Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q1 FY2020 Earnings Presentation
43 slides from Dcb Bank's earnings presentation, Jul 16, 2019
Slide 1: Exchange filing cover letter
DCB BANK Ref. No.CO:CS:RC:2019-20:099 July 16, 2019 BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, Sandra Kurla Complex, Dalal Street, Fort, Sandra (E), Mumbai - 400 023. Mumbai - 400 051. Dear Sirs, BSEScrip Code No.: 532772 NSESYMBOL:DCBBANK In th
Slide 2: Investor Presentation – Q1 FY 2020
Investor Presentation – Q1 FY 2020 July 16, 2019 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 June 30, 2019
Branch Network June 30, 2019 This map is for representation purpose only DCB Bank Limited 3
Slide 5: Key Indicators - I
Key Indicators - I No. of Cost to Return on Return on INR mn Branches Balance Sheet Income Ratio Asset Equity Q1 FY 2020 334 362,824 57.46% 0.89% *11.17% FY 2019 333 357,918 56.88% 0.99% *12.08% FY 2018 318 302,221 59.79% 0.94% *10.31% FY 2017 262 240,464 60.02% 0.93% 10.30% FY 2016 198 191,185 58.4
Slide 6: Key Indicators - II
Key Indicators - II INR mn Q1 FY 20 Q4 FY 19 Q1 FY 19 Y-o-Y Deposits 287,892 284,351 250,324 15% Of which CASA 70,618 68,099 61,659 15% Of which Retail Term 162,623 158,319 127,414 28% - Of which NRI Term 18,330 17,636 15,538 18% Net Advances 240,443 235,680 212,434 13% INR mn Q1 FY 20 Q4 FY 19 Q1 F
Slide 7: Balance Sheet
Balance Sheet Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, INR mn 2013 2014 2015 2016 2017 2018 2019 2019 Shareholder’s Equity 10,031 11,540 15,886 17,922 22,049 28,078 31,156 31,611 Deposits 83,638 103,251 126,091 149,260 192,892 240,069 284,351 287,892 Borrowings 15,256 8,601 11
Slide 8: Profit & Loss
Profit & Loss INR mn Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 Q1 FY20 Net Interest Income 2,730 2,818 2,936 3,009 3,047 Other Income 828 735 945 993 868 - Commission, exchange 599 559 594 648 546 and brokerage - Profit on Sale of Investment 153 31 112 90 159 - Profit on Exchange Transaction 49 52 57 58 55 Op
Slide 9: Profit & Loss
Profit & Loss INR mn FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 Net Interest Income 2,844 3,684 5,082 6,195 7,971 9,954 11,493 Other Income 1,170 1,387 1,657 2,205 2,488 3,103 3,502 - Commission, 893 999 1,193 1,405 1,651 2,176 2,399 exchange and brokerage - Profit on Sale of 139 225 27
Slide 10: Deposits Mix
Deposits Mix Deposits as on Jun 30, 2019 Residential Term *CASA Deposit 56% 25% Interbank Term Deposit 13% Non-Resident Term Deposit 6% * CASA includes NRI CASA 9 DCB Bank Limited
Slide 11: Advances Mix
Advances Mix Net Advances as on Jun 30, 2019 SME + MSME, 12% Corporate Banking, Mortgages, 40% 13% AIB, 20% Commercial Vehicle, 7% Construction Finance, 3% Others, 3% Gold Loan, 2% 10 DCB Bank Limited
Slide 12: NIM, Yield and Cost of Funds
NIM, Yield and Cost of Funds FY FY FY FY FY FY Q1 FY Year Ended 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 Net Interest Margin 3.56% 3.72% 3.94% 4.04% 4.16% 3.83% 3.67% Yield on Advances 12.84% 12.63% 12.52% 12.03% 11.41% 11.29% 11.58% Cost of Funds 7.78% 7.78% 7.54% 7.00% 6.51% 6.75% 7
Slide 13: Non Performing Assets
Non Performing Assets Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Mar 31, Jun 30, 2014 2015 2016 2017 2018 2018 2019 2019 Gross NPA 1.69% 1.76% 1.51% 1.59% 1.79% 1.86% 1.84% 1.96% Net NPA 0.91% 1.01% 0.75% 0.79% 0.72% 0.72% 0.65% 0.81% Provision 80.54% 74.66% 77.55% 73.80% 75.72% 76.09% 78.77% 7
Slide 14: Gross NPA Movement
Gross NPA Movement INR mn Q1 2018-19 Q4 2018-19 Q1 2019-20 FY 2018-19 Opening Balance 3,690 4,451 4,395 3,690 (+) Add Fresh Slippages 1,071 985 1,454 4,171 Addition to Existing 3 22 28 34 NPAs (-) Less Recoveries 248 368 311 1,221 Upgrades 432 454 369 1,611 Write Offs / Sacrifice 78 241 433 668 Clos
Slide 15: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, INR mn 2013 2014 2015 2016 2017 2018 2019 2019 SLR 24,332 28,072 34,750 39,855 47,711 49,091 60,007 61,374 Non-SLR 5,552 4,236 4,872 3,478 10,468 13,099 18,434 18,577 Total 29,884 32,308 39,622 43,333 58,179 62,190 78,441 79,95
Slide 16: Capital Adequacy Ratios – Basel III
Capital Adequacy Ratios – Basel III Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, 2013 2014 2015 2016 2017 2018 2019 2019 CRAR 13.61% 13.71% 14.95% 14.11% 13.76% 16.47% 16.81% 16.06% -- Tier I 12.62% 12.86% 14.21% 12.79% 11.87% 12.72% 13.10% 12.51% -- Tier II 0.99% 0.85% 0.74% 1.32
Slide 17: Ratings
