 400 051 Dear Sir, Sub: Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regula
Slide 2: Investor Presentation 31.03.2020
Investor Presentation 31.03.2020
Slide 3: Disclaimer
DISCLAIMER This presentation has been prepared by Karur Vysya Bank Limited (“the Bank”) solely by the Bank for information purposes only. This presentation is not a complete description of the Bank and the information contained herein is only current as of its date and has not been verified by anyon
Slide 4: KVB – a unique franchise!
KVB – a unique franchise! Bank of Choice, trusted by : Over 7.7 million individuals Over 450000 businesses 1 Over 700000 customers involved in agriculture 6 1 12 6 1 Unmatched presence in India’s fast growing hinterland 6 1 4 1 Category No. of Branches 15 14 1 5 Metro 200 25 Urban 155 59 Semi
Slide 5: Blending Tradition with Modernity
Blending Tradition with Modernity • Healthy Capital Adequacy Levels – CET1 @ 15.27% and CAR @ 17.17%. • Balance Sheet metrics continue to improve – Net NPA drops to 3.92% – PCR (with TWO) @ ~69% – PCR (without TWO) @ ~55% • Deposit costs being managed tightly, – Cost of Deposit : Q4 is 5.55% & FY19-
Slide 6: Contents
Contents New Initiatives Performance Highlights Credit Portfolio Performance Financial Performance Other Parameters 5
Slide 7: KVB Distribution Evolution
KVB DISTRIBUTION EVOLUTION Pre - 2018 Now Branch Acquires & Manages Branch Liability Business, Retail & Small Commercial Business (i.e .< 200 lakh) Corporate Business Unit Manages all Corporate & Large SME accounts Business Banking Unit Manages all medium tier SME accounts NEO Alternative distributi
Slide 8: Comprehensive Business Wings
Comprehensive Business Wings Corporate Credit Card Digital Banking App Leveraged Analytic Team - Dlite NEO – Non Branch Integrated Contact Distribution Centre Transaction Banking Co- origination Bullion Business 7
Slide 9: Transaction Banking Group: Cash Management and Supply Chain Finance
TRANSACTION BANKING GROUP (TBG) CASH MANAGEMENT AND SUPPLY CHAIN FINANCE Dealer Finance - IF Inventory funding facility is being offered to the dealers of 7 OEMs . Collection – Vendor Finance Paper Based Vendor finance - direct and Cash and cheque under referral arrangement collection services with
Slide 10: NEO recalibrates growth in line with slowing economy
NEO recalibrates growth inline with slowing economy 400 367 350 KEY ACHIEVEMENTS 300 • Operational in 15+ locations with average productivity of more than 3 250 CR per employee 182 200 • Average ticket size and customer profile continues to be in line with 145 150 our distributed risk strategy. 100
Slide 11: PMD – Precious Metals Division
PMD – PRECIOUS METALS DIVISION Bullion operations commenced – Feb. 20 and consignment delivered at Chennai & Coimbatore. Operations underway - Maharashtra, West Bengal, Tamil Nadu & Delhi; Proposed locations - Gujarat, Karnataka, Kerala, Andhra Pradesh & Telangana. KVB - One among 16 authorize
Slide 12: Card Journey Begins
Card Journey Begins April 2019, Started credit card business for commercial clients Cards issued to our existing OD /CC Clients as an additional limit On boarded 2500+ MSMEs and growing Retail Credit Card project kick off @ Dec 2019 10+ fin-techs under one roof for building complete life cycle of re
Slide 13: Robust Digital Lending
