City Union Bank Limited · NSE:CUB
City Union Bank — Investor Presentation (March 2017)
35 slides from City Union Bank's investor presentation, March 2017
Slide 1: Investor Presentation March 2017
INVESTOR PRESENTATION MARCH 2017 1
Slide 2: Disclaimer
Disclaim er 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 opinions contained herein. The information contained in this presentation is only current as of its date. Certai
Slide 3: Table of contents
Table of contents 1. Overview Page : 04 2. Performance Highlights – December 2016 Page : 09 3. Financial Performance & Business Profile Page : 12 4. Branch Network Page : 31 5. Shareholding Pattern Page : 32 6. Corporate Governance Page : 33 3
Slide 4: Overview Facts & Figures
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Overview City Union Bank Ltd, the oldest private sector bank in India, was founded on October 31, 1904 and is headquartered at Kumbakonam, Tamil Nadu
Slide 5: Awards & Accolades
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Overview Branch Network Corporate Governance Highlights & Business Profile Pattern AWARDS & ACCOLADES Best Small sized Bank for 2015-16 by Business World – PWC Best Banks’ Survey 2016 (Second year in a row) Won Financial Express Bes
Slide 6: Key milestones
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Key milestones Celebrated 110th year Foundation Day in Dec 2014 Incorporation Took over Initial Public Obtained licenses Rights issue @ Raised INR of the Bank
Slide 7: A specialized banking model aligned to SME/MSME
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern City Union Bank – A specialized banking model aligned to Target Segment – SME/MSME • SME/MSME specialized business model focusing on large untapped SM E/ M SM
Slide 8: Competitive Advantages
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Competitive Advantages • Continuos profitability and dividend payout in all 100+ years of operations Strong track record • Business growth of 20% CAGR in last
Slide 9: Q4 / FY 2016-17 Performance – A snapshot
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q4 / FY 2016-17 Performance – A snapshot Deposits increased by 11% from Rs.272 Bn to Rs.301 Bn Y-o-Y Advances registered a growth of 13% from Rs.213 Bn to
Slide 10: Q4 Vs Q4 Performance – A snapshot
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q4 Vs Q4 Performance – A snapshot (All figures in I N R M n) 301,157 241,125 542,282 70,390 11% 13% 12% 27% 271,581 212,531 484,112 55,326 Deposits Advances T
Slide 11: FY 2017 Vs 16 Performance – A snapshot
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 2017 Vs 16 Performance – A snapshot (All figures in I N R M n) 301,157 241,125 542,282 70,390 11% 13% 12% 27% 271,581 212,531 484,112 55,326 Deposits Advan
Slide 12: FY 17 Vs FY 16 – Performance – A snapshot
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 17 Vs FY 16 – Performance – A snapshot (in I N R M n) Financial Performance Inc / Particulars FY 2017 FY 2016 Growth Growth % (Dec) Deposits 301,157 271,58
Slide 13: Q4 FY 17 Vs Q4 FY 16 – Performance – A snapshot
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q4 FY 17 Vs Q4 FY 16 – Performance – A snapshot (in I N R M n) Financial Performance INC / Particulars Q4 FY 2017 Q4 FY 2016 Growth % Q3 FY 2017 (DEC) Net Int
Slide 14: FY 17 Vs FY 16 – Performance – A snapshot
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 17 Vs FY 16 – Performance – A snapshot (in I N R M n) Financial Performance INC / Particulars FY 2017 FY 2016 Growth % (DEC) Net Interest Income 11,988 9,8
Slide 15: Q4 – FY 17 Vs 16 – Income and Expenses – Breakup
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Q4 – FY 17 Vs 16 – Income and Expenses – Breakup (in I N R M n) Interest Income Breakup Interest Expenses Breakup Q4 FY Q4 FY Growth Q4 FY Q4 FY Growth Partic
Slide 16: FY 17 Vs 16 – Income and Expenses – Breakup
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern FY 17 Vs 16 – Income and Expenses – Breakup (in I N R M n) Interest Income Breakup Interest Expenses Breakup FY FY Growth FY FY Growth Particulars Particulars
Slide 17: Strong Deposits and Advances growth
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Strong Deposits and Advances growth (in I N R M n) Deposits Advances CAGR 13 % CAGR 15 % Business CASA CAGR 14 % CAGR 19 % 17
Slide 18: Income Growth over the years
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Income Growth over the years… (in I N R M n) N et I nterest I ncom e Grow th Other I ncom e Grow th CAGR 19 % CAGR 19 % CEB Grow th N et P rofit Grow th CAGR
