Central Bank Of India · NSE:CENTRALBK
Central Bank Of India — Q4 FY2022 Earnings Presentation
49 slides from Central Bank Of India's earnings presentation, May 9, 2022
Slide 1: Cover letter: revised presentation to stock exchanges
ca cr'lqiqq Central Office CO:MBD:2022-23:62 9th May,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 05
Slide 2: Business Result Analysis
Presentation to Investors & Analysts Business Quarter/Financial Year Result ended 31st Mar '2022 Analysis 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 12-15 4 Asset Quality 16 5 Credit Support (Covid -19) 17 6 Restructured Book, Movement of NPA & Ratios 18 -22 7 Capital Ratios 23 8 Prof
Slide 4: Strengths
Strengths Strong Brand Best CASA Image with base @50.58% Legacy of 111+ of total Years deposits Strong Rural + Semi Urban Pan India Presence with presence with 65% of Total 17803 Customer Branches in RUSU Touch Points Centers Dedicated Staff Strength of 30289
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 Loyalty L
Slide 6: Bank turns the corner
Bank turns the corner Net Profit/(Loss) 1045 606 ₹ in Cr 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 2021-22 (888) (1121) (1418) (2439) (5105) (5641) 01
Slide 7: Key Highlights: Business
KEY HIGHLIGHTS Business Total Business has increased to ₹ 532404 Crore from ₹ 506886 Crore Total registering a growth of 5.03 % on Y-o- Y basis. Business CASA deposit has increased to ₹ 172480 Crore from ₹ 161926 Crore CASA registering a growth of 6.52% on Y-o- Y basis. Share of CASA deposit in tota
Slide 8: Key Highlights: Asset Quality and Profit
KEY HIGHLIGHTS Asset Business Quality Gross NPA reduced from 16.55% to 14.84 % on Y-o-Y basis registering GNPA an improvement of 171 bps and from 15.16% to 14.84% on Q-o-Q basis registering an improvement of 32 bps Net NPA reduced from 5.77% to 3.97% on Y-o-Y basis registering an Net NPA improvement
Slide 9: Key Highlights: Profit and Efficiency Ratios
KEY HIGHLIGHTS Profit & Efficiency Loss Ratios Net Interest Income (NII) for the F.Y. 2021-22 has improved from NII ₹ 8245 Crore to ₹ 9487 Crore (15.07%). Cost to Cost To Income Ratio for the F.Y. 2021-22 has improved from 59.70% Income Ratio to 53.90% registering an improvement of 580 bps. Slippage
Slide 10: Key Highlights: Other Important Ratios
KEY HIGHLIGHTS Other Important Ratios CRAR, arrived at after considering the NPV of non interest bearing recapitalization bonds infused as capital by the GOI. During the FY CRAR ended 31st March, 2021, improved from 12.78% to 13.84% on Y-o-Y basis registering an improvement of 106 bps on Y-o-Y basis
Slide 11: Shareholding Pattern