Robust Digital Lending Front-End Application An Omni device front-end that enables both assisted and Self-serve model with best-in-class Paperless On-boarding User Interfaces A complete feature rich digital application catering all types of loan products in Retail Front-End and Business Loans Applic
Slide 14: Analytics - Key to Success
Analytics - Key to Success New Customer Identification & Effective Customer Targeting Customer Acquisition Pre-Delinquency Recommend Next Model - Reduces Product – Leveraging Collection Expense internal & external data Portfolio Dashboards, Drill-Down Reporting, Decision Engine – EWS PD/LGD/EAD Redu
Slide 15: Contact Center
KVB CONTACT CENTER OPERATIONS – ONE VIEW 24/7 Inbound Risk Alert Customer Calling Support for abnormal TXNs Voice, Email & Chat done through SMA & NPA IB & MB Tele Collections Welcome PBG, SBG & Credit Cards Calling for CASA, PBG, CBG, ABG, CONTACT Credit Card & Enkasu Payment CENTER Reminder Callin
Slide 16: Dlite – Mobile App
Dlite – Mobile App Fund Transfer ( Intra Bank) Bharat QR, UPI, Recharge Downloads : 14.27lacs Bill Payments, FASTag Registrations : 9.46lacs Accounts Opened : 1.35lacs (In FY19-20) DLite Account Opening, Card Control E-ASBA, Demat Services, Insurance Locker & Cheque Management, RTGS/NEFT online Gold
Slide 17: Wholesale to Granular Book
Wholesale to Granular Book 35% 35% 35% 34% 32% 33% 32% 31% 28% 26% 22% 23% 18% 19% 15% 17% 17% 17% 16% 15% Mar '16 Mar '17 Mar '18 Mar '19 Mar'20 CIG CBG PBG ABG 17500 16095 17056 15,620 ABG, 14504 8936 CIG, 14397 14169 13763 13612 12767 11278 12,767 PBG, 11500 12763 11193 CBG, 11,193 15613 7861 697
Slide 18: Operation Centralization
Operation Centralization Completed In Process 3 10 Completed In Process Nil 1 Completed In Process 3 6 170 tasks & 60 processes identified for centralization Use of systems & automation tools to enhance productivity Expected to provide net release of Completed In Process Completed In Process ~540 st
Slide 19: Contents
Contents New Initiatives Performance Highlights Credit Portfolio Performance Financial Performance Other Parameters 18
Slide 20: Highlights
Highlights BUSINESS CREDIT Total Business at Gross Advances Rs. 1,07,591 crore Rs. 48,516 crore CRAR CASA CASA share @ 31% CRAR at 17.17% & Total Deposits Tier I at 15.27% Rs. 59,075 crore PROFIT – 12M Operating Profit Rs. 1,761 crore NIM – 12M Net Profit Rs. 235 crore 3.44% 19
Slide 21: Results Snapshot (EoP)
(Rs. crore) Results Snapshot (EoP)* Basel III Capital Other Business Parameters CRAR 17.17 Gross NPA 4,213 Tier I 15.27 Net NPA 1,809 Tier II 1.90 Gross NPA % 8.68 Net NPA % 3.92 RoA % (12M) 0.32 PCR % 68.90 Particulars Mar 20 Mar 19 Financial Indicators – 31.03.2020 Cost of Deposits 5.76 5.80 Yield
Slide 22: Capital Adequacy – Basel III
(Rs. crore) Capital Adequacy – Basel III As at Capital Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Tier I 6,404 6,245 6,145 4,790 4,064 Tier II 798 751 226 278 330 Total 7,202 6,996 6,371 5,068 4,394 17.17% 16.00% 14.43% 12.17% 12.54% 15.27% Entire Tier I comprises 13.92% 14.28% of CET1 capital, well 11.26%
Slide 23: Business Profile (Averages)
(Rs. crore) Business Profile (Averages) Y-o-Y Growth Particulars Mar 20 Mar 19 Amount % Avg. Deposits 61,103 57,618 3,485 6 Avg. Demand Deposit 5,830 5,465 365 7 % to Total 10 9 Avg. Savings Deposit 12,308 11,274 1,034 9 % to Total 20 20 Avg. Time Deposit 42,965 40,880 2,085 5 % to Total 70 71 Avg.
