Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Q1 FY2023 Earnings Presentation
48 slides from Central Bank Of India's earnings presentation, Jul 25, 2022
Slide 1: Cover letter to stock exchanges
a5ft ®Mttlq Central Office CO:[RD:2022123:136 25th July,2022 National Stock Exchange of India Limited BSE Ltd. Listing Department Corporate Relationship Deptt Exchange Plaza, Phiroze Jeejeebhoy Towers Plot No.C/1, `G' Block Dalal Street, Fort Bandra-Kurla Complex Mumbai 400001 Bandra (E), Mumbai.400
Slide 2: Presentation to Investors & Analysts: Business Result Analysis
Presentation to Investors & Analysts Business Result Analysis Quarter ended 30th June’2022 Visit us at www.centralbankofindia.co.in :- http://twitter.com/centralbank_in :-https://www.facebook.com/centralbankofindia
Slide 3: Contents
CONTENTS 1 Key Highlights, Shareholding & Branch Network 2-7 2 Business, Deposit & Credit Performance 8 - 11 3 Sanction & Disbursements Priority Sector Achievement 12-14 4 Asset Quality 15-16 5 Credit Support (Covid -19) 17 6 Restructured Book, Movement of NPA & Ratios 18 -22 7 Capital Ratios 23 8 P
Slide 4: Strengths
Strengths Strong Rural + Best CASA Semi Urban base @51.15% Presence with of total 65% of Total deposits Branches in RUSU Centers Strong Brand Pan India Image with presence with Legacy of 111+ 18171 Customer Years Touch Points Dedicated Staff Strength of 31275
Slide 5: Values that set us apart
Values that set us apart C Consistency E Ethical Standards N Nurturing Potential T Transparency R Responsiveness A Accountability L Loyalty
Slide 6: Sustainable Profitability
Sustainable Profitability ₹ in Cr Net Profit 310 279 250 14.08% 235 206 Jun'21 Jun'22 Sep'21 Dec'21 Mar'22 01
Slide 7: Key Highlights: Business
KEY HIGHLIGHTS Business Total Business has increased to ₹ 537309 Crore in Jun’22 from ₹ 506712 Crore in Jun’21 registering a growth of 6.04 % on Y-o- Y basis. CASA deposits have increased to ₹ 174562 Crore in Jun’22 from ₹ 162698 Crore in Jun’21 registering a growth of 7.29% on Y-o- Y basis. Share o
Slide 8: Key Highlights: Asset Quality and Profit
KEY HIGHLIGHTS Asset Quality GNPA reduced from 15.92% in Jun’21 to 14.90 % in Jun’22 registering an improvement of 102 bps. Net NPA reduced from 5.09% in Jun’21 to 3.93% in Jun’22 registering an improvement of 116 bps. Profit & Loss Operating Profit has come down marginally from ₹ 1232 Crore in Jun’
Slide 9: Key Highlights: Efficiency Ratios
KEY HIGHLIGHTS Efficiency Ratios NII Net Interest Income has improved from ₹ 2127 Crore in Jun’21 to ₹ 2142 Crore in Jun’22 registering a Y-o-Y growth of 0.71%. Cost To Income Ratio for the quarter ended Jun’22 has marginally increased from 58.31% to 58.92% registering increase of 61bps. Slippage Ra
Slide 10: Key Highlights: Other Important Ratios
KEY HIGHLIGHTS Other Important Ratios CRAR - The Bank is sufficiently Capitalized with CET1 and CRAR for June’22 at 11.41% and 13.33% respectively. The CRAR is after reckoning the Net Present Value of the Zero Coupon Bonds issued by Govt. of India and subscribed to by the Bank. PCR Provision coverag
