Dcb Bank Limited · NSE:DCBBANK
Dcb Bank — Q3 FY2021 Earnings Presentation
29 slides from Dcb Bank's earnings presentation, Jan 25, 2021
Slide 1: Revised Investor Presentation filing letter to exchanges
Ref. No.CO:CS:RC:2020-21 :168 January 25, 2021 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, Re: Revised Investor Presentation Q3 FY 2020-21 (23rd
Slide 2: Investor Presentation – Q3FY 2021
Investor Presentation – Q3FY 2021 January 23, 2021 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 December 31, 2020
Branch Network December 31, 2020 This map is for representation purpose only DCB Bank Limited is a modern new generation private sector bank with 347 branches across 18 states and 2 union territories. It is professionally managed and governed. DCB Bank has comprehensive range of products and servi
Slide 5: Key Indicators - I
Key Indicators - I No. of Cost to Income Return on Return on INR mn Balance Sheet Branches Ratio Asset Equity Q3 FY 2021 347 378,588 43.32% 1.01% *11.22% Q2 FY 2021 344 375,569 47.28% 0.86% *9.88% Q1 FY 2021 341 381,556 50.26% 0.82% *9.86% FY 2020 336 385,051 54.53% 0.90% *11.19% FY 2019 333 357,918
Slide 6: Key Indicators - II
Key Indicators - II INR mn Q3 FY 21 Q2 FY 21 Q3 FY 20 Y-o-Y Deposits 288,581 287,747 297,349 (3%) Of which CASA 66,576 64,542 69,413 (4%) Of which Certificate of Deposits 0 0 4,468 (100%) Of which Term Deposit 222,005 223,205 223,468 (1%) - Of which NRI Term 24,213 24,698 23,137 5% - Of which Inter
Slide 7: Balance Sheet
Balance Sheet Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Dec 31, INR mn 2019 2015 2016 2017 2018 2020 2020 Shareholder’s Equity 15,886 17,922 22,049 28,078 31,156 34,222 36,804 Deposits 126,091 149,260 192,892 240,069 284,351 303,699 288,581 Borrowings 11,638 11,479 12,758 19,267 27,232 34,079
Slide 8: Profit & Loss
Profit & Loss INR mn Q3 FY20 Q4 FY20 Q1 FY21 Q2 FY21 Q3 FY21 Net Interest Income 3,231 3,237 3,067 3,339 3,348 Other Income 931 1,099 776 925 1,545 - Commission, exchange and brokerage 625 664 269 435 550 - Profit on Sale of Investment 70 174 380 293 741 - Profit on Exchange 51 52 35 66 51 Transacti
Slide 9: Profit & Loss
Profit & Loss INR mn FY 2015 FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 Net Interest Income 5,082 6,195 7,971 9,954 11,493 12,649 Other Income 1,657 2,205 2,488 3,103 3,502 3,911 - Commission, exchange and brokerage 1,193 1,405 1,651 2,176 2,399 2,412 - Profit on Sale of Investment 277 423 454 454 386
Slide 10: Deposits Mix
Deposits Mix Deposits as on Dec 31, 2020 Residential Term Deposit *CASA 59% 23% Interbank Term Deposit 9% Non-Resident Term Deposit 9% * CASA includes NRI CASA 9 DCB Bank Limited
Slide 11: Advances Mix
Advances Mix Net Advances as on Dec 31, 2020 SME + MSME, 11% Mortgages, Corporate 42% Banking, 11% Others, 4% AIB , 21% AIB Net Advances as on Dec 31, 2020 Commercial Vehicle, 6% Gold Loan, 5% Mortgages, Kissan Credit 6% Card, 3% Gold Loan, 2% SME/MSME Others, 2% , 2% MFI+BC, Tractors, 3% 3% 10 DCB
Slide 12: NIM, Yield and Cost of Funds
NIM, Yield and Cost of Funds Year Ended FY FY FY FY FY FY Q3 FY 2014-15 2015-16 2016-17 2017-18 2018-19 2019-20 2020-21 Net Interest 3.72% 3.94% 4.04% 4.16% 3.83% 3.67% 3.75% Margin (NIM) Yield on 12.63% 12.52% 12.03% 11.41% 11.29% 11.50% 11.19% Advances Cost of 7.67% 7.48% 6.91% 6.37% 6.61% 6.96% 6
Slide 13: Non Performing Assets