Slide 24: Business Profile (EoP)
(Rs. crore) Business Profile (EoP)* Y-o-Y Particulars Mar 20 Mar 19 % Total Deposits 59,075 59,868 (1) Demand 5,504 5,814 (5) Savings 13,003 12,101 7 CASA 18,507 17,915 3 Term Deposits 40,568 41,953 (3) CASA % 31 30 Gross Advances 48,516 50,616 (4) Net Advances 46,098 48,581 (5) Total Business 1,07,
Slide 25: Deposit Mix
(Rs. thousand crore) Deposit Mix 6% 20 6 9% 6 15 6 5 13 20% 10 4 12 11 10 8 65% 5 0 FY 16 FY 17 FY 18 FY 19 FY 20 Savings Demand < Rs.15 Lakhs Rs.15 Lakhs-Rs.1 Cr Rs.1 Cr-Rs.5 Cr > Rs.5 Cr Low concentration of Deposits 20 31% 35% 29% 30% 28% 30% 15 23% 25% 20% 9% 10 19 7% 17 18 15% 6% 6% 6% 15 12 10
Slide 26: Partnering with
Partnering with Life Insurance Non-Life Insurance Health Insurance 25
Slide 27: Investment Portfolio
Investment Portfolio Investments (Rs. crore) Portfolio wise Investment 25.60% 16073 15137 74.40% HTM AFS Mar-19 Mar 20 Duration Investment Portfolio 16.95% 0.85% AFS* HFT HTM* 1.52 - 3.74 Yield on Investment 82.20% 7.04% SLR Debentures/CD/MF/CP Shares 6.63% Debentures/CD/MF/CP includes SRs of Rs. 62
Slide 28: Contents
Contents New Initiatives Performance Highlights Credit Portfolio Performance Financial Performance Other Parameters 27
Slide 29: Gold Loan Book
(Rs. crore) Gold Loan Book 10000 9227 7780 Gold Loan Portfolio 7000 grows @ 14.42% (CAGR) 7092 ~ Rs. 3,000+ crore from 6159 March 2017 4000 Mar 17 Mar 18 Mar 19 Mar 20 Gold Loans Outstanding As At Mar 20 Dec 19 Sep 19 June 19 Mar 19 Mar 18 9,227 8,580 8,130 7,890 7,781 7,092 28
Slide 30: Retail Portfolio Distribution
(Rs. crore) Retail Portfolio Distribution Advances outstanding as at Segment Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Housing 4,548 3,619 2,795 2,330 2,094 Mortgage (LAP) 1,683 1,712 1,393 965 787 Vehicle 989 1,044 1,017 921 831 Jewel Loans 895 625 578 596 703 Personal Loans 561 424 296 316 354 Education
Slide 31: Digital Retail Platform – Origination Volumes
Digital Retail Platform – Origination Volumes 7000 1 Mn 0.8 Mn 6000 5821 5739 5570 0.8 Mn 1 Mn 4955 5000 4266 4320 4370 4060 4000 3000 2000 1000 0 Jun'19 Sep'19 Dec'19 Mar'20 Disbursed Applications Disbursed Amount (in Million) Average Ticket Size * End of Period – 31.03.20 30
Slide 32: CIBIL Score-wise Distribution of Disbursed Applications
CIBIL Score - wise distribution of Disbursed Applications ( Product Wise) New to Home Loan Credit Personal Loan 651-700 13% Thin File 1% 6% 701-725 651-700 19% 751-900 5% 50% 751-900 726-750 66% 14% 701-725 12% 726-750 14% New to New to LAP Credit Thin File 2W & 4W Credit Thin File 5% 651-700 8% 4%
Slide 33: Digitally Originated Retail Loans Performing Well
Digitally Originated Retail Loans Performing Well Ever 30+ % at 6 MOB* Digital - Retail 5% 3.9% 4% 4% 3% 2.8% 3% 2% 2.2% 1.9% 2% 1.7% 1.6% 1.6% 1.4% 1.3% 1% 1.3% 1.2% 1.1% 1.0% 1.0% 1% 0.5% 0.4% 0% 6 MOB * Monthly vintages; Ever 30+% = Original Principal of any loans that is SMA1 anytime during the
