Dcb Bank Limited · NSE:DCBBANK

Dcb Bank — Development Credit Bank — Investor Presentation (April 2010)

34 slides from Dcb Bank's investor presentation, April 2010

Slide 3: Development Credit Bank Ltd. – In India since 1930's
Development Credit Bank Ltd. – In India since 1930’s Development Credit Bank Ltd (DCB) http://www.dcbl.com is a modern emerging new generation private sector bank. It is a scheduled commercial bank regulated by the Reserve Bank of India. It is professionally managed and governed In India since 1
Slide 4: DCB at a Glance
DCB at a Glance DCB has contemporary technology and infrastructure including state of the art internet banking for personal as well as business banking customers DCB’s business segments are Retail, micro-SMEs, large SMEs, mid-Corporate, MFIs, Agriculture, Commodities, Government, Public Sector,
Slide 6: Our Vision
Our Vision To be the most innovative and responsive neighbourhood community Bank in India serving entrepreneurs, individuals and businesses. Private & Confidential © Copyright IBM Corporation 2008 6
Slide 7: Our Values
Our Values Treat Everyone with Dignity Respect Do What is Right Ethical Be Open & Transparent Fair Sense of Urgency, Passion & Energy Dynamic Go the Extra Mile, Find Solutions Stretch Improve Continuously Excellence Play as a Team, to Win Team Work Support the Society Contribute Private & Confidenti
Slide 9: 80 Branches in 28 Cities, Strong Presence in Western Region
80 Branches in 28 Cities, Strong Presence in Western Region Branches 80 GOA ANDHRA PRADESH DCB ATMs 110 Mapusa (1) Hyderabad (8) Margao (1) Warangal (2) *Network 35,000 + Panaji (1) Vasco – Da – Gama (1) HARYANA Gurgoan (1) GUJARAT Ahmedabad (4) KARNATAKA Ankleshwar (1) Bengaluru
Slide 11: DCB Offers Wide Range of Products – Retail Banking
DCB Offers Wide Range of Products Retail Banking Deposit Products: Loans: Current and Savings Auto Loans* Term Deposits Commercial Vehicle* NRI Deposits Construction Equipment* Corporate Salary Gold Loans POS Terminals Home Loans Lockers Loan Against Property Loan Against S
Slide 12: DCB Offers Wide Range of Products – SME, Corporate, Treasury
DCB Offers Wide Range of Products SME, Corporate Banking, MFIs, Treasury NBFCs and Co-operative Banks Current Account Statutory Reserves Management Trade Current Account Liquidity Management Working Capital Trading in Government Securities Term Loans Foreign Exchange Supply Chain
Slide 13: DCB has Innovative and Unique Offers
DCB has Innovative and Unique Offers Free “Any Branch Banking” for DCB Privilege Banking customers Free Inward and Outward RTGS for Current Accounts and Saving Accounts Free Inward and Outward NEFT for Current Accounts and Saving Accounts Free unlimited usage of VISA network ATMs for DCB cus
Slide 15: Share Holding Pattern as on March 31, 2010
Share Holding Pattern as on March 31, 2010 Share Capital Rs. 199.99 Cr. Shareholder’s Equity Rs. 601 Cr. Book Value Per Share Rs. 27.02 Share Price Rs. 32.15 Market Capital approximately Rs. 642.95 Cr. Major Shareholders % Categories % AKFED & Platinum Jubilee Investment Ltd. Promoters 23.10 (Promot
Slide 17: FY10 – Highlights
FY10 – Highlights DCB planned exit of unsecured Personal Loans, Commercial Vehicles and Construction Equipment was replaced by secured Advances in MSME, SME, Retail Mortgages, mid-Corporate and Agri, Microfinance and Rural Banking Balance Sheet has begun to grow in the last few months. Balance S
Slide 18: Growth achieved in chosen business lines
Growth achieved in chosen business lines (Rs. in Cr.) March 31, 2010 March 31, 2009 Variance CASA 1,691 1,438 + 253 Retail Term Deposits 2,306 1,813 + 493 Home Loans 412 263 + 149 SME + Micro SME 600 448 + 152 AMRB 858 571 + 287 Corporate Banking 1,110 933 + 177 Private & Confidential © Copyright IB
Slide 19: Financials
Financials Profit & Loss 2009-10 (Rs. in Cr.) FY 2008-09 Q1 FY10 Q2 FY10 Q3 FY10 Q4 FY10 FY 2009-10 Net Interest Income 197 35 32 32 42 142 Other Income 120 23 34 26 25 107 Total Income 317 58 66 58 67 249 Operating Expenses (242) (52) (50) (51) (48) (201) Operating Profit 75 6 16 8 19 48 Total Prov