Shareholding Pattern Insurance Other body Public NRIs Cos Corp 3.69% 0.05% FIIs 2.69% 0.28% Other As on Mar’31, 2022 0.11% 0.10% Banks & FI 0.00% • Share Capital : ₹ 8680.94 cr. • Shares of Central Bank of India are listed on 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 31 Mar '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 2976 Total BC Outlets 10299 573 41 119 Total Customer Touch Points 17803 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 MAR ’21 MAR ’22 Y-o-Y Growth (%) Total Business 506886 532404 5.03 Total Deposits (Including 329973 342692 3.85 Interbank Deposits) CASA Deposits 161926 172480 6.52 CASA % 49.24 50.58 134 bps Total Advances 176913 189712 7.23 RAM 118031 125000 5.90 Corporate 588
Slide 14: Deposit Mix
DEPOSIT MIX ₹ in Cr Mar '21 Mar '22 Inter Bank Inter Bank High Cost Deposits High Cost Deposits Deposit 0.48% Current Deposit Current 0.33% 0.02% 0.02% 4.93% 4.82% Core Time Core Time Deposit Savings Deposit Savings 49.17% 45.51% 50.57% 44.15% PARTICULARS MAR '21 MAR '22 Y-o-Y Growth (%) Current 162
Slide 15: Credit Performance
CREDIT PERFORMANCE Mar '21 ₹ in Cr Mar '22 27.96% 27.53% 33.28% 34.10% Retail Agri MSME Corporate 20.37% 20.47% 18.29% 18.00% RAM : 66.72% RAM : 65.89% SECTORS MAR'21 MAR '22 Y-o-Y Growth % Retail 49468 52226 5.57 Agriculture 36207 38635 6.71 MSME 32356 34139 5.51 RAM 118031 125000 5.90 Corporate 58
Slide 16: Diversified Loan Book
Diversified Loan Book As on 31.03.2022 16% 34% 2% Housing Auto 1% 2% Personal Loan 7% Education Other Retail Loan Agriculture MSME 20% CORPORATE 18% 11 03
Slide 17: Sanctions & Disbursements
Sanctions & Disbursements ₹ in Cr Growth Growth % S % in E Sanctions Disbursements in Disburse C Sanctions ments T O No. of AC/S Amount No. of A/C Amount Mar’21 Mar’22 Y-o-Y Y-o-Y Mar’21 Mar’21 Mar’22 Mar’22 R RETAIL 222538 11028 201616 11579 8492 8915 5.00 4.98 MSME 297941 7476 94387 7910 6205 6565
Slide 18: Co Lending
CO LENDING ₹ in Cr SANCTIONS S E SEP’ 21 DEC’ 21 MAR’ 22 TOTAL OUTSTANDING C T No. of No. of No. of No. of No. of O Accounts Amt. Accounts Amt. Accounts Amt. Accounts Amt. Accounts Amt. R RETAIL 2724 354.07 4948 627.76 5679 607.15 13351 1588.98 12319 1304.28 MSME 46 1.25 320 78.78 647 118.60 1013 19
Slide 19: Achievement Under Mandated Targets
Achievement Under Mandated Targets Achieved the mandated norms in respect of Total Priority Weaker Sector Sector Advances @ 16.30 of ANBC @ 44.08 % of against norm of ANBC against 10% . norm of 40%. Agriculture Advances to Advances Small and Marginal @ 19.79% of ANBC Farmers against norm of @ 10.39%
Slide 20: Rated Standard Advances
Rated Standard Advances MAR’21 MAR ‘22 ₹ in Cr BB and Below Unrated Unrated AAA 6% 14% 9% 7% AAA BB and Below 16% Government 28% guaranteed advances 13% Government guaranteed AA advances 25% 11% BBB 12% AA BBB 21% 17% A As per BASEL III A 11% 10% Investment Grade & above : 78.20% Investment Grade &
Slide 21: Special Mention Accounts
SPECIAL MENTION ACCOUNTS (₹ in Cr) Assets Quality – Mar '21 Assets Quality No. of A/c’s Above ₹ 5 cr. No. of A/c’s Up to ₹ 5 Cr. No. Of A/c’s Mar ’21 % of Total Adv. SMA 0 39 1214 98728 3915 98767 5129 2.90 SMA 1 28 1203 155121 5002 155149 6205 3.51 SMA 2 48 2012 124295 4076 124343 6088 3.44 TOTAL 1