Slide 11: Shareholding Pattern
Shareholding Pattern Insurance Other body Public NRIs Cos Corp 3.69% 0.06% FIIs 2.69% 0.26% Others As on Jun’30, 2022 0.09% 0.12% Banks & FI 0.01% • Share Capital : ₹ 8680.94 cr. • Shares of Central Bank of India are listed at BSE and NSE. • Equity Shares of Central Bank of India are part of NSE 500
Slide 12: PAN India Branch Network
PAN India Branch Network 144 16 As on 30 Jun '22 137 1 12 Total Branches 4528 55 Rural 1604 168 16 8 Semi Urban 1330 Ladakh 97 119 Urban 783 430 7 Metro 811 Total ATMs 2999 Total BC Outlets 10644 573 41 119 Total Customer Touch Points 18171 18% 459 594 36% 311 9 17% 2 8 104 117 316 2 88 29% 6 Rural
Slide 13: Business across the board
Business across the board PARTICULARS JUN '21 JUN '22 Y-o-Y Growth (%) Total Business 506712 537309 6.04 Total Deposits (Including 331483 342692 3.38 Interbank Deposits) CASA Deposits 162698 174562 7.29 CASA % 49.20 51.15 195 bps Total Advances 175229 194648 11.08 RAM 114618 127685 11.40 Corporate 6
Slide 14: Deposit Mix
DEPOSIT MIX Jun '21 Jun '22 ₹ in Cr Inter Bank Current Inter Bank Current Deposits 4.45% Deposits 5.01% 0.24% 0.41% Core Time Core Time Deposit 48.64% Deposit 50.68% Savings 44.63% Savings 45.94% PARTICULARS JUN '21 JUN '22 Y-o-Y Growth (%) Current 14755 17159 16.29 Savings 147943 157403 6.39 Total
Slide 15: Credit Performance
CREDIT PERFORMANCE Jun '21 Jun '22 27.46% 34.59% 27.92% 34.40% Retail Agri MSME Corporate 20.13% 19.87% 17.82% 17.81% RAM : 65.41% RAM : 65.60% ₹ in Cr SECTORS JUN'21 JUN '22 Y-o-Y Growth % Retail 48114 54341 12.94 Agriculture 35273 38679 9.66 MSME 31231 34665 11.00 RAM 114618 127685 11.40 Corporate
Slide 16: Diversified Loan Book
Diversified Loan Book As on 30.06.2022 16.23% Housing 34.40% 1.57% Auto 1.54% 1.79% Personal Loan 6.79% Education Other Retail Loan Agriculture MSME 19.87% CORPORATE 17.81% ₹ in Cr Housing Auto Personal Education Other Total Agriculture MSME Corporate Total Loan Loan Loan Loan Retail Retail Loan Cre
Slide 17: Sanctions & Disbursements
Sanctions & Disbursements ₹ in Cr S Growth (%) Growth % in E Sanctions Disbursements in Sanctions Disbursements (Amount) (Amount) C T O No. of AC/S Amount No. of A/C Amount R Jun'21 Jun'22 Y-o-Y Y-o-Y Jun'21 Jun'21 Jun'22 Jun'22 RETAIL 23606 1047.00 51238 3996.00 740.00 2774.00 281.66 274.86 MSME 19
Slide 18: Co Lending
CO LENDING SANCTIONS AND OUTSTANDING ₹ in Cr S SEP'21 DEC'21 MAR'22 JUN'22 OUTSTANDING TOTAL E As on SANCTIONS th 30 June'22 C T SANCTIONS O No. of No. of No. of No. of No. of No. of R Accounts Amt. Accounts Amt. Accounts Amt. Accounts Amt. Accounts Amt. Accounts Amt. RETAIL 2724 354.07 4948 627.76
Slide 19: Achievement Under Mandated Targets
Achievement Under Mandated Targets Achieved the mandated norms in respect of Total Priority Weaker Sector Sector Advances @ 17.74 of ANBC @ 51.01 % of against norm of ANBC against 11.50% . norm of 40%. Agriculture Advances to Advances Small and Marginal @ 21.23% of ANBC Farmers against norm of @ 11.