Slide 19: Key Business Indicators
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Key Business Indicators Q4 FY Q4 FY FY FY 9M FY Q3 FY Particulars 2017 2016 2016-17 2015-16 2017 2017 Cost of Deposits 6.62% 7.39% 6.82% 7.62% 6.89% 6.67% Yie
Slide 20: Key Business Ratios – Yearly trends
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Key Business Ratios – Yearly trends Net I nterest M argin R eturn on Assets Cost of Funds Yield on Funds 20
Slide 21: Cost of deposits & Yield on advances
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Cost of deposits & Yield on advances Spread between cost of deposits and yield on advances of our bank maintained in the last 10 years 21
Slide 22: Efficiency
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Efficiency Cost income ratio C ASA R atio Business per Em ployee P rofit per Em ployee Business per Branch (in I N R M n) P rofit per B ra n c h (in I N R M n
Slide 23: Loan Book – Products Composition
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Loan Book – Products Composition • Working capital loans yielding higher interest constitute 65% of advances • Re-pricing possible at short intervals thus red
Slide 24: Loan Book – Sectoral Deployment – Position as on 31.03.2017
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Loan Book – Sectoral Deployment – Position as on 31.03.2017 (in I N R M n) Sectorial Deploym ent Secured & Unsecured Advances 37,071 (15%) Amount % to Total P
Slide 25: Loan Book – Advances to Major Industries
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Loan Book – Advances to Major Industries (in I N R M n) Advances to M ajor Industries 31 st December 2016 11,355 (5%) 13,384 (6%) 9,281 (4%) 3,267 (1%) Amount
Slide 26: Asset Quality
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Asset Quality (in I N R M n) Gross NPA Q tm & Gross NPA % Ne t NPA Qtm & Ne t NPA % 26
Slide 27: Asset Quality Position – Movement over the years
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Asset Quality Position – Movement over the years FY FY FY FY Q4 FY FY (Rs in Mn) Mar - 13 Mar - 14 Mar - 15 Mar - 16 2017 Mar - 17 NPA Opening balance 1,235 1
Slide 28: Disclosure on Divergence in Asset Classification and Provisioning for NPAs
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Disclosure on Divergence in Asset Classification and Provisioning for NPAs The following table is wrt RBI cir RBI/2016-17/283 dated 18th April 2017 on the abo
Slide 29: Restructured Accounts
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Restructured Accounts Balance outstanding as on 31.03.2017 in respect of Restructured Standard borrowers No account has been restructured during FY 2016 – 1
Slide 30: Investments – At a Glance
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Investments – At a Glance Investments Break up and Categoryw ise (in I N R M n) Particulars MAR 2017 MAR 2016 SLR Securities 66,978 64,070 Non-SLR Securities
Slide 31: Strong presence in the South
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Strong presence in the South As of Mar-2017 - 550 branches. 489 branches are located in South India out of which 379 in Tamil Nadu During FY 2016-17, we have
Slide 32: A well diversified investor base
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern A well diversified investor base as of 31 st March 2017 Ownership profile Major Institutional Shareholders Shareholders % of Holding NT Asian Discovery Master
Slide 33: Transparent 'Corporate Governance' practices
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern Transparent ‘Corporate Governance’ practices Board consists of 7 Independent Directors and 3 Non-Independent Directors Various sub-committees of Board functio
Slide 34: A well experienced and strong Board
1 2 Performance 3 Financial Performance 4 5 Shareholding 6 Overview Branch Network Corporate Governance Highlights & Business Profile Pattern A well experienced and strong Board Shri. S. Mahalignam | B.Com (Honours), FCA Dr N. Kamakodi | B.Tech., MBA., PhD., CAIIB Non Executive Chairman M.D. & C.E.O
Slide 35: City Union Bank Ltd. Investor Contact
CITY UNION BANK LTD. INVESTOR CONTACT Regd. Office : 149, TSR Big Street, Kumbakonam – 612001, Tamilandu. Name : K. Jayaraman, DGM Admin Office : "Narayana" No.24 B, Gandhi Nagar, Kumbakonam - 612001,Tamil Nadu. Mob : +91 9344303740 Tel : 0435-2402322, 2401622, | FAX: 0435-2431746 | www.cityunionban