Slide 22: Covid-19 Credit Support
COVID -19 CREDIT SUPPORT Guaranteed Emergency Credit Line ECLGS ₹ in Cr No. of Sanctions Amount Sanctioned 01 165775 3150.15 174 517.34 02 466 114.64 03 04 59 4.82 ECLGS -1 ECLGS -2 ECLGS -3 Extension Extension Extension No. of Sanctions No. of Sanctions No. of Sanctions 9415 79 284 Amount Sanctione
Slide 23: Restructured Book
RESTRUCTURED BOOK (₹ in Cr) Standard Restructured Book SEGMENT Mar ’21 June ’21 Sep ’21 Dec ’21 Mar’ 22 Corporatete 986 976 997 575 954 MSME 1723 1614 1452 732 680 Agriculture 301 273 254 216 203 Retail 468 463 433 406 408 Total 3478 3326 3136 1929 2245 Standard Restructured - Covid-19 Resolution Fr
Slide 24: NPA Classification
NPA CLASSIFICATION NPA Classification: Sector Wise (₹ in Cr) Advances TOTAL Particulars Mar ’21 Jun '21 Sep '21 Dec '21 Mar '22 NNPA % (Mar '22) NNPA Total NPA 29277 27892 27252 27608 28156 189712 6675 3.97 Retail 2542 2596 2308 2305 2223 52226 890 1.75 Agriculture & Allied 5349 5560 5603 5752 6053
Slide 25: Asset Quality Trend
ASSET QUALITY TREND 16.55 15.92 15.52 15.16 14.84 Gross NPA % 5.77 5.09 4.51 Net NPA % 4.39 3.97 Mar '21 Jun '21 Sep '21 Dec '21 Mar '22 (₹ in Cr) Particulars Mar '21 Jun '21 Sep '21 Dec '21 Mar '22 Gross Advances 176913 175229 175594 182098 189712 Net Advances 156579 155154 155268 161514 168173 Gro
Slide 26: NPA Movement
NPA MOVEMENT (₹ in Cr) Gross NPA FY 20-21 Jun '21 Sep '21 Dec '21 Mar’22 FY 21- 22 Opening Gross NPAs 32589 29277 27892 27252 27608 29277 Add Slippage of PA to NPAs 5951 1281 2104 1235 2241 4473 Increase in balance of 191 124 37 71 32 245 existing NPAs Sub Total 6142 1405 2141 1306 2273 4718 Less: U
Slide 27: Provision Coverage Ratio
PROVISION COVERAGE RATIO 86.69 85.86 85.77 84.28 82.54 Mar '21 Jun '21 Sep '21 Dec '21 Mar'22 SLIPPAGE RATIO # NET INTEREST MARGIN # 4.40 3.77 3.20 3.26 3.21 2.84 2.97 (0.19%)* 2.04 1.47 1.45 (0.19%)* 0.95 0.88 FY-Mar '21 Jun '21 Sep '21 Dec '21 Mar'22 FY-Mar'22 FY-Mar '21 Jun '21 Sep '21 Dec '21 Ma
Slide 28: Capital Ratios
CAPITAL RATIOS Capital Adequacy Ratio* 12.48 14.09 13.84 2.03 2.36 1.99 Tier-II 12.06 11.48 10.79 CET-I Mar '21 Dec '21 Mar'22 5.22 5.00 4.25 Leverage Ratio# Mar '21 Dec '21 Mar'22 * CRAR (BASEL III) is arrived at after considering the NPV of non interest bearing recapitalization bonds infused as ca
Slide 29: Financials at a Glance
Financials at a Glance Quarterly (₹ In Cr) Particulars- Quarter ended Y–O-Y Growth % Growth% FY 21-22 Qtr. Mar’22 Qtr. Mar’22 over Mar’21 Dec’21 Mar’22 Mar’21 Mar’22 Over Dec’21 Over Mar’21 FY 20-21 ( Q-o-Q ) ( Y-o-Y) (Y-o-Y) Total Interest Income # 4878 6050 5788 22730 22802 -4.33 18.66 0.32 Total
Slide 30: Fee Based Income
