Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Q1 FY2022 Earnings Presentation
39 slides from Central Bank Of India's earnings presentation, Jul 28, 2021
Slide 1: Exchange filing cover letter
ca a,lqttlq Central Office CO:MBD:2021-22: Iq6 28th July, 2021 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
Slide 2: Analyst Presentation: Financial Results for Quarter Ended 30th Jun 2021
Analyst Presentation Financial Results for the Quarter Ended – 30th Jun' 2021 Visit us at www.centralbankofindia.co.in :- http://twitter.com/centralbank_in :-https://www.facebook.com/centralbankofindia
Slide 3: Content
Content 1 Strength, Performance Highlights, Shareholding & Branch Network 2-6 2 Business & Financial Performance 7-9 3 Priority Sector Achievement & Credit Support (Covid -19) 10 - 11 4 Asset Quality 12 - 17 5 Movement of NPA & Ratios 18 -20 6 Capital Ratios 21 7 Profitability , Financial Indicators
Slide 4: Strengths
Strong Brand Image with Legacy of 110 Years Strong CASA base of 49.20% of total deposits Strengths Strong BC Network of 7018 BC Outlets Pan India Branch Network of 4594 Branches Strong Rural + Semi Urban Presence with 64% of Total Branches in RUSU Centers 2
Slide 5: Performance Highlights
PERFORMANCE HIGHLIGHTS With improved performance, the Bank has turned corner and registered a Net Profit ₹ 206 Crore compared to Net Profit of ₹ 135 Crore on Y-o-Y basis (53%) and loss of ₹ 1349 Crore as on 31st Mar’ 21. Operating Profit marginally declined from ₹ 1291 Crore to ₹ 1179 Crore (-8.68%)
Slide 6: Performance Highlights
PERFORMANCE HIGHLIGHTS Net NPA improved from 6.76% to 5.09% on Y-o-Y basis registering an improvement of 167 bps and from 5.77% to 5.09% on Q-o-Q basis registering an improvement of 68 bps. Provision coverage ratio (PCR) improved from 79.12% to 84.28% on Y-o-Y basis registering an improvement of 516
Slide 7: Shareholding Pattern
Shareholding Pattern As on June 30, 2021 FIIs Other body 0.01% Corp Public NRIs 0.35% 3.46% 0.05% • Share Capital : ₹ 8680.94 cr Insurance Cos Other 0.08% 0.36% • Shares of Central Bank of India Banks & FI 2.62% are listed on BSE and NSE. • Equity Shares of Central Bank of India are part of NSE 500,
Slide 8: PAN India Branch Network
PAN India Branch Network As on 30 June ‘21 Northern Total Branches 4594 Region North 27.62 % Rural 1605 1269- BR Eastern Region Semi Urban 1331 3.75 % 172- BR Urban 802 Metro 856 Total ATMs 3427 Total BC Outlets 7018 Total Customer Touch Points 15039 19% Eastern 35% Region 20.57 % Western & 945- BR
Slide 9: Business Performance
BUSINESS PERFORMANCE Y-o–Y Particulars Jun ' 20 Jun '21 Growth(%) Total Business 497748 506712 1.80 Total Deposits 321252 331483 3.18 CASA Deposits 150501 162698 8.10 CASA % 47.30 49.20 190bps Total Advances 176496 175229 -0.72 RAM 109487 114618 4.69 Corporate 67009 60611 -9.55 CD ratio# 55.47 52.99
Slide 10: Deposit Mix
DEPOSIT MIX Jun '21 ₹ in Cr Jun '20 Inter Bank Inter Bank High Cost Deposits High Cost Deposits Deposit 0.24% Current Deposit Current 0.02% 0.96% 0.02% 4.62% 4.45% Core Time Core Time Savings Deposit Savings Deposit 42.23% 50.65% 44.63% 52.17% Particulars Jun '20 Jun '21 Y-o-Y Growth% Current 14830