Slide 20: Net Profit / (Loss)
Net Profit / (Loss) (Rs. in Cr.) 38 (8) (17) (18) (35) (78) (88) FY 2007-08 FY 2008-09 Q1 FY 10 Q2 FY 10 Q3 FY 10 Q4 FY 10 Private & Confidential © Copyright IBM Corporation 2008 20
Slide 21: Retail Deposits Contributes 82% of Total Deposits
Retail Deposits Contributes 82% of Total Deposits (Rs. in Cr.) March March June September December March 31, 2008 31, 2009 30, 2009 30, 2009 31, 2009 31, 2010 Total Deposits 6,075 4,647 4,571 4,503 4,482 4,787 Retail Deposits / Total Deposits 53.0% 67.9% 78.7% 82.6% 83.9% 81.5% CASA Ratio 24.2% 30.9
Slide 22: Advances
Advances (Rs. in Cr.) March March June September December March 31, 2008 31, 2009 30, 2009 30, 2009 31, 2009 31, 2010 Gross Advances 4,255 3,437 3,298 3,182 3,376 3,673 Net Advances 4,069 3,274 3,105 2,963 3,139 3,460 Yield on Advances 13.3% 13.6% 13.1% 12.5% 12.0% 11.7% Net Advances 1,717 1,846 1,3
Slide 23: Focus on Secured Lending. Reduction in PL, CV and CE
Focus on Secured Lending. Reduction in PL, *CV and *CE (Rs. in Cr.) Net Advances – March 31, 2010 Retail Banking – March 31, 2010 Priority Sector, 858 *LATD 10% Staff Mortgages 46% Loan 1% Retail Banking, Personal 892 Loan 11% Corporate Banking, 1,110 *CV 22% *STVL *CE 8% 2% SME + Micro SME, 600 Net
Slide 24: Balance Sheet Stabilized
Balance Sheet Stabilized (Rs. in Cr.) 7,582 5,943 6,137 5,799 5,702 5,591 March 31, 2008 March 31, 2009 June 30, 2009 September 30, December 31, March 31,2010 2009 2009 Private & Confidential © Copyright IBM Corporation 2008 24
Slide 25: Improvement in NIM, Yield on Advances and Cost of Funds
Improvement in NIM, Yield on Advances and Cost of Funds Net Interest Margin 3.27% 3.03% 2.86% 2.78% 2.79% 2.61% 2.50% FY 2007-08 FY 2008-09 Q1 FY10 Q2 FY10 Q3 FY10 Q4 FY10 FY 2009-10 Yield on Advances and Cost of Funds 13.32% 13.60% 13.05% 12.50% 12.33% 12.04% 11.70% 8.09% 8.43% 7.18% 6.58% 6.35% 6.
Slide 26: Strong Provision Coverage
Strong Provision Coverage (Rs. in Cr.) FY FY Q1 Q2 Q3 Q4 2007-08 2008-09 FY10 FY10 FY10 FY10 PAN Bank NPA Coverage Ratio 48.4% 56.2% 55.8% 61.1% 63.4% 70.0% Unsecured *PL NPA Coverage Ratio 66.2% 82.5% 68.4% 68.9% 73.2% 82.5% Gross NPA 63 290 346 358 373 319 Net NPA 33 127 153 139 136 108 346 358 37
Slide 27: Strong Capital Adequacy Ratio
Strong Capital Adequacy Ratio March March June September December March 31, 2008 31, 2009 30, 2009 30, 2009 31, 2009 31, 2010 Basel I 13.4% 13.4% 13.5% 15.9% 16.9% 15.4% Basel II - 13.3% 13.2% 14.9% 14.9% 14.9% Tier I Tier II Basel II 3.2% 2.9% 2.9% 1.8% 1.8% 11.5% 11.4% 11.7% 12.0% 12.0% 31-Mar-09
Slide 28: Improvement in Total Costs
Improvement in Total Costs Total Cost Cost Income Ratio (Rs. in Cr.) 238 242 90.2% 80.60% 86.6% 76.3% 76.2% 201 71.5% 68.5% 52 50 51 48 FY 2007-08 FY 2008-09 Q1 FY 10 Q2 FY 10 Q3 FY 10 Q4 FY 10 FY 2009-10 Private & Confidential © Copyright IBM Corporation 2008 28
Slide 29: Treasury
Treasury (Rs. in Cr.) As at March 31, 2010 Total Amount SLR Investments 1,579 Non-SLR Investments 439 Total 2,018 HTM 1,689 AFS 326 HFT 3 Total 2,018 Private & Confidential © Copyright IBM Corporation 2008 29
Slide 31: Business Strategy
Business Strategy Grow Retail, micro SME, SME, mid- Corporate and Agri / Microfinance with a “customer centric approach”. Concentrate on secured lending & diversified portfolio Retail – Branch Centric Low cost deposits (CASA / Term) Secured lending (Home Loans, Loan Against Property, LATD)
Slide 32: Next Steps
Next Steps Return to month on month Profit Increase Balance Sheet size Goal Improve Cost / Income ratio To improve ROE numbers Sensible growth. Balance portfolio mix with emphasis on secured lending Focus on Retail Deposits Approach Income before Costs Discipline in execution (Strate
Slide 33: Disclaimer
Disclaimer This presentation has been prepared by Development Credit Bank Limited (the “Bank”) solely for your information and for your use and may not be taken away, reproduced, redistributed or passed on, directly or indirectly, to any other person (whether within or outside your organization or f