Slide 34: Digital SME Platform – Origination Volumes
Digital SME Platform – Origination Volumes Digital Commercial Loans (< 2 crore) – origination by amount 900 789 28 lakhs 27 lakhs 600 26 lakhs 768 Amount in Crore 419 27 lakhs 373 311 453 300 284 169 - Jun-2019 Sep-2019 Dec-2019 Mar-2020 Originated Disbursed Average ticket size 33
Slide 35: Digital SME Platform – application quality originated
Digital SME Platform – application quality originated Digital Portfolio Distribution - CMR scores – EoP Mar 31, 2020 38% 35% 35% • Of 21,380 applications processed through Digital Platform, 29% of 32% the applications had ‘no CMR’ • Of 15,111 applications with CMR, 87% fell in the buckets of ‘CMR 1’
Slide 36: Credit Portfolio – other metrics
Credit Portfolio – other metrics Short term credit (Working Capital) forms major part of credit portfolio 100% 80% 79% 79% 75% 76% 50% 21% 21% 20% 25% 24% 0% FY 16 FY 17 FY 18 FY 19 FY 20 Working Capital Loans Term Loans Low concentration : Top 20 borrowers (% of overall loans) Ticket size of Commer
Slide 37: Corporate Book (exposure > Rs. 25 crore)
(Rs. crore) Corporate Book (exposure > Rs. 25 crore) Standard Corporate advances > 1 Bn 4000 8.0 6.8 7.0 6.2 5.2 4.7 4.6 4.5 4.6 2500 5.0 3342 3.8 3132 2992 2322 2304 2540 2244 2211 1891 1000 2.0 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Amount > 100cr % on advance 15% 31% • Ave
Slide 38: Advances Portfolio
(Rs. crore) Advances Portfolio Y-o-Y Particulars Mar 20 Mar 19 Growth % Commercial 15,620 17,056 (8) Retail (Personal Banking)* 11,193 11,278 (1) Agriculture 8,936 8,113 10 Corporate* 12,767 14,169 (10) Gross Advances 48,516 50,616 (4) Jewel Loans (included above) 9,227 7,781 19 * Retail (ex. IBPC)
Slide 39: Security Coverage
(Rs. crore) Security Coverage Nature of security 31.03.20 Exposure backed by - Letter of Credit 239 Liquid Assets ^ 10,081 Vehicles 2,691 Commodities 222 Total (1) 13,233 Exposure secured by Immovable Property (% Coverage) > 100% 22,509 90% to <100% 8,528 75% to <90% 1,581 50% to <75% 3,898 <50% 2,5
Slide 40: Improving Portfolio Performance
Improving Portfolio Performance (Normalized to Sep’2015) Ever 30+ % @ 6 & 12 Month On Book (MOB) Portfolio Retail 120 100 120 100 93 87 88 88 100 78 100 80 79 80 100 68 68 80 100 63 60 87 60 82 45 60 78 74 73 72 71 40 35 40 63 57 27 40 48 53 20 39 20 33 24 22 0 0 6 MOB 12 MOB 6 MOB 12 MOB Commercial
Slide 41: Advances – Composition
Advances – Composition Well spread sub-sectoral exposures & diversified industrial exposures Rs.485 Bn Breakup of Industrial exposure (Rs.115 Bn) GEMS & JEWELLERY 6% OTHERS TRANSPORT 8% INFRASTRUCTURE NBFC OTHER 3% SECTOR 10% EXPOSURES MANUFACT 4% POWER BILLS 14% URING 5% 2% CONSTRUCTION SECTOR 3% A
Slide 42: Advances – Composition