Slide 11: Advances Mix
ADVANCES MIX ₹ in Cr Jun '20 Jun '21 25.72% Retail 27.46% 37.97% 34.59% Agri 19.20% MSME 20.13% 17.12% 17.82% Corporate RAM : 62.03% RAM : 65.41% SECTORS Jun '20 Jun '21 Y-o-Y Growth (%) Retail 45392 48114 6.00 Agriculture 33886 35273 4.09 MSME 30209 31231 3.38 RAM 109487 114618 4.69 Corporate 67009
Slide 12: Achievement Under Mandated Targets
Achievement Under Mandated Targets Achieved the mandated norms in respect of Total Priority 43.76 % Agriculture 19.74 of ANBC against % of ANBC norms of 40%. against norms of 18%. 43.76 19.74 Weaker Sector- Small and Marginal of 16.69 ANBC Farmers 10.70% of against norms ANBC against of 10% . norms
Slide 13: Covid 19 - Credit Support
Covid 19- Credit Support Guaranteed Emergency Credit Line ₹ in Cr ECLGS - 1 ECLGS - 2- 2 ECLGS ECLGS - 3 No. of Sanctions 164840 No. of Sanctions 71 No. of Sanctions 174 Amount Sanctioned – 3064.44 Amount Sanctioned- 369.04 Amount Sanctioned- 14.82 11
Slide 14: Rated Standard Advances
Rated Standard Advances JUN’20 As per BASEL III JUN ‘21 ₹ in Cr BB and Unrated AAA Unrated Below 8.69% 13.34% 5.02% AAA BB and Below 14.71% 18.90% 18.24% AA 21.52% Government Government guaranteed AA guaranteed advances 22.80% advances 9.50% BBB A BBB 8.92% 18.34% 14.49% 15.48% A ₹ in Cr 10.06% Inve
Slide 15: Retail Segment
Retail Segment As on 30 Jun '21 ₹ in Cr Home Loan ₹27579 Auto Loan ₹ 2942 57.32% of Total Retail 6. 11 % of Total Retail Advance Advance Y-o-Y Growth 6.04% Y-o-Y Growth 9.61% Retail Segment ₹48114 27.46% of Total Advance Y-o-Y Growth 6.00% Personal Loan Education Loan ₹ 3494 ₹ 2426 7.26% of Total Re
Slide 16: Restructured Book
RESTRUCTURED BOOK Standard Restructured (₹ in Cr) Segment wise Jun '20 Sep '20 Dec '20 Mar '21 Jun '21 Corporate 856 852 859 986 976 MSME 1060 1205 1364 1723 1614 Agriculture 202 305 305 301 273 Retail 637 523 518 468 463 Total 2755 2885 3046 3478 3326 Standard Restructured - Covid-19 Resolution Fra
Slide 17: Special Mention Accounts - SMA
SPECIAL MENTION ACCOUNTS - SMA (₹ in Cr) Assets Quality – Jun ’21 Assets No. Of A/c’s Above ₹ 5 cr. Up to ₹ 5 Cr. Total Jun ’21 % of Total Adv. Quality SMA 0 142169 1,509 5,071 6,580 3.76 SMA 1 121017 132 4,189 4,321 2.47 SMA 2 107841 1,516 3,599 5,115 2.91 TOTAL 371027 3157 12859 16016 9.14 Jun ’20
Slide 18: NPA Classification
NPA CLASSIFICATION NPA Classification: Sector Wise (₹ in Cr) Advance Particulars Jun '20 Sep '20 Dec '20 Mar ’21 Jun '21 s O/s NNPA % (Jun '21) Total NPA 31,946 30,785 29,486 29277 27892 175229 5.09 Retail 1,959 1,847 1,791 2542 2596 48114 2.31 Agriculture & Allied 4,954 4,496 4,325 5349 5560 35273
Slide 19: Provision Coverage Ratio (PCR)
PROVISION COVERAGE RATIO(PCR) 84.19 84.28 82.24 82.54 79.12 Jun '20 Sep '20 Dec '20 Mar '21 Jun '21 SLIPPAGE RATIO# NET INTEREST MARGIN# 3.91 2.97 2.84 2.04 0.95 0.02 Jun '20 Mar '21 Jun '21 Jun '20 Mar '21 Jun '21 # Figures of earlier period have been regrouped wherever necessary to confirm the cur
Slide 20: NPA Movement
