DCB Bank Limited · NSE:DCBBANK

DCB Bank — Development Credit Bank — FY2007 Earnings Presentation

19 slides from DCB Bank's earnings presentation, 2007

  1. Slide 1: Development Credit Bank Limited FY 2006-07 Audited Annual Results

    Development Credit Bank Limited FY 2006-07 AUDITED ANNUAL RESULTS INVESTOR PRESENTATION 1

  2. Slide 2: Development Credit Bank – Promoter & History

    Development Credit Bank – Promoter & History ƒ Built on over 75 years of Trust, Tradition & Togetherness ƒ Started in 1930s and converted to ‘Development Co-operative Bank’ in 1981 ƒ Converted into a private sector bank in 1995 leveraging upon the banking license granted to Aga Khan Fund for Economi

  3. Slide 3: Vision and Mission

    Vision and Mission VISION ƒ To be the gold standard in customer service in Indian banking THE MISSION ƒ To be the preferred financial services provider amongst the Bank's peers with a passion for excellence in service Repositioning DCB ƒ “Feel the difference” 3

  4. Slide 4: One-Stop Shop to Meet Diverse Customer Needs

    One-Stop Shop to Meet Diverse Customer Needs • Phone & Mobile Banking • Personal Loan • Internet Banking • Easy Business • International Debit Card •Loan against Gold • ATM Services • Savings Account • Working Capital Loan • Lockers Consumer • Current Account • Commercial Vehicle Loan • Utility Bill

  5. Slide 5: Branch Network

    Branch Network • 67 Branches • 5 Extension Counters • 34 Satellite Offices • 102 ATMs • 18,000 ATMs network • Customer base of ~650,000 Spread Across • Maharashtra • Gujarat • Andhra Pradesh • Karnataka • New Delhi • Goa • Tamil Nadu • Haryana • West Bengal • Daman & Diu • Dadra & Nagar Haveli RBI p

  6. Slide 6: Business Strategy

    Business Strategy People and Culture Service Quality Regional and Cluster Orientation Consumer Banking Business Commercial Banking Business Use of Technology Brand 6

  7. Slide 7: Business Update

    Business Update ƒ RBI permission obtained for opening 8 new branches ƒ Launched TRIO- a unique triple combination of Fixed Deposit and Savings Deposit with Personal Accident Insurance benefit ƒ Empanelled with MCX as a Clearing Bank ƒ Call Center opened at Malad, Mumbai ƒ Prime Lending Rate increase

  8. Slide 8: Share Holding Pattern

    Share Holding Pattern Shareholding Pattern Retail AKFED 23% 30% FIs, MFs, Banks & Others FIIs & 11% Foreign Cos. 36% AKFED FIIs & Foreign Cos. FIs, MFs, Banks & Others Retail 8

  9. Slide 9: Performance Highlights

    Performance Highlights (Rs. Cr) Summary FY FY % Q4-FY Q4 -FY Q on Q 2007 2006 Growth 2007 2006 Growth % Net Profit/(Loss)¹ 7.4 (85.3) - (0.4) (48.7) - Net Interest Income 119.5 75.2 59% 38.5 19.9 93% Non Interest Income 92.5 55.2 67% 26.9 14.5 85% Operating Expenses 171.8 150.1 14% 50.6 48.2 5% Oper

  10. Slide 10: Quarterly Performance

    Performance Highlights | Quarterly Performance (Rs. Cr) Summary FY Q4- Q3- Q2 – Q1- Q4- 2007 FY2007 FY2007 FY2007 FY2007 FY2006 Net Interest Income 119.55 38.45 31.56 26.82 22.72 19.84 Non interest Income 92.49 26.88 27.19 17.87 20.55 14.51 Total Income 212.04 65.33 58.75 44.69 43.27 34.35 Operating

  11. Slide 11: Performance Highlights: Balance Sheet

    Performance Highlights | Quarterly Performance (Rs. Cr) March 31, Dec 31, Sept 30, June 30, March 31, Growth in 2007 2006 2006 2006 2006 FY07 over FY 06 Assets Advances 2658.5 2152.4 1873.1 1927.4 1867.3 42% Investments 1846.6 1346.1 1504.6 1597.7 1306.9 41% Other Assets 757.2 964.7 685.5 626.9 567.

  12. Slide 12: Deposits & Cost of Funds

    Performance Highlights | Deposits & Cost of Funds Deposits Cost of Funds (%) 5000 (Rs. cr) 4,415 CoF 5.96% 4500 4000 3500 3,124 3000 5.47% 2500 FY06 FY07 2000 1500 1000 FY06 FY07 ƒ 41% growth in Deposits ƒ Average CASA as a % of Total Deposits has grown from 26% as on 31st March, 2006 to 29% as on 3

  13. Slide 13: Advances

    Performance Highlights | Advances Advances Yield (%) (Rs. cr) 3000 2,659 Yield 10.07% 2500 8.29% 2000 1,867 1500 1000 500 FY06 FY07 FY06 FY07 ƒ 42% growth in Advances ƒ Retail Advances grew (Y-o-Y) by 54% ƒ Corporate Advances grew (Y-o-Y) by 50% ƒ Yield on Total Advance grew by 1.78 bps 13

  14. Slide 14: Net Interest Margin

    Performance Highlights | Net Interest Margin Interest Income Non Interest Income Net Interest Margin (Rs. Cr) (Rs. Cr) 45 140 40 100 NIM 2.69% 92 40 38 125 120 35 90 35 30 27 80 110 30 1.78% 25 70 25 95 20 20 60 55 20 75 15 80 15 50 15 65 10 40 10 5 50 5 30 4QFY06 4QFY07 FY06 FY07 4QFY06 4QFY07 FY06

  15. Slide 15: Improving Asset Quality

    Performance Highlights | Improving Asset Quality Gross NPA & Net NPA Net NPA % (Rs. cr) Gross NPA Net NPA 0.1 Net NPA 314 313 304 9.37% 0.09 0.08 7.55% 0.07 0.06 6.16% 146 0.05 4.50% 78 78 60 0.04 44 1.64% 0.03 FY03 FY04 FY05 FY06 FY07 1QFY07 2QFY07 3QFY07 4QFY07 ƒ Net NPA% reduced from 4.50% in FY0

  16. Slide 16: Retail Assets

    Performance Highlights | Retail Assets Retail Assets (Rs. cr) 1200 1,077 1100 1000 900 800 698 700 600 500 400 300 200 FY06 FY07 ƒ Retail Assets constitutes 38% of the total advances as on March 31, 2007, as against 33% in 31, 2006 ƒ Retail Assets grow 54% Y-o-Y 16

  17. Slide 17: Human Capital

    Human Capital ƒ Dedicated staff strength in FY 07 : 1810 ( including 480 sales trainees) as compared to FY 06 : 1279 (including 224 sales trainees) ƒ Re-profiling of staff continues – ERS completed during the year ƒ Average age of Employees has been reduced from 39 years as at March 2006 to 35 years

  18. Slide 18: Safe Harbour

    Safe Harbour Neither the information nor any opinion expressed in this presentation constitutes an offer, or invitation to make an offer, or to buy any security issued by the Company. This presentation contains predictions, estimates or other information regarding the Bank’s operations which are for

  19. Slide 19: Thank You

    Thank You 19

Development Credit Bank — FY2007 Earnings Presentation on 6ix