Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q2 FY2021 Earnings Presentation
29 slides from Dcb Bank's earnings presentation, Oct 31, 2020
Slide 1: Exchange filing cover letter
Ref. No.CO:CS:RC:2020-21:123 October 31, 2020 BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, Bandra Kurla Complex, Dalal Street, Fort, Bandra (E), Mumbai - 400 023. Mumbai – 400 051. Dear Sirs, Re: Investor Presentation BSE Scrip Code No.: 532772 NS
Slide 2: Investor Presentation – Q2 FY 2021
Investor Presentation – Q2 FY 2021 October 31, 2020 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 September 30, 2020
Branch Network September 30, 2020 This map is for representation purpose only DCB Bank Limited 3
Slide 5: Key Indicators - I
Key Indicators - I No. of Cost to Income Return on Return on INR mn Balance Sheet Branches Ratio Asset Equity O2 FY 2021 344 375,569 47.28% 0.86% *9.88% Q1 FY 2021 341 381,556 50.26% 0.82% *9.86% FY 2020 336 385,051 54.53% 0.90% *11.19% FY 2019 333 357,918 56.88% 0.99% *12.08% FY 2018 318 302,221 59
Slide 6: Key Indicators - II
Key Indicators - II INR mn Q2 FY 21 Q1 FY 21 Q2 FY 20 Y-o-Y Deposits 287,747 294,321 293,633 (2%) Of which CASA 64,542 64,551 68,249 (5%) Of which Certificate of Deposits 0 0 5,696 (100%) Of which Term Deposit 223,205 229,770 219,688 2% - Of which NRI Term 24,698 26,213 19,321 28% - Of which Inter B
Slide 7: Balance Sheet
Balance Sheet Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Sep 30, INR mn 2019 2015 2016 2017 2018 2020 2020 Shareholder’s Equity 15,886 17,922 22,049 28,078 31,156 34,222 35,841 Deposits 126,091 149,260 192,892 240,069 284,351 303,699 287,747 Borrowings 11,638 11,479 12,758 19,267 27,232 34,079
Slide 8: Profit & Loss
Profit & Loss INR mn Q2 FY20 Q3 FY20 Q4 FY20 Q1 FY21 Q2 FY21 Net Interest Income 3,133 3,231 3,237 3,067 3,339 Other Income 1,014 931 1,099 776 925 - Commission, exchange 578 625 664 269 435 and brokerage - Profit on Sale of Investment 249 70 174 380 293 - Profit on Exchange Transaction 34 51 52 35
Slide 9: Profit & Loss
Profit & Loss INR mn FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 Net Interest Income 5,082 6,195 7,971 9,954 11,493 12,649 Other Income 1,657 2,205 2,488 3,103 3,502 3,911 - Commission, exchange and brokerage 1,193 1,405 1,651 2,176 2,399 2,412 - Profit on Sale of Investment 277 423 454 454 386
Slide 10: Deposits Mix
Deposits Mix Deposits as on Sep 30, 2020 Residential Term Deposit *CASA 59% 22% Interbank Term Deposit 10% Non-Resident Term Deposit 9% * CASA includes NRI CASA 9 DCB Bank Limited
Slide 11: Advances Mix
Advances Mix Net Advances as on Sep 30, 2020 Mortgages, SME + 42% MSME, 11% Corporate Banking, 10% Gold Loan, 4% AIB Net Advances as on Sep 30, 2020 AIB, 21% Mortgages, Kissan Others, 4% 6% Credit Card, Commercial 3% Construction Vehicle, 6% Finance, 2% Gold Loan, 2% SME/MSME, Others, 2% 2% Tractors
Slide 12: NIM, Yield and Cost of Funds
NIM, Yield and Cost of Funds Year Ended FY FY FY FY FY FY Q2 FY 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 Net Interest 3.72% 3.94% 4.04% 4.16% 3.83% 3.67% 3.74% Margin (NIM) Yield on 12.63% 12.52% 12.03% 11.41% 11.29% 11.50% 11.28% Advances Cost of 7.67% 7.48% 6.91% 6.37% 6.61% 6.96% 6
Slide 13: Non Performing Assets
Non Performing Assets Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Sep 30, Mar 31, Sep 30, 2015 2016 2017 2018 2019 2019 2020 2020 Gross NPA 1.76% 1.51% 1.59% 1.79% 1.84% 2.09% 2.46% 2.27% Net NPA 1.01% 0.75% 0.79% 0.72% 0.65% 0.96% 1.16% 0.83% Provision 74.66% 77.55% 73.80% 75.72% 78.77% 73.09% 70.81% 7
