DCB Bank Limited · NSE:DCBBANK
DCB Bank — Q1 FY2019 Earnings Presentation
43 slides from DCB Bank's earnings presentation, Jul 14, 2018
Slide 1: Investor Presentation – Q1 FY 2019
Investor Presentation – Q1 FY 2019 July 14, 2018 DCB Bank Limited
Slide 2: 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 3: Branch Network June 30, 2018
Branch Network June 30, 2018 This map is for representation purpose only DCB Bank Limited 3
Slide 4: Key Indicators - I
Key Indicators - I No. of Cost to Return on Return on INR mn Branches Balance Sheet Income Ratio Asset Equity Q1 FY 2019 323 311,779 60.26% 0.90% *10.75% FY 2018 318 302,221 59.79% 0.94% *10.31% FY 2017 262 240,464 60.02% 0.93% 10.30% FY 2016 198 191,185 58.45% 1.14% 11.59% FY 2015 154 161,323 58.83
Slide 5: Key Indicators - II
Key Indicators - II INR mn Q1 FY 19 Q4 FY 18 Q1 FY 18 Y-o-Y Deposits 250,324 240,069 191,547 31% Of which CASA 61,659 58,403 51,431 20% Of which Retail Term 127,414 120,466 103,111 24% - Of which NRI Term 15,538 14,908 13,971 11% Net Advances 212,434 203,367 162,657 31% INR mn Q1 FY 19 Q4 FY 18 Q1 F
Slide 6: Balance Sheet
Balance Sheet Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, INR mn 2012 2013 2014 2015 2016 2017 2018 2018 Shareholder’s Equity 8,614 10,031 11,540 15,886 17,922 22,049 28,078 28,536 Deposits 63,356 83,638 103,251 126,091 149,260 192,892 240,069 250,324 Borrowings 11,235 15,256 8,6
Slide 7: Profit & Loss
Profit & Loss INR mn Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Q1 FY19 Net Interest Income 2,332 2,481 2,505 2,637 2,730 Other Income 853 651 749 849 828 - Commission, exchange 513 476 569 618 599 and brokerage - Profit on Sale of Investment 287 71 55 42 153 - Profit on Exchange Transaction 32 35 36 37 49 Ope
Slide 8: Profit & Loss
Profit & Loss INR mn FY 2013 FY 2014 FY 2015 FY 2016 FY 2017 FY 2018 Net Interest Income 2,844 3,684 5,082 6,195 7,971 9,954 Other Income 1,170 1,387 1,657 2,205 2,488 3,103 - Commission, exchange 893 999 1,193 1,405 1,651 2,176 and brokerage - Profit on Sale of 139 225 277 423 454 454 Investment -
Slide 9: Deposits Mix
Deposits Mix Deposits as on Jun 30, 2018 Residential Term *CASA Deposit 49% 25% Interbank Term Deposit 20% Non-Resident Term Deposit 6% Retail Deposits to Total Deposits - 75% * CASA includes NRI CASA 9 DCB Bank Limited
Slide 10: Advances Mix
Advances Mix Net Advances as on Jun 30, 2018 SME + MSME, 12% Corporate Banking, Mortgages, 40% 17% AIB, 18% Commercial Vehicle, 6% Construction Finance, 3% Others, 2% Gold Loan, 2% 10 DCB Bank Limited
Slide 11: NIM, Yield and Cost of Funds
NIM, Yield and Cost of Funds Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Year Ended 2012 2013 2014 2015 2016 2017 2018 2018 Net Interest 3.25% 3.34% 3.56% 3.72% 3.94% 4.04% 4.16% 3.90% Margin Yield on 12.60% 12.75% 12.84% 12.63% 12.52% 12.03% 11.41% 11.21% Advances Cost of 7.11%
Slide 12: Non Performing Assets
Non Performing Assets Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, Sep 30, Dec 31, Mar 31, Jun 30, 2013 2014 2015 2016 2017 2017 2017 2017 2018 2018 Gross NPA 3.18% 1.69% 1.76% 1.51% 1.59% 1.74% 1.80% 1.89% 1.79% 1.86% Net NPA 0.75% 0.91% 1.01% 0.75% 0.79% 0.92% 0.90% 0.87% 0.72% 0.72% Provision
Slide 13: Gross NPA Movement
Gross NPA Movement INR mn Q1 2017-18 Q4 2017-18 Q1 2018-19 FY 2017-18 Opening Balance 2,542 3,545 3,690 2,542 (+) Add Fresh Slippages 853 805 1,071 3,463 Addition to Existing 6 9 3 26 NPAs (-) Less Recoveries 183 284 248 985 Upgrades 120 383 432 1,034 Write Offs / Sacrifice 245 2 78 322 Closing Bala
Slide 14: Treasury
Treasury Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, INR mn 2012 2013 2014 2015 2016 2017 2018 2018 SLR 20,219 24,332 28,072 34,750 39,855 47,711 49,091 56,360 Non-SLR 774 5,552 4,236 4,872 3,478 10,468 13,099 14,168 Total 20,993 29,884 32,308 39,622 43,333 58,179 62,190 70,528 I