Slide 20: Rated Standard Advances
Rated Standard Advances JUN'21 JUN '22 Unrated Unrated BB and Below AAA 10.12% BB and Below 5.02% 7.05% AAA 18.90% 18.24% Government 29.48% guaranteed advances 12.63% Government guaranteed advances AA 9.50% 22.80% BBB 10.21% BBB AA 15.48% A As per BASEL III A 20.89% 10.06% 9.62% Investment Grade & a
Slide 21: Special Mention Accounts
SPECIAL MENTION ACCOUNTS (₹ in Cr) Asset Quality – Jun '21 Asset Quality No. of A/c’s Above ₹ 5 cr. No. of A/c’s Up to ₹ 5 Cr. No. Of A/c’s Jun ’21 % of Total Adv. SMA 0 48 1509 142121 5071 142169 6580 3.76 SMA 1 15 132 121002 4189 121017 4321 2.47 SMA 2 25 1516 107816 3599 107841 5115 2.91 TOTAL 88
Slide 22: Covid-19 Credit Support
COVID -19 CREDIT SUPPORT ₹ in Cr No. of Sanctions – 165784 No. of Sanctions – 175 ECLGS-1 ECLGS-2 Amt. Sanctioned -3152.49 Amt. Sanctioned – 537.10 No. of Sanctions – 466 No. of Sanctions – 59 ECLGS-3 ECLGS-4 Amt. Sanctioned -114.64 Amt. Sanctioned – 4.82 ECLGS Extension Extension -1 Extension -2 Ex
Slide 23: Restructured Book
RESTRUCTURED BOOK Standard Restructured Book (₹ in Cr) SEGMENT June'21 Sep'21 Dec'21 Mar'22 Jun’22 Corporatete 976 997 575 954 842 MSME 1614 1452 732 680 646 Agriculture 273 254 216 203 188 Retail 463 433 406 408 391 Total 3326 3136 1929 2245 2067 Standard Restructured - Covid-19 Resolution Framewor
Slide 24: NPA Classification
NPA CLASSIFICATION NPA Classification: Sector Wise (₹ in Cr) Advances TOTAL Particulars Jun '21 Sep '21 Dec '21 Mar '22 Jun '22 NNPA % (Jun '22) NNPA Total NPA 27892 27252 27608 28156 29002 194648 6785 3.93 Retail 2596 2308 2305 2223 2324 54341 806 1.53 Agriculture & Allied 5560 5603 5752 6053 6127
Slide 25: Asset Quality Trend
ASSET QUALITY TREND 15.92 15.52 15.16 14.84 14.90 Gross NPA % 5.09 4.51 Net NPA % 4.39 3.97 3.93 Jun '21 Sep '21 Dec '21 Mar '22 Jun '22 (₹ in Cr) Particulars Jun '21 Sep '21 Dec '21 Mar '22 Jun '22 Gross Advances 175229 175594 182098 189712 194648 Net Advances 155154 155268 161514 168173 172431 Gro
Slide 26: NPA Movement
NPA MOVEMENT (₹ in Cr) Gross NPA FY Jun '21 Sep '21 Dec '21 Mar'22 Jun'22 21-22 Opening Gross NPAs 29277 27892 27252 27608 29277 28156 Add Slippage of PA to NPAs 1281 2104 1235 2241 4473 2040 Increase in balance of 124 37 71 32 245 46 existing NPAs Sub Total 1405 2141 1306 2273 4718 2086 Less: Up gr
Slide 27: Provision Coverage Ratio, Slippage Ratio and NIM
Provision Coverage Ratio 86.69 86.61 85.86 85.77 84.28 Jun '21 Sep '21 Dec '21 Mar'22 Jun'22 SLIPPAGE RATIO Net Interest Margin(%) 1.45 1.47 3.76 1.29 3.26 2.83 2.97 2.88 0.95 0.88 Jun '21 Sep '21 Dec '21 Mar'22 Jun'22 Jun '21 Sep '21 Dec '21 Mar'22 Jun'22 22 04
Slide 28: Capital Ratios
CAPITAL RATIOS Capital Adequacy Ratio* 13.01 13.84 13.33 2.36 1.92 1.95 Tier-II 11.06 11.48 11.41 CET-I Jun '21 Mar '22 Jun'22 4.36 Leverage Ratio* 4.32 4.25 Jun '21 Mar '22 Jun'22 * CRAR (BASEL III) and Leverage Ratio are arrived at after considering the NPV of non interest bearing recapitalization
Slide 29: Financials at a Glance
Financials at a Glance Quarterly (₹ In Cr) Particulars- Quarter ended Growth % Jun'21 Mar'22 Jun'22 ( Q-o-Q ) ( Y-o-Y) Total Interest Income # 5471 5788 5526 -4.53 1.01 Total Interest Expenses 3344 3371 3384 0.40 1.20 Net Interest Income# 2127 2417 2142 -11.38 0.71 Total Income # 6299 6420 6357 -0.9