Non Performing Assets Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Dec 31, Mar 31, Dec 31, 2015 2016 2017 2018 2019 2019 2020 2020 Gross NPA 1.76% 1.51% 1.59% 1.79% 1.84% 2.15% 2.46% 1.96% Net NPA 1.01% 0.75% 0.79% 0.72% 0.65% 1.03% 1.16% 0.59% Provision 74.66% 77.55% 73.80% 75.72% 78.77% 71.98% 70.81% 8
Slide 14: Gross NPA Movement
Gross NPA Movement INR mn FY 2019-20 Q3 2019-20 Q1 2020-21 Q2 2020-21 Q3 2020-21 Opening Balance 4,395 5,232 6,315 6,218 5,737 (+) Add Fresh Slippages 6,577 2,017 52 90 - Addition to Existing NPAs 63 15 32 8 5 (-) Less 1 1 Recoveries 1,725 815 98 215 207 Upgrades 1,792 513 18 80 118 2 2 Write Offs /
Slide 15: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Dec 31, INR mn 2015 2016 2017 2018 2019 2020 2020 SLR 34,750 39,855 47,711 49,091 60,007 61,363 66,164 Non-SLR 4,872 3,478 10,468 13,099 18,434 16,052 14,813 Total Investments 39,622 43,333 58,179 62,190 78,441 77,415 80,977 HTM 27,567 30,580
Slide 16: Capital Adequacy Ratios – Basel III
Capital Adequacy Ratios – Basel III Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Dec 31, 2015 2016 2017 2018 2019 2020 2020 CRAR 14.95% 14.11% 13.76% 16.47% 16.81% 17.75% 18.32% -- Tier I 14.21% 12.79% 11.87% 12.72% 13.10% 13.90% 14.26% -- Tier II 0.74% 1.32% 1.89% 3.75% 3.71% 3.85% 4.06% RWA* 10
Slide 17: Ratings
Ratings Sep 30, Dec 31, Mar 31, Mar 30, Mar 30, Mar 31, Dec 31, 2013 2014 2016 2017 2018 2019 2020 CRISIL Long Term – A+/ AA-/ AA-/ Subordinated - - - - Stable Stable Stable Debt Certificates of A1+ A1+ A1+ A1+ A1+ A1+ A1+ Deposit Short – Term Fixed A1+ A1+ A1+ A1+ A1+ A1+ A1+ Deposits ICRA Long Ter
Slide 18: Overview
Overview 17 DCB Bank Limited
Slide 19: 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 20: Investor Profile as on Dec 31, 2020
Investor Profile as on Dec 31, 2020 Shareholding Pattern Key Non Promoter Shareholders % *** Institutions Bodies Corporate ICICI Prudential Mutual Fund * 4.50% 5.39% 52.75% HDFC Small Cap Fund 4.43% India Advantage Fund S4 I 4.02% Aditya Birla Sunlife Mutual Fund* 3.80% DSP Small Cap Fund 3.43% Fran
Slide 21: Board of Directors
Board of Directors Has held leadership positions in various organizations, such as Uniliver group, RPG group, etc. Ashok Barat He superannuated in 2016 as Managing Director & CEO, Forbes & Company Ltd. He has been a Member (and Chairman in some) of the Boards of various companies-listed and private.
Slide 22: Management Team
Management Team Abhijit Bose - *29 yrs work exp. Aditya Prasad – 35 yrs work exp. Ajay Mathur – 27 yrs work exp. Chief Credit Officer Chief Compliance Officer Head – Collections & Commercial Vehicles Ajit Kumar Singh - 28 yrs work exp. T P Anuradha – 18 yrs work exp. Bappa Roy – 30 yrs work exp. Hea
Slide 23: Digital Update
Digital Update 22 DCB Bank Limited
Slide 24: Blockchain Solution
Blockchain Solution DCB Bank deploys Blockchain solution – automated process for ATM cash replenishment 23 DCB Bank Limited
Slide 25: Positive Pay System
Positive Pay System DCB Bank is live with Positive Pay System safety of cheque- based transactions
Slide 26: Digital Journey…
Digital Journey… DCB Bank has introduced digitizing and securing branch visit and inspection reports of Business Correspondent (BC) branches / offices.
Slide 27: Digital Payment
Digital Payment Payments via DCB Bank – Internet Banking integrated with Razorpay 26 DCB Bank Limited
Slide 28: Digital…Delight
Digital…Delight Frictionless on-boarding for new customer registration on DCB Mobile Banking App.
Slide 29: 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