Development Credit Bank — Investor Presentation (April 2010) on 6ix

Dcb Bank — Development Credit Bank — Investor Presentation (April 2010)

Slide 1: Development Credit Bank Limited Investor Presentation – FY10

Slide 2: Contents

Slide 3: Development Credit Bank Ltd. – In India since 1930's

Slide 4: DCB at a Glance

Slide 5: Our Key Alliances

Slide 6: Our Vision

Slide 7: Our Values

Slide 8: Branch and ATM Network

Slide 9: 80 Branches in 28 Cities, Strong Presence in Western Region

Slide 10: Products and Services

Slide 11: DCB Offers Wide Range of Products – Retail Banking

Slide 12: DCB Offers Wide Range of Products – SME, Corporate, Treasury

Slide 13: DCB has Innovative and Unique Offers

Slide 14: Shareholding Pattern

Slide 15: Share Holding Pattern as on March 31, 2010

Slide 16: Financial Highlights

Slide 17: FY10 – Highlights

Slide 18: Growth achieved in chosen business lines

Slide 19: Financials

Slide 20: Net Profit / (Loss)

Slide 21: Retail Deposits Contributes 82% of Total Deposits

Slide 22: Advances

Slide 23: Focus on Secured Lending. Reduction in PL, CV and CE

Slide 24: Balance Sheet Stabilized

Slide 25: Improvement in NIM, Yield on Advances and Cost of Funds

Slide 26: Strong Provision Coverage

Slide 27: Strong Capital Adequacy Ratio

Slide 28: Improvement in Total Costs

Slide 29: Treasury

Slide 30: Key Strategies

Slide 31: Business Strategy

Slide 32: Next Steps

Slide 33: Disclaimer

Slide 34: Thank you