Slide 15: Capital Adequacy Ratios – Basel III
Capital Adequacy Ratios – Basel III Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Mar 31, Jun 30, 2012 2013 2014 2015 2016 2017 2018 2018 CRAR 15.41% 13.61% 13.71% 14.95% 14.11% 13.76% 16.47% 15.55% -- Tier I 13.81% 12.62% 12.86% 14.21% 12.79% 11.87% 12.72% 12.02% -- Tier II 1.60% 0.99% 0.85% 0.74
Slide 16: Ratings
Ratings Sep 30, Dec 31, Mar 31, Sep 30, Dec 31, Sep 30, Jun 30, 2013 2014 2016 2016 2016 2017 2018 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+ S
Slide 17: Overview
Overview 17 DCB Bank Limited
Slide 18: 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 19: Our Customers
Our Customers 19 DCB Bank Limited
Slide 20: Garment Retailer
Garment Retailer 20 DCB Bank Limited
Slide 21: Distributor of Dairy Products
Distributor of Dairy Products 21 DCB Bank Limited
Slide 22: Silverware Retailer
Silverware Retailer 22 DCB Bank Limited
Slide 23: Edible Oil & Flour Wholesaler
Edible Oil & Flour Wholesaler 23 DCB Bank Limited
Slide 24: Cable Manufacturer
Cable Manufacturer 24 DCB Bank Limited
Slide 25: Transport Fleet Operator
Transport Fleet Operator 25 DCB Bank Limited
Slide 26: Zip Fastener Trader
Zip Fastener Trader 26 DCB Bank Limited
Slide 27: LPG Gas Agency
LPG Gas Agency 27 DCB Bank Limited
Slide 28: FMCG Distributor
FMCG Distributor 28 DCB Bank Limited
Slide 29: Business Strategy
Business Strategy 1 Concentrate on Tier 2 to 2 Relentless focus on 3 Rely mainly on Retail Deposits (Term, CASA). Tier 6 locations. Liquidity, Costs, Grow NRI deposits. Limit Operational Risks, dependency on bulk. People and Customer Service. Improve continuously. 4 Form strategic alliances 5 Contin
Slide 30: 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 Lockers Construction Eq
Slide 31: 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 32: Investor Profile as on June 30, 2018
Investor Profile as on June 30 , 2018 Key Non Promoter Shareholders % Matthews India Fund 4.08% India Advantage Fund S4 I 4.04% Premji Invest * 3.94% *AKFED and PJI 14.97% ***Institutions Tano Mauritius India FVCI II 3.19% 48.19% Others (Non- Aditya Birla Sunlife Mutual Fund * 3.08% Institutions)**
Slide 33: 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 34: Management Team
Management Team Aditya Prasad – 31 yrs work exp. Ajay Mathur – 23 yrs work exp. Abhijit Bose - *25 yrs work exp. Head – Processes & Projects Head – Collections & Commercial Chief Credit Officer Vehicles Abhijit Shah – 23 yrs work exp. T P Anuradha – 17 yrs work exp. Amit Mehta – 18 yrs work exp. Chi
Slide 35: Reward & Recognition
Reward & Recognition 35 DCB Bank Limited
Slide 36: DCB Bank awarded the Private Bank Of The Year at the Indian Banking Summit Awards 2018
DCB Bank awarded the Private Bank Of The Year at the Indian Banking Summit Awards 2018 36 DCB Bank Limited
Slide 37: Digital Update
Digital Update 37 DCB Bank Limited
Slide 38: 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 39: New Version of Zippi (Online Fixed Deposit) Launched With Online KYC Features
New Version of Zippi (Online Fixed Deposit) Launched With Online KYC Features 39 DCB Bank Limited
Slide 40: New Version of NRI Online Account Opening Portal
New Version of NRI Online Account Opening Portal 40 DCB Bank Limited
Slide 41: Android Version of DCB Bank Invoice Discounting Application
Android Version of DCB Bank Invoice Discounting Application 41 DCB Bank Limited
Slide 42: Launched Multi Channel CASA Banking on TABs
Launched Multi Channel CASA Banking on TABs 42 DCB Bank Limited
Slide 43: Thank you
Thank you To receive investor updates from DCB Bank Ltd., write in at [email protected] . 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