NPA MOVEMENT (₹ in Cr) Gross NPA Jun '20 Sep ' 20 Dec '20 Mar '21 Jun '21 FY-Mar '21 Opening Gross NPAs 32589 31946 30785 29486 29277 32589 Slippage of PA to NPAs 20 97 59 5848 1281 5951 Increase in balance of existing 14 16 44 71 124 191 NPAs Sub Total 34 113 103 5919 1405 6142 Less: Up gradation 9
Slide 21: Asset Quality Trend
ASSET QUALITY TREND 18.10 17.36 16.30 16.55 15.92 Gross NPA % 6.76 5.60 5.77 5.09 Net NPA % 4.73 Jun '20 Sep '20 Dec '20 Mar '21 Jun '21 (₹ in Cr) Particulars Jun '20 Sep '20 Dec '20 Mar '21 Jun '21 Gross Advances 176496 177293 180856 176913 175229 Net Advances 154919 155085 158776 156579 155154 Gro
Slide 22: Status of NCLT accounts
Status of NCLT accounts As on June 2021 (₹ in Cr) RBI List 1 O/s PCR on NCLT accounts Rs. 868.67cr 100.20 100.00 100.00 100.00 99.80 RBI List 2 O/s 99.60 Rs.5425.91 cr 99.40 99.31 99.20 99.04 Others 99.00 Rs.16069.51 cr 98.80 98.60 98.40 RBI First List RBI Second List Others Total Total (Incl.TWO) R
Slide 23: Capital Ratios
CAPITAL RATIOS Capital Adequacy Ratio (%) 14.88 12.34 14.81 11.50 12.39 1.99 1.94 Tier-II 2.21 2.07 2.28 CET-I 12.82 12.94 10.13 10.32 9.22 Jun '20 Sep '20 Dec '20 Mar '21 Jun '21 Leverage Ratio (%) 5.00 5.13 3.96 4.13 3.83 Jun '20 Sep '20 Dec '20 Mar '21 Jun '21 21
Slide 24: Financials at a Glance
Financials at a Glance Quarterly Growth Growth Particulars Jun ' 20 Mar '21 Jun '21 Q-o-Q(%) Y-o-Y(%) (₹ In Cr) Total Interest Income 6017 4878 5479 12.32 -8.94 Total Interest Expenses 3871 3362 3344 -0.54 -13.61 Net Interest Income 2146 1516 2135 40.83 -0.51 Total Income 6727 5780 6246 8.06 -7.15 T
Slide 25: Fee Based Income
Fee Based Income Quarterly Growth Growth Parameters Jun ' 20 Mar '21 Jun '21 Q-o-Q(%) Y-o-Y(%) (₹ In Cr) Fee Based Income (i+ii+iii) 172 265 230 -13.21 33.72 Commission Exchange & Brokerage(i) 60 83 62 -25.30 3.33 - Commission on LC/BG/DDs 36 48 39 -18.75 8.33 - Govt. Business 15 14 13 -7.14 -13.33
Slide 26: Total Expenses
TOTAL EXPENSES Quarterly Growth Growth Parameters Jun ' 20 Mar '21 Jun '21 Q-o-Q(%) Y-o-Y(%) (₹ In Cr) Interest Expenses 3871 3362 3344 -0.54 -13.61 Interest paid on Deposits 3728 3254 3239 -0.46 -13.12 Other Interests 143 108 105 -2.78 -26.57 Operating Expenses 1565 1730 1723 -0.40 10.10 Staff Cost
Slide 27: Provisions
PROVISIONS Quarterly Growth Growth Parameters Jun ' 20 Mar '21 Jun '21 Q-o-Q(%) Y-o-Y(%) (₹ In Cr) Total Provision 1156 2037 973 -52.23 -15.83 NPAs 496 3259 76 -97.67 -84.68 Standard Assets 182 -152 240 257.89 31.87 Depreciation/Provisions 282 -37 -105 -183.78 -137.23 on Investment Income Tax 181 -1
Slide 28: Financial Indicators
FINANCIAL INDICATORS Particulars Jun ' 20 Mar ' 21 Jun '21 Cost of Deposits(%)* 4.70 4.00 3.93 Yield on Advances(%)* 7.30 4.98 6.55 Yield on Investments(%) 6.83 6.49 6.12 Cost of Funds(%)* 4.79 4.07 3.99 Yield on Funds(%)*# 8.34 6.55 7.29 NIM %* # 2.97 2.04 2.84 ROA %*# 0.16 -1.58 0.24 ROE % # 0.73
Slide 29: NPA Provision Breakup
NPA PROVISION BREAKUP (₹ in Cr) Particulars Jun '21 Mar '21 NPA Provision Increase due to: Ageing Provision/Change in Value of Security 129 944 Slippages/Increase in Balance/Fraud 411 1704 One time measure, additional provision as a matter of prudence. 0 1050 Sub Total 540 3698 Less : Provision writ