(Rs. crore) Advances – Composition Growth Particulars Amount % to Total Advance Over Mar 19 Mar 20 Mar 19 Dec 19 Mar 20 Mar 19 Amt % Manufacturing 11,461 13,162 11,777 24 26 (1,701) (13) Trading 6,934 7,979 7,134 14 16 (1,045) (13) Jewel loan 9,227 7,781 8,580 19 15 1,446 19 Personal loans @ 7,720 6
Slide 43: Manufacturing Sector - Industry Wise
(Rs. crore) Manufacturing Sector - Industry Wise Amount % to Total Advance Y-o-Y Growth Industry Mar 20 Mar 19 Mar 20 Mar 19 Amount % Textile 3,839 4,275 7.9 8.4 (436) (10) Infrastructure 1,812 1,966 3.7 3.9 (154) (8) Basic Metal & Metal Products 738 837 1.5 1.7 (99) (12) Food Processing 334 864 0.7
Slide 44: Infrastructure Advances
(Rs. crore) Infrastructure Advances Amount O/s % to Total Advance Y-o-Y Growth Infrastructure Mar 20 Mar 19 Mar 20 Mar 19 Amt % Power 624 645 1.3 1.3 (21) (3) Road 306 379 0.6 0.7 (73) (19) Infra Others 882 942 1.8 1.9 (60) (6) TOTAL 1,812 1,966 3.7 3.9 (154) (8) Power Sector Exposure Ownership Mar
Slide 45: Movement of NPA
(Rs. crore) Movement of NPA Particulars Apr 19 - Mar 20 Apr 18 - Mar19 Gross NPAs Opening Balance 4,450 3,016 Additions during the period 1,602 2,343 Reductions during the period 1,839 909 Closing Balance 4,213 4,450 Net NPAs Opening Balance 2,420 1,863 Additions during the period 86 931 Reductions/
Slide 46: COVID-19: Portfolio impact
(Rs. crore) COVID-19 : Portfolio impact Current SMA Moratorium % % balance extended to of Book Size of SMA 0, 1 & 2 as on segment segment as on 29.02.2020 Vertical 21.06.2020 advances advances under moratorium A B B÷A C C÷A Agriculture 8,936 2,289 26 72 0.81 Commercial 15,620 8,935 57 219 1.40 Corpo
Slide 47: Sector-wise Restructured Advances
(Rs. crore) Sector-wise Restructured Advances % to Total Restructured Advances Mar 19 Amount S. N. SECTOR 1.44 Mar 20 Mar 19 15.58 Agri 1 Textile 66.72 11.13 7.53 Textile Food processing 2 Cement & Cement Products 26.32 - 5.58 69.88 All engineering 3 Food & Food Processing 20.94 5.43 Others 4 Wood &
Slide 48: Stressed Book Analysis
(Rs. crore) Stressed Book Analysis Movement of Restructured Advances 3000 2816 2819 2728 5.00 2673 Apr 19 to Mar Apr 18 to Mar 324 2552 20 19 361 446 Particulars 524 A/c’s Amt. A/c’s Amt. 546 4.06 A. Position at the beginning of 3.89 34 72.09 22 262.43 the period 3.72 3.68 3.73 2000 B. Addition duri
Slide 49: Provisions and Contingencies
(Rs. crore) Provisions and Contingencies Quarter 12 months Provision for Mar 20 Mar 19 Mar 20 Mar 19 NPA 354 276 1,356 1,318 Standard Assets (4) 5 3 (3) Restructured Advances (2) 3 4 (8) SDR, S4A, 5/25 etc. - - - (10) NCLT (specific a/c’s) - - - (12) Others (incl. NPI) 8 25 39 86 Covid -19 Relief Pa
Slide 50: NPAs & Provisions
(Rs. crore) NPAs & Provisions 4450 4511 4391 4424 4213 8.79 9.17 8.89 8.92 8.68 2420 2322 2118 1946 1809 4.98 4.94 1961 2121 2223 2427 2351 4.50 4.13 3.92 Mar 19 June 19 Sep 19 Dec 19 Mar-20 Mar 19 June 19 Sep 19 Dec 19 Mar 20 Gross NPA Net NPA NPA Provision Net NPA% Gross NPA% 68.90 65.43 61.82 58.