Fee Based Income Growth Quarter ended Y–O-Y Growth% (₹ In Cr) % Particulars Mar’22 Over Mar’22 Over FY 21-22 over Mar’21 Dec’21 Mar’22 Mar’21 Mar’22 Dec’21 Mar’21 FY 20-21 ( Q-o-Q ) ( Y-o-Y) (Y-o-Y) Fee Based Income (I + ii + iii) 289 364 451 1042 1425 23.90 56.06 36.76 Commission Exchange & Brokera
Slide 31: Total Expenses
Total Expenses Quarterly (₹ In Cr) Quarter ended Y–O-Y Growth % Growth% Particulars FY 21-22 Qtr. Mar’22 Qtr. Mar’22 over Mar’21 Dec’21 Mar’22 Mar’21 Mar’22 Over Dec’21 Over Mar’21 FY 20-21 ( Q-o-Q ) ( Y-o-Y) (Y-o-Y) Interest Expenses 3362 3311 3371 14485 13315 1.81 0.27 -8.08 Interest paid on Depos
Slide 32: Provisions
Provisions (₹ In Cr) Growth Growth Quarter ended Y–O-Y % % Particulars FY 21-22 Qtr. Mar’22 Qtr. Mar’22 over Mar’21 Dec’21 Mar’22 Mar’21 Mar’22 Over Dec’21 Over Mar’21 FY 20-21 ( Q-o-Q ) ( Y-o-Y) (Y-o-Y) Total Provision # 1986 802 1150 5467 4152 43.38 -42.09 -24.05 NPAs # 3259 380 894 5176 2461 135.
Slide 33: Financial Indicators
Financial Indicators Quarter ended Financial Year Particulars Mar’21 Dec’21 Mar’22 Mar’21 Mar’22 Cost of Deposits(%)* 4.00 3.83 3.85 4.35 3.86 Yield on Advances(%)*# 4.98 6.52 6.54 6.63 6.57 Yield on Investments(%) # 6.49 6.28 5.45 6.63 6.27 Cost of Funds(%)* 4.07 3.89 3.91 4.43 3.92 Yield on Funds(
Slide 34: NPA Provision Breakup
NPA PROVISION BREAKUP (₹ in Cr) Particulars Dec '21 Mar '22 NPA Provision Increase due to: Ageing Provision/Change in Value of Security 156.01 1212.00 Slippages/Increase in Balance/Fraud 541.82 391.00 Sub Total 697.83 1604.00 Less : Provision write back due to Cash Recoveries/Upgradation/ Restructur
Slide 35: Investment Portfolio
Investment Portfolio Govt. Securities Mar '22 Mar '21 0% 2% 0% 2% 0% Other Approved 24% 0% 24% Shares 2% 2% Debentures & 0% Bonds 0% Subsidiaries & Joint Ventures Others 72% 72% Investment Outside India (₹ in Cr) Particulars Mar '21 Mar '22 Govt. Securities 110414 105842 Other Approved 0 0 Shares 30
Slide 36: Treasury Performance
TREASURY PERFORMANCE Interest on Investment Trading Profit 10009 1381 9264 491 MAR'21 MAR'22 MAR'21 MAR'22 Yield on Investment Return on Investment (including 6.63 Trading Profit) 6.27 7.53 6.59 MAR'21 MAR'22 MAR'21 MAR'22 (₹ in Cr) Particulars Mar'21 Mar '22 Aggregate Investment 153820 146759 Inter
Slide 37: Treasury Operations
TREASURY OPERATIONS (₹ in Cr) Total Investment Book Mar’21 Mar' 22 Aggregate Investment 153820.06 146759.26 Portfolio HTM AFS HFT HTM AFS HFT Investment 93416.82 60302.93 100.31 100804.07 45969.09 -13.90 Percentage 60.73% 39.20% 0.07% 68.69% 31.32% -0.01% Total SLR 110414.28 105841.66 Of Which SLR 6
Slide 38: Digital Transactions
Digital Transactions UPI Apr ' 20 to Mar ' 21 Apr ' 21 to Mar ' 22 IMPS 9% 8% 9% 5% Mobile Banking 6% 70% 8% 2% Internet Banking 1% 1% 5% Debit card(POS) 61% 6% 1% RTGS/NEFT 1% AEPS-BHIM- 7% AADHAR Others Share of Digital Txns through ADC 77.63% Share of Digital Txns through ADC 78.05% Payment Accep
Slide 39: Product offerings
Product offerings 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 Ac