Slide 30: Fee Based Income
Fee Based Income Quarter ended Growth % Particulars Jun'21 Mar'22 Jun'22 ( Q-o-Q ) ( Y-o-Y) (₹ In Cr) Fee Based Income (I + ii + iii) 261 451 406 -9.98 55.56 Commission Exchange & Brokerage (i) # 65 97 85 -12.37 30.77 - Commission on LC/BG/DDs 42 52 50 -3.85 19.05 - Govt. Business 13 21 18 -14.28 38
Slide 31: Total Expenses
Total Expenses Quarterly (₹ In Cr) Quarter ended Growth % Particulars Jun'21 Mar'22 Jun'22 ( Q-o-Q ) ( Y-o-Y) Interest Expenses 3344 3371 3384 0.39 1.20 Interest paid on Deposits 3239 3230 3273 1.33 1.05 Other Interests 105 141 111 -21.28 5.71 Operating Expenses # 1723 1236 1752 41.75 1.68 Staff Cos
Slide 32: Provisions
Provisions (₹ In Cr) Growth Quarter ended % Particulars Jun'21 Mar'22 Jun'22 ( Q-o-Q ) ( Y-o-Y) Total Provision # 1026 1150 986 -14.26 -3.90 NPAs # 75 894 959 7.27 1178.67 Standard Assets 240 -293 -38 181.91 -115.83 Depreciation / Provisions on Investment including SRs -51 354 125 -64.69 345.10 Inco
Slide 33: Financial Indicators
Financial Indicators Quarter ended Particulars Jun'21 Mar'22 Jun'22 Cost of Deposits(%)* 3.93 3.85 3.85 Yield on Advances(%)*# 6.55 6.54 6.34 Yield on Investments(%) # 6.12 5.45 6.13 Cost of Funds(%)* 3.99 3.91 3.90 Yield on Funds(%)* 7.28 7.80 7.44 NIM %* # 2.83 3.26 2.88 ROA %* 0.24 0.36 0.27 ROE
Slide 34: NPA Provision Breakup
NPA PROVISION BREAKUP (₹ in Cr) Particulars Mar'22 Jun'22 NPA Provision Increase due to: Ageing Provision/Change in Value of Security 1213 1344 Slippages/Increase in Balance/Fraud 391 441 Sub Total 1604 1785 Less : Provision write back due to Cash Recoveries/Upgradation/ Restructuring 710 826 Net Ad
Slide 35: Investment Portfolio
Investment Portfolio Jun '21 Govt. Securities Jun '22 0% 2% 0% 0% 2% 23% Other Approved 24% 0% Shares 2% 2% Debentures & 0% 0% Bonds Subsidiaries & Joint Ventures 73% Others 72% Investment Outside India (₹ in Cr) Particulars Jun '21 Jun '22 Govt. Securities 115947 101111 Other Approved 0 0 Shares 30
Slide 36: Treasury Performance
TREASURY PERFORMANCE 2380 Trading Profit (₹ in Cr) 197 2129 149 Jun'21 Jun'22 Jun'21 Jun'22 Yield on Investment Return on Investment (including Trading Profit) 6.12 6.13 6.63 6.53 Jun'21 Jun'22 Jun'21 Jun'22 Particulars Jun'21 Jun'22 Aggregate Investment 158804 141404 Interest on Investment (₹ in Cr
Slide 37: Treasury Operations
TREASURY OPERATIONS (₹ in Cr) Total Investment Book Jun'21 Jun'22 Aggregate Investment 158804.37 141403.64 Portfolio HTM AFS HFT HTM AFS HFT Investment 97072.64 61438.85 292.88 104711.65 36431.17 260.82 Percentage 61.13% 38.69% 0.18% 74.05% 25.76% 0.19% Total SLR 115947.08 101110.81 Of Which SLR 677
Slide 38: Digital Transactions
Digital Transactions UPI July '20 to Jun'21 July' 21 to Jun'22 IMPS 8% 8% 4% 9% Mobile Banking 5% 2% 73% 7% 1% Internet Banking 6% 4% Debit card(POS) 1% 1% 63% RTGS/NEFT 1% 7% AEPS-BHIM- AADHAR Others Share of Digital Txns through ADC 78.39% Share of Digital Txns through ADC 77.45% Payment Acceptanc
Slide 39: Product offering