Slide 51: Contents
Contents New Initiatives Performance Highlights Credit Portfolio Performance Financial Performance Other Parameters 50
Slide 52: Balance Sheet
(Rs. crore) Balance Sheet Particulars Mar 20 Mar 19 Y-o-Y (%) Capital & Liabilities Capital 160 160 - Reserves and Surplus 6,440 6,263 3 Deposits 59,075 59,868 (1) Borrowings 1,184 1,565 (25) Other Liabilities and Provisions 1,419 1,484 (4) Total 68,278 69,340 (2) Assets Cash and Balances with RBI 2
Slide 53: Key Ratios (Qtr.)
Key Ratios (Qtr.) Particulars Q4 FY 19-20 Q4 FY 18-19 Cost of Deposits 5.55 5.80 Yield on Advances 9.45 9.81 Cost of Funds 5.59 5.82 Yield on Funds 8.25 8.90 NIM 3.46 3.88 Spread 2.66 3.08 Cost to Income Ratio 46.68 47.88 Business/Emp. (Rs. Crore) 13.56 14.42 Profit/Emp. (Rs. Lakh) 4.23 3.13 4.01% 3
Slide 54: Key Ratios (12 months)
Key Ratios (12 months) Particulars Mar 20 Mar 19 Cost of Deposits 5.76 5.80 Yield on Advances 9.63 9.75 Cost of Funds 5.80 5.82 Yield on Funds 8.48 8.71 NIM 3.44 3.67 Spread 2.67 2.89 Cost to Income Ratio 49.73 48.56 Business/Emp. (Rs. Crore) 13.56 14.42 Profit/Emp. (Rs. Lakh) 2.96 2.75 4.74% 4.31%
Slide 55: Key Ratios (Qtr)
Key Ratios (Qtr) Cost to Income NIM^ 54.05% 3.88% 50.67% 47.88% 47.87% 3.49% 46.68% 3.46% 3.46% 3.33% Mar 19 June 19 Sep 19 Dec 19 Mar 20 Mar 19 June 19 Sep 19 Dec 19 Mar 20 ROA ROE 0.46% 0.40% 0.35% 0.34% 4.49% 5.07% 3.74% 3.87% 0.08% 0.92% Mar 19 June 19 Sep 19 Dec 19 Mar 20 Mar 19 June 19 Sep 19
Slide 56: Key Ratios (12 months)
Key Ratios (12 months) Cost to Income 49.73% NIM^ 48.56% 3.86% 44.99% 44.43% 3.70% 3.67% 3.44% Mar 17 Mar 18 Mar 19 Mar 20 Mar 17 Mar 18 Mar 19 Mar 20 ROE ROA 12.03% 1.00% 5.52% 0.53% 3.28% 3.56% 0.31% 0.32% Mar 17 Mar 18 Mar 19 Mar 20 Mar 17 Mar 18 Mar 19 Mar 20 ^ NIM for Mar 19 includes items of n
Slide 57: Profit and Loss A/c (Qtr.)