Slide 40: Leveraging Technology
Leveraging Technology End - to - end Processing Renewal through Tablet API Integration – Under Writing Processing ITR Analysis / GST Returns/ Litigation/MCA Loan Lead Management System (LLMS) For - Agriculture & MSME Products Lead Generation – Analytical Model For – Retail / MSME/ Deposit & Third Pa
Slide 41: Digital Payments
Digital Payments UPI Ecom Transactions UPI Transactions Electronic toll Enrollment 2135.25 14249.51 1671.70 7890.34 29977 FASTag 26774 FY 20-21 FY 21- 22 FY 20-21 FY 21-22 19174 Mobile Banking Internet Banking 16173 11891 1362.42 130.54 103.52 993.63 MAR'21 JUN'21 SEP'21 DEC'21 MAR'22 FY 20-21 FY 21
Slide 42: Financial Inclusion
FINANCIAL INCLUSION PMJDY Balance Outstanding No of accounts(In Lacs) (In Cr) 146.49 146.18 4840.22 4181.86 4183.47 4374.66 144.58 4029.71 143.67 143.05 Mar'21 Jun '21 Sep '21 Dec '21 Mar'22 Mar'21 Jun '21 Sep '21 Dec '21 Mar'22 Social Security Scheme No. of enrollments (In lacs) PMJJBY PMSBY APY 33
Slide 43: Prompt Corrective Action Compliance Status
Prompt Corrective Action Compliance Status T R PCA Triggers Mar ’21 Jun ’21 Sep ’21 Dec ’21 Mar’22 I G Capital Adequacy Ratio <11.50 14.81 14.88 15.38 15.87 15.75* G E NET NPA >= 6% 5.77 5.09 4.51 4.39 3.97 R S Leverage Ratio Leverage Ratio <3.5% 5.00 5.13 5.15 5.22 4.98* * CRAR & Leverage Ratio aft
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 12M ended • Engaged into Housing Finance India Shareholding Mar'22 Mar'21 activity Total Income 122.96 127.79 • Presence in 9 States through 19 Branches. Net Profit / (Loss) 20.11 14.67 • A
Slide 45: Group Position
CENTRAL BANK OF INDIA- GROUP Group Position (₹ in Cr. ) Particulars As on 31 Mar' 2022 As on 31 Mar'2021 CAPITAL & LIABILITIES Capital 8681 5876 Reserves and Surplus 18868 15821 Minorities Interest 58 51 Share Application Money Pending Allotment 0 4800 Deposits 343165 330328 Borrowings 7663 5760 Oth
Slide 46: Group Performance
CENTRAL BANK OF INDIA- GROUP Group Performance (₹ in Cr.) 12M ended Particulars MAR' 22 MAR '21 INCOME Interest and Dividend Earned 22903 22830 Other Income 2968 3110 Total 25871 25940 EXPENDITURE Interest Expended 13361 14543 Operating Expenses 7277 6799 Provisions and Contingencies 4168 5477 Total
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 Less than 3.5% PCR 88-90% Slippage Ratio 2.25 – 2.50% Credit Cost (Annualized) 1.50 – 1.75%
Slide 48: Conclusion
Conclusion Bank has turned corner and registered Net Profit of ₹ 1045 Crore for the Full Year 1 after incurring loses for the period Mar’ 16 – Mar ‘21 The GNPA and NNPA ratios have substantially come down on Y-o-Y basis from 2 16.55 And 5.77 to 14.84 And 3.97% respectively The Provision coverage rat
Slide 49: Thank You
@eoge as sife sizar Central Bank of India CENTRAL TO YOU SINCE 1911 THANK YOU
Central Bank of India — Q4 FY2022 Earnings Presentation on 6ix