Product offering RETAIL BANKING WHOLESALE BANKING TREASURY BANKING • LOAN • DEPOSIT • OTHER PRODUCTS • COMMERCIAL • PRODUCT SEGMENTS PRODUCTS PRODUCTS / SERVICES BANKING Foreign Exchange Home Saving Accounts Depository Accounts Working Capital Debt Securities Loan/Mortgages Current Acc
Slide 40: Leveraging Technology
Leveraging Technology Lead Generation Through Missed Call Digital adoption in semi-urban and rural areas Fintech Partnership for Digital Lending Social Media Presence Index Online loan status tracking for customers Digital Services-Bank Mitras Dedicated Analytics Team Comprehensive, IT-based early w
Slide 41: Digital Payments
Digital Payments UPI Transactions IMPS Transactions 16487.56 1346.09 988.45 9259.30 Jul'20 - Jun'21 Jul'21-Jun'22 Jul'20 - Jun'21 Jul'21-Jun'22 Mobile Banking Internet Banking 134.63 153.40 113.81 130.22 Jul'20 - Jun'21 Jul'21-Jun'22 Jul'20 - Jun'21 Jul'21-Jun'22 36 03 Transactions ( In lacs)
Slide 42: Financial Inclusion
FINANCIAL INCLUSION PMJDY No of accounts(In Lacs) Balance Outstanding (In Cr) 149.37 4840.22 5003.00 4183.47 4374.66 146.49 146.18 4029.71 144.58 143.67 Jun '21 Sep '21 Dec '21 Mar'22 Jun'22 Jun '21 Sep '21 Dec '21 Mar'22 Jun'22 Social Security Scheme No. of enrollments (In lacs) PMJJBY PMSBY APY 16
Slide 43: Prompt Corrective Action Compliance Status
Prompt Corrective Action Compliance Status T R PCA Triggers Jun'21 Mar'22 Jun'22 I G Capital Adequacy Ratio* <11.50 13.01* 13.84* 13.33* G E NET NPA >= 6% 5.09 3.97 3.93 R S Leverage Ratio Leverage Ratio* <3.5% 4.36* 4.25* 4.32* Bank is complying with the parameters under PCA framework of the RBI fo
Slide 44: Central Bank of India Group: Subsidiaries and Associates
CENTRAL BANK OF INDIA-GROUP Subsidiariess (₹ In Cr) Cent Bank Home Finance Ltd. - Central Bank of Particulars Quarter ended • Engaged into Housing Finance India Shareholding Jun'22 Jun'21 activity Total Income 32.58 29.05 • Presence in 9 States through 19 Branches. Net Profit / (Loss) 8.50 1.41 • Ad
Slide 45: Central Bank of India Group: Group Position
CENTRAL BANK OF INDIA-GROUP Group Position (₹ in Cr. ) Particulars As on 30th Jun' 2022 As on 30th Jun'2021 CAPITAL & LIABILITIES Capital 8681 8681 Reserves and Surplus 19138 18066 Minorities Interest 61 51 Share Application Money Pending Allotment 0 0 Deposits 343187 331838 Borrowings 12924 5719 Ot
Slide 46: Central Bank of India Group: Group Performance
CENTRAL BANK OF INDIA-GROUP Group Performance (₹ in Cr.) Quarter Ended Particulars JUN'22 JUN'21 INCOME Interest and Dividend Earned 5555 5494 Other Income 832 829 Total 6387 6323 EXPENDITURE Interest Expended 3397 3356 Operating Expenses 1757 1727 Provisions and Contingencies 990 1033 Total 6144 61
Slide 47: Guidance for Mar'23
Guidance for Mar’23 PARAMETERS Guidance Deposit Growth 8-10% Advances Growth 10 to 12 % Business Growth 8-10 % RAM: Corporate Credit Ratio 65:35 NIM More than 3 % CASA Around 50 % Gross NPA Below 10% Net NPA 3 to 3.5% PCR 88-90% Slippage Ratio 2.25 – 2.50% Credit Cost (Annualized) 1.50 – 1.75% Retur
Slide 48: Thank You
@eoge a aif sf2ar Central Bank of India THANK YOU
Central Bank of India — Q1 FY2023 Earnings Presentation on 6ix