Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q2 FY2020 Earnings Presentation
36 slides from Dcb Bank's earnings presentation, Oct 19, 2019
Slide 1: Exchange filing cover letter
DCB BANK Ref. No.CO:CS:RC:2019-20:166 October 19, 2019 BSE Limited, National Stock Exchange of India Limited, Phiroze Jeejeebhoy Towers, Exchange Plaza, Sandra Kurla Complex, Dalal Street, Fort, Bandra (E), Mumbai - 400 023. Mumbai - 400 051. Dear Sirs, BSEScrip Code No.: 532772 NSESYMBOL:DCBBANK In
Slide 2: Investor Presentation – Q2 FY 2020
Investor Presentation – Q2 FY 2020 October 19, 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 September 30, 2019
Branch Network September 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 Income Return on Return on INR mn Branches Balance Sheet Ratio Asset Equity Q2 FY 2020 334 370,183 55.51% 0.99% *12.34% 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
Slide 6: Key Indicators - II
Key Indicators - II INR mn Q2 FY 20 Q1 FY 20 Q2 FY 19 Y-o-Y Deposits 293,633 287,892 261,687 12% Of which CASA 68,249 70,618 63,587 7% Of which Retail Term 171,164 162,623 135,624 26% - Of which NRI Term 19,321 18,330 16,340 18% Net Advances 247,976 240,443 220,688 12% INR mn Q2 FY 20 Q1 FY 20 Q2 FY
Slide 7: Balance Sheet
Balance Sheet Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Sep 30, INR mn 2013 2014 2015 2016 2017 2018 2019 2019 2019 Shareholder’s Equity 10,031 11,540 15,886 17,922 22,049 28,078 31,156 31,611 32,543 Deposits 83,638 103,251 126,091 149,260 192,892 240,069 284,351 287,892 293,63
Slide 8: Profit & Loss
Profit & Loss INR mn Q2 FY19 Q3 FY19 Q4 FY19 Q1 FY20 Q2 FY20 Net Interest Income 2,818 2,936 3,009 3,047 3,133 Other Income 735 945 993 868 1,014 - Commission, exchange 559 594 648 546 578 and brokerage - Profit on Sale of Investment 31 112 90 159 249 - Profit on Exchange Transaction 52 57 58 55 34
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 September 30, 2019 Residential Term *CASA Deposit 57% 23% Interbank Term Deposit 13% Non-Resident Term Deposit 7% * CASA includes NRI CASA 9 DCB Bank Limited
Slide 11: Advances Mix
Advances Mix Net Advances as on September 30, 2019 SME + MSME, 12% Corporate Banking, Mortgages, 41% 12% AIB, 20% Commercial Vehicle, 7% Others 3% Construction Gold Loan, 2% Finance, 3% 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 Q2 FY Year Ended 2013-14 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2019-20 Net Interest 3.56% 3.72% 3.94% 4.04% 4.16% 3.83% 3.67% 3.67% Margin Yield on 12.84% 12.63% 12.52% 12.03% 11.41% 11.29% 11.58% 11.53% Advances Cost of 7.56% 7.67% 7.48
Slide 13: Non Performing Assets
Non Performing Assets Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Sep 30, Mar 31, Jun 30, Sep 30, 2014 2015 2016 2017 2018 2018 2019 2019 2019 Gross NPA 1.69% 1.76% 1.51% 1.59% 1.79% 1.84% 1.84% 1.96% 2.09% Net NPA 0.91% 1.01% 0.75% 0.79% 0.72% 0.70% 0.65% 0.81% 0.96% Provision 80.54% 74.66% 77.55% 73.8
Slide 14: Gross NPA Movement
Gross NPA Movement INR mn Q2 2018-19 Q1 2019-20 Q2 2019-20 FY 2018-19 Opening Balance 4,006 4,395 4,764 3,690 (+) Add Fresh Slippages 972 1,454 1,609 4,171 Addition to Existing 6 28 8 34 NPAs (-) Less Recoveries 327 311 273 1,221 Upgrades 373 369 523 1,611 Write Offs / Sacrifice 184 433 353 668 Clos
Slide 15: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Sep 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 60,808 Non-SLR 5,552 4,236 4,872 3,478 10,468 13,099 18,434 17,627 Total 29,884 32,308 39,622 43,333 58,179 62,190 78,441 78,43
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, Sep 30, 2013 2014 2015 2016 2017 2018 2019 2019 CRAR 13.61% 13.71% 14.95% 14.11% 13.76% 16.47% 16.81% 16.16% -- Tier I 12.62% 12.86% 14.21% 12.79% 11.87% 12.72% 13.10% 12.58% -- 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, Sep 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: Jewellery Manufacturer
Jewellery Manufacturer 20
Slide 22: Security Devices Wholesaler
Security Devices Wholesaler 21
Slide 23: Tiles & Sanitary ware Trader
Tiles & Sanitary ware Trader 22
Slide 24: Software Developer
es OC BANK Software Developer
Slide 25: Pharmacy Owner
===> § Pharmacy Owner 24
Slide 26: Car Air-conditioning Business
Car Air-conditioning Business 25
Slide 27: Business Strategy
Business Strategy 1 Concentrate on Tier 2 to 2 Relentless focus on 3 Rely mainly on Retail Deposits. Grow NRI Tier 6 locations. Liquidity, Costs, deposits. Limit dependency Operational Risks, on bulk. Calibrated branch expansion. People and Customer Service. Improve continuously. 4 Form strategic al
Slide 28: 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 29: 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 30: Investor Profile as on September 30, 2019
Investor Profile as on September 30, 2019 Key Non Promoter Shareholders % HDFC Small Cap Fund 4.49% ***Institutions Bodies 4.02% 54.09% Corporate India Advantage Fund S4 I 5.11% Matthews India Fund 3.86% Aditya Birla Sunlife Mutual Fund * 3.35% DSP Small Cap Fund 2.91% Sundaram Mutual Fund * 2.76% F
Slide 31: 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 32: Management Team
Management Team Aditya Prasad – 31 yrs work exp. Ajay Mathur – 23 yrs work exp. Abhijit Bose - *25 yrs work exp. Chief Compliance Officer Head – Collections & Commercial Chief Credit Officer Vehicles Bappa Roy – 27 yrs work exp. Bharat Sampat - *31 yrs work exp. T P Anuradha – 18 yrs work exp. Produ
Slide 33: Digital Update
Digital Update 32 DCB Bank Limited
Slide 34: 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 35: Innovation Carnival at Smart Cards Expo 2019
DCB Bank successfully hosted ‘Innovation Carnival at Smart Cards Expo 2019’ in Noida DCB Bank Limited 34
Slide 36: 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: L999