(Rs. crore) Profit and Loss A/c (Qtr.) Q4 Q4 YoY Q3 Particulars- FY 19-20 FY 18-19 (%) FY 19-20 Net Interest Income 591 618 (4) 577 Other Income 347 273 27 260 Total Income 938 891 5 837 Operating Expenses 438 427 3 452 Operating Profit 500 464 8 385 Provisions 429 352 22 365 Credit Related 393 292
Slide 58: Profit and Loss A/c (12 months)
(Rs. crore) Profit and Loss A/c (12 months) Particulars Mar 20 Mar 19 YoY (%) Net Interest Income 2,348 2,363 (1) Other Income 1,155 963 20 Total Income 3,503 3,326 5 Operating Expenses 1,742 1,615 8 Operating Profit 1,761 1,711 3 Provisions 1,489 1,388 7 Credit Related 1,411 1,293 9 Others 78 95 (1
Slide 59: Break Up of Other Income
(Rs. crore) Break Up of Other Income Quarter 12 months Particulars Mar 20 Mar 19 YoY (%) Dec 19 Mar 20 Mar 19 YoY (%) TOTAL NON-INT. 347 273 27 260 1,155 963 20 INCOME 1) Fee Income 159 163 3 178 658 656 - 2) Investment trading 137 57 - 45 340 70 - profit 3) Forex Income 10 12 (17) 8 37 42 (12) 4) O
Slide 60: Healthy Other Income Profile
(Rs. crore) Healthy Other Income Profile Growth in Other Income 1200 20 • Non interest income accrues 16 through diverse sources - fee based, 14 14 12 e-transactions, third party products 11 etc. 600 1155 10 963 707 782 900 • ~16% share in total operating income (FY 2019-20) 0 0 FY 16 FY 17 FY 18 FY
Slide 61: Break Up of Operating Expenses
Break Up of Operating Expenses (Rs. crore) Quarter 12 months Particulars Mar 20 Mar 19 YoY (%) Dec 19 Mar 20 Mar 19 YoY (%) Staff Expenses 215 212 1 225 857 761 13 Of above – Prov. for employee 39 42 (7) 55 180 138 30 retirement benefits Other Operating Expenses 223 215 4 227 885 854 4 TOTAL OPG. EX
Slide 62: Income – Expenses – Op. Profit
(Rs. crore) Income – Expenses – Op. Profit Net Interest Income Non Interest Income 2500 1200 2298 2363 2348 1155 2074 900 963 1781 600 782 1250 707 0 0 FY 16 FY 17 FY 18 FY 19 FY 20 FY 16 FY 17 FY 18 FY 19 FY 20 Opg. Profit Margin Operating Expenses 1800 1800 2.7 3.0 2.6 885 2.5 2.4 854 2.2 782 706
Slide 63: Contents
Contents New Initiatives Performance Highlights Credit Portfolio Performance Financial Performance Other Parameters 62
Slide 64: Leveraging Technology - Delivery Channels
Leveraging Technology - Delivery Channels Market share in RTGS transactions POS Terminals POS TERMINALS 1.19% 22068 22873 21959 1.14% 1.07% 1.04% 0.99% 15534 10157 Mar-16 Mar-17 Mar-18 `Mar- 19 `Mar- 20 Share of RTGS transactions (by volume) Mar-16 Mar-17 Mar-18 `Mar- 19 `Mar- 20 Exponential growth
Slide 65: Human Resources
Human Resources Young workforce….. … number of employees… … lower attrition … 7956 7935 34 7663 34 7400 3.9% 7211 3.8% 33 33 33 2.7% 2.7% 2.2% FY16 FY 17 FY 18 FY 19 FY 20 FY16 FY 17 FY 18 FY 19 FY 20 FY16 FY 17 FY 18 FY 19 FY 20 … leading to improved productivity 14.42 13.56 134 134 142 138 7.9 8.2
Slide 66: A Decade of Progress
(Rs. crore) A Decade of Progress Year 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 Paid up Capital 94 107 107 107 122 122 122 145 160 160 Reserves 2,020 2,601 2,978 3,219 4,124 4,451 4,723 6,066 6,205 6,440 Owned funds 2,114 2,708 3,085 3,326 4,246 4,573 4,845 6,21
Slide 67: Thank You