Slide 14: Gross NPA Movement
Gross NPA Movement INR mn FY 2019-20 Q2 2019-20 Q1 2020-21 Q2 2020-21 Opening Balance 4,395 4,764 6,315 6,218 (+) Add Fresh Slippages 6,577 1,609 52 90 Addition to Existing 63 8 32 8 NPAs (-) Less 1 Recoveries 1,725 273 98 215 Upgrades 1,792 523 18 80 2 Write Offs / Sacrifice 1,203 353 65 284 Closin
Slide 15: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Sep 30, INR mn 2015 2016 2017 2018 2019 2020 2020 SLR 34,750 39,855 47,711 49,091 60,007 61,363 60,684 Non-SLR 4,872 3,478 10,468 13,099 18,434 16,052 14,127 Total 39,622 43,333 58,179 62,190 78,441 77,415 74,811 Investments HTM 27,567 30,580
Slide 16: Capital Adequacy Ratios – Basel III
Capital Adequacy Ratios – Basel III Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Sep 30, 2015 2016 2017 2018 2019 2020 2020 CRAR 14.95% 14.11% 13.76% 16.47% 16.81% 17.75% 18.28% -- Tier I 14.21% 12.79% 11.87% 12.72% 13.10% 13.90% 14.22% -- Tier II 0.74% 1.32% 1.89% 3.75% 3.71% 3.85% 4.06% RWA* 10
Slide 17: Ratings
Ratings Sep 30, Dec 31, Mar 31, Mar 30, Mar 30, Mar 31, Sep 30, 2013 2014 2016 2017 2018 2019 2020 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 ▪ Commercial Vehicle ▪ Foreign Exchange ▪ Working Capital ▪ L
Slide 20: Investor Profile as on Sep 30, 2020
Investor Profile as on Sep 30, 2020 Key Non Promoter Shareholders % ICICI Prudential Mutual Fund * 4.50% Bodies ***Institutions Corporate HDFC Small Cap Fund 4.43% 52.12% 4.63% Aditya Birla Sunlife Mutual Fund* 4.06% India Advantage Fund S4 I 4.02% DSP Small Cap Fund 3.43% Franklin India Smaller Com
Slide 21: Board of Directors
Board of Directors Has held leadership positions in various organizations, such as Uniliver group, RPG group, etc. Ashok Barat He superannuated in 2016 as Managing Director & CEO, Forbes & Company Ltd. He has been a Member (and Chairman in some) of the Boards of various companies-listed and private.
Slide 22: Management Team
Management Team Abhijit Bose - *29 yrs work exp. Aditya Prasad – 35 yrs work exp. Ajay Mathur – 27 yrs work exp. Chief Credit Officer Chief Compliance Officer Head – Collections & Commercial Vehicles Ajit Kumar Singh - 28 yrs work exp. T P Anuradha – 18 yrs work exp. Bappa Roy – 30 yrs work exp. Hea
Slide 23: Digital Update
Digital Update 22 DCB Bank Limited
Slide 24: Digital…Instant
Digital…Instant Bouquet of new features added to DCB Zippi Online Fixed Deposit such as Video KYC. Customers can submit full KYC through Video KYC. Enabling real time fulfillment. 23 DCB Bank Limited
Slide 25: Digital…Paperless
Digital…Paperless Digital bridge. Paperless and contactless with digital Self Service Booth. Customers visiting the branch for account requests simply use an interactive screen based service fulfillment facility.
Slide 26: Digital…Contactless
Digital…Contactless Loan dues & Loan charges payable via UPI facility. Digital outreach is ubiquitous, contactless, quick and provides instant fulfillment.
Slide 27: Digital…Self Service
Digital…Self Service New features for DCB Business Internet Banking Customers. Self Registration for Internet Banking, Bill payments, Personalised Limits & Green PIN (paperless). 26 DCB Bank Limited
Slide 28: Digital…Delight
Digital…Delight New features for DCB Mobile Banking App. Bill payments, Bill reminder, Bill history, Recurring bill pay…secure, contactless & social distancing compliant.
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