Ratings Sep 30, Dec 31, Mar 31, Mar 30, Mar 30, Mar 31, Jun 30, 2013 2014 2016 2017 2018 2019 2019 ICRA Long Term – A+(hyb) A+(hyb) A+(hyb) A+(hyb) A+(hyb) Subordinated - - (stable) (stable) (stable) (stable) (stable) Debt Short – Term Fixed - A1+ A1+ A1+ A1+ A1+ A1+ Deposits CRISIL Long Term – A+/
Slide 18: Overview
Overview 17 DCB Bank Limited
Slide 19: Who is our Customer? Opportunity
Self Employed / Small Business (For example: Trader, Commodity, Gold Trader, Vegetable Trader, Commission Agent, Retailer, Restaurant Owner, Caterer, Baker, Vending Machine Supplier , Consultant, Doctor, Contractor, Interior Decorator, Software Designer, Salon, Beauty Parlor, Printer, Electrical Cus
Slide 20: Our Customers
Our Customers 19 DCB Bank Limited
Slide 21: Manufacturer of Milking Equipment
Manufacturer of Milking Equipment 20 DCB Bank Limited
Slide 22: Interior Designers
Interior Designers 21 DCB Bank Limited
Slide 23: Pet Food Retailer
Pet Food Retailer 22 DCB Bank Limited
Slide 24: Premium Coffee Manufacturer & Exporter
Premium Coffee Manufacturer & Exporter 23 DCB Bank Limited
Slide 25: Bakery Owner
Bakery Owner 24 DCB Bank Limited
Slide 26: Martial Arts Teacher
Martial Arts Teacher 25 DCB Bank Limited
Slide 27: Knife Sheath Manufacturer
Knife Sheath Manufacturer 26 DCB Bank Limited
Slide 28: Business Strategy
Business Strategy 1 Concentrate on Tier 2 to 2 Relentless focus on 3 Rely mainly on Retail Deposits (Term, CASA). Tier 6 locations. Liquidity, Costs, Grow NRI deposits. Limit Operational Risks, dependency on bulk. People and Customer Service. Improve continuously. 4 Form strategic alliances 5 Contin
Slide 29: 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 30: Capital Raising and Milestones
Capital Raising and Milestones Tier I Capital Raising Milestones 2017 QIP of INR 3.8 bn 2017 Opened 300th Branch 2014 QIP of INR 2.5 bn 2016 Opened 200th Branch QIP of INR 940 mn and Preferential 2015 Opened 150th Branch 2012 Allotment of INR 1,390 mn 2013 Name changed to DCB Bank Ltd. 2009 QIP of I
Slide 31: Investor Profile as on June 30, 2019
Investor Profile as on June 30 , 2019 Key Non Promoter Shareholders % India Advantage Fund S4 I 4.03% Matthews India Fund 3.86% Aditya Birla Sun Life Mutual Fund AMC* 3.67% *AKFED and PJI 14.91% ***Institutions 51.90% HDFC Mutual Fund AMC 3.46% Others (Non- Institutions)** DSP Small Cap Fund 2.91% 2
Slide 32: Board of Directors
Board of Directors Amin Manekia Pioneered in concept of automatic beverage vending machines in India. More than 20 years in various capacities in different institutions of AKDN for the social-economic uplift of the poor. Altaf Jiwani Expertise in Foreign Exchange, Risk Management and Trade Finance.
Slide 33: Management Team
Management Team Aditya Prasad – 31 yrs work exp. Abhijit Bose - *25 yrs work exp. Chief Compliance Officer Ajay Mathur – 23 yrs work exp. Head – Collections & Commercial Chief Credit Officer Vehicles Abhijit Shah – 23 yrs work exp. T P Anuradha – 17 yrs work exp. Chief Technology Officer Bharat Samp
Slide 34: Reward & Recognition
Reward & Recognition 33 DCB Bank Limited
Slide 35: DCB Bank Limited – Reasons to celebrate
DCB BANK DCB BANK \ 3 Reasons to celebrate! ==. reat | [Best Workplaces” fe | Joos DCB Bank Limited
Slide 36: Tech Trendsetter of the Year award
DCB Bank awarded the Tech Trendsetter of the Year at India Banking Reforms Conclave & BFSI Awards 35 DCB Bank Limited
Slide 37: Best Private Sector Bank of the Year award
DCB Bank awarded the Best Private Sector Bank of the Year by Indian Banking Summit and Awards 2019 36 DCB Bank Limited
Slide 38: 2nd Runner Up in Fastest Growing Small Size Banks
DCB Bank awarded 2nd Runner Up in the Fastest Growing Small Size Banks by Business World at Magna Awards 2019 37 DCB Bank Limited
Slide 39: Digital Update
Digital Update 38 DCB Bank Limited
Slide 40: Four pillars of digital agenda
Four pillars of digital agenda 1 2 Core Applications – continuously Mobile / Tab – create customer upgrade business applications to convenience by optimum use of support digital transformation mobile devices 3 4 Payments – innovative solutions Infrastructure – modernize to that are dynamic, secure a
Slide 41: Income Tax E-filing through Personal Internet Banking
DCB Bank launches Income Tax E-filing service through Personal Internet Banking 40 DCB Bank Limited
Slide 42: DCB Bank launches UPI 2.0 with one-time Mandate Facility
DCB Bank launches UPI 2.0 with one-time Mandate Facility 41 DCB Bank Limited
Slide 43: 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