Slide 30: Investment Portfolio
INVESTMENT PORTFOLIO Jun '20 Govt. Securities Jun '21 0% 4% 0% 0% 2% 22% Other Approved 23% 0% Shares 2% 2% Debentures & 0% 0% Bonds Subsidiaries & Joint Ventures 72% Others 73% Investment Outside India (₹ in Cr) Particulars Jun '20 Jun '21 Govt. Securities 108498 115947 Other Approved 0 0 Shares 30
Slide 31: Treasury Operations
TREASURY OPERATIONS (₹ in Cr) AFS BOOK Jun '20 Jun '21 OTHERS OTHERS PSU 9% PSU 9% G-sec & T-bill CORPORATE 6% CORPORATE 6% 47% BOND G-sec & T-bill BOND 6% 42% 7% SDL SDL 32% 27% CP CP 5% 4% Modified Duration : 2.89 Modified Duration : 1.74 P.V. 01 : 15.85 P.V. 01 : 8.73 Break up of Domestic Investm
Slide 32: Treasury Performance
TREASURY PERFORMANCE Interest on Investment Trading Profit 2542 337 2380 197 Jun '20 Jun '21 Jun '20 Jun '21 Yield on Investment Return on Investment 6.83 (including Trading Profit) 7.73 6.12 6.63 Jun '20 Jun '21 Jun '20 Jun '21 Particulars Jun '20 Jun '21 Interest on Investment (₹ in Cr) 2542 2380
Slide 33: Digital Transactions
DIGITAL TRANSACTIONS UPI July ‘19 to Jun ‘20 July ' 20 to Jun ' 21 IMPS 8% 10% 9% 63% Mobile Banking 8% 7% Internet Banking 10% 47% Debit card(POS) 4% 1% RTGS/NEFT 8% 1% 7% AEPS-BHIM- 9% AADHAR 1% 7% Others Share of Digital Txns through ADC 70.79% Share of Digital Txns through ADC 78.39% Payment Acc
Slide 34: Financial Inclusion
FINANCIAL INCLUSION PMJDY No of accounts(In Lacs) Balance Outstanding Accounts with Zero Balance (In Cr) (in Lacs) 144.58 143.05 18.54 18.45 18.37 140.32 4181.86 17.33 15.28 136.72 4029.71 130.84 3785.28 3668.74 3677.31 Jun '20 Sep '20 Dec '20 Mar'21 Jun '21 Jun '20 Sep '20 Dec '20 Mar'21 Jun '21 Ju
Slide 35: Central Bank of India Group
CENTRAL BANK OF INDIA GROUP Subsidiaries (₹ In Cr) Cent Bank Home Finance Ltd. - Central Bank of Particulars Qtr ended • Engaged into Housing Finance India Shareholding Jun'20 Jun'21 activity Total Income 32.42 29.05 • Presence in 9 States through 18 Branches Net Profit / (Loss) 1.73 1.41 • Advances
Slide 36: Central Bank of India Group
CENTRAL BANK OF INDIA GROUP Group Position (₹ in Cr. ) Particulars As on 30 Jun' 2021 As on 30 Jun '2020 CAPITAL & LIABILITIES Capital 8681 5710 Reserves and Surplus 18066 15974 Minorities Interest 51 46 Share Application Money Pending Allotment 0 0 Deposits 331838 321676 Borrowings 5719 7104 Other
Slide 37: Central Bank of India Group
CENTRAL BANK OF INDIA GROUP Group Performance (₹ in Cr.) Qtr ended Particulars Jun '21 Jun'20 INCOME Interest and Dividend Earned 5502 6040 Other Income 767 710 Total 6269 6752 EXPENDITURE Interest Expended 3356 3886 Operating Expenses 1727 1568 Provisions and Contingencies 979 1160 Total 6062 6614
Slide 38: Goals for Mar '22
Goals for Mar '22 (₹ In Cr) Parameters Guidance ( 31.03.2022) Deposit Growth 8% Advances Growth 9 to 11 % Business Growth 8 to 10 % RAM: Corporate Credit Ratio 67:33 NIM Above 2.75% CASA 48% Gross NPA 9.53% Net NPA 2.84% PCR 86.49% Slippage Ratio 2.00% Credit Cost (Annualized) 1.50% Return on Assets
Slide 39: Thank You
@ege a aif si2ar Central Bank of India
Central Bank of India — Q1 FY2022 Earnings